Each credit card issuer has its own set of restrictions it uses to guide approvals and determine welcome offer eligibility. Criteria include the number of cards you can apply for, the timing of your applications and how often you can earn a welcome bonus on the same card.
With American Airlines offering substantial welcome offers on its lineup of cards, those of you who have had one of its cards in the past may be wondering whether you’re eligible for a second bonus.
Citi now issues all AAdvantage credit cards open to new applicants, since Barclays is no longer a card partner. With Citi, there are multiple application restrictions to be aware of if you’re considering adding another American Airlines card to your arsenal. Here’s what you need to keep in mind.
AAdvantage credit cards
Let’s start with the lineup of card options.
| Credit card | Welcome bonus | Annual fee | Welcome bonus value (based on TPG’s November 2025 valuations) |
|---|---|---|---|
| American Airlines AAdvantage® MileUp® Card*
|
Earn 15,000 bonus miles after spending $500 on purchases within the first three months from account opening. | $0 | $248 |
| Citi® / AAdvantage® Platinum Select® World Elite Mastercard®* | Earn 50,000 bonus miles after spending $2,500 on purchases within the first three months from account opening. | $99 ($0 introductory annual fee for the first year) | $825 |
| Citi® / AAdvantage Business™ World Elite Mastercard® (see rates and fees) | For a limited time, earn 75,000 bonus miles after spending $5,000 on purchases within the first five months from account opening. | $99 ($0 introductory annual fee for the first year) | $1,238
|
| Citi® / AAdvantage® Globe™ Mastercard® (see rates and fees) | For a limited time, earn 90,000 bonus miles after spending $5,000 on purchases within the first four months from account opening. | $350 | $1,485 |
| Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees) | Earn 70,000 bonus miles after spending $7,000 on purchases within the first three months from account opening. | $595 | $1,155 |
*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Citi AAdvantage card application restrictions
If you’ve earned an AAdvantage welcome bonus on a specific Citi / AAdvantage card, you won’t be eligible to earn the bonus again for another 48 months.
Here is the fine print under the “offer availability” section in the terms for the Citi / AAdvantage Executive Mastercard:
American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a Citi® / AAdvantage® Executive account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi® / AAdvantage® Executive account.
The terms apply to each individual card, as opposed to the entire Citi / AAdvantage card family. For example, if you recently applied for the Citi Platinum Select, you do not need to wait 48 months to apply for a Citi Executive Mastercard to receive that card’s welcome bonus.
Reward your inbox with the TPG Daily newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts
The only exception is if you product-change your card to another AAdvantage card after earning the welcome bonus. For example, if you changed your Platinum Select to a Citi Executive Mastercard, you’d still need to wait 48 months from when you earned your welcome bonus on the Platinum Select to earn one on the Executive.
An important distinction is that the 48-month waiting period starts when you “receive a new account bonus” for a specific Citi / AAdvantage card. That is not the same as when you were “approved for the card,” “received the card,” “activated the card,” and other common phrases you might see from an issuer.
In this case, semantics matter because the bonus posted to your AAdvantage account may have been posted several months after you were approved for the card itself.
Related: Best card for American Airlines flyers
Bottom line
Citi has rules regarding application approvals and welcome bonus eligibility for its AAdvantage credit cards.
While Citi is less vague with restrictions than some issuers, it does impose a lengthy waiting period of at least 48 months before you can receive another welcome bonus on the same card.
In any case, if you’re approved and eligible for a welcome bonus, make sure you can complete the minimum spending requirements within the period allotted. Welcome bonuses can make the difference between taking your dream trip or being stuck at home, so it’s important to earn them when you can.
Related: How to redeem miles with the American Airlines AAdvantage program
Stacie Harris is a local resident and reporter of the Maple Grove area. Stacie reports on medicine and science for the Maple Grove Report.
