[2026.7 Update] In addition to the 60k provide supplied by Citi itself, third get together web site Rakuten gives an extra $100 cashback. Notice that for those who select to earn MR on Rakuten you might even see $0 further cashback, you’ll want to select to earn cashback/Bilt on Rakuten. HT: DoC.
[2025.4 Update] The upper provide is expired. The present provide is 60k.
[2024.5 Update] Card identify modified from Citi Premier to Citi Strata Premier. New provide is 75k. Most important distinction: Added 10x TYP incomes on CitiTravel.com; added 3x TYP incomes on EV charging; added journey delay insurance coverage (6 hours).
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Advantages
- 60k provide: earn 60,000 ThankYou Factors (TYP) after spending $4,000 in first 3 months. The very best latest provide is 80k.
- We estimate that ThankYou Factors (TYP) are value about 1.6 cents/level, see under for a quick introduction. So the 80k highest sign-up bonus is value about $1,280!
- If in case you have this card, you possibly can switch your TYP to accomplice airways miles. In addition to, with this card, you may as well money out TYP at a set ratio 1 cent/level.
- Factors Incomes Constructions:
- 10x TYP on Lodge, Automobile Leases and Points of interest booked by way of CitiTravel.com.
- 3x TYP at Air Journey and Different Lodge Purchases, at Eating places, Supermarkets, Gasoline Stations, and EV Charging Stations;
- 1x TYP on all different purchases.
- $100 Annual Lodge Financial savings Profit: Take pleasure in $100 off a single resort keep of $500 or extra, excluding taxes and charges, by way of thankyou.com, as soon as per calendar 12 months.
- Journey Delay Insurance coverage (6 hours).
- No overseas transaction price.
Disadvantages
- $95 annual price, NOT waived for the primary 12 months.
Introduction to TYP
- You may earn TYP with Citi Strata Elite, Citi Strata Premier, Citi Strata, Citi Customized Money, Citi Double Money, and many others.
- You may 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 by which they expire mechanically.
- Typically, TYP by no means expire. However closing account, product change, or receiving factors from different folks could trigger TYP on that account to run out.
- If in case you have Citi Strata Premier or Citi Strata Elite or Citi Status (Discontinued), TYP could be transferred to some airline miles. The easiest way 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 many others. Should you use TYP on this means, the worth is about 1.6 cents/level.
- You may redeem your TYP at a set fee 1 cent/level in the direction of money.
- If in case you have Citi Status (Discontinued), you possibly can redeem your TYP at a set fee 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 accessible when redeeming for air tickets, so no want to fret for those who do not need sufficient TYP.
If in case you have Citi Rewards+ (Discontinued), you will 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: The best way to Earn & Introduction to TYP: The best way to Use (very detailed).
Really helpful Utility Time
[1/24 Rule] Bonus ThankYou Factors should not accessible for those who obtained a brand new cardmember bonus for Citi Rewards+, Citi ThankYou Most well-liked, Citi Premier or Citi Status, or when you have closed any of those playing cards, up to now 24 months. Product change is handled as account closure if the account quantity is modified. [Update] Regardless of what the time period says, for those who convert a non-TYP card (e.g. Citi AA card) to a TYP card, this motion will reset the 24 month clock and have an effect on the bonus eligibility!- [1/48 Rule] Bonus ThankYou® Factors should not accessible for those who obtained a brand new account bonus for a Citi Premier® or Citi Strata Premier® account up to now 48 months or for those who transformed one other Citi bank card account on which you earned a brand new account bonus within the final 48 months right into a Citi Premier® or Citi Strata Premier® account.
- [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, irrespective of accepted or not.
- Citi values the variety of latest exhausting pulls lots, we suggest you apply when there’s lower than 3 exhausting pulls up to now 6 months (Citi typically requires lower than 6 exhausting pulls, however this card is completely different).
- We suggest you apply for this card after you’ve a credit score historical past of not less than one 12 months.
Abstract
In 2020, this card turned stronger. The power to earn 3x TYP on eating places and supermarkets could be very helpful. If you wish to play with the ThankYou Factors (TYP) system, you want both Citi Premier or Citi Status to make redemptions. These days Citi Status turns into weaker and weaker with a very excessive annual price, and Citi Premier is a more sensible choice for most individuals in my view.
Associated Credit score Playing cards
Really helpful Downgrade Choices
- Citi Rewards+. We suggest you downgrade this card to those no annual price playing cards that may earn TYP, as a result of you possibly can preserve your TYP in that case. Should you downgrade this card to DC/Dividend, the TYP you earned from this card will expire in 60 days.
Historic Gives Chart
Notice 1: The provide earlier than 2015.4 is: earn 20k TYP after spending $2000 within the first 3 months, and one other 30k after spending $3000 within the first 3 months of subsequent 12 months.
Notice 2: The 60k provide in 2015.9 is a particular hyperlink, and it most likely is a glitch, so we should always not anticipate it to seem once more within the close to future.
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