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.

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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℠
Chase Sapphire Reserve℠
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Earn 50,000 points after spending $4,000 within 3 months

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
Chase Sapphire Preferred® Card
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Earn 50,000 points after spending $4,000 within 3 months

Small business owners and independent contractors qualify to get the Chase Ink Plus Business 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 Plus® Business Credit Card
Ink Plus® Business Credit Card
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Earn 60,000 points after spending $5,000 within 3 months

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.

Citi Prestige® Card
Citi Prestige® Card
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Earn 40,000 bonus points after making $4,000 in purchases within the first 3 months of account opening.
With Citi Prestige®, you'll earn 3x points on Air Travel and Hotels, 2x points on Dining at Restaurants and Entertainment and 1 ThankYou® Point per $1 spent on other purchases.
Your points are worth 33% more on flights compared to non-air travel when booked through the Citi ThankYou® Travel Center.

At the moment, the only card in the Citi ThankYou lineup offering a sign-up bonus is the premium ThankYou Prestige. For the card’s $450 annual fee, you’ll get a 40,000-point bonus, a $250 air travel credit and airport lounge access. You’ll also get triple points for airfare and hotels, and double points for dining and entertainment.

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

All of the co-branded Citi / AAdvantage cards come with sign-up bonuses. You’ll get 50,000 miles with the premium AAdvantage Executive World Elite card, 30,000 miles with the AAdvantage Platinum Select and 25,000 miles with the AAdvantage Gold.

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 25,000-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.

Bonus
Must Spend
Annual Fee
American Express® Gold Card
American Express® Gold Card
American Express® Gold Card
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Bonus
0
points
Must Spend
$0
Annual Fee
$0 intro annual fee for the first year of Card Membership, then $160.
Business Gold Rewards Card
Business Gold Rewards Card
Business Gold Rewards Card
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Bonus
50,000
points
Must Spend
$5,000
Annual Fee
$0 introductory annual fee for the first year, then $175.

While both versions of the Amex Platinum card are worth considering, the Business Platinum currently comes with an impressive 100,000-point sign-up bonus if you can meet the $15,000 minimum spend. The personal version comes with the standard 40,000-point bonus. Both cards are packed with benefits and perks, like travel credits and lounge access, as well as a $450 annual fee.

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.

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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Learn more about the amount of bonuses from major banks

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.