Churn cycles by issuer — timing table
rules · 3 min read
General windows
| Issuer | Personal | Business | Notes |
|---|---|---|---|
| Chase | 48 months | 24 months | From bonus earn date, not application |
| Amex | Lifetime | Lifetime | Once per lifetime, NLL exceptions possible |
| Citi | 48 months | 48 months | Resets 48 months after bonus earn |
| Capital One | 48 months | 48 months | Informal — varies |
| Barclays | 24 months | 24 months | Must close card first |
| Bank of America | 24 months | 24 months | Often lenient |
| US Bank | 24 months | 24 months | Less documented |
The 48-month Chase trap
Chase measures the 48 months from bonus earn not application. If you got the SUB 48 months ago yesterday, you're eligible now. Set a calendar reminder.