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You used to be able to get approved for 2 personal Citi cards (of the exact same type) at the same time (or one after the other) and get the bonus on both cards. This worked with the Citi American Airlines cards, the Citi Hilton cards, and the Citi Hilton Reserve cards!
However, Citi has recently changed the “rules” for how they approve applications. And you can’t get more than ONE Citi card approved per day.
Note that these “rules” are based on my experiences, reader feedback and posts on Flyertalk and MilePoint, which means that your experience could be different.
1 Citi card per day
The new “rules” are that you can get only ONE card – either personal or business – per day. It doesn’t matter if you apply for a business card or a personal card. Or if you apply for different co-branded cards (say, 1 Hilton and 1 American Airlines card).
You won’t get approved for the 2nd card, on the same day, and calling in to the reconsideration line doesn’t seem to help.
2 cards within 65 days
But you can apply for a second card a few days after your first card application and likely get approved for it. However, Citi will only approve 2 personal cards within a 65 day period, and 1 business card every 95 days so make sure that you haven’t crossed these limits.
Citi reps say that only one card per day will be approved, but I prefer waiting 2 or 3 days in between applications to make sure that at least 1 day (however it is calculated by Citi!) has passed.
This means that you could apply for the Citi Hilton Reserve card today and in 2 or 3 days you should be able to get the Citi American Airlines business card.
But you won’t be able to get the exact same card after just a few days, though you will be able to get close variants. For example, you could get a personal Citi American Airlines card today and the business American Airlines card 2 or 3 days later. Or the Hilton Reserve and the regular Hilton card a few days later.
Citi American Airlines Cards – Up to 110,000 Miles
There are 3 Citi American Airlines cards which you can get for a total of 110,000 miles. 110,000 American Airlines miles will take you almost anywhere in the world! See this post for more details on how to use American Airlines miles.
As discussed the general Citi rules apply which mean that you can’t get more than 2 cards within a 65 day period. And you have to wait at least 2 to 3 days in between the first and second card.
But there are also informal “rules” specific to the American Airlines cards which suggest that you CAN get another personal Citi American Airlines card if it has been at least 18+ months from when you were last approved (not from when you cancelled) for a Citi American Airlines personal card.
An exception seems to be the personal GOLD MasterCard with 30,000 miles after spending $750 within 3 months. You may be able to get this version even if it has not been 18+ months from your last successful personal card approval from Citi because it appears to be considered a different product from the other American Airlines cards.
However, this isn’t guaranteed, so apply with that in mind.
Note that you can’t get 1 American Airlines personal Visa AND 1 American Airlines personal AMEX card at or around the same time any longer. But the Gold MasterCard (above) appears to be an exception.
Best Current Links
Here are links to the best Citi American Airlines offers. However, the sign-on bonus is NOT always mentioned in the application page, but the link does work and almost everyone receives the sign-up bonus. You can always confirm the sign-up bonus when you call to activate the card.
- Citi American Airlines personal card with 40,000 miles after spending $3,000 within 3 months (if you want to see an application page)
- Citi American Airlines personal GOLD MasterCard with 30,000 miles after spending $750 within 4 months
- Citi American Airlines Business Visa with 50,000 miles after spending $3,000 within 3 months
Here’s how to get all 3 cards over 65 to 95 days if it has been 18+ months from when you were last approved for a Citi American Airlines card or if you never had a Citi American Airlines card:
- Day 1: Apply for the Citi American Airlines personal card with 50,000 miles after spending $3,000 within 3 months
- Day 3 or 4: Apply for the Citi American Airlines personal GOLD MasterCard with 30,000 miles after spending $750 within 4 months. You may have to call in to get approved.
- Day 65 or later: Apply for the Citi American Airlines Business Visa with 50,000 miles after spending $3,000 within 3 months
Just be sure that you can meet the minimum spending requirements before applying. See the 40+ ways to complete your minimum spending requirements for more tips.
And here’s a post on how many of us may be eligible for business credit cards without knowing it.
Citi American Airline Business Cards
You used to be able to get a new Citi American Airlines business (not personal) card every 3 to 4 months after closing your last Citi American Airlines business card.
However, folks are speculating that you may need to wait about 6 months or longer from when you last cancelled the card to get another one. Unfortunately, I don’t have any recent personal experience to share since the “rules” changed.
Citi Hilton, Citi Hilton Reserve & other Citi Cards
You used to be able to get 2 Citi Hilton cards and 2 Citi Hilton Reserve cards at the same time, but that is no longer possible because Citi will approve only 1 card per day.
The “old rules” for the Citi Hilton & Thank You cards were that you could get as many as you wanted as long as you didn’t apply for more than 2 personal cards within 65 days.
But there haven’t been many recent reports (since the rules changed) on the time needed between applications to get the Citi Hilton Reserve, Citi Hilton or other Citi cards again.
I’m guessing (as in: I don’t really know) that you may be able to get a second of these cards after 3 to 6 months, but it will take time to get new data points on what is and what isn’t possible.
It could very well be that Citi will not approve for the exact same card again if you have the same card open, but we don’t know for sure.
Please share your experience in the comments!
If you are denied for a Citi card because of too many recent inquiries or for any other reason you usually have better luck writing a reconsideration letter to Citi and including your phone number for them to call you back.
But this doesn’t work if you are denied for having an existing version of the card which you applied. For example, writing a reconsideration letter if you were denied for already having a Citi American Airlines card isn’t likely to help.
The rules for getting 2 Citi cards have changed, but you can still get up to 110,000 American Airlines with just 3 cards!
110,000 American Airlines miles should get you almost anywhere in the world on American Airlines or one of their airline partners!
Just remember to not apply for more than 1 card per day, and no more than 2 personal cards within 65 days or 1 business card every 95 days.
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