How to Get the Same Sign-Up Bonus Twice

How to Get the Same Sign-Up Bonus Twice

Wouldn’t it be great to earn the same sign-up bonus several times? Some credit card issuers let you do just that. Here’s a look at which cards you can churn and the rules you have to follow to earn more than one bonus.

Every card company is different. Some make it relatively easy to earn the same sign-up bonus several times, while others, like American Express, are fairly restrictive. Below is a breakdown of the rules for each card issuer and the rewards cards you should consider getting.

Chase

Of the three major issuers, Chase has the most lenient rules when it comes to earning multiple sign-up bonuses with the same credit card. All you have to do is wait two years after getting the bonus—not from when you cancel the card—before applying again. That means you can keep the card for 24 months after getting the bonus, cancel it, and then immediately apply again.

That’s great, particularly if you like the benefits and features of the card you have. You won’t have to do without it for two years while waiting to get the bonus again.

Chase has several excellent offerings in its Ultimate Rewards program lineup. The recently introduced Chase Sapphire Reserve currently comes with a huge 50,000-point sign-up bonus, a $300 annual travel credit and Priority Pass Select lounge access. If you use them, those benefits more than cover the $450 annual fee.

Chase Sapphire Reserve℠

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How to apply
To apply for this offer please contact
Chase Bank
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
16.99% to 23.99% Variable±
Annual Fee
$450
Rewards Program
Ultimate Rewards®
Bonuses & Rewards
  • 3x Points on Travel and Dining
  • 1x Points On Gas
  • 1x Points on Car Rental
  • 1x Points on All Other Purchases
  • 50,000 bonus points after you spend $4,000 in the first 3 months.
  • 50% more value when you redeem for travel through Chase Ultimate Rewards.
  • No Foreign Transaction Fee
  • $ 300 Annual Travel Credit
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The Chase Sapphire Preferred is also an excellent choice, and it has a very manageable $95 annual fee that’s waived for the first year. It comes with a 50,000-point sign-up bonus and earns double points for travel purchases and at restaurants.


Chase Sapphire Preferred® Card

Discover it® Miles Card
How to apply
To apply for this offer please contact
Chase Bank
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
16.99% to 23.99% Variable±
Annual Fee
$0 first year, then $95
Rewards Program
Ultimate Rewards®
Bonuses & Rewards
  • 2x Points on Airfare, Hotels and Dining
  • 1x Points on Gas
  • 1x Points on Groceries
  • 1x Points on All Other Purchases
  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • 5,000 Bonus Points after your first purchase and the adding of an authorized user to your account in the first 3 months.
  • No Foreign Transaction Fee
  • % 25% more in travel redemption
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Small business owners and independent contractors qualify to get the Chase Business Preferred card, which has a slightly bigger 60,000-point bonus and impressive quintuple earning for office supplies, telecommunications, internet and cable, as well as double points at gas stations and restaurants. The only drawback is that its $95 annual fee is not waived the first year.


Ink Business Preferred℠credit card

Discover it® Miles Card
How to apply
To apply for this offer please contact
Chase Bank
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
16.99% to 21.99% Variable±
Annual Fee
$95
Rewards Program
Ultimate Rewards®
Bonuses & Rewards
  • 3x Points on Travel, Shipping, Internet, Cable and Phone services, and Advertising
  • 1x Points on Dining
  • 1x Points on Gas
  • 1x Points on All Other Purchases
  • 80,000 bonus points after you spend $5,000 in the first 3 months
  • Employee cards at no additional cost
  • No Foreign Transaction Fee
  • % 25% more in travel redemption
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It’s worth noting that Chase also issues United’s lineup of credit cards, including both business and personal versions of the MileagePlus Explorer and Club cards.

Citi

In order to get a second sign-up bonus for the same Citi-issued card, you have to cancel the card and wait 18 months before applying for it again. The catch is that you can’t open or close any Citibank credit card account that’s part of the same program during that time period.

That means you cannot get a new Citi ThankYou Prestige card if you’ve either received or canceled a ThankYou Premier or Preferred card during the previous 18 months. Thankfully, Citi considers the co-branded American Airlines cards it issues to be separate from its ThankYou cards, so you can get an AAdvantage and ThankYou card at the same time and receive both sign-up bonuses.

All of the co-branded Citi / AAdvantage cards come with sign-up bonuses. You’ll get 60,000 miles with the AAdvantage Platinum Select or  25,000 miles with the AAdvantage Gold.


Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®

Discover it® Miles Card
How to apply
To apply for this offer please contact
Citibank
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.24% to 25.24% Variable±
Annual Fee
$0 first year, then $95
Rewards Program
AAdvantage®
Bonuses & Rewards
  • 2x Miles on American Airlines Purchases
  • 1x Miles on Dining
  • 1x Miles on Gas
  • 1x Miles on All Other Purchases
  • 60,000 bonus miles after making $3,000 in purchases within the first 3 months
  • 10% of your redeemed AAdvantage® miles back
  • No Foreign Transaction Fee
  • % 25% savings on purchases on American Airlines flights
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Citi® / AAdvantage® Gold World Elite™ Mastercard®

Discover it® Miles Card
How to apply
To apply for this offer please contact
Citibank
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.24% to 25.24% Variable±
Annual Fee
$0 first year, then $50
Rewards Program
AAdvantage®
Bonuses & Rewards
  • 1x Miles on American Airlines Purchases
  • 1x Miles on Dining
  • 1x Miles on All Other Purchases
  • % 25% savings on purchases on American Airlines flights
  • 25,000 bonus miles after you spend $750 in the first 3 months
  • Use Reduced Mileage Awards and save up to 5,000 AAdvantage® miles
  • 3% of each foreign transaction in U.S. dollars
  • % $5 or 3% balance transfer fee
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At the moment, credit cards in the Citi ThankYou lineup group are not offering any sign-up bonuses.

The ThankYou Premier card and Citi Prestige card have come with a sign-up bonuses in the past, so if you’re interested in the ThankYou rewards program, it’s worth keeping an eye on that cards to see if bonus is offered again.

 

American Express

Of the three big reward card issuers, American Express has the most restrictive sign-up bonus policy. Amex used to allow you to earn a second bonus if you waited 12 months before reapplying, but now you can earn only one sign-up bonus for each personal card they offer.

However, you can get a sign-up bonus for both the personal and business version of the same card, and Amex also allows you to earn several bonuses with the same business card. You just have to wait a year before reapplying.

That means you can get the 75,000-point bonus for both the Premier Rewards Gold card and the Business Gold Rewards card. Then cancel your Business card and reapply 12 months later and get another 25,000 points. Of course you have to be a small business owner or independent contractor to qualify for that card.


Premier Rewards Gold Card from American Express

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How to apply
To apply for this offer please contact
American Express
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$0 first year, then $195
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 3x Points on Airfare
  • 2x Points on Dining, Hotels, Travel, Gas and Groceries
  • 1x Points on Car Rental
  • 1x Points on All Other Purchases
  • 25,000 bonus points after you spend $2,000 within the first 3 months.
  • No Foreign Transaction Fee
  • $ 100 airline fee credit
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Business Gold Rewards Card

Discover it® Miles Card
How to apply
To apply for this offer please contact
American Express
Read Review
INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$0 first year, then $175
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 3x Points on one of the following: Gas, Shipping, Advertising, Hardware and Software
  • 2x Points on the remaining four categories
  • 2x Points on Travel
  • 1x Points on All Other Purchases
  • 50,000 bonus points after you spend $5,000 in the first 3 months.
  • No Foreign Transaction Fee
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While both versions of the Amex Platinum card are worth considering, the personal Platinum Card currently comes with an impressive 60,000-point sign-up bonus if you can meet the $5,000 minimum spend. The Business Platinum Card  comes with the standard 50,000-point bonus and high minimum spent limit of $10,000. Both cards are packed with benefits and perks, like travel credits and lounge access, as well as a $550 annual fee for personal card and $450 annual fee for business version.


Platinum Card® from American Express

Discover it® Miles Card
How to apply
To apply for this offer please contact
American Express
Read Review
INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$550
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 5x Points on Airfare and Hotels
  • 2x Points on Travel
  • 1x Points on Gas
  • 1x Points on All Other Purchases
  • 60,000 bonus points after you spend $5,000 in the first 3 months.
  • $15 in Uber credits for U.S. rides each month plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • No Foreign Transaction Fee
  • $ 200 airline fee credit
Show More Details
Hide Details

Business Platinum Card®

Discover it® Miles Card
How to apply
To apply for this offer please contact
American Express
Read Review
INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$450
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 5x Points on Airfare and Hotels
  • 2x Points on Travel
  • 1.5 Points for single purchase of $5,000 or more
  • 1x Points on All Other Purchases
  • 50,000 bonus points after you spend $10,000 in the first 3 months
  • Extra 25,000 bonus points after you spend an additional $10,000 within your first 3 months
  • 20% Discount on Delta Commercial Flights
  • No Foreign Transaction Fee
  • $ 200 airline fee credit
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The EveryDay and EveryDay Preferred cards are both solid options too, even if they come with much smaller bonuses. You’ll get 10,000 points with the no-fee EveryDay card, and 15,000 points for the $95-a-year EveryDay Preferred. The Preferred card offers better bonus earning categories, giving you triple points for groceries and double points for gas.


Amex EveryDay® Credit Card

Discover it® Miles Card
How to apply
To apply for this offer please contact
American Express
Read Review
INTRO APR on Purchases
0% introductory APR for the first 12 months
INTRO apr on Balance Transfer
0% introductory APR for the first 12 months on balance transfers requested within 60 days of account opening
Regular APR
14.24% to 24.24% Variable±
Annual Fee
$0
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 2x Points at US Supermarkets
  • 1x Points on Dining
  • 1x Points on Gas
  • 1x Points on All Other Purchases
  • 10,000 bonus points after you spend $1,000 within the first 3 months
  • 20% more points after you use your Card 20 or more times on purchases in a billing period
  • 2.7% of each transaction in U.S. dollar
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Amex EveryDay® Preferred Credit Card

Discover it® Miles Card
How to apply
To apply for this offer please contact
American Express
Read Review
INTRO APR on Purchases
0% introductory APR for the first 12 months
INTRO apr on Balance Transfer
0% introductory APR for the first 12 months on balance transfers requested within 60 days of account opening
Regular APR
14.24% to 24.24% Variable±
Annual Fee
$95
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 3x Points at US Supermarkets
  • 2x Points on Gas and Travel
  • 1x Points on Dining
  • 1x Points on All Other Purchases
  • 15,000 bonus points after you spend $1,000 within the first 3 months
  • 50% more points after you use your Card 30 or more times on purchases in a billing period
  • 2.7% of each transaction in U.S. dollar
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There are six co-branded Delta cards issued by Amex: the Gold Delta SkyMiles, Platinum Delta SkyMiles and Delta Reserve, as well as the business versions of those three cards. The Gold and Platinum cards, which come with $95 and $195 annual fees, respectively, have 30,000- to 35,000-mile sign-up bonuses. The Reserve card, which includes Sky Club lounge access, has a smaller 10,000-mile bonus and a $450 price tag.

Other Issuers

Barclays, which issues the Barclaycard Arrival cards, lets you earn multiple bonuses for the same card. You must wait six months between applications, though.

Bank of America and Capital One also let you earn multiple bonuses per card. There’s no stated wait time for either issuer, but you should probably wait at least 30 days between applications to increase your chances of getting a card.

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Capital One offers several No Hassle cards that allow you to redeem miles toward statement credits for travel purchases. The Venture Rewards and the Spark Miles Business cards offer the biggest sign-up bonuses at 40,000 and 50,000 points, respectively.

Bank of America issues the Alaska Airlines Visa Signature card. While it comes with a solid 30,000-mile bonus, its most valuable benefit is the annual companion fare that allows you to take someone with you on a domestic round-trip flight operated by Alaska for only $99.

Is It Worth It?

Sign-up bonuses are the quickest and most lucrative way to earn miles and points. That’s why it’s worth learning the rules for the different issuers and churning those cards as much as possible. Getting more bonuses gets you free flights faster.

  • chicalei

    I’m not sure when you posted this, but I don’t think it’s accurate anymore. Most info now says that AmEx only allows one bonus per product per lifetime, even for business cards. Bummer.

    • RewardExpert

      You are right, AmEx does not allow an applicant to get a bonus offer if the applicant has or have had the card he or she is applying.

  • Rock

    Hello, does the renewal limitation apply only to the ‘main’ card user OR also the ‘authorized’ card user (the person who is added on to the ‘main’ users account)? That is, does it taint both users (main and authorized) to being able to obtain the bonus miles? One idea, would be to flip flop between cards, and the reapplication, where one is with say the husband as ‘main’ user, and the next time the wife is the ‘main’ user, and then the opposite spouse is the ‘authorized’ user. Thanks for your input.

    • RewardExpert

      Renewal limitation does not usually apply to authorized users, that only applies to primary cardholders. Authorized users are eligible to earn their own sign-up bonus.

  • RewardExpert

    Opening and closing bunches of credit cards can lower your credit score, so it is good to do credit gardening from time to time to keep your score up.

  • Jacko

    So, as I understand it, if I want to take advantage of Chase Sapphire sign-up bonus again, I must wait 24 months since I received the bonus, cancel the card, and then reapply. But, if I do that and cancel my card, will any available unused points that I have earned on that card until the date I cancel it be forfeited? Or will those points carry over to my new card account if I am approved for a new chase sapphire card? Thanks in advance.