Why You May Want To Apply For Citi Credit Cards In The Next 2 Weeks

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Update: This offer for the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is expired. Learn more about the current offer here.

Update: This offer for the Citi Prestige® Card is expired. Learn more about the current offer here.

Update: This offer for the Citi® Hilton HHonors™ Visa Signature® Card is expired. You can find the current offer details here.

Update: This offer for the Citi ThankYou® Premier Card is expired. Learn more about the current offer here.


Yesterday I posted about how Citi is in the process of adding further restrictions when applying for their credit cards. Under the old rules you could only get a sign-up bonus on a particular card every 24 months, while under the new rules you can only get one sign-bonus per “type” of card every 24 months.

To give an example, the Citi Prestige Card used to list the following terms:

Bonus ThankYou Points not available if you have had a Citi Prestige card opened or closed in the past 24 months

Now the Citi Prestige® Card lists the following terms:

Bonus ThankYou points are not available if you have had ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months.

Citi-Bonus

In terms of Citi’s most popular cards, this means:

Doctor of Credit notes that they spoke to a media contact, and that the new Citi application rules don’t go into effect until August 29, 2016, meaning you still have a bit over two weeks under the old rules. I can’t personally confirm this is true, but Doctor of Credit is usually spot on.

Citi’s current application rules

Citi’s policy on new credit card applications is as follows:

  • You can only apply for one Citi card every eight days
  • You can apply for no more than two Citi cards every 65 days

Furthermore, under the previous rules, you couldn’t earn the bonus on a card if you had it opened or closed in the past 24 months.

5 cards to consider applying for

With the above in mind, you potentially still have a bit over two weeks to apply for Citi cards under the old rules, so you could potentially pick up two credit cards. Which cards are worth considering? Here are my five top picks:

Conrad-Koh-Samui
Redeem your free weekend nights at the Conrad Koh Samui

Assuming you haven’t applied for any Citi cards in the past 65 days (or so), you can potentially still get approved for two Citi credit cards by August 28, by applying at least eight days apart.

Furthermore, when deciding, you may want to prioritize a card where you already have the other one of the same “type” of card. In other words, if you already have the Citi® Hilton HHonors Reserve Card, it might make sense to apply for the Citi Hilton HHonors Visa Signature Card, since you otherwise wouldn’t be eligible for that bonus for a very long time.

Are you planning on picking up any Citi cards in the coming weeks before these rule changes supposedly kick in?

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Comments

  1. Need you ask Ted?

    Why does the sun rise and sun set every day?

    Why do bloggers post inferior offers?

    It’s just how things are.

  2. I just applied to the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and was instantly rejected with a 700 credit score – I plan to recon this once I get the letter in the mail but I wanted to know given that, does it still make sense to also apply for the CITI® HILTON HHONORS™ VISA SIGNATURE® CARD after 8 days before August 28th?

  3. @Ted – its not a public offer available on their website. You’d have to find specific links for it, on reddit or something.

    @lopere – why are you even here?

    @Zach Resnick – I think you can call Citi and see why you were rejected – might be fine after shifting some credit around. You’d probably run into the same issue if you apply for the Hilton card too.

  4. I would like to know more about whether you really need to dump TY points if you cancel a card. What if two accounts are linked and you cancel one?

  5. @dmodemd in that scenario you ha e a limited amount of time to use the TYPs associated with the closed card (Coti’s system does keep track of this). I think it’s something like 60 or 90 days after closure they have to be redeemed by or they’re lost.

  6. How does one find out find out when you applied for a credit card? I applied for the Citi Prestige in late June. First charge was in June 22. Thanks in advance.

  7. Scratch that. I found the email and it was on June 17. My question then is if I apply for a card now, and another one 8 days later, it should be good?

  8. Can anyone explain please the meaning of “open or close in the past 24 months”?
    If I opened Prestige card 25 months ago and did not close it, I can get TY Premier now with new rules.
    But if I opened Prestige card 25 months ago, close it 12 months ago, can I get TY Premier now or should I wait another 12 months with new rules? Thank you.

  9. @Roxy Send Citi a Secure Message from your Citi online account page. Just ask them, they will be quite willing to tell you the exact date. 😉

  10. This is on the current Citi Hilton Reserve card terms and conditions – “Weekend Night Certificates offer is not available if you have had any Citi® Hilton HHonors™ card opened or closed in the past 24 months.”

    Looks like the new rule is already in effect, bummer!

  11. I was thinking about getting the Hilton Reserve but got the Hilton Signature about 4 months ago. Under the terms of the Reserve this is what it says:

    Weekend Night Certificates offer is not available if you have had any Citi® Hilton HHonors™ card opened or closed in the past 24 months

    Have the rules already changed? Sounds like having the Signature Card will prevent me from getting the 2 weekend nights, correct?

  12. @Paul & @Sarah. The new language is attached to all cards now. What the Citi media department is saying that although the terms have changed on new applications, they’ll not begin enforcing those changes until August 29.

    For example: I got the Hilton Signature in 2015, and just applied for the Reserve last week (Monday), so I expect to be fine.

  13. I never had any Citi AA cards, should I apply the AA Gold MC for 25K now and then apply the AA Platinum 50K in 8-9 days later and get both bonus?

  14. I wasn’t allowed to get the citi Aadvatage Business sign up miles because I had signed up for the AA World elite within the last 2 years

  15. Hi

    Is this based on application date or approval date? I have applied on 8/26 and approved on 8/28 for citi AA advantage gold. Never had this card before but the approval letter didn’t include the signup bonus. Any advice on what I can do to get the signup bonus?? Thank!!

  16. Just a data point. Apply and approved for AA Business Platinum Select on 8/22. Receive card with language stating no bonus will be awarded due to receiving a bonus within the last 24 months (Personal AA Platinum).

  17. Just got off the phone with Citi. I was told they are no longer approving any more than 1 application within 60 days. New policy within the last month. I can’t seem to find any data points on this. Were you aware?

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