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Advantages
- 30k Welcome Bonus: Earn 30,000 ThankYou Factors (TYP) after spending $4,000 inside the first 3 months of account opening.
- We worth TYP at 1.6 cents/level, making the welcome bonus price roughly $480.
- Factors Incomes Buildings:
- 5x TYP on Accommodations, Automobile Leases, and Points of interest booked via Citi Journey
- 3x TYP at Supermarkets, Choose Transit, and Gasoline & EV Charging Stations
- 3x TYP in an eligible Self-Choose Class of your alternative (Health Golf equipment, Choose Streaming Providers, Dwell Leisure, Beauty Shops/Barber Outlets/Hair Salons, or Pet Provide Shops)
- 2x TYP at Eating places
- 1x TYP on all different purchases
- No annual charge.
Disadvantages
- It has international transaction charge, so it is not a sensible choice outdoors the US.
Introduction to TYP
- You possibly can earn TYP with Citi Strata Elite, Citi Strata Premier, Citi Strata, Citi Customized Money, Citi Double Money, and so on.
- You possibly can add all these playing cards into the identical thankyou.com account, and factors which are about to run out can be redeemed first within the order through 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 Strata Premier or Citi Strata Elite or Citi Status (Discontinued), TYP could be transferred to some airline miles. The easiest way to make use of TYP is to 1:1 switch them to American Airways miles (Oneworld) or EVA Air (BR) miles (Star Alliance). Different good choices are: Cathay Pacific (CX) miles (Oneworld), Avianca (AV) miles (Star Alliance), Singapore Airways (SQ) miles (Star Alliance), Flying Blue miles (SkyTeam), Virgin Atlantic (VS) miles (Non-alliance), and so on. In the event you use TYP on this approach, the worth is about 1.6 cents/level.
- You possibly can redeem your TYP at a hard and fast fee 1 cents/level in direction of money.
- You probably have Citi Status (Discontinued), you possibly can redeem your TYP at a hard and fast fee 1.25 cents/level in direction of air tickets on thankyou.com. It is a frequent approach to make use of TYP. Factors+money is on the market when redeeming for air tickets, so no want to fret in the event you do not need sufficient TYP.
You probably have Citi Rewards+ (Discontinued), you may get 10% again when redeeming TYP, as much as 100k TYP per 12 months. This function additional boosts the worth of TYP.[Expired]- 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: How one can Earn & Introduction to TYP: How one can Use (very detailed).
Beneficial Utility Time
- [1/48 Rule] Bonus ThankYou® Factors should not out there in the event you obtained a brand new account bonus for Citi Strata℠, Citi Strata Pupil, Citi Rewards+® or Citi Rewards+ Pupil account prior to now 48 months or in the event you transformed one other Citi bank card account on which you earned a brand new account bonus within the final 48 months right into a Citi Strata℠, Citi Strata Pupil, Citi Rewards+® or Citi Rewards+ Pupil account.
- [8/65 Rule] You possibly can apply for at most 1 Citi playing cards each 8 days, and at most 2 Citi playing cards each 65 days, irrespective of authorised or not.
- Greatest to use with fewer than 3 laborious inquiries within the final 6 months (despite the fact that Citi’s restrict is 6).
- Citi values the variety of current 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 totally different).
- We advocate you apply for this card after you’ve a credit score historical past of at the very least one 12 months.
Abstract
As a no-annual-fee card, this one affords a reasonably stable rewards fee on grocery store and gasoline/EV charging purchases.
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