2025.4 Replace: The applying hyperlink reveals “web page not discovered”. It appears this card is discontinued. The prevailing card holders ought to be capable of get pleasure from the advantages, a minimum of for now.
2024.1 Replace: The 25k supply is expired. The present supply is 20k.
2023.4 Replace: 25k supply is again! That is the most effective ever supply of this card.
Utility Hyperlink
Advantages
- 20k supply: earn 20,000 ThankYou Factors after spending $1,500 in first 3 months. The latest greatest supply is 25k.
- We estimate that ThankYou Factors (TYP) are price about 1.6 cents/level, see beneath 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, in case you 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 yr.
Notice you could not use this card to switch TYP to airline miles although, so I wager this profit is just not 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 effectively! So long as you mix the TYP accounts from all of your TYP associated bank cards (chances are you’ll must name for this). - No annual price.
Disadvantages
- It has international transaction price, so it is not a good selection exterior the US.
Due to Citi’s 1/24 rule, in case you apply for this card, you’ll lose the possibility to get the sign-up bonus for Citi Status or Citi Premier within the subsequent 24 months! Moreover, in case you convert a non-TYP card (e.g. Citi AA card) to a TYP card, this motion will even reset the 24 month clock and have an effect on the bonus eligibility!Seems like Citi has eliminated this rule.
Introduction to TYP
- You possibly can earn TYP with Citi Premier, Citi Rewards+, Citi Custom Cash, Citi Double Cash, and many others.
- You possibly can add all these playing cards into the identical thankyou.com account, and factors which might be about to run out will likely be redeemed first within the order by which they expire routinely.
- 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 Prestige or Citi Premier, TYP might 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 many others. In case 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 charge 1.25 cents/level in 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 in case you do not need 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 charge 1 cents/level in direction of money.
- When you’ve got Citi Rewards+, you will get 10% again when redeeming TYP, as much as 100k TYP per yr. 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 Card Points Values (overview), and Introduction to TYP: How to Earn & Introduction to TYP: How to Use (very detailed).
Really useful Utility Time
[1/24 Rule] Bonus ThankYou Factors aren’t obtainable in case you acquired 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, previously 24 months. Product change is handled as account closure if the account quantity is modified.- You’ll not obtain the bonus if in case you have acquired a bonus supply 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 authorised or not.
- Citi values the variety of latest laborious pulls rather a lot, we suggest you apply when there’s lower than 6 laborious pulls previously 6 months.
- This is among the most best Citi card to get, however we nonetheless suggest you apply for this card after you’ve a credit score historical past of a minimum of half a yr.
Abstract
The rounding up is limitless, which is sort of shocking. If too many individuals abuse it, I imagine 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 yr. 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 effectively! So long as you mix the TYP accounts from all of your TYP associated bank cards (chances are you’ll must name for this). This makes this card extra priceless: if you have already got plans to redeem TYP, then merely preserving this card means Citi provides you with additional TYP free of charge, as much as 10k TYP per yr.
Normally, this card is an excellent downgrade possibility for TYP sequence bank cards.
