{"id":13115,"date":"2026-01-13T04:00:00","date_gmt":"2026-01-13T11:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=13115"},"modified":"2026-01-13T08:37:15","modified_gmt":"2026-01-13T15:37:15","slug":"tuesday-thought-the-bad-idea-thats-great-to-know-citi-quad-dip","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2026\/01\/13\/tuesday-thought-the-bad-idea-thats-great-to-know-citi-quad-dip\/","title":{"rendered":"Tuesday Thought: The Bad Idea that&#8217;s Great to Know: Citi Quad Dip"},"content":{"rendered":"\n<p>We talked way back <a href=\"https:\/\/milesearnandburn.com\/index.php\/2021\/07\/09\/weekend-citi-card-hacks\/\">in 2021 about loosey goosey language in Citi&#8217;s Terms and Conditions that let you double dip sign-up bonuses<\/a> on some cards. A lot of things have changed since 2021 (duh), and Citi games have changed slightly too. Let&#8217;s pick a particular card, like the stupidly named Citi AAdvantage Globe Mastercard, and dive into its <a href=\"https:\/\/creditcards.aa.com\/credit-cards\/globe_standard\/\">Terms and Conditions<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>&#8220;bonus miles are not available if you have received a new account bonus from a [Citi AA Globe card] in the past 48 months&#8221;<\/em><\/li>\n\n\n\n<li><em>&#8220;bonus miles are not available &#8230; if you converted another Citi credit card account on which you earned a bonus in the last 48 months into a [Citi AA Globe card]&#8221;<\/em><\/li>\n<\/ul>\n\n\n\n<p>So, you can&#8217;t get a bonus if you had one in the past four years from the same card, effectively. With that in mind, let&#8217;s go over a couple of Citi&#8217;s application rules:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Must wait eight days between applications<\/li>\n\n\n\n<li>No more than two cards every 65 days.<\/li>\n\n\n\n<li>Bonus eligibility is attached <em>at the time of application<\/em><\/li>\n<\/ul>\n\n\n\n<p>With a card like the Globe, you&#8217;ve got four months to hit the spend bonus, which gives you time for apply for four cards within the first card&#8217;s bonus window. Specifically, you could apply on day 0, day 8, day 65, and day 74, and you&#8217;d still meet Citi&#8217;s application rules and have another 56 days before the bonus period on the first card is up. Once you&#8217;ve been approved for all the cards, which frankly is unlikely in-and-of-itself, you can hit the bonus spend on all four, and get the bonus four times. Wowza.<\/p>\n\n\n\n<p>Now let&#8217;s talk about reality. Should you do this? Almost certainly not, because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AA  bans users with too many bonuses in a year, and this will probably trigger it<\/li>\n\n\n\n<li>You&#8217;d have four new Citi accounts on your credit report in a couple of months<\/li>\n\n\n\n<li>Citi fraud analysts won&#8217;t like what they see if they look<\/li>\n\n\n\n<li>Other banks won&#8217;t like what they see if they look<\/li>\n\n\n\n<li>A single Globe card is generally a bad option, four of them is four times as many bad options<\/li>\n<\/ul>\n\n\n\n<p>Ok, so the concept is cool in theory and bad in practice, why talk about it? Citi isn&#8217;t the only bank out there, and you may find that your local LardLand Credit Union in Lubbock, TX has credit card bonuses that work the same way, but don&#8217;t necessarily report to the credit bureaus. Now you&#8217;re in business.<\/p>\n\n\n\n<p>Happy Tuesday!<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2026\/01\/this-mcdonalds-is-selling-200-piece-nuggets-for-79-95-v0-sfyfmy5yhycg1.jpeg-1024x768.webp\" alt=\"\" class=\"wp-image-13118\" style=\"width:420px\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2026\/01\/this-mcdonalds-is-selling-200-piece-nuggets-for-79-95-v0-sfyfmy5yhycg1.jpeg-1024x768.webp 1024w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2026\/01\/this-mcdonalds-is-selling-200-piece-nuggets-for-79-95-v0-sfyfmy5yhycg1.jpeg-300x225.webp 300w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2026\/01\/this-mcdonalds-is-selling-200-piece-nuggets-for-79-95-v0-sfyfmy5yhycg1.jpeg-768x576.webp 768w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2026\/01\/this-mcdonalds-is-selling-200-piece-nuggets-for-79-95-v0-sfyfmy5yhycg1.jpeg-800x600.webp 800w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2026\/01\/this-mcdonalds-is-selling-200-piece-nuggets-for-79-95-v0-sfyfmy5yhycg1.jpeg.webp 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\" style=\"font-size:14px\">More bad ideas in scale.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We talked way back in 2021 about loosey goosey language in Citi&#8217;s Terms and Conditions that let you double dip sign-up bonuses on some cards.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[54,62,56],"tags":[],"class_list":["post-13115","post","type-post","status-publish","format-standard","hentry","category-credit-cards","category-shenanigans","category-wisdom"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/13115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=13115"}],"version-history":[{"count":3,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/13115\/revisions"}],"predecessor-version":[{"id":13120,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/13115\/revisions\/13120"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=13115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=13115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=13115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}