2025.4 Replace: The applying hyperlink exhibits “web page not discovered”. It appears this card is discontinued. The prevailing card holders ought to have the ability to get pleasure from the advantages, not less than for now.
2024.1 Replace: The 25k provide is expired. The present provide is 20k.
2023.4 Replace: 25k provide is again! That is the perfect ever provide of this card.
Utility Hyperlink
Advantages
- 20k provide: earn 20,000 ThankYou Factors after spending $1,500 in first 3 months. The latest finest provide is 25k.
- We estimate that ThankYou Factors (TYP) are price about 1.6 cents/level, see under for a short introduction. So the 20k sign-up bonus is price about $320.
- Earn 2x ThankYou Factors per $1 spent on eating and fuel (for the primary $6,000 spending on bonus classes), 1 ThankYou Level per $1 spent on different purchases.
- Rounding up: your earnings on all purchases are rounded as much as the closest 10 factors. For instance, for those who earn 4 TYP for a purchase order, you’ll really earn 10 TYP. With no cap!
- 10% Factors Again for the primary 100,000 ThankYou Factors you redeem per 12 months.
Observe that you could not use this card to switch TYP to airline miles although, so I wager this profit shouldn’t be helpful for most individuals.The ten% factors again profit works whenever you redeem TYP (together with transferring to airline miles) from different bank cards as properly! So long as you mix the TYP accounts from all of your TYP associated bank cards (it’s possible you’ll must name for this). - No annual payment.
Disadvantages
- It has international transaction payment, so it is not a good selection exterior the US.
Due to Citi’s 1/24 rule, for those who apply for this card, you’ll lose the prospect to get the sign-up bonus for Citi Status or Citi Premier within the subsequent 24 months! Apart from, for those who convert a non-TYP card (e.g. Citi AA card) to a TYP card, this motion can even reset the 24 month clock and have an effect on the bonus eligibility!Appears to be like like Citi has eliminated this rule.
Introduction to TYP
- You possibly can earn TYP with Citi Premier, Citi Rewards+, 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 are about to run out shall be redeemed first within the order during which they expire routinely.
- Typically, TYP by no means expire. However closing account, product change, or receiving factors from different individuals could trigger TYP on that account to run out.
- When you’ve got Citi Status 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 case you use TYP on this means, the worth is about 1.6 cents/level.
- When you’ve got Citi Status, you’ll be able to redeem your TYP at a set 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 obtainable when redeeming for air tickets, so no want to fret for those who should not have sufficient TYP.
- When you’ve got Citi Status or Citi Premier or Citi Customized Money or Citi Double Money, you’ll be able to 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 price about 1.6 cents/level.
- For extra details about TYP, see Maximize the Credit score Card Factors Values (overview), and Introduction to TYP: Tips on how to Earn & Introduction to TYP: Tips on how to Use (very detailed).
Beneficial Utility Time
[1/24 Rule] Bonus ThankYou Factors should not obtainable for those who acquired a brand new cardmember bonus for Citi Rewards+, Citi ThankYou Most popular, Citi Premier or Citi Status, or when you’ve got closed any of those playing cards, previously 24 months. Product change is handled as account closure if the account quantity is modified.- You’ll not obtain the bonus when you’ve got acquired a bonus provide for opening Citi Rewards+ card previously 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, regardless of permitted or not.
- Citi values the variety of latest exhausting pulls loads, we advocate you apply when there’s lower than 6 exhausting pulls previously 6 months.
- This is without doubt one of the most best Citi card to get, however we nonetheless advocate you apply for this card after you could have a credit score historical past of not less than half a 12 months.
Abstract
The rounding up is limitless, which is sort of stunning. If too many individuals abuse it, I consider Citi will revamp this card quickly.
Additionally, this card has a 10% Factors Again profit: for the primary 100,000 ThankYou Factors you redeem per 12 months. Knowledge factors present that, the ten% factors again profit works whenever you redeem TYP (together with transferring to airline miles) from different bank cards as properly! So long as you mix the TYP accounts from all of your TYP associated bank cards (it’s possible you’ll must name for this). This makes this card extra helpful: if you have already got plans to redeem TYP, then merely retaining this card means Citi gives you additional TYP without spending a dime, as much as 10k TYP per 12 months.
On the whole, this card is an excellent downgrade choice for TYP collection bank cards.