Which Cards Let You Earn the Welcome Bonus Again?
This guide explains which issuers let you re-earn a bonus and how to check.
Issuers that let you re-earn
Several issuers allow a repeat bonus after a waiting period. Many Chase cards let you earn the bonus again if it has been at least 24 months since you last received one on that specific card, and Citi commonly uses a window of around 24 to 48 months from your last bonus or account closure on the card family. So with these, a card you had years ago can be a fresh bonus opportunity, subject to their other rules like 5/24.
Where it is once per lifetime
American Express is the notable holdout: its cards generally give the welcome bonus once per lifetime per card product, and Amex often shows a pop-up warning before you apply if you are not eligible for the bonus. So an Amex card you have held before usually will not pay a second bonus, which shapes the order people apply in.
How to check before applying
Because the rules differ by issuer and change over time, read the specific offer’s terms, which state the eligibility, and note any language about how recently you held or were bonused on the card. Protecting and timing these correctly is covered in protect your welcome bonus, and pacing applications across issuers is in how many bonuses you can earn in a year.
- Re-earning a bonus depends on the issuer and card.
- Many Chase and Citi cards allow it after 24 to 48 months.
- American Express is generally once per lifetime per card.
- Amex may warn you before you apply if you are ineligible.
- The offer’s fine print states the exact rule.
Frequently asked questions
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