2026.5 Replace: This card is now discontinued. Current card members can get pleasure from the advantages as earlier than. No one is aware of but if/when they may do an computerized conversion to a different card.
2022.1 Replace: The 30k hyperlink is expired. The present supply is 20k.
2021.11 Replace: There’s a 30k direct hyperlink now (it appears to be a hyperlink from CreditKarma, and now we have no relationship with them).
Software Hyperlink
Advantages
- 20k supply: earn 20,000 ThankYou Factors after spending $1,500 in first 3 months. The current finest supply is 30k.
- We estimate that ThankYou Factors (TYP) are value about 1.6 cents/level, see beneath for a quick introduction. So the 30k highest sign-up bonus is value about $480.
- Earn 5x TYP on purchases in your prime eligible spend class every billing cycle, as much as the primary $500 spent; 1x TYP thereafter. Additionally, earn limitless 1x TYP on all different purchases.
- 5x eligible classes: Eating places, gasoline stations, grocery shops, choose journey, choose transit, choose streaming companies, drugstores, residence enchancment shops, health golf equipment, dwell leisure.
- No annual price.
Disadvantages
- It has international transaction price, so it is not a good selection outdoors the US.
- The higher restrict for 5x return ($500 in spending) is kind of low.
- You’ll be able to solely have one Citi Customized Money card.
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 so on.
- You’ll be able to 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.
- Normally, 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.
- In case you have Citi Strata Premier or Citi Strata Elite or Citi Prestige (Discontinued), TYP will be transferred to some airline miles. One of the best 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 on. Should you use TYP on this method, the worth is about 1.6 cents/level.
- You’ll be able to redeem your TYP at a hard and fast fee 1 cent/level in the direction of money.
- In case you have Citi Prestige (Discontinued), you’ll be able to 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 widespread method 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.
In case you have Citi Rewards+ (Discontinued), you may get 10% again when redeeming TYP, as much as 100k TYP per yr. 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 Card Points Values (overview), and Introduction to TYP: How to Earn & Introduction to TYP: How to Use (very detailed).
Beneficial Software Time
- Bonus just isn’t obtainable in case you acquired one for opening a brand new Citi Customized Money℠ Card account prior to now 48 months.
- [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 6 onerous pulls prior to now 6 months.
- This is among the best Citi card to get, however we nonetheless advocate you apply for this card after you’ve gotten a credit score historical past of no less than half a yr.
Abstract
This card is fascinating, you’ll be able to earn 5x TYP on prime spending class routinely, as much as $500 in spending monthly. This card is a competitor of 5% cashback playing cards corresponding to Chase Free Flex and Uncover it. It’s a sensible choice for the classes which you don’t have 5% cashback card for. The 5x classes have to be within the record of eligible classes, which is a limitation. The higher restrict is kind of low, however $500 monthly is definitely just like the business commonplace $1,500 per quarter. This card is an effective card to have for Citi TYP factors system, and it doesn’t have an effect on the bonus eligibility for Citi Premier and Citi Status. Due to this fact, in abstract, this card may be very beneficial if you’re within the Citi TYP factors system!
In case you have different Citi playing cards that you simply not use, you’ll be able to contemplate changing it to this card.
Associated Credit score Playing cards
Historic Gives Chart
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