Can You Get Approved For Two Citi Cards In One Day?

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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:

Both of these are phenomenal 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 ThankYou® Premier Card, and she was instantly approved. 

Then we applied for the CitiBusiness® / AAdvantage® Platinum Select® World 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 incredible offers we’re seeing on both the Citi ThankYou® Premier Card and CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, that’s an amazing number of points to be eligible for based on two applications in one day. You also can’t beat that both of the cards have their annual fees waived for the first year.

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.

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Comments

  1. @lucky I applied for and was approved for the Thankyou Premier yesterday , I have a Prestige Card that I got July 2016 … I’m eligible for the premier bonus correct ?!

  2. You Can Get Approved For Two Citi Cards In One Day!
    Even two personal cards such as Citi thank you premier and AA card!

    I applied for one citi thank you premier personal card 14 days ago, got pending, and called today to get it approved.
    Immediately I applied for a citi AA personal card and was approved instantly.

  3. @ shawn — Interesting. Has anyone else been able to apply for and be approved for two Citi personal cards in the same day? Or is this a case of having applied two weeks ago and it finally got approved today, but the eight day clock started then? I think it might be the latter.

  4. I believe that the Citi 8/65 rule has always been based on application date, not approval date. This would explain why shawn was approved for two cards in the same day because his first app was submitted 2 weeks prior.

  5. @Lucky – I have the Premier and am past the 24-month point. What are the odds of being approved for a second TY Premier and getting the bonus?

  6. @ Steven — Citi’s rules do allow you to get a second version of a card (and you’d be eligible for the bonus). This is something that some people do so they can better separate expenses, for example.

  7. Okay…but now Mom has $8K of spend to do in 3-4 months!

    I applied for the Citi Business card back in March, did the spend and got the points. Happy with that, for sure even though it was before the bonus was increased. I guess I’ll just have to get the MileUp for extra 10K points.

    Applied for the Citi Premier last week. I canceled my Citi Prestige two years ago so really hoping the bonus on the Premier comes through.

    Booked Cathay Pacific first class from Asia with Alaska miles last year and again for next year. It’s all worth it!

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