Citi has a lot of great card offers at the moment, and I know many people are trying to decide which card to apply for.
Personally, I think the two most tempting Citi offers at the moment are as follows:
- The Citi Premier® Card offers a welcome bonus of 60,000 ThankYou points after spending $4,000 within three months. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spend on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is offering a welcome bonus of 65,000 AAdvantage miles after making $4,000 of purchases within the first four months. The $99 annual fee is waived for the first 12 months.
Both of these are great bonuses. My mom has been wanting me to get her some good new credit cards, so I suggested these two cards for her.
Historically Citi has what’s known as the “8/65” rule when it comes to getting approved for their cards. What this generally means is that:
- You can only apply for one Citi card every eight days
- You can apply for no more than two Citi cards every 65 days
But apparently there’s one exception for this, which I just had the chance to test out. You can actually get approved for two Citi cards in one day, assuming one is a personal card and one is a business card. At least that’s what I’ve heard a few times, and also what I just experienced with my mom’s card applications.
First, we applied for the Citi Premier® Card, and she was instantly approved.
Then we applied for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® a few minutes later, and she was instantly approved for that as well.
So it’s awesome to see that it seems like you can indeed be approved for two Citi cards in a day, as long as one is a business card and one is a personal card. Note that while this allows you to get two cards the same day, you’ll still get two credit inquiries using this method (which shouldn’t matter too much, but I figured that’s worth clarifying).
Given the excellent offers we’re seeing on both the Citi Premier® Card and CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, that’s an amazing number of points to be eligible for based on two applications in one day.
So yeah, it’s great to know that there is a way to get around the “8/65” limit and at least get two cards the same day. At this point, I assume she’d still have to wait 65 days till she could get approved for her next Citi card.