2025.10 Replace: The web provide is now 100k, which is the most effective ever provide on this card!
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Advantages
- 100k Welcome Bonus: Earn 100,000 ThankYou Factors (TYP) after spending $6,000 inside the first 3 months of account opening. That is the most effective provide on this card.
- We worth TYP at 1.6 cents/level, making the 100k highest welcome bonus value roughly $1,600!
- Factors Switch: Factors earned from this card may be transferred to airline and lodge companions. You may also redeem them for money at a hard and fast 1 cent/level price.
- Factors Incomes Constructions:
- 12x TYP on Resorts, Automotive Leases, and Points of interest booked by way of Citi Journey
- 6x TYP on Flights booked by way of Citi Journey
- 6x TYP on Eating throughout “Citi Nights” (Fridays & Saturdays, 6 PM – 6 AM ET)
- 3x TYP on Eating (common hours)
- 1.5x TYP on all different purchases
- $300 Lodge Credit score: As much as $300 per calendar yr in assertion credit for lodge bookings of two nights or extra by way of Citi Journey.
- $200 Splurge Credit score: Rise up to $200 in annual credit at as much as 2 chosen companion retailers. Present retailers embrace: 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training, and Live Nation (exclusions apply).
- $200 Blacklane Credit score: Obtain $100 credit score each 6 months for Blacklane airport switch companies.
- 4 Admirals Membership Passes: 4 American Airways Admirals Membership passes per calendar yr.
- Precedence Go Choose: Cardholders obtain a separate Precedence Go Choose membership for lounge entry worldwide. Cardholder can deliver as much as 2 visitors without spending a dime.
- No overseas transaction charge.
Disadvantages
- $595 Annual Payment: Not waived the primary yr. Citigold members ($200k assets required) get a $145 annual charge low cost, which makes the annual charge $450. Word: Annual charges don’t depend towards the welcome bonus spending requirement.
Introduction to TYP
- You possibly can earn TYP with Citi Strata Elite, Citi Strata Premier, Citi Strata, 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 are about to run out can be redeemed first within the order wherein they expire robotically.
- Generally, 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.
- In case you have Citi Strata Premier or Citi Strata Elite or Citi Prestige (Discontinued), 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 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 approach, the worth is about 1.6 cents/level.
- You possibly can redeem your TYP at a hard and fast price 1 cents/level in direction of money.
- In case you have Citi Prestige (Discontinued), you’ll be able to redeem your TYP at a hard and fast price 1.25 cents/level in direction of air tickets on thankyou.com. This can be a frequent approach to make use of TYP. Factors+money is accessible when redeeming for air tickets, so no want to fret in the event you wouldn’t have sufficient TYP.
In case you have Citi Rewards+ (Discontinued), you will 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).
Really helpful Utility Time
- [1/48 Rule] Bonus ThankYou®Factors are usually not accessible you probably have obtained a brand new account bonus for a Citi Strata Elite℠ account prior to now 48 months or in the event you 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 Strata Elite.
- [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, irrespective of accepted or not.
- Finest to use with fewer than 3 exhausting inquiries within the final 6 months (despite the fact that Citi’s restrict is 6).
- Citi values the variety of latest exhausting pulls lots, we suggest you apply when there’s lower than 3 exhausting pulls prior to now 6 months (Citi typically requires lower than 6 exhausting 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 least one yr.
Abstract
This card will not be very compelling, with a $595 annual charge and solely 80k limited-time welcome provide. The assertion credit are comparatively straightforward to make use of (not month-to-month like different playing cards), however even in the event you maximize the $300 lodge and $200 Splurge credit, it barely offsets the charge.
Except you guide lots by way of CitiTravel, it’s exhausting to justify this card. In case your important purpose is to switch TYP to journey companions, the Citi Strata Premier ($95 annual charge) is greater than sufficient.
Associated Playing cards
Really helpful Downgrade Choices
- Citi Strata: Finest downgrade path to protect TYP. Downgrading to non-TYP playing cards like Citi Double Money or Customized Money might trigger present TYP to run out in 60 days.
Historic Gives Chart
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