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These offers are now expired – see this page for the current top credit card offers

Last week, I wrote about how Citibank was changing the rules for people applying for one of their credit cards.  Previously you were ineligible for a new signup bonus if you had opened or closed that card within the past 24 months.  Now you’re ineligible if you’ve open or closed ANY card within that “family” of

Here’s an example.  Say you had closed a Citi American Airlines personal card 8 months ago

  • Old rules: You’d still be eligible for the Citi American Airlines executive card (and the Citi Business card)
  • New rules: You’re now ineligible for a new signup bonus on the executive card (and the American Airlines Personal card as well).  Rules on who is eligible for the business cards are still unclear as far as I can tell

A reprieve!  The new rules don’t start until August 28th

Afterwards, it seemed like we got clarification that the new rules did not go into place until August 28th.  I shared my strategy in that post to talk about which cards my wife and I were planning on applying for.  Citibank only allows 1 application per week (the recommendation on Flyertalk is 2 every 8 days).  So if you wanted to apply for 2 cards, you needed to have applied for one by last Friday or Saturday.

My wife applied for a Citi Prestige (I already had one and her recently closed Citi Premier card would make her ineligible for the Citi Prestige for another 24 months under the new rules). I was waiting for the Chase Sapphire Reserve application to go live on Sunday and didn’t want to risk having a recent application on my credit report

(SEE ALSO: Chase Sapphire Reserve vs Amex Platinum vs Citi Prestige)

(SEE ALSO: Who should do a Chase Sapphire Reserve application (and who shouldn’t apply))

Her Citi Prestige application was sent to pending.  And while I normally advise against calling into the reconsideration line (SEE ALSO: Citi reconsideration phone numbers), this time I thought it was prudent.  She called in and was approved!

My Chase Sapphire Reserve story does not have a happy ending so far, as I am well over the Chase 5/24 guideline / rule and when I called in to my local branch, I was not pre-approved for that or any other offers.

What Citi cards to apply for today

The 3 main “families” of Citi cards are

  • ThankYou cards (Premier, Prestige).  The AT&T Access More card earns ThankYou points but is considered its own family.
  • American Airlines (AA Gold, Platinum, Business, Executive)
  • Hilton HHonors (HHonors and HHonors Reserve)

Most of the cards have the typical amount of bonus, but the Hilton HHonors card has a current bonus of 75,000 Hilton points, which is higher than its typical bonus of 40,000 Hilton points.


That 75K offer expires August 31, 2016, though if you’ve already opened or closed the card within the past 24 months, you won’t be eligible.  Starting tomorrow (the 28th), if you’ve opened or closed EITHER this car OR the Hilton Reserve card, you won’t be eligible, so if you have a recent Hilton Reserve card and NOT the Citi Hilton card, this would be a good one to get.

While I can not link directly to any specific credit card application, if you would like to apply for one and support Points With a Crew, you can find most of them on our top credit card offers page

Bottom line: If you want to follow the current rules and best practices for signups, today’s the last day to apply under the new rules.

Points With a Crew has partnered with CardRatings for our coverage of credit card products. Points With a Crew and CardRatings may receive a commission from card issuers. Other links on this page may also pay me a commission - as always, thanks for your support if you use them

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