I know I am probably being overly cautious, but I've got this new card at the brink - 2983-something via 2 gc.com orders. Once they post I'll add $20 to my amazon account and wait for points. Question: I checked. I acquired the fee-free Hilton AMEX for my wife directly some years back for 75k points. It has since been closed. But she's never had the Surpass card. She's free to get the bonus on that as a new account, right? My memory says yes, but Citi's change in policies is interfering with these thoughts.