2023.4 Replace: 25k supply is again! That is the perfect ever supply of this card.
- 25k supply: earn 25,000 ThankYou Factors after spending $1,500 in first 3 months. That is the perfect supply (on-line) on this card.
- 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 gasoline (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, for those who 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 12 months.
Observe that you may not use this card to switch TYP to airline miles although, so I guess this profit shouldn’t be helpful for most individuals.The ten% factors again profit works while you redeem TYP (together with transferring to airline miles) from different bank cards as properly! So long as you mix the TYP accounts from all of your TYP associated bank cards (chances are you’ll have to name for this).
- No annual payment.
- It has international transaction payment, so it isn’t a sensible choice outdoors the US.
Due to Citi’s 1/24 rule, for those who apply for this card, you’ll lose the prospect to get the sign-up bonus for Citi Status or Citi Premier within the subsequent 24 months! Apart from, for those who convert a non-TYP card (e.g. Citi AA card) to a TYP card, this motion may also reset the 24 month clock and have an effect on the bonus eligibility!Appears like Citi has eliminated this rule.
Introduction to TYP
- You may earn TYP with Citi Premier, Citi Rewards+, Citi Custom Cash, Citi Double Cash, and many others.
- You may 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 mechanically.
- Generally, 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.
- If in case you have Citi Prestige or Citi Premier, TYP might be transferred to some airline miles. One of the simplest 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. If you happen to use TYP on this method, the worth is about 1.6 cents/level.
- If in case you have Citi Prestige, you’ll be able to redeem your TYP at a set price 1.25 cents/level in direction of air tickets on thankyou.com. It is a widespread method to make use of TYP. Factors+money is offered when redeeming for air tickets, so no want to fret for those who don’t have sufficient TYP.
- If in case you have Citi Prestige or Citi Premier or Citi Custom Cash or Citi Double Cash, you’ll be able to redeem your TYP at a set price 1 cents/level in direction of money.
- If in case you have Citi Rewards+, you may get 10% again when redeeming TYP, as much as 100k TYP per 12 months. 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).
Beneficial Utility Time
[1/24 Rule] Bonus ThankYou Factors will not be obtainable for those who acquired a brand new cardmember bonus for Citi Rewards+, Citi ThankYou Most popular, Citi Premier or Citi Status, or when you’ve got closed any of those playing cards, prior to now 24 months. Product change is handled as account closure if the account quantity is modified.
- You’ll not obtain the bonus when you’ve got acquired a bonus supply for opening Citi Rewards+ card prior to now 48 months.
- [8/65 Rule] You may apply for at most 1 Citi playing cards each 8 days, and at most 2 Citi playing cards each 65 days, regardless of accredited or not.
- Citi values the variety of latest exhausting pulls loads, we advocate you apply when there’s lower than 6 exhausting pulls prior to now 6 months.
- This is likely one of the most best Citi card to get, however we nonetheless advocate you apply for this card after you may have a credit score historical past of no less than half a 12 months.
The rounding up is limitless, which is sort of shocking. If too many individuals abuse it, I consider 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 12 months. Information factors present that, the ten% factors again profit works while you redeem TYP (together with transferring to airline miles) from different bank cards as properly! So long as you mix the TYP accounts from all of your TYP associated bank cards (chances are you’ll have to name for this). This makes this card extra beneficial: if you have already got plans to redeem TYP, then merely retaining this card means Citi gives you further TYP at no cost, as much as 10k TYP per 12 months.
Usually, this card is an excellent downgrade possibility for TYP collection bank cards.
Associated Credit score Playing cards
Historic Gives Chart
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