66 COMMENTS

  1. I had 1 or 2 existing cards from barclays and got approved for 2 new ones 3.5 months apart last year after an easy recon call. So it is possible, although maybe not likely.
    Some recent developments regarding the Alaska cards, not so easy to get approved for multiple cards now and multiple reports of people getting there alaska mileageplan accounts closed and losing all their points after applying for multiple cards. Be careful with that.

  2. I think you’re missing a couple of key points in this update… the CIti Executive cards now all have the 18 month language. Alaska cards issued by B of A are in the process of being severely monitored for multiple apps. Both of your statements to the contrary are outdated.

  3. On the Amex SPG personal card, if you got a low bonus (say 4,000 miles) many years ago, are you totally precluded from getting the current bonus (25,000 miles) now? Or can you get the difference if you re-apply?

  4. You do a top notch job compared to other deal killers so I’ll comment.

    Churning is dead for citi. You must wait 18 mos now.

    Only way around it is if you find a zombie link or some one makes one from spydering.

    AFAIK this is not possible for time being. So for now citi is at the 18 mo minimum time frame between successive bonuses on same card pdc

  5. I applied for 2 Alaska Air cards on the same day. One was approved right away 16K limit, however the 2nd one was approved after 3-weeks with 16K limit.

  6. Citi Bank Rules:
    Different cards have different rules for repeating the bonus. The Platinum and Gold AA cards require 18 months from closure of the identical card while the AA Executive card and Citi Prestige® Card allow you to get the bonus over and over without waiting (beyond the limit listed in the first two bullet points) or closing your other AA Executives.
    Just finished calling Citi Bank re repeat bonus for AA Executives card. Citi denied bonus due to having had the card less than 18 months ago. The agent said they are strictly re-enforcing the 18months rule.

  7. Scott, do you know how often, or even if, you can get the sign-up bonus on the Citi Premier card? I can’t seem to find any info in their Terms and Conditions. Thanks!

  8. Scott, got denied 2x yesterday by Citi. I was inside the 8 day and 66 day limits. Will I be able to reapply once the 8 day limit is up, or does my denial put a kink in this? I had just gotten the Prestige card and was after the AA business card.

    Considering the changes with Chase, you might want to update this post.

  9. Scott,
    I think I read somewhere where you said you can reapply for the citi platinum card bonus after 18 months, without cancelling your existing citi platinum card. Did I get that right????

  10. […] You can pursue both of the strategies outlined above simultaneously, the points strategy for a lot of free nights and the Hilton Reserve strategy for a few unforgettable nights at one of the best hotels in the world. Just make sure that if you get both the Citi® Hilton HHonors™ Visa Signature® Card and the Citi® Hilton HHonors™ Reserve Card, you get them at least eight days apart. (They are both Citi cards, and Citi will not approve two cards in a week.) […]

  11. What if you apply for the Chase Ink card in a branch? Does the 5/24 rule still apply. I heard a rumor that applying in person was a way around the 5/24 rule.

  12. Does Amex have some sort of 5 cards in 24 months rule? The wording/content seems to belong only in the Chase restrictions, yes?

  13. Scott,
    Re the B of A Alaska cards, are you (and others) cancelling the already opened account before and/or after applying for a new one?
    Thanks

  14. Does Citi consider downgrading an account the same as closing? I downgraded a Citi AA Executive to a Bronze less than 2 years ago. Can I get the 50k bonus on the AA Platinum? Thanks.

  15. RE: Citi…..if you have an AA card that you opened over 2 years ago, should you leave it open and apply for another…can you? If I close it I have to wait 24 more months before applying again?

  16. I’ve heard of people churning Alaska cards but is that still possible? I have a personal and business card. My wife has personal but we’d get more and keep them if possible? Can you get as many as you want as long as you wait 90 days? Thanks as we’d love to use more buddy passes

  17. I had the arrival plus and then downgraded to the no-fee version of the card. Can i apply for the arrival plus and get the sign-up bonus with the no-fee version card open or must cancel it?

  18. Huh? re: your Chase comment that says “If you have 5+ new credit card accounts with any bank in the last 24 months, you will be denied all Chase personal and business credit cards…(unless targeted)”.

    There are a number of Chase cards that aren’t 5/24 restricted and would be approved even if both (1) not targeted, and (2) over 5/24.

    • You’re correct, we’ve written about that many times on the blog as well. Those links were just left out but I have added them now for clarification.

  19. You say that ” if you currently hold a Sapphire card, you’re not eligible for a Sapphire Preferred nor a Sapphire Reserve”. Does that apply if you are an authorized user on your spouses’s Sapphire card?

  20. The numbers for Citi are incorrect. The numbers you use are the ones recommended on sites like flyertalk to make sure that the actual rules are not broken. The actual app rules are 1/7, 2/60, and 1/90 for biz cards.

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