2021.7 Replace: New welcome provide: earn 80k TYP factors after $4000 spend within the first 3 months. That is the best signup on this card ever! However please confer with Suggest Utility Time part earlier than you apply. On this part, we used to say “Citi values the variety of latest laborious pulls lots, we advocate you apply when there’s lower than 6 laborious pulls prior to now 6 months.” Nonetheless, latest information factors present that for this particular card you could have lower than 3 laborious pulls prior to now 6 months.
2021.5 Update2: The cardboard arts for the TYP collection playing cards are up to date. You may contact customer support to get a alternative with the brand new card artwork if .
2020.8 Replace: New advantages are added as of 2020.08.23:
- The brand new incomes construction is: earn 3x TYP at eating places, supermarkets, gasoline stations, air journey, and lodges; earn 1x TYP on all different purchases.
- New profit added: $100 Annual Lodge Financial savings Profit: Take pleasure in $100 off a single resort keep of $500 or extra, excluding taxes and charges, by means of thankyou.com, as soon as per calendar yr.
- The flexibility use TYP as a hard and fast worth 1.25 cents/level is eliminated. Nonetheless, you possibly can nonetheless switch TYP to airline miles which is a greater technique to redeem your TYP anyway, so this isn’t an enormous dangerous information.
Utility Hyperlink
Advantages
- 80k provide: earn 80,000 ThankYou Factors (TYP) after spending $4,000 in first 3 months. That is the best provide ever!
- We estimate that ThankYou Factors (TYP) are value about 1.6 cents/level, see under for a short introduction. So the 60k highest sign-up bonus is value about $960!
- You probably have this card, you possibly can switch your TYP to companion airways miles. Moreover, with this card, you can too money out TYP at a hard and fast ratio 1 cent/level.
- [New] Earn 3x TYP at eating places, supermarkets, gasoline stations, air journey, and lodges; earn 1x TYP on all different purchases.
- [New] $100 Annual Lodge Financial savings Profit: Take pleasure in $100 off a single resort keep of $500 or extra, excluding taxes and charges, by means of thankyou.com, as soon as per calendar yr.
- No international transaction price.
Disadvantages
- $95 annual price, NOT waived for the primary yr.
Introduction to TYP
- You may earn TYP with Citi Status, Citi Premier, Citi Rewards+, Citi ATT Entry Extra, and so on.
- You may add all these playing cards into the identical thankyou.com account, and factors which might be about to run out can be redeemed first within the order during which they expire mechanically.
- Usually, TYP by no means expire. However closing account, product change, or receiving factors from different folks could trigger TYP on that account to run out.
- You probably have Citi Status 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 so on. When you use TYP on this manner, the worth is about 1.6 cents/level.
- You probably have Citi Status, you possibly can 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 manner to make use of TYP. Factors+money is on the market when redeeming for air tickets, so no want to fret when you wouldn’t have sufficient TYP.
- You may redeem your TYP at a hard and fast fee 1 cents/level in the direction of money.
- You probably have 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 value about 1.6 cents/level.
- For extra details about TYP, see Maximize the Credit score Card Factors Values (overview), and Introduction to TYP: Tips on how to Earn & Introduction to TYP: Tips on how to Use (very detailed).
Beneficial Utility Time
- [1/24 Rule] Bonus ThankYou Factors aren’t obtainable when you 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. [Update] Regardless of what the time period says, when you convert a non-TYP card (e.g. Citi AA card) to a TYP card, this motion will reset the 24 month clock and have an effect on the bonus eligibility!
- [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 authorized or not.
- Citi values the variety of latest laborious pulls lots, we advocate you apply when there’s lower than 3 laborious pulls prior to now 6 months (Citi usually requires lower than 6 laborious pulls, however this card is completely different).
- We advocate you apply for this card after you could have a credit score historical past of not less than one yr.
Abstract
In 2020, this card turns into stronger. The flexibility to earn 3x TYP on eating places and supermarkets could be very helpful. If you wish to play with the ThankYou Factors (TYP) system, you want both Citi Premier or Citi Status to make redemptions. These days Citi Status turns into weaker and weaker with a extremely excessive annual price, and Citi Premier is a more sensible choice for most individuals in my view.
Associated Credit score Playing cards
Beneficial Downgrade Choices
- Citi Rewards+. We advocate you downgrade this card to those no annual price playing cards that may earn TYP, as a result of you possibly can maintain your TYP in that case. When you downgrade this card to DC/Dividend, the TYP you earned from this card will expire in 60 days.
Historic Affords Chart
Notice 1: The provide earlier than 2015.4 is: earn 20k TYP after spending $2000 within the first 3 months, and one other 30k after spending $3000 within the first 3 months of subsequent yr.
Notice 2: The 60k provide in 2015.9 is a particular hyperlink, and it most likely is a glitch, so we must always not anticipate it to seem once more within the close to future.