2025.10 Replace: The net supply is now 100k, which is the most effective ever supply on this card!
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Advantages
- 100k Welcome Bonus: Earn 100,000 ThankYou Factors (TYP) after spending $6,000 throughout the first 3 months of account opening. That is the most effective supply on this card.
- We worth TYP at 1.6 cents/level, making the 100k highest welcome bonus value roughly $1,600!
- Factors Switch: Factors earned from this card may be transferred to airline and lodge companions. You can too redeem them for money at a hard and fast 1 cent/level fee.
- Factors Incomes Constructions:
- 12x TYP on Inns, Automobile Leases, and Sights booked via Citi Journey
- 6x TYP on Flights booked through Citi Journey
- 6x TYP on Eating throughout “Citi Nights” (Fridays & Saturdays, 6 PM – 6 AM ET)
- 3x TYP on Eating (common hours)
- 1.5x TYP on all different purchases
- $300 Resort Credit score: As much as $300 per calendar 12 months in assertion credit for lodge bookings of two nights or extra via Citi Journey.
- $200 Splurge Credit score: Rise up to $200 in annual credit at as much as 2 chosen accomplice retailers. Present retailers embody: 1stDibs, American Airways (exclusions apply), Greatest Purchase, Future Private Coaching, and Reside Nation (exclusions apply).
- $200 Blacklane Credit score: Obtain $100 credit score each 6 months for Blacklane airport switch companies.
- 4 Admirals Membership Passes: 4 American Airways Admirals Membership passes per calendar 12 months.
- Precedence Go Choose: Cardholders obtain a separate Precedence Go Choose membership for lounge entry worldwide. Cardholder can deliver as much as 2 friends totally free.
- No overseas transaction price.
Disadvantages
- $595 Annual Charge: Not waived the primary 12 months. Citigold members ($200k belongings required) get a $145 annual price low cost, which makes the annual price $450. Notice: Annual charges don’t rely towards the welcome bonus spending requirement.
Introduction to TYP
- You may earn TYP with Citi Strata Elite, Citi Strata Premier, Citi Strata, Citi Customized Money, Citi Double Money, and so forth.
- You may add all these playing cards into the identical thankyou.com account, and factors which might be about to run out shall be redeemed first within the order through which they expire mechanically.
- Usually, 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’ve got Citi Strata Premier or Citi Strata Elite or Citi Status (Discontinued), TYP may 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 forth. Should you use TYP on this means, the worth is about 1.6 cents/level.
- You may redeem your TYP at a hard and fast fee 1 cents/level in the direction of money.
- When you’ve got Citi Status (Discontinued), you may redeem your TYP at a hard and fast fee 1.25 cents/level in the direction of air tickets on thankyou.com. It is a frequent means to make use of TYP. Factors+money is on the market when redeeming for air tickets, so no want to fret in case you wouldn’t have sufficient TYP.
When you’ve got Citi Rewards+ (Discontinued), you may get 10% again when redeeming TYP, as much as 100k TYP per 12 months. This function 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: How one can Earn & Introduction to TYP: How one can Use (very detailed).
Really helpful Software Time
- [1/48 Rule] Bonus ThankYou®Factors should not obtainable if in case you have acquired a brand new account bonus for a Citi Strata Elite℠ account previously 48 months or in case you 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 Strata Elite.
- [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, regardless of accepted or not.
- Greatest to use with fewer than 3 arduous inquiries within the final 6 months (though Citi’s restrict is 6).
- Citi values the variety of current arduous pulls so much, we advocate you apply when there’s lower than 3 arduous pulls previously 6 months (Citi usually requires lower than 6 arduous pulls, however this card is completely different).
- We advocate you apply for this card after you will have a credit score historical past of at the least one 12 months.
Abstract
This card shouldn’t be very compelling, with a $595 annual price and solely 80k limited-time welcome supply. The assertion credit are comparatively simple to make use of (not month-to-month like different playing cards), however even in case you maximize the $300 lodge and $200 Splurge credit, it barely offsets the price.
Until you e book so much via CitiTravel, it’s arduous to justify this card. In case your major purpose is to switch TYP to journey companions, the Citi Strata Premier ($95 annual price) is greater than sufficient.
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Really helpful Downgrade Choices
- Citi Strata: Greatest downgrade path to protect TYP. Downgrading to non-TYP playing cards like Citi Double Money or Customized Money might trigger current TYP to run out in 60 days.
Historic Provides Chart
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