2026.5 Replace: This card is now discontinued. Current card members can get pleasure from the advantages as earlier than. No one is aware of but if/when they’ll do an computerized conversion to a different card.
2022.1 Replace: The 30k hyperlink is expired. The present supply is 20k.
2021.11 Replace: There’s a 30k direct hyperlink now (it appears to be a hyperlink from CreditKarma, and we now have no relationship with them).
Utility Hyperlink
Advantages
- 20k supply: earn 20,000 ThankYou Factors after spending $1,500 in first 3 months. The latest greatest supply is 30k.
- We estimate that ThankYou Factors (TYP) are value about 1.6 cents/level, see beneath for a short introduction. So the 30k highest sign-up bonus is value about $480.
- Earn 5x TYP on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent; 1x TYP thereafter. Additionally, earn limitless 1x TYP on all different purchases.
- 5x eligible classes: Eating places, fuel stations, grocery shops, choose journey, choose transit, choose streaming companies, drugstores, residence enchancment shops, health golf equipment, reside leisure.
- No annual charge.
Disadvantages
- It has international transaction charge, so it isn’t a sensible choice exterior the US.
- The higher restrict for 5x return ($500 in spending) is sort of low.
- You possibly can solely have one Citi Customized Money card.
Introduction to TYP
- You possibly can earn TYP with Citi Strata Elite, Citi Strata Premier, Citi Strata, Citi Customized Money, Citi Double Money, and so on.
- You possibly can add all these playing cards into the identical thankyou.com account, and factors which might be about to run out will probably be redeemed first within the order during which they expire robotically.
- Normally, TYP by no means expire. However closing account, product change, or receiving factors from different individuals might trigger TYP on that account to run out.
- When you have Citi Strata Premier or Citi Strata Elite or Citi Status (Discontinued), 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 American Airways miles (Oneworld) or EVA Air (BR) miles (Star Alliance). Different good choices are: Cathay Pacific (CX) miles (Oneworld), Avianca (AV) miles (Star Alliance), Singapore Airways (SQ) miles (Star Alliance), Flying Blue miles (SkyTeam), Virgin Atlantic (VS) miles (Non-alliance), and so on. For those who use TYP on this means, the worth is about 1.6 cents/level.
- You possibly can redeem your TYP at a set charge 1 cent/level in the direction of money.
- When you have Citi Status (Discontinued), you possibly can redeem your TYP at a set charge 1.25 cents/level in the direction of air tickets on thankyou.com. This can be a frequent means to make use of TYP. Factors+money is offered when redeeming for air tickets, so no want to fret in case you do not need sufficient TYP.
When you have Citi Rewards+ (Discontinued), you may get 10% again when redeeming TYP, as much as 100k TYP per 12 months. This characteristic additional boosts the worth of TYP.[Expired]- 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
- Bonus isn’t accessible in case you obtained one for opening a brand new Citi Customized Money℠ Card account prior to now 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 authorised or not.
- Citi values the variety of latest onerous pulls lots, we advocate you apply when there’s lower than 6 onerous pulls prior to now 6 months.
- This is without doubt one of the best Citi card to get, however we nonetheless advocate you apply for this card after you may have a credit score historical past of not less than half a 12 months.
Abstract
This card is attention-grabbing, you possibly can earn 5x TYP on high spending class robotically, as much as $500 in spending per 30 days. This card is a competitor of 5% cashback playing cards equivalent to Chase Free Flex and Uncover it. It’s a sensible choice for the classes which you don’t have 5% cashback card for. The 5x classes have to be within the listing of eligible classes, which is a limitation. The higher restrict is sort of low, however $500 per 30 days is definitely much like the business normal $1,500 per quarter. This card is an effective card to have for Citi TYP factors system, and it doesn’t have an effect on the bonus eligibility for Citi Premier and Citi Status. Due to this fact, in abstract, this card may be very really useful in case you are within the Citi TYP factors system!
When you have different Citi playing cards that you just now not use, you possibly can take into account changing it to this card.
Associated Credit score Playing cards
Historic Gives Chart
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