2022.6 Replace: The 80k provide is again!
2022.1 Replace: The 80k provide is expired. The present provide is 60k.
2021.7 Replace: New welcome provide: earn 80k TYP factors after $4000 spend within the first 3 months. That is the best signup on this card ever! However please confer with Advocate Software Time part earlier than you apply. On this part, we used to say “Citi values the variety of current onerous pulls quite a bit, we advocate you apply when there’s lower than 6 onerous pulls prior to now 6 months.” Nevertheless, current information factors present that for this particular card it is advisable to have lower than 3 onerous pulls prior to now 6 months. Screenshot.
2020.8 Replace: New advantages are added as of 2020.08.23:
- The brand new incomes construction is: earn 3x TYP at eating places, supermarkets, gasoline stations, air journey, and inns; earn 1x TYP on all different purchases.
- New profit added: $100 Annual Resort Financial savings Profit: Take pleasure in $100 off a single lodge keep of $500 or extra, excluding taxes and costs, via thankyou.com, as soon as per calendar 12 months.
- The flexibility use TYP as a set worth 1.25 cents/level is eliminated. Nevertheless, you may nonetheless switch TYP to airline miles which is a greater technique to redeem your TYP anyway, so this isn’t a giant dangerous information.
- 80k provide: earn 80,000 ThankYou Factors (TYP) after spending $4,000 in first 3 months. That is the best provide ever!
- We estimate that ThankYou Factors (TYP) are value about 1.6 cents/level, see beneath for a quick introduction. So the 80k highest sign-up bonus is value about $1,280!
- When you’ve got this card, you may switch your TYP to accomplice airways miles. Apart from, with this card, it’s also possible to money out TYP at a set ratio 1 cent/level.
- [New] Earn 3x TYP at eating places, supermarkets, gasoline stations, air journey, and inns; earn 1x TYP on all different purchases.
- [New] $100 Annual Resort Financial savings Profit: Take pleasure in $100 off a single lodge keep of $500 or extra, excluding taxes and costs, via thankyou.com, as soon as per calendar 12 months.
- No international transaction payment.
- $95 annual payment, NOT waived for the primary 12 months.
Introduction to TYP
- You’ll be able to earn TYP with Citi Prestige, Citi Premier, Citi Rewards+, Citi ATT Access More, and so on.
- You’ll be able to 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 routinely.
- Most often, TYP by no means expire. However closing account, product change, or receiving factors from different folks might trigger TYP on that account to run out.
- When you’ve got Citi Prestige or Citi Premier, TYP may be transferred to some airline miles. One of the best 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 so on. In the event you use TYP on this manner, the worth is about 1.6 cents/level.
- When you’ve got Citi Prestige, you may redeem your TYP at a set fee 1.25 cents/level in the direction of air tickets on thankyou.com. It is a widespread manner to make use of TYP. Factors+money is offered when redeeming for air tickets, so no want to fret when you would not have sufficient TYP.
- When you’ve got Citi Prestige or Citi Premier or Citi Custom Cash or Citi Double Cash, you may redeem your TYP at a set fee 1 cents/level in the direction of money.
- When you’ve got Citi Rewards+, you will get 10% again when redeeming TYP, as much as 100k TYP per 12 months. This characteristic 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 Card Points Values (overview), and Introduction to TYP: How to Earn & Introduction to TYP: How to Use (very detailed).
Advisable Software Time
- [1/24 Rule] Bonus ThankYou Factors usually are not accessible when you acquired a brand new cardmember bonus for Citi Rewards+, Citi ThankYou Most well-liked, Citi Premier or Citi Status, or in case you have closed any of those playing cards, prior 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, when you 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!
- [8/65 Rule] You’ll be able to apply for at most 1 Citi playing cards each 8 days, and at most 2 Citi playing cards each 65 days, regardless of authorised or not.
- Citi values the variety of current onerous pulls quite a bit, we advocate you apply when there’s lower than 3 onerous pulls prior to now 6 months (Citi typically requires lower than 6 onerous pulls, however this card is completely different).
- We advocate you apply for this card after you could have a credit score historical past of at the very least one 12 months.
In 2020, this card turns into stronger. The flexibility to earn 3x TYP on eating places and supermarkets may be very helpful. If you wish to play with the ThankYou Factors (TYP) system, you want both Citi Premier or Citi Prestige to make redemptions. These days Citi Prestige turns into weaker and weaker with a extremely excessive annual payment, and Citi Premier is a more sensible choice for most individuals in my view.
Associated Credit score Playing cards
Advisable Downgrade Choices
- Citi Rewards+. We advocate you downgrade this card to those no annual payment playing cards that may earn TYP, as a result of you may hold your TYP if that’s the case. In the event you downgrade this card to DC/Dividend, the TYP you earned from this card will expire in 60 days.
Historic Gives Chart
Word 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.
Word 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.