2023.4 Replace: The present provide is 75k TYP after $4000 spend in 4 months. Slightly decrease than the 80k finest ever provide.

2023.1 Replace: The 80k provide is expired. The present provide is 60k.

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Advantages

1. 75k provide: earn 75,000 ThankYou Factors (TYP) after spending $4,000 in first 3 months. The latest finest provide is 80k.
2. We estimate that ThankYou Factors (TYP) are value about 1.6 cents/level, see beneath for a quick introduction. So the 80k highest sign-up bonus is value about $1,280!
3. You probably have this card, you possibly can switch your TYP to companion airways miles. In addition to, with this card, you may as well money out TYP at a hard and fast ratio 1 cent/level.
4. [New] Earn 3x TYP at eating places, supermarkets, gasoline stations, air journey, and resorts; earn 1x TYP on all different purchases.
5. [New] $100 Annual Resort Financial savings Profit: Get pleasure from $100 off a single lodge keep of $500 or extra, excluding taxes and charges, by thankyou.com, as soon as per calendar yr.
6. No international transaction price.

Disadvantages

1. $95 annual price, NOT waived for the primary yr.

Introduction to TYP

• You may earn TYP with Citi Premier, Citi Rewards+, Citi Customized Money, Citi Double Money, and many others.
• You may add all these playing cards into the identical thankyou.com account, and factors which can be about to run out will likely be redeemed first within the order during which they expire routinely.
• Generally, 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 will 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. If you happen to use TYP on this means, the worth is about 1.6 cents/level.
• You probably have Citi Status, you possibly can redeem your TYP at a hard and fast charge 1.25 cents/level in direction of air tickets on thankyou.com. It is a widespread means to make use of TYP. Factors+money is on the market when redeeming for air tickets, so no want to fret in case you do not need sufficient TYP.
• You probably have Citi Status or Citi Premier or Citi Customized Money or Citi Double Money, you possibly can redeem your TYP at a hard and fast charge 1 cents/level in direction of money.
• You probably have Citi Rewards+, you may get 10% again when redeeming TYP, as much as 100k TYP per yr. This function 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: Find out how to Earn & Introduction to TYP: Find out how to Use (very detailed).

Really helpful Software Time

1. [1/24 Rule] Bonus ThankYou Factors are usually not out there in case you obtained a brand new cardmember bonus for Citi Rewards+, Citi ThankYou Most well-liked, Citi Premier or Citi Status, or when you have closed any of those playing cards, previously 24 months. Product change is handled as account closure if the account quantity is modified. [Update] Regardless of what the time period says, in case 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!
2. You’ll not qualify for the provide when you have obtained the bonus provide for opening a brand new Citi Premier card previously 48 months.
3. [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, irrespective of permitted or not.
4. Citi values the variety of latest laborious pulls lots, we suggest you apply when there’s lower than 3 laborious pulls previously 6 months (Citi usually requires lower than 6 laborious pulls, however this card is totally different).
5. We suggest you apply for this card after you may have a credit score historical past of no 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 very excessive annual price, and Citi Premier is a better option for most individuals for my part.

Associated Credit score Playing cards

Really helpful Downgrade Choices

• Citi Rewards+. We suggest you downgrade this card to those no annual price playing cards that may earn TYP, as a result of you possibly can hold your TYP if that’s the case. If you happen to downgrade this card to DC/Dividend, the TYP you earned from this card will expire in 60 days.

Historic Affords Chart

Observe 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.

Observe 2: The 60k provide in 2015.9 is a particular hyperlink, and it in all probability is a glitch, so we should always not count on it to seem once more within the close to future.

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