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 for my part. 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 beneath for the necessities to get this bonus.
- No month-to-month charge. However In an effort to be eligible, you will need to keep $200,000 in mixed common month-to-month stability 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 diminished annual charges stay even in the event you shut your Citigold account thereafter.
- Free entry to non-Citi ATM.
- $0 Early Termination Charge. So you’ll be able to shut your account at any time, or you’ll be able to downgrade it to the fundamental model checking account.
Bonus Necessities
- This bonus is simply obtainable for brand new purchasers. Those that presently have a Citi checking or financial savings account, or have closed an account inside 180 days usually are not eligible for this supply. These with a Citi bank card usually are not exempt from these guidelines.
- Deposit New-to-Citibank Funds into your new checking account inside 20 days of account opening. Preserve the required minimal stability 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 - Be aware: solely the common financial savings account counts, the brand new product “Citi Speed up Financial savings” with larger rate of interest doesn’t rely.
Completely 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 might be keen to pay the month-to-month charge. Nevertheless, after Nov. 2016, Citigold requires a stability of a minimum of $200,000 to keep up the account. Now solely wealthy folks can take into account 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 for my part. 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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