The wiki could really use some cleaning up these days. Whoever edited it in an attempt to include the 48-month rule has put in conflicting info about whether the 48 months applies to any card open/close (see, e.g., the very top of the wiki) or, as I understand to be the case, the date of last bonus.

(And to anticipate one possible response: nope, I'm not taking on that task. I spent plenty of time over the years maintaining wikis, including this one; with rare exceptions, I'm done, for reasons the FT rules prohibit me from stating publicly.)