BonusCeilingCapital One, Citi and Bank of America bonus rules (Oct 2026)
Short answer: Capital One limits Venture and Venture X bonuses to once per 48 months, Citi Strata Premier's bonus isn't available if you've ever had Strata Premier or Premier, and Bank of America approvals are commonly reported to follow a 2/3/4 velocity guideline. Cards from these issuers without a verified rule are listed too; always read the offer terms.
By TK · Updated
Capital One 48 months (Capital One)
Venture X: not eligible if you received a bonus on this product in the past 48 months. Venture: not eligible if you received a bonus on Venture or Venture X in the past 48 months.
Citi Strata Premier (formerly 48-month rule) (Citi)
Citi historically used a 48-month rule. Current Strata Premier page: not available if you currently have or previously had a Strata Premier or Premier account (no time limit).
BofA 2/3/4 (community-reported) (Bank of America)
Community-reported guideline: max 2 new BofA cards per 2 months, 3 per 12 months, 4 per 24 months. Not published by the issuer; treat as approximate.
Current offers from these issuers
| Card | Current public offer | All-time high | Annual fee | vs. record |
|---|---|---|---|---|
| Bank of AmericaBank of America Premium Rewards | 60,000 points ($600 value) after $4,000 spend in 90 days | 60,000 points after $4,000 (since Jun 2023; up from 50,000 at 2017 launch) per Doctor of Credit | $95 | AT RECORD |
| Capital OneCapital One Venture | 75,000 miles after $4,000 spend in 3 months + $300 Capital One Travel stays credit | 75,000 miles is the best standard public offer (a brief 2023 100k special link and a 2021 tiered 100k with $20k spend also existed) | $95 | AT RECORD |
| Capital OneCapital One Venture X | 75,000 miles after $4,000 spend in 3 months | 100,000 miles + $200 vacation rental credit (launch, Nov 2021) | $395 | 75% of record |
| CitiCiti Strata Premier | 60,000 points after $4,000 spend in 3 months | 80,000 points after $4,000 in 3 months (Jul 2021-Jan 2022; Jun 2022-Jan 2023) per AwardWallet and BonusEagle; TPG lists 75,000 as the highest it has seen | $95 | 75% of record |
| Bank of AmericaAtmos Rewards Ascent Visa (Alaska Airlines) | 50,000 points + $99 Companion Fare after $1,500 spend in 90 days | Unknown (not verified) | $95 | History unknown |
| Bank of AmericaBank of America Customized Cash Rewards | $200 after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| Bank of AmericaBank of America Travel Rewards | 25,000 points ($250 value) after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| Capital OneCapital One Quicksilver | $200 after $500 spend in 3 months | Unknown (not verified) | $0 | History unknown |
| Capital OneCapital One Savor | $200 after $500 spend in 3 months | Unknown (not verified) | $0 | History unknown |
| Capital OneCapital One Spark Cash Plus | $2,000 after $30,000 spend in 3 months | Unknown (not verified) | $150 | Business History unknown |
| Capital OneCapital One Venture X Business | 150,000 miles after $30,000 spend in 3 months | Unknown (not verified) | $395 | Business History unknown |
| CitiCiti / AAdvantage Platinum Select | 80,000 miles after $3,500 spend in 4 months | Unknown (not verified) | $0 first year, then $99 | History unknown |
| CitiCiti Double Cash | $200 after $1,500 spend in 6 months | Unknown (not verified) | $0 | History unknown |
| CitiCiti Strata Elite | 75,000 points after $6,000 spend in 3 months | Unknown (not verified) | $595 | History unknown |
Frequently asked questions
What is the Capital One 48 months rule?
Venture X: not eligible if you received a bonus on this product in the past 48 months. Venture: not eligible if you received a bonus on Venture or Venture X in the past 48 months.
What is the Citi Strata Premier (formerly 48-month rule) rule?
Citi historically used a 48-month rule. Current Strata Premier page: not available if you currently have or previously had a Strata Premier or Premier account (no time limit).
What is the BofA 2/3/4 (community-reported) rule?
Community-reported guideline: max 2 new BofA cards per 2 months, 3 per 12 months, 4 per 24 months. Not published by the issuer; treat as approximate.