2025.4 Replace: The applying hyperlink exhibits “web page not discovered”. It appears this card is discontinued. The present card holders ought to be capable of get pleasure from the advantages, not less than 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 perfect 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 finest provide is 25k.
- We estimate that ThankYou Factors (TYP) are value about 1.6 cents/level, see beneath for a short introduction. So the 20k sign-up bonus is value about $320.
- Earn 2x ThankYou Factors per $1 spent on eating and gasoline (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, for those who earn 4 TYP for a purchase order, you’ll truly earn 10 TYP. With no cap!
- 10% Factors Again for the primary 100,000 ThankYou Factors you redeem per 12 months.
Be aware which you can not use this card to switch TYP to airline miles although, so I guess this profit will not be helpful for most individuals.The ten% factors again profit works while 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 (it’s possible you’ll must name for this). - No annual charge.
Disadvantages
- It has overseas transaction charge, so it is not a good selection outdoors the US.
Due to Citi’s 1/24 rule, for those who 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, for those who convert a non-TYP card (e.g. Citi AA card) to a TYP card, this motion can even reset the 24 month clock and have an effect on the bonus eligibility!Seems to be like Citi has eliminated this rule.
Introduction to TYP
- You possibly can earn TYP with Citi Premier, Citi Rewards+, Citi Customized Money, Citi Double Money, and many others.
- You possibly can add all these playing cards into the identical thankyou.com account, and factors which can be about to run out shall be redeemed first within the order wherein they expire mechanically.
- Normally, TYP by no means expire. However closing account, product change, or receiving factors from different individuals could trigger TYP on that account to run out.
- If in case you have Citi Status or Citi Premier, TYP will be transferred to some airline miles. One of the simplest 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 many others. When you use TYP on this means, the worth is about 1.6 cents/level.
- If in case you have Citi Status, you may redeem your TYP at a set price 1.25 cents/level in the direction of air tickets on thankyou.com. It is a widespread means to make use of TYP. Factors+money is obtainable when redeeming for air tickets, so no want to fret for those who would not have sufficient TYP.
- If in case you have Citi Status or Citi Premier or Citi Customized Money or Citi Double Money, you may redeem your TYP at a set price 1 cents/level in the direction of money.
- If in case you have Citi Rewards+, you may get 10% again when redeeming TYP, as much as 100k TYP per 12 months. 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: The way to Earn & Introduction to TYP: The way to Use (very detailed).
Really helpful Software Time
[1/24 Rule] Bonus ThankYou Factors aren’t out there for those who obtained a brand new cardmember bonus for Citi Rewards+, Citi ThankYou Most popular, Citi Premier or Citi Status, or when you have 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 have obtained a bonus provide for opening Citi Rewards+ card previously 48 months.
- [8/65 Rule] You possibly can apply for at most 1 Citi playing cards each 8 days, and at most 2 Citi playing cards each 65 days, irrespective of accredited or not.
- Citi values the variety of current laborious pulls so much, we advocate you apply when there’s lower than 6 laborious pulls previously 6 months.
- This is among the most best Citi card to get, however we nonetheless advocate you apply for this card after you’ve got a credit score historical past of not less than half a 12 months.
Abstract
The rounding up is limitless, which is sort of stunning. 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 12 months. Knowledge factors present that, the ten% factors again profit works while 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 (it’s possible you’ll must name for this). This makes this card extra invaluable: if you have already got plans to redeem TYP, then merely conserving this card means Citi offers you further TYP at no cost, as much as 10k TYP per 12 months.
Generally, this card is an excellent downgrade possibility for TYP collection bank cards.
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