You can have as many Citi cards as you want, as long as your credit and income are good enough to get approved for each. And considering how many good Citi cards there are, for a range of different needs, it’s no wonder people would want more than one. For example, you could use Citi ThankYou Premier to save on travel, Citi Diamond Preferred for 0% purchases and Citi Double Cash for everyday cash back. But you should be smart about your applications. You don’t want to bite off more than you can chew and begin missing payments. That would be very bad for your credit score. Even just having a lot of hard inquiries on your credit report in a short time will hurt your credit. And you don’t want to get rejected either.
Here’s how many Citi credit cards you can have:
You can have an unlimited number of Citi cards, as long as you’re approved for each one.
You’re allowed to have more than one of any Citi card.
Rumor has it you need to wait at least 8 days between applications for any two Citi credit cards in order to be approved for the second. And you supposedly have to wait at least another 66 days before applying for a third. But Citi Customer Service says they have no information on such a rule.
Each additional Citi card you apply for will become slightly harder to get, as your income will need to support more potential spending. Having lots of income and excellent credit will help your odds.
If you want to get as many Citi cards as possible, your best bet is to apply for one a year. A hard inquiry from a credit card application only can hurt your credit for 12 months.
If you’re not approved for a card, that’s not necessarily the end of the line for you. There’s something called “reconsideration,” where you call customer service and ask them to take a second look at your application. If you have a bunch of Citi cards already, Citi might be willing to reduce the credit on some of them and give it back to you on a new card.
Citi doesn't limit the number of cards you can have. However, it does place an overall credit limit across all your Citi credit cards, and that is based on your creditworthiness.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.