Which Credit Cards Let You Get the Sign-Up Bonus Again?

Disclosure: We get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. American Express, Barclaycard, Chase, and US Bank are Million Mile Secrets advertising partners. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners. Here’s our Advertiser Disclosure.

Million Mile Secrets reader Bryce comments:

I’m wondering about eligibility to get sign-up bonuses again.  If I had a credit card, used it, got the bonus, and canceled the card, is there a possibility to apply for the card again and get the sign-up bonus again?

If so is there a time period you have to wait to apply and get the bonus again?

This is 1 of the most common questions asked by Million Mile Secrets readers.  If you’ve had a credit card in the past, can you re-apply and get the sign-up bonus a 2nd (or 3rd, or 4th…) time?

Which Credit Cards Let You Get The Sign Up Bonus Again

Thank You, Come Again! Which Cards Let You Get the Sign-Up Bonus More Than Once?

I wrote several years ago that getting the bonus again depends on the bank that issues the card.  And that’s still true, but the rules have changed!  

The US credit card market is saturated, so banks offer large sign-up bonuses to get you to apply for their cards.  And they hope that you’ll use their cards even after getting the sign-up bonus!

Major Banks and Their Policies

Link:   Hot Deals

Applying for lots of credit cards is NOT for everyone.  Before you consider applying for a card again (or even for the 1st time), read my post about the dangers of applying for credit cards!

1.   American Express

In the past, you could get the bonus on many American Express cards again, as long as you hadn’t held the card in the previous 12 months.

But AMEX has changed their rules for personal AND business cards.  Now, you can only get the bonus for a particular card ONCE per lifetime!

Which Credit Cards Let You Get The Sign Up Bonus Again

Bummer! You Can Now Only Get the Bonus on AMEX Personal & Business Cards ONCE per Person, per Lifetime!

That said, folks who’ve gotten a personal card like the American Express Starwood Preferred Guest can’t get that exact card again, but they can get the business version!

2.   Bank of America

You can apply for Bank of America cards more than once and get the bonus.  In fact, some folks report getting the bonus again while still having their 1st card account open!  But you should wait at least 30 days between applications.

For example, if you got the increased 90,000 mile (really 70,000 mile) Bank of America Virgin Atlantic card offer in the past, you could apply for it again.

2016-04-11_16-58-21

Folks Have Been Able to Get the Bank of America Virgin Atlantic Card Again!

Keep in mind, Bank of America is well-known for not always approving folks for the premium version of a card.

For example, the Bank of America Alaska Airlines Visa card comes in 3 versions:  Visa Signature, Platinum Plus, and Classic.  You’ll only get the full 25,000 mile sign-up bonus if you’re approved for the Visa Signature.

So if you already have a lot of Bank of America cards open, they may not be willing to extend you the larger credit line required for the Visa Signature card.  And you’ll miss out on the bigger sign-up bonus!

Note:   If you decide to apply for Bank of America cards again, remember they don’t usually waive the annual fee on their travel cards.  So you’ll have to do the math and figure out if paying another annual fee is worth getting more miles (Hint: it usually is!).

3.   Barclaycard

Barclaycard allows folks to get the sign-up bonus on their cards more than once.  However, reports suggest that you should wait at least 6 months between applications.

That said, Barclaycard has become very strict about the number of credit cards you can apply for.  Most folks can only get approved for 1 to 2 cards per year!

And be careful about calling the reconsideration line, because some cardholders have existing accounts canceled when they’ve done this!

Which Credit Cards Let You Get The Sign Up Bonus Again

Be Careful Calling Barclaycard’s Reconsideration Line If You’re Applying for a Card Again, Because They’ve Canceled Existing Accounts Before

If you’ve had the Barclaycard Arrival Plus in the past, folks confirm they’ve been able to get the sign-up bonus again.

4.   Chase

Update:  If you’ve opened 5 or more credit card accounts (from any bank) in the past 24 months, it’s VERY UNLIKELY Chase will approve you for any of their Chase Ultimate Rewards earning cards, like the Chase Freedom, Chase Sapphire Preferred, or Chase Ink Plus.

And Chase’s airline and hotel cards will likely soon have the same rules.

Chase’s policy used to be that you could only get the sign-up bonus ONCE per card.  But that’s changed!

The terms and conditions on cards like the Chase Freedom indicate you can get the card again as long as you hadn’t received the bonus in the previous 2 years AND you don’t have the card currently open.

This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.

It looks like most Chase credit cards let you get the bonus again, with similar terms!

Which Credit Cards Let You Get The Sign Up Bonus Again

Chase Cards Are Among the Best for Getting Big Travel With Small Money, so Being Able to Apply for Them More Than Once Is Great News!

For example, the offer details for the Chase Sapphire Preferred card explain that you can get the bonus more than once.

The same is true of the Chase Southwest cards.  That’s great news for folks who want to earn the Southwest Companion Pass again (including us!). 🙂

Note:   You can also get the bonus again if the card changes significantly, like when the Chase Ink cards went from being issued as MasterCards to Visa cards.  That’s because it’s considered a different card product.

5.   Citi

It was once quite easy to get Citi cards over and over again.  But that, too, has changed.

For example, the terms and conditions for the Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® say:

American Airlines AAdvantage® bonus miles offer is not available if you have had a Citi® / AAdvantage® Platinum Select® MasterCard® opened or closed in the past 24 months.

Which Credit Cards Let You Get The Sign Up Bonus Again

Are These Folks Smiling Because They Got the Citi AAdvantage MasterCard Bonus More Than Once?

That said, some Citi cards still have terms which state you can get the bonus again after 18 months of opening or closing an account.  For example, the Citi® / AAdvantage® Executive World Elite™ MasterCard® terms and conditions say:

American Airlines AAdvantage® bonus miles are not available if you have had a Citi® / AAdvantage® Executive World EliteTM MasterCard® opened or closed in the past 18 months.

And for the Citi ThankYou Premier, the rules currently say:

This offer is only valid for new accounts.

Others report that you can’t get the bonus again on cards like the Citi Hilton HHonors Reserve.  But their terms and conditions say:

Weekend Night Certificates offer is not available if you have had a Citi Hilton HHonors Reserve Card account that was opened or closed in the past 18 months.

Note:   While Citi cards seem to be quite variable in allowing more than 1 bonus, the following rules apply for all Citi applications:

  • No more than 1 application in 8 days
  • No more than 2 applications in 65 days
  • No more than 1 business application in 95 days

6.   US Bank

Depending on the card, you could get a sign-up bonus again with US Bank.  For example, the terms and conditions on the US Bank Club Carlson Premier Rewards Visa Signature card say:

Neither new account bonus is available to applicants who have had this card or another Club Carlson credit card product within the last 12 months.  If your account is not open for at least 6 months, Club Carlson and US Bank reserve the right to deduct the new account bonus Gold Points from your Club Carlson account.

Which Credit Cards Let You Get The Sign Up Bonus Again

Yes, You Can Get the Club Carlson Card Again!

That said, some folks elect to keep this card long-term, because you get 40,000 miles on each anniversary.

I checked the terms and conditions for the US Bank FlexPerks Travel Rewards Visa Signature card, and they’re quite different:

You are eligible to receive one-time bonus FlexPoints for each new FlexPerks Travel Rewards and FlexPerks Select Rewards Visa account type. Existing and previous FlexPerks Travel Rewards and FlexPerks Select Rewards Visa accounts do not qualify for bonus FlexPoints for a similar account type.

Note:   US Bank is notorious for being very picky about approving credit card applications.  They don’t like it if you have a lot of recent inquiries on your credit report!  So you might be better off just hanging on to the cards you have, instead of trying to apply again.

Bottom Line

Depending on the bank, you could get the sign-up bonus for some credit cards even if you’ve had them before (or still have them!).

Banks which allow you to get the bonus again generally require you to wait until a certain amount of time has passed since you last had the card or received the bonus.

If you’re applying for a Chase card, it’s unlikely you’ll be approved in most cases if you’ve opened ~5 or more cards from any bank in the past 24 months.

And some card issuers, like American Express, will only let you get the bonus once per lifetime for their personal and business cards.

If you’ve had a different experience with getting a bonus again, please share it in the comments!

* If you liked this post, why don’t you join the 16,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

* If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

Leave a Reply

Your email address will not be published. Required fields are marked *

36 responses to “Which Credit Cards Let You Get the Sign-Up Bonus Again?

  1. Even though the wording , in terms and conditions, is changing concerning sign-up bonuses, I have never been denied a card for that reason. I recently applied for Citi preferred, ( third time this year) in my name and my wife’s and received sign up bonus all three times. Also, with chase Freedom, 2nd time this year I have received the $200 bonus for myself and my wife. Also the Chase Marriott cards for the 2nd time this year. The last time getting 70,000 points for myself my wife my 21 yr old son and my elderly parents.
    I think that even though the policies and language have changed, the card companies are so greedy and want to be able to give you that instant decision when applying over the internet. And they haven’t built into the program any detectors that will raise red flags when “abusers” are suspected or identified.
    I have been playing this game for 5 years now with the bonuses and keep detailed records of all the cards I go through. When applied, terms, bonus potential, and when cancelled. I figure one of these days, as these concepts become more popular, the card companies will recognize the multiplied millions of dollars being sifted out of their companies by “abusers”, but at least for now the greedy thought of capturing more business and “tricking ” people into high interest rates when they abuse their spending power vastly out weighs the in comparison “miniscule” amount of money lost to us bonus snatchers.

  2. I’d actually take it one step further than joe hammand did. Why would credit cards advertise at Million Mile Secrets and offer Daraius and Emily nice affiliate payments if they didn’t think that the readers of this blog will be a profitable market for them? Do they think that MMS is about tomato gardening? Probably not.

    They must feel that despite the abusers (and I would not call those who simply keep applying for cards abusers unless they’re lying about something when they do so) this very miles and points geeks market is profitable for them, not just their promotional methods and operations as a whole.

  3. I was issued a Citi AA Gold card in April of 2013 and a Citi Executive AA card in May of 2013. Both cards are still open. Do you think that I could get the bonus for a Citi Plat AA now or do I have to wait 18 to 24 months past May of 2013?

  4. We (wife/I) were able to get two Barclays Arrival + cards last year with 40K+ bonus (x2).

  5. I have definitely got multiple sign up bonuses on the southwest cards and didn’t wait a full 2 years to pass but i will now stick to this 2 year rule as it’s way to appeal a decision if for some reason I don’t get it.
    Thanks! 🙂

  6. Thanks for laying this out so clearly! I didn’t know you could get the Arrival+ a second time but I may try it before my next trip to Europe since the chip/pin feature is pretty handy.

  7. I would like to know , if I have three credit cards with all mileage bonuses. Is there a way I can combine all of them up to purchase a internationl ticket?

    Thanks

  8. If I signed up for the Citi Executive (100k sign-up bonus) 6 months ago, can I sign up for the Platinum for 50k miles?

  9. I have the same question as S. I’ve been reading that the Platinum and Executive card are considered the same line of product and that you might not be eligible for the Platinum if you recently got the Executive.

  10. The only hotel credit card you mentioned is the Starwood and Citi Hilton Reserve. Do these same rules apply to other hotel credit cards such as the Hyatt?

  11. I have a question on cancelling cards. I have noticed that if I forget to cancel my Southwest card before I get charged for the annual fee, I will still receive the 6,000 points that go into my account and then I get the fee refunded since I still cancel within 60 days. Will it put you on some kind of bad list if you always do this?

  12. CAUTIONARY TALE TO ALL Regarding Citi:

    I’ve opened three Citi cards over the past two years without a problem and closed my last one back in April.
    In August 2014 I received a flyer from Citi (with my name and mileage balance on the flyer) with an offer to apply for 50k card. I did and I GOT REJECTED for already having had the card previously, even though this was a targeted offer.

    Two weeks ago I decided to call and apply for the new 50k bonus offer and see if i was eligible. The lady on the phone told me that she could not find anything in her information that said I would not be eligible for having the card again. I therefore applied over the phone. One week later I received a letter saying I was REJECTED AGAIN for the same reason.

    I called up and the lady was very hostile towards me saying that I had already applied for the card three times and kept cancelling before the annual fee and the reason why they rejected me was because they were cracking down on this behavior so be aware.

    I am however thinking of filing a complaint to the Credit Financial Bureau for false advertising with that first targeted offer. Any thoughts on that?

  13. I have read the T/C FOR RESRVE CARD and do not see
    “Weekend Night Certificates offer is not available if you have had a Citi Hilton HHonors Reserve Card account that was opened or closed in the past 18 months.”

    this full t/c -please advise see this or look at link

    Weekend night certificate(s) is (are) earned after purchase requirements have been met using your Citi Hilton HHonors Reserve Card. Weekend night certificate is valid for one (1) weekend night standard accommodation, double occupancy, subject to availability, at properties in the Hilton HHonors portfolio, excluding those listed at HHonors.com/weekendcertificate. The weekend night certificate applies only to room rate and corresponding taxes, and does not apply to any applicable gratuities, resort fees or incidental charges. Weekend night certificate is valid for twelve (12) months after the date of issuance, as noted on the certificate. You must follow all terms stated on the certificate when redeeming or the certificate may not be honored. Purchases made using additional cards on the primary cardmember’s account will count toward the primary cardmember’s purchase requirements; however, additional cardholders are not eligible to earn a certificate. Your Citi Hilton HHonors Reserve card account must be open and current at the time the certificate is issued. For complete Terms and Conditions, please refer to your certificate.

    https://www.accountonline.com/ACQ/DisplayTerms?sc=62HZ12G26HRZhhonoZW&app=UNSOL&siteId=HHONORS&langId=EN&BUS_TYP_CD=CONSUMER&DOWNSELL_LEVEL=0&BALCON_SC=&B=S&DOWNSELL_BRANDS=&t=&d=&uc=&AMEX_PID_AF_CODE=&AAPID=

  14. @S @ Scott,

    I applied for and was approved for 2 Citi AA Executive cards in January and May 2014. This past weekend, I applied for a Citi AA Platinum card and was rejected. It had been over 2 years since I last applied for the Platinum. The rep on the phone told me I had applied for an AA card within the last 18 months so I was not eligible. Citi seems to be considering the Executive and Platinum cards the same products in this regard.

  15. Does anyone out there know if one person can get the Southwest companion pass twice? (All the posts seem to say is to have your companion apply for the cards and pass next time)

    Thanks!

  16. What effect does having had two cards cancelled (by me) in the last few weeks have, on applying for a new card now, with a different card company than the two cancelled cards?

    My last card application was four months ago.

  17. should have very little effect, as long as they are not the only cards you have. you need to always keep a couple accounts open by revolving accounts. and keep your balance low, that way you have excellent credit/debt ratio.

  18. to BartNY and @S @ Scott. don’t ever talk to a representative regarding your credit application or worthiness, they will always be able to pull up your complete history from their company and see the obvious abuses if any. If you get denied on-line, move on to a different credit card company and let the denial rest for a few months. As far as lodging a complaint……they could really care less and it will achieve nothing.

    • @Jeff – You could try for the biz card now and later the Platinum personal version.

      @Jenny You – It depends on the cards! In general, you can’t transfer miles from one airline (say American Airlines) to another airline like (United). But you could transfer points from a card like the Sapphire Preferred to various hotels and airlines.

      @S – Folks report being denied if they signed up for the Executive card 1st. But you could try the business card.

      @ Carol – Usually!

      @Big D – They could if you keep on doing this!

      @ Karen – It is possible since there are 4 versions of the Southwest card. Just apply for a different version.

      @Ted – The impact of canceling cards. http://millionmilesecrets.com/2013/03/18/cancel-credit-card-credit-score/

  19. If I cancel my American Express credit card (blue sky) on good terms. Is it likely that I would be offer sign up offers for one of their charge cards?

  20. Daraius, I’ve been following your site for over two years now, and I recommend it to anyone who will listen. Thanks to you I’ve gotten TONS of points and big travel for small money in just that span. However, I’m still not confident or certain about how it works getting the bonus again. Based on what you say about the Citi cards, I’m wondering…

    I’ve had my Citi AAdvantage card, the first I ever got back when I got two at once, since January 2013. Obviously that method doesn’t work anymore. I’ve since cancelled one of the cards but kept the other. If I was to try to get another 50k bonus would I need to cancel the other and apply this February?? Or keep the first one (Visa) and get this one as a MasterCard??

  21. Hey Darius,
    Thank you for putting this post together. It is exactly what I was looking for. By the way, your idea around organization is key to managing so many different cards and bonuses and timing to do this.

    Thanks again, See you up there!!

  22. My wife and I apply each to a Bonus card such as Arrival + and keep it for one year. this way we avoid the yearly fee for the second year. Then we open a new high bonus card such as Venture and keep it for a year,
    in year 3 we may open a new card such as sapphire. and then repeat the process.
    We also apply to the new card 3 to 4 month apart so we can spread the required purchases over that period and only use one card.

    This way we accumulate 80,000 bonus points every year. actually well over 100,000 points for cards that pay us 2 points per $. as we easily spend over $10K a year on our cards. If we have a big Purchase that we can onload on a card such as a trip or a new car we may apply for a new card that gives high points for travel and use it just for that year ( if there is a fee past the first year)

  23. Many of us are interested in the Club Carson biz card. I wonder if having the personal card open precludes a bonus for the biz card?

    card churning is such small potatoes compared to manufactured spend.

  24. Pingback: Back Again: 3 Free First Class OW Flights - Miles & More 50k The Reward Boss

  25. My brother just cancelled his Amex Platinum Biz card a month ago, and just applied for the SAME card (but with a 150,000 point offer) and was approved. Also, my wife just got that same card (100k pt Amex Plat Biz), and they said that you can re-apply for the same card after 12 months of your previous application.

  26. Pingback: Lufthansa Miles & More 50k - 3 Free First Class OW Flights

  27. I was approved for the AMEX Delta SkyMiles card at 30,000 miles offer in the past. I’ve since cancelled the card. The offer is now 50,000 miles. I know I’m technically NOT eligible since I’ve had the card before. If I sign up again, would I get the difference of 20,000 miles?

  28. Hi Daraius,

    Do you or anyone know if the Amex rule of not getting the same card bonus twice started as of May 2014? I mean if you had the card and cancelled before that date, but then apply say like now are you still eligible to get the sign up bonus say for the gold amex?

    I have read one story were someone had the card before that date and applied earlier this year and got the sign up bonus again.

    Can anyone else confirm if they had like a platinum or gold before the date, and have received the bonus again after the date?

  29. My wife received a “Special Invitation” from Amex platinum for 100000 points after completing spend. She has a freeze on her account do to fraud, how this invite got thru we don’t know. Anyway, she had to give Amex her control number and they lifted the freeze and approved her for the card, she did this with a Supervisor, and she asked if she would get the bonus points, and was told she would. She had the card years ago, but wasn’t sure, when we didn’t get the bonus points, she called and was told about previous card, contacting customer service did no good also, even though she applied on the phone and asked specifically if she would get the bonus.

  30. Pingback: Why I just closed my Citi AAdvantage cards | Gate B3

  31. Pingback: Credit Cards With Sign Up Bonus | New Credit Card

  32. Hello,
    With ever changing rules, do you know at this point which credit cards can be opened multiple times while the previous one is still active?
    Based on the article, it seems like only BoA and maybe Barclaycard allow for this?
    Thank you,
    Anish

  33. if I change an adress would this help for a citi card to get the offer a again?
    a business card on amez offers would this help if I have a nw\ew business onder the same name?

  34. I signed up for the card last time. Didn’t get the bonus because didn’t meet the minimal spending. I cancelled it last year. if I sign up again do I qualify for the bonus?

    Thank you very much,