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Citi Adds 48-month Restriction to All American Airlines Credit Cards

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Citi Adds 48-month Restriction to All American Airlines Credit Cards

Jason StaufferCiti Adds 48-month Restriction to All American Airlines Credit CardsMillion Mile Secrets Team

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Last month some Citi American Airlines credit card application pages were showing updated restrictions. In the past, you had to wait 24 months from when you opened or closed a Citi American Airlines card before you were eligible to earn the bonus again. Now Citi has introduced a 48-month waiting period with slightly different language.

Updated Citi American Airlines Credit Card Restrictions

This is what the updated restrictions look like for the Citi®/AAdvantage® Platinum Select® World Elite™ Mastercard®:

American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a Citi®/AAdvantage® Platinum Select® account in the past 48 months.

And similar language now also applies to the following cards:

As I’m writing this, our links for the Citi® / AAdvantage® Executive World Elite™ Mastercard® still have the 24-month restriction:

American Airlines AAdvantage® bonus miles are not available if you have had any Citi® / AAdvantage® card (other than an AAdvantage MileUpSM or CitiBusiness® / AAdvantage® card) opened or closed in the past 24 months.

However, there are other links for the Citi American Airlines Executive card with the 48-month language, so it likely won’t be long (maybe only hours) before the terms on our links are updated. If you were planning on opening a Citi American Airlines Executive card and you’ll be affected by the new 48-month waiting period, then I would apply as soon as possible and be sure to take a screenshot of the terms on your application.

Now you’ll have to wait longer, but the wait (in some cases) won’t be as bad as it looks. The silver lining is that the 48-month restriction is now applied to each card individually, instead of the entire brand of cards. So if you’ve earned a bonus with the Citi American Airlines Executive card, it won’t limit you from earning a bonus with Citi American Airlines Platinum card.

The 48-month waiting period starts when you earn your welcome bonus, which typically is within three months of opening your card. Previously, the 24-month waiting period began when you opened or closed a card. So if you kept a card open for 24 months and closed it, you would have had to wait 48 months before being eligible for that card’s bonus again.

As of now, the 48-month waiting period hasn’t been extended to other Citi credit cards like the Citi Premier℠ Card or Citi Prestige® Credit Card. But the writing is on the wall and it looks like this is the direction Citi is heading. So if you’ve been considering applying for either of those cards, you might want to move them up your list.

Also, the Citi Premier has an increased intro bonus of 60,000 ThankYou points after spending $4,000 on purchases within the first three months of account opening. To learn more about the card, read our full Citi Premier review. And don’t forget that this fall Citi is cutting a ton of travel perks from their cards, which means you’ll need to get your coverage from a different credit card with travel insurance.

The information for the Citi AAdvantage Platinum, Citi Premier, Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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Featured image courtesy of American Airlines.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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So it sounds like the Open / Close requirement is no longer applicable. I had an AA card for a few years but it was closed by Citi for lack of use last year. (rookie mistake?) But with the new language is appears I can now apply for a new card and get the signup bonus as my last bonus received was over 48 months ago. Will probably wait for an increased bonus at an opportune time.

Yep that’s how I’m reading it as well. The 48 months starts from the last time you earned the bonus.