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Advantages
- 80k Welcome Bonus: Earn 80,000 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 value roughly $1,280!
- Factors Switch: Factors earned from this card might be transferred to airline and resort companions. You too can redeem them for money at a set 1 cent/level price.
- Factors Incomes Buildings:
- 12x TYP on Motels, Automobile Leases, and Sights booked by means of Citi Journey
- 6x TYP on Flights booked by way of Citi Journey
- 6x TYP on Eating throughout “Citi Nights” (Fridays & Saturdays, 6 PM – 6 AM ET)
- 3x TYP on Eating (common hours)
- 1.5x TYP on all different purchases
- $300 Resort Credit score: As much as $300 per calendar yr in assertion credit for resort bookings of two nights or extra by means of Citi Journey.
- $200 Splurge Credit score: Stand up to $200 in annual credit at as much as 2 chosen companion retailers. Present retailers embody Ticketmaster, Dwell Nation, and American Airways. (Present card purchases might qualify based mostly on information factors.)
- $200 Blacklane Credit score: Obtain $100 credit score each 6 months for Blacklane airport switch providers.
- 4 Admirals Membership Passes: 4 American Airways Admirals Membership passes per calendar yr.
- Precedence Go Choose: Cardholders obtain a separate Precedence Go Choose membership for lounge entry worldwide. Cardholder can carry as much as 2 visitors without spending a dime.
- No International Transaction Charges.
Disadvantages
- $595 Annual Payment: Not waived the primary yr. Word: Annual charges don’t rely towards the welcome bonus spending requirement.
Really helpful Utility Time
- You’re ineligible for the bonus should you’ve opened or transformed to this card and obtained a bonus inside the previous 48 months.
- [8/65 Rule] You’ll be able to apply for at most 1 Citi playing cards each 8 days, and at most 2 Citi playing cards each 65 days, regardless of accepted or not.
- Greatest to use with fewer than 3 onerous inquiries within the final 6 months (regardless that Citi’s restrict is 6).
- Citi values the variety of latest onerous pulls lots, we advocate you apply when there’s lower than 3 onerous pulls up to now 6 months (Citi usually requires lower than 6 onerous pulls, however this card is completely different).
- We advocate you apply for this card after you’ve a credit score historical past of not less than one yr.
Abstract
This card will not be very compelling, with a $595 annual payment and solely 80k limited-time welcome provide. The assertion credit are comparatively straightforward to make use of (not month-to-month like different playing cards), however even should you maximize the $300 resort and $200 Splurge credit, it barely offsets the payment.
Until you guide lots by means of CitiTravel, it’s onerous to justify this card. In case your fundamental aim is to switch TYP to journey companions, the Citi Strata Premier ($95 annual payment) is greater than sufficient.
Associated Playing cards
Really helpful Downgrade Choices
- Citi Strata: Greatest downgrade path to protect TYP. Downgrading to non-TYP playing cards like Citi Double Money or Customized Money might trigger current TYP to run out in 60 days.
Historic Gives Chart
Word 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.
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