[2026.7 Update] Moreover the 60k provide offered by Citi itself, third celebration web site Rakuten provides an extra $100 cashback. Word that for those who select to earn MR on Rakuten you might even see $0 extra cashback, it is advisable 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. Principal 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. One of the best latest provide is 80k.
- We estimate that ThankYou Factors (TYP) are price about 1.6 cents/level, see beneath for a short introduction. So the 80k highest sign-up bonus is price about $1,280!
- When you have this card, you’ll be able to switch your TYP to accomplice airways miles. Moreover, with this card, you too can money out TYP at a set ratio 1 cent/level.
- Factors Incomes Buildings:
- 10x TYP on Lodge, Automotive Leases and Points of interest booked via CitiTravel.com.
- 3x TYP at Air Journey and Different Lodge Purchases, at Eating places, Supermarkets, Fuel 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 costs, via thankyou.com, as soon as per calendar 12 months.
- Journey Delay Insurance coverage (6 hours).
- No international transaction payment.
Disadvantages
- $95 annual payment, NOT waived for the primary 12 months.
Introduction to TYP
- You’ll be able to earn TYP with Citi Strata Elite, Citi Strata Premier, Citi Strata, Citi Custom Cash, Citi Double Cash, and many others.
- You’ll be able to add all these playing cards into the identical thankyou.com account, and factors which are about to run out can be redeemed first within the order during which they expire robotically.
- Generally, 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.
- When you have Citi Strata Premier or Citi Strata Elite or Citi Prestige (Discontinued), TYP could 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 many others. If you happen to use TYP on this manner, the worth is about 1.6 cents/level.
- You’ll be able to redeem your TYP at a set price 1 cent/level in the direction of money.
- When you have Citi Prestige (Discontinued), you’ll be able to redeem your TYP at a set price 1.25 cents/level in the direction of air tickets on thankyou.com. This can be a widespread manner to make use of TYP. Factors+money is out there when redeeming for air tickets, so no want to fret for those who should not have sufficient TYP.
When 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 price 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).
Really helpful Utility Time
[1/24 Rule] Bonus ThankYou Factors should not out there for those who obtained a brand new cardmember bonus for Citi Rewards+, Citi ThankYou Most well-liked, Citi Premier or Citi Status, or if 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, 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 out there for those who obtained a brand new account bonus for a Citi Premier® or Citi Strata Premier® account prior 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’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 latest arduous pulls so much, we suggest you apply when there’s lower than 3 arduous pulls prior to now 6 months (Citi usually requires lower than 6 arduous pulls, however this card is completely different).
- We suggest you apply for this card after you’ve got a credit score historical past of at the very least one 12 months.
Abstract
In 2020, this card grew to become 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 very excessive annual payment, 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 payment playing cards that may earn TYP, as a result of you’ll be able to hold your TYP in that case. If you happen to downgrade this card to DC/Dividend, the TYP you earned from this card will expire in 60 days.
Historic Affords 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 must always not count on it to seem once more within the close to future.
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