2025.4 Replace: The applying hyperlink exhibits “web page not discovered”. It appears this card is discontinued. The prevailing card holders ought to be capable to take pleasure in the advantages, at the very least for now.
2024.1 Replace: The 25k provide is expired. The present provide is 20k.
2023.4 Replace: 25k provide is again! That is the very best ever provide of this card.
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Advantages
- 20k provide: earn 20,000 ThankYou Factors after spending $1,500 in first 3 months. The current greatest provide is 25k.
- We estimate that ThankYou Factors (TYP) are value about 1.6 cents/level, see beneath for a quick introduction. So the 20k sign-up bonus is value about $320.
- Earn 2x ThankYou Factors per $1 spent on eating and fuel (for the primary $6,000 spending on bonus classes), 1 ThankYou Level per $1 spent on different purchases.
- Rounding up: your earnings on all purchases are rounded as much as the closest 10 factors. For instance, if you happen to earn 4 TYP for a purchase order, you’ll really earn 10 TYP. With no cap!
- 10% Factors Again for the primary 100,000 ThankYou Factors you redeem per yr.
Notice which you can not use this card to switch TYP to airline miles although, so I wager this profit will not be helpful for most individuals.The ten% factors again profit works once you redeem TYP (together with transferring to airline miles) from different bank cards as nicely! So long as you mix the TYP accounts from all of your TYP associated bank cards (you could have to name for this). - No annual payment.
Disadvantages
- It has international transaction payment, so it isn’t a good selection exterior the US.
Due to Citi’s 1/24 rule, if you happen to apply for this card, you’ll lose the possibility to get the sign-up bonus for Citi Status or Citi Premier within the subsequent 24 months! In addition to, if you happen to convert a non-TYP card (e.g. Citi AA card) to a TYP card, this motion will even reset the 24 month clock and have an effect on the bonus eligibility!Seems like Citi has eliminated this rule.
Introduction to TYP
- You may earn TYP with Citi Premier, Citi Rewards+, Citi Customized Money, Citi Double Money, and so forth.
- You may add all these playing cards into the identical thankyou.com account, and factors which might be about to run out can be redeemed first within the order during which they expire mechanically.
- Most often, TYP by no means expire. However closing account, product change, or receiving factors from different folks might trigger TYP on that account to run out.
- You probably have Citi Status or Citi Premier, TYP might be transferred to some airline miles. One of the best ways to make use of TYP is to 1:1 switch them to Asia Miles (Oneworld) or Avianca (AV) miles (Star Alliance). Different good choices are: Singapore Airways (SQ) (Star Alliance), Flying Blue (SkyTeam), Virgin Atlantic (VS) (Non-alliance), and so forth. In case you use TYP on this means, the worth is about 1.6 cents/level.
- You probably have Citi Status, you possibly can redeem your TYP at a set charge 1.25 cents/level in direction of air tickets on thankyou.com. It is a frequent means to make use of TYP. Factors+money is on the market when redeeming for air tickets, so no want to fret if you happen to should not have sufficient TYP.
- You probably have Citi Status or Citi Premier or Citi Customized Money or Citi Double Money, you possibly can redeem your TYP at a set charge 1 cents/level in direction of money.
- You probably have Citi Rewards+, you will get 10% again when redeeming TYP, as much as 100k TYP per yr. This function additional boosts the worth of TYP.
- In abstract, we estimate that TYP are value about 1.6 cents/level.
- For extra details about TYP, see Maximize the Credit score Card Factors Values (overview), and Introduction to TYP: Find out how to Earn & Introduction to TYP: Find out how to Use (very detailed).
Really helpful Utility Time
[1/24 Rule] Bonus ThankYou Factors should not out there if you happen to obtained a brand new cardmember bonus for Citi Rewards+, Citi ThankYou Most popular, Citi Premier or Citi Status, or when you’ve got closed any of those playing cards, previously 24 months. Product change is handled as account closure if the account quantity is modified.- You’ll not obtain the bonus when you’ve got obtained a bonus provide for opening Citi Rewards+ card previously 48 months.
- [8/65 Rule] You may apply for at most 1 Citi playing cards each 8 days, and at most 2 Citi playing cards each 65 days, regardless of permitted or not.
- Citi values the variety of current arduous pulls so much, we suggest you apply when there’s lower than 6 arduous pulls previously 6 months.
- This is among the most best Citi card to get, however we nonetheless suggest you apply for this card after you will have a credit score historical past of at the very least half a yr.
Abstract
The rounding up is limitless, which is sort of shocking. If too many individuals abuse it, I consider Citi will revamp this card quickly.
Additionally, this card has a 10% Factors Again profit: for the primary 100,000 ThankYou Factors you redeem per yr. Knowledge factors present that, the ten% factors again profit works once you redeem TYP (together with transferring to airline miles) from different bank cards as nicely! So long as you mix the TYP accounts from all of your TYP associated bank cards (you could have to name for this). This makes this card extra useful: if you have already got plans to redeem TYP, then merely maintaining this card means Citi gives you further TYP totally free, as much as 10k TYP per yr.
Typically, this card is an excellent downgrade possibility for TYP collection bank cards.
Associated Credit score Playing cards
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