2023.4 Replace: 25k supply is again! That is one of the best ever supply of this card.

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Advantages

1. 25k supply: earn 25,000 ThankYou Factors after spending $1,500 in first 3 months. That is one of the best supply (on-line) on this card.
2. We estimate that ThankYou Factors (TYP) are price about 1.6 cents/level, see beneath for a quick introduction. So the 20k sign-up bonus is price about $320.
3. 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.
4. Rounding up: your earnings on all purchases are rounded as much as the closest 10 factors. For instance, in case you earn 4 TYP for a purchase order, you’ll truly earn 10 TYP. With no cap!
5. 10% Factors Again for the primary 100,000 ThankYou Factors you redeem per yr. Word which you could not use this card to switch TYP to airline miles although, so I guess this profit is just not helpful for most individuals. The ten% factors again profit works whenever you redeem TYP (together with transferring to airline miles) from different bank cards as effectively! So long as you mix the TYP accounts from all of your TYP associated bank cards (you might must name for this).
6. No annual charge.

Disadvantages

1. It has international transaction charge, so it isn’t a good selection outdoors the US.
2. Due to Citi’s 1/24 rule, in case you 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! Moreover, in case you convert a non-TYP card (e.g. Citi AA card) to a TYP card, this motion may even reset the 24 month clock and have an effect on the bonus eligibility! Seems to be like Citi has eliminated this rule.

Introduction to TYP

• You may earn TYP with Citi Premier, Citi Rewards+, Citi Customized Money, Citi Double Money, and so forth.
• 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 by which they expire routinely.
• Usually, 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.
• When you’ve got Citi Status or Citi Premier, TYP may be transferred to some airline miles. The easiest way 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 forth. For those who use TYP on this means, the worth is about 1.6 cents/level.
• When you’ve got Citi Status, you’ll be able to redeem your TYP at a set charge 1.25 cents/level in the direction of air tickets on thankyou.com. This can be a widespread means to make use of TYP. Factors+money is offered when redeeming for air tickets, so no want to fret in case you would not have sufficient TYP.
• When you’ve got Citi Status or Citi Premier or Citi Customized Money or Citi Double Money, you’ll be able to redeem your TYP at a set charge 1 cents/level in the direction of money.
• When you’ve got 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 price about 1.6 cents/level.
• For extra details about TYP, see Maximize the Credit score Card Factors Values (overview), and Introduction to TYP: The right way to Earn & Introduction to TYP: The right way to Use (very detailed).

Beneficial Utility Time

1. [1/24 Rule] Bonus ThankYou Factors aren’t out there in case you obtained a brand new cardmember bonus for Citi Rewards+, Citi ThankYou Most popular, Citi Premier or Citi Status, or when you have closed any of those playing cards, prior to now 24 months. Product change is handled as account closure if the account quantity is modified.
2. You’ll not obtain the bonus when you have obtained a bonus supply for opening Citi Rewards+ card prior to now 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 authorized or not.
4. Citi values the variety of current exhausting pulls quite a bit, we advocate you apply when there’s lower than 6 exhausting pulls prior to now 6 months.
5. This is among 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 not less than half a yr.

Abstract

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 yr. Information factors present that, the ten% factors again profit works whenever you redeem TYP (together with transferring to airline miles) from different bank cards as effectively! So long as you mix the TYP accounts from all of your TYP associated bank cards (you might must name for this). This makes this card extra beneficial: if you have already got plans to redeem TYP, then merely preserving this card means Citi provides you with further TYP free of charge, as much as 10k TYP per yr.

Generally, this card is an excellent downgrade choice for TYP sequence bank cards.

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