2025.7 Replace: It appears ranging from 2019, Citigold added a $200 Subscription Rebate profit: earn up $200 in assertion credit for subscriptions made with: Amazon Prime, Costco, Audible, Hulu, Spotify, TSA PreCheck, International Entry.
2024.10 Replace: The brand new supply is $1,500 with $200k deposit requirement.
2024.1 Replace: The brand new bonus is $1,500/$2,500 with deposit requirement $200k/$300k. The bonus supply appears good, however requiring $200,000 within the checking account (not together with financial savings or brokerage account!) is insane in my view. These days a easy financial savings account may give you 5%+ APY, so this bonus is totally not price it.
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Advantages
- $1,500 sign-up bonus! Please learn under for the necessities to get this bonus.
- No month-to-month charge. However As a way to be eligible, you will need to preserve $200,000 in mixed common month-to-month steadiness in all eligible deposit, retirement, and funding accounts.
- [New] $200 Subscription Rebate: earn up $200 in assertion credit for subscriptions made with: Amazon Prime, Costco, Audible, Hulu, Spotify, TSA PreCheck, International Entry.
- Discounted annual charges for some premium bank cards from Citi. The decreased annual charges stay even for those who shut your Citigold account thereafter.
- Free entry to non-Citi ATM.
- $0 Early Termination Payment. So you may shut your account at any time, or you may downgrade it to the fundamental model checking account.
Bonus Necessities
- This bonus is just obtainable for brand spanking new purchasers. Those that at the moment have a Citi checking or financial savings account, or have closed an account inside 180 days should not eligible for this supply. These with a Citi bank card should not exempt from these guidelines.
- Deposit New-to-Citibank Funds into your new checking account inside 20 days of account opening. Keep the required minimal steadiness in your eligible account for an extra 60 days from the twenty first day. See the next desk for the relation of bonus and quantity of deposit:
Deposit Quantity Bonus $30,000 $500 $200,000 $1,500 - Word: solely the common financial savings account counts, the brand new product “Citi Speed up Financial savings” with greater rate of interest doesn’t depend.
Totally different Citi Checking Accounts
Right here is a comparability and distinction on the official web site.
Abstract
Citigold was once obtainable to everybody so long as you’re keen to pay the month-to-month charge. Nevertheless, after Nov. 2016, Citigold requires a steadiness of no less than $200,000 to keep up the account. Now solely wealthy folks can contemplate this account. The $1,500 bonus supply appears good, however requiring $200,000 within the checking account (not together with financial savings or brokerage account!) is insane in my view. The equal APY is about 4.5%+ if the fund is within the account for precisely 60 days, and decrease if the funds is caught there for longer. These days a easy financial savings account may give you 5%+ APY, so this bonus is totally not price it.
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