Citi 1-in-95 business rule
Citi will not approve more than one business credit card in any rolling 95-day window. You may still get a personal card in between (after the 8-day gap), but a second business card must wait out the 95 days.
Unpublished rule: the issuer does not publish this rule. It is documented by at least two independent guides below — treat it as a reported pattern, not a guarantee.
Key takeaways
Citi will not approve more than one business credit card in any rolling 95-day window. You may still get a personal card in between (after the 8-day gap), but a second business card must wait out the 95 days.
Business owners applying for a second Citi business card within about three months.
Who it applies to
Business owners applying for a second Citi business card within about three months.
How to count
- List your Citi business card approvals in the past 95 days.
- Personal approvals do not count toward the 95-day business clock, but 1/8 and 2/65 still apply to them.
- A second business approval needs 95 days from the first business approval.
Calculator (estimate)
Add your approval dates below. The calculator counts how many fall inside the window and shows the earliest date a new slot opens.
This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply.FAQ
Can I get a personal Citi card while waiting out the 95 days?
Yes, subject to 1/8 and 2/65: the 95-day clock restricts business cards only.
Does the 95-day rule apply to the first business card?
No. It limits a second business approval within 95 days of the first; the first itself is governed by 1/8 and 2/65.
Sources
- Points Navigator — Citi 1/8 rule (covers 1/95)
- Military Money Manual — Application rules 2026 (Citi 1/95)
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