BonusCeilingCiti credit card bonus rules (October 2026)
Short answer: Citi Double Cash and Citi / AAdvantage Platinum Select bonuses aren't available if you received that card's new account bonus in the past 48 months (including a bonus on a Citi card you later converted into it). Citi Strata Premier and Strata Elite bonuses aren't available if you currently have or previously had the card (Strata Premier also counts the old Premier), with no time limit. Citi also says you may not be eligible based on your history of opening, closing and using credit cards. The rules below are quoted or closely restated from Citi's own pages.
By Tyler Kelly · Updated · Offers checked
Citi Strata Premier (formerly 48-month 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).
Source: issuer terms · Citi Strata Premier page (read 2026-10-19). Applies to: Citi Strata Premier
Citi 48 months (Double Cash, AAdvantage Platinum Select)
Citi Double Cash and Citi / AAdvantage Platinum Select pages: the bonus is not available if you received a new account bonus for that card in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into it.
Source: issuer terms · Citi / AAdvantage Platinum Select page · Citi Double Cash page (read 2026-10-19). Applies to: Citi / AAdvantage Platinum Select, Citi Double Cash
Citi Strata Elite 'ever had'
Citi Strata Elite page: 'New account bonus offer is not available if you currently have or previously had a Citi Strata Elite account.' Citi adds that you may not be eligible based on your history of opening, closing and using credit cards.
Source: issuer terms · Citi Strata Elite page (read 2026-10-19). Applies to: Citi Strata Elite
Citi cards: which rule applies and how long to wait
| Card | Wait before earning this bonus again | Application limits | Current offer |
|---|---|---|---|
| CitiCiti / AAdvantage Platinum Select | 48 months since this card's bonus (including a bonus on a Citi card later converted into it) | None verified | 80,000 miles after $3,500 spend in 4 months |
| CitiCiti Double Cash | 48 months since this card's bonus (including a bonus on a Citi card later converted into it) | None verified | $200 after $1,500 spend in 6 months |
| CitiCiti Strata Elite | Not available if you currently have or previously had Strata Elite (no time limit) | None verified | 75,000 points after $6,000 spend in 3 months |
| CitiCiti Strata Premier | Not available if you currently have or previously had Strata Premier or Premier (no time limit) | None verified | 60,000 points after $4,000 spend in 3 months |
Citi cards: current offer vs. all-time high
| Card | Current public offer | All-time high | Annual fee | vs. record |
|---|---|---|---|---|
| CitiCiti / AAdvantage Platinum Select | 80,000 miles after $3,500 spend in 4 months | 80,000 miles (Sep 2025-Aug 2026; again Oct 2026); no higher offer appears in Doctor of Credit's log | $0 first year, then $99 | AT RECORD |
| CitiCiti Double Cash | $200 after $1,500 spend in 6 months | $200 (Aug 2022-Jan 2023; again from Nov 2023); no higher public offer appears in Doctor of Credit's log | $0 | AT RECORD |
| CitiCiti Strata Elite | 75,000 points after $6,000 spend in 3 months | 100,000 points after $6,000 in 3 months (Nov 2025-Feb 2026; Feb-Apr 2026) per Doctor of Credit | $595 | 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 |
Frequently asked questions
What is the Citi Strata Premier (formerly 48-month 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 Citi 48 months (Double Cash, AAdvantage Platinum Select) rule?
Citi Double Cash and Citi / AAdvantage Platinum Select pages: the bonus is not available if you received a new account bonus for that card in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into it.
What is the Citi Strata Elite 'ever had' rule?
Citi Strata Elite page: 'New account bonus offer is not available if you currently have or previously had a Citi Strata Elite account.' Citi adds that you may not be eligible based on your history of opening, closing and using credit cards.
Does Citi still have a 48-month rule?
Yes, on some cards. In our data the Citi Double Cash and Citi / AAdvantage Platinum Select pages use 48-month language, while Strata Premier and Strata Elite use 'currently have or previously had' language with no time limit.
Can I get the Citi Strata Premier or Strata Elite bonus twice?
Not according to the current pages: the bonus isn't available if you currently have or previously had that card (for Strata Premier, also the older Citi Premier).
Which Citi cards are at their all-time high bonus right now?
As of October 19, 2026: Citi / AAdvantage Platinum Select (80,000 miles after $3,500 spend in 4 months); Citi Double Cash ($200 after $1,500 spend in 6 months). The table shows every Citi card's offer compared to its record.
Run the eligibility checker → · All Citi card bonuses · How long to wait between bonuses (all issuers)