How to Get the Same Sign-Up Bonus Twice

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credit card sign up bonus

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®

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.49% to 24.49% Variable±
Annual Fee
$450
Rewards Program
Ultimate Rewards®
Bonuses & Rewards
  • 3x Points on Travel and Dining
  • 1x Points on All Other Purchases
  • $ $300 Annual Travel Credit
  • 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
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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

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.49% to 24.49% Variable±
Annual Fee
$0 first year, then $95
Rewards Program
Ultimate Rewards®
Bonuses & Rewards
  • 2x Points on Airfare, Hotels and Dining
  • 1x Points on All Other Purchases
  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
  • Plus earn an additional 30,000 bonus points after you spend $30,000 on purchases within your first year of account opening
  • Refer a friend and receive 10,000 points/miles if they become a cardholder
  • No Foreign Transaction Fee
  • % 25% bonus for points redeemed for travel through Chase Ultimate Rewards
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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

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.49% to 22.49% 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 70,000 miles with the AAdvantage Platinum Select or  25,000 miles with the AAdvantage Gold.

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

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.49% to 25.49% Variable±
Annual Fee
$0 first year, then $99
Rewards Program
AAdvantage®
Bonuses & Rewards
  • 2x Miles on American Airlines Purchases, Dining and Gas
  • 1x Miles on All Other Purchases
  • 60,000 bonus miles after making $3,000 in purchases within the first 3 months
  • Earn a $100 American Airlines flight discount after spending $20,000 in a year and renewing your card
  • No Foreign Transaction Fee
  • % 25% savings on purchases on American Airlines flights
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Citi® / AAdvantage® Gold World Elite™ Mastercard®

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.49% to 25.49% 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
  • 25,000 bonus miles after you spend $750 in the first 3 months
  • Use Reduced Mileage Awards and save up to 5,000 AAdvantage® miles
  • 25% savings on purchases on American Airlines flights
  • 3% foreign transaction 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.

American Express® Premier Rewards Gold Card

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 All Other Purchases
  • 25,000 bonus points after you spend $2,000 within the first 3 months
  • $100 airline fee credit
  • No Foreign Transaction Fee
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Business Gold Rewards Card

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: Airfare, Gas, Shipping, Advertising or Computer Hardware and Software
  • 2x Points on the remaining four categories
  • 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.

American Express® Platinum Card®

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
  • 1x Points on All Other Purchases
  • + Complimentary access to Centurion Lounges, Delta Sky Clubs and Priority Pass Select lounges
  • + Gold elite status with Starwood Preferred Guest and Hilton Honors
  • 60,000 bonus points after you spend $5,000 in the first 3 months
  • $200 airline fee credit
  • $200 in annual Uber credits
  • $100 credit for Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
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American Express Business Platinum Card®

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
  • 1.5 Points for single purchase of $5,000 or more
  • 1x Points on All Other Purchases
  • Up to 100,000 bonus points (50,000 after spending $10,000, plus 50,000 more if you spend another $15,000 within 3 months)
  • 20% Discount on Delta сommercial flights
  • $200 airline fee credit
  • $100 credit for Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
  • % Get 35% of your points back when you redeem with your preferred carrier or for any business or first class seats
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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

INTRO APR on Purchases
0% introductory APR for the first 15 months
INTRO apr on Balance Transfer
0% introductory APR for the first 15 months on balance transfers requested within 60 days of account opening
Regular APR
14.49% to 25.49% Variable±
Annual Fee
$0
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 2x Points at 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 if you use your card 20 or more times in a billing period
  • 2.7% of each transaction in U.S. dollar
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Amex EveryDay® Preferred Credit Card

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
14.49% to 24.49% 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% foreign transaction fee
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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.

Another travel credit cards

There some another travel credit cards that you may check:

Apply for a Travel Credit Card from Our Partner

INTRO APR on Purchases
0% (up to 14 months)
INTRO apr on Balance Transfer
0% (up to 14 months)
Regular APR
See Site
Annual Fee
$0
Bonuses & Rewards
  • April 2018: Best Travel Rewards and Air Miles Credit Cards
  • Clicking "Apply Now" will take you to the Credit-Land.com website to view card offers
  • Fly on Any Airline, Anytime
  • Offers Available for Excellent and Good Credit
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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.

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.

READ MORE

Alaska Airlines Credit Cards – How to Get 95K Bonus Miles 

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.