Citi 1/95

Understanding the Citi 1/95 rule:

Citi will decline your application if you apply for a second Citi business card within 95 days. If you're a business with a sizable spend, you should limit yourself to applying for 1 Citi business card in a 95-day period. Keep your card history up to date, and we'll warn you if you try to apply for a second card in this time period.

There are only two business cards offered by Citi, so this rule shouldn’t be a hard one to follow. One of the business cards offered is the Costco Anywhere Visa Business card, which is not one we’d ever recommend getting. It’s near the very bottom of our rankings.

About Approval Rules

Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards.  So here’s what you need to know:

• Approval rules are rarely fully publicized by the banks
• We use our own research and data points from other users in creating the rules listing
• Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
• There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.