Issuer Waiting Periods

Credit card issuers typically enforce waiting periods between signup bonuses. This table shows the standard waiting period in months for each issuer.

For example, if you've received a signup bonus from an American Express card, you may need to wait a specific period before being eligible for another bonus from the same issuer.

IssuerWaiting Period (Months)
American Express18
BOQ12
Citi12
Commbank24
HSBC18
NAB24
Qantas Premier12
St.George24
Suncorp12
Westpac24
Bank of Melbourne24
Virgin Money12
Coles12
Bankwest24
ANZ24
MyCard0
Macquarie12
ING12
MONEYME12
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