Did Citi Just Add A Lifetime Limit On Signup Bonuses? (Probably Not)


(Update: Mark from MtM notes that this language was added some months ago. Given it’s been around for some months and we haven’t heard of anyone getting denied a bonus, I’d guess that there is no new rule limiting to one bonus per lifetime. One of the other interpretations, mentioned below, must be their intent.)

Readers point out that there’s a new qualifying line for the signup bonus on the new 80,000 points Citi Premier signup bonus (direct Citi link):

Bonus ThankYou® Points are not available if you received a new cardmember bonus for Citi Premier® Card within the first 3 months of account opening.

It’s quite vague as to what they mean to exclude, but it’s possible they mean to say that if you’ve ever gotten a Citi Premier signup bonus (within 3 months) in your life, then you aren’t eligible. It’s also possible they are simply saying that you can’t get two bonuses for the same signup. Or maybe they are somehow trying to prevent someone from signing up for two cards at the same time and getting two bonuses. According to these latter interpretations, you can get a second bonus for the Citi Premier card, e.g. if you got a bonus 5 years ago, you can get another bonus now.

This new qualifier is in addition to the regular line of not having received a bonus or closed a card within the past 24 months – a confusing rule in its own right which we discuss in detail in this post.

If there is indeed a new rule here, there’d be two separate limitations to Citi signup bonuses: 1) each card bonus can only be received once in your lifetime, 2) even a card which you never got a bonus on, you still need to wait 24 months since you got a bonus on the ThankYou family.

Reader boomX reports that when applying over the phone for the same 80,000 offer the new terms were not there. I did some searching and found a signup link for the new offer which does not contain the line and should not have the new rule (if there even is a new rule).

Link with new qualifier | Link without new qualifier

I’ve updated the link in our original post to the link without the new qualifier. Note, the new qualifier is found on affiliate links which bloggers are using, so you might to avoid those if you’ve already gotten the Premier signup bonus until we get greater clarity on this new rule. Also note, the new language is only showing on the Citi Premier card; at this time it’s not showing on signup bonuses for other cards, such as the Rewards+.

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