by Lyle Daly | Updated July 21, 2021 - First published on Dec. 20, 2018
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Citi has plenty of popular cash-back cards, airline cards, and ThankYou® Rewards cards, but the card issuer also has its fair share of restrictions to keep in mind. To ensure you qualify for a card's sign-up bonus and that your application won't get automatically denied, it's important to know Citi's application policies.
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Citi's rules pertain to the number of applications you can submit within specific timeframes. The limits are:
If you try to submit more applications than allowed, Citi will automatically deny any that exceed its limit.
Citi limits sign-up bonuses to one bonus per brand in a 24-month period. In this case, brand refers to the different lines of Citi credit cards.
Note that Citi considers its personal and business cards to be separate here. For example, you could get a personal card with Citi, and then get the business card version a month later, while receiving the sign-up bonuses on both.
Here's what you need to remember about this restriction -- if you cancel a card or product change it to a different one, that restarts the 24-month waiting period before you can get another sign-up bonus within that card brand.
With Citi's restriction on sign-up bonuses, it makes sense to choose the brand of cards you like first, and then pick the card with the biggest bonus. Here are two of Citi's main card brands and the cards in each one offering the best sign-up bonuses, plus a couple other card suggestions to consider.
The ThankYou® Rewards program has Citi's most versatile travel cards, because they earn points that you can either send to different transfer partners or redeem through the ThankYou® Travel Center.
These airline credit cards earn miles in American Airlines' AAdvantage® program, which you can use to book award flights.
Citi has a well-rounded lineup of lucrative cash back and 0% intro APR cards that are among the longest offers on the market. Check out our picks of the best Citi credit cards for a deeper rundown on each.
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