2025.7 Replace: It appears ranging from 2019, Citigold added a $200 Subscription Rebate profit: earn up $200 in assertion credit for subscriptions made with: Amazon Prime, Costco, Audible, Hulu, Spotify, TSA PreCheck, World Entry.
2024.10 Replace: The brand new provide is $1,500 with $200k deposit requirement.
2024.1 Replace: The brand new bonus is $1,500/$2,500 with deposit requirement $200k/$300k. The bonus provide appears good, however requiring $200,000 within the checking account (not together with financial savings or brokerage account!) is insane in my view. These days a easy financial savings account can provide you 5%+ APY, so this bonus is totally not price it.
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Advantages
- $1,500 sign-up bonus! Please learn under for the necessities to get this bonus.
- No month-to-month payment. However With the intention to be eligible, you should preserve $200,000 in mixed common month-to-month stability in all eligible deposit, retirement, and funding accounts.
- [New] $200 Subscription Rebate: earn up $200 in assertion credit for subscriptions made with: Amazon Prime, Costco, Audible, Hulu, Spotify, TSA PreCheck, World Entry.
- Discounted annual charges for some premium bank cards from Citi. The lowered annual charges stay even in case you shut your Citigold account thereafter.
- Free entry to non-Citi ATM.
- $0 Early Termination Price. So you’ll be able to shut your account at any time, or you’ll be able to downgrade it to the basic version checking account.
Bonus Necessities
- This bonus is barely accessible for brand new purchasers. Those that at the moment have a Citi checking or financial savings account, or have closed an account inside 180 days usually are not eligible for this provide. These with a Citi bank card usually are not exempt from these guidelines.
- Deposit New-to-Citibank Funds into your new checking account inside 20 days of account opening. Keep the required minimal stability in your eligible account for a further 60 days from the twenty first day. See the next desk for the relation of bonus and quantity of deposit:
Deposit Quantity Bonus $30,000 $500 $200,000 $1,500 - Be aware: solely the common financial savings account counts, the brand new product “Citi Speed up Financial savings” with greater rate of interest doesn’t rely.
Completely different Citi Checking Accounts
Here is a comparability and distinction on the official web site.
Abstract
Citigold was once accessible to everybody so long as you might be keen to pay the month-to-month payment. Nevertheless, after Nov. 2016, Citigold requires a stability of at the very least $200,000 to keep up the account. Now solely wealthy individuals can contemplate this account. The $1,500 bonus provide appears good, however requiring $200,000 within the checking account (not together with financial savings or brokerage account!) is insane in my view. The equal APY is about 4.5%+ if the fund is within the account for precisely 60 days, and decrease if the funds is caught there for longer. These days a easy financial savings account can provide you 5%+ APY, so this bonus is totally not price it.
