Citi 2/65

Understanding the Citi 2/65 rule:

Apply for a third Citi card within 65 days, and you'll be declined. With Citi's other rules (and limited points cards) it's not likely you'd be chasing a third Citi card in any 65-day period. But as long as you keep your card history up to date, we'll keep track for you.

Important to know:

You can get both business and personal cards when it comes to this rule, but you’re only allowed one business card. That’s because there is another rule - the Citi 1/95 rule - that states you are only allowed one business card in a 95 day period. So if you do want a third Citi card after 65 days have passed, it will have to be either three personal cards or two personal cards and one business card. You can only get a second business card after 95 days.

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.