2025.7 Replace: It appears ranging from 2019, Citigold added a $200 Subscription Rebate profit: earn up $200 in assertion credit for subscriptions made with: Amazon Prime, Costco, Audible, Hulu, Spotify, TSA PreCheck, World Entry.
2024.10 Replace: The brand new supply is $1,500 with $200k deposit requirement.
2024.1 Replace: The brand new bonus is $1,500/$2,500 with deposit requirement $200k/$300k. The bonus supply appears good, however requiring $200,000 within the checking account (not together with financial savings or brokerage account!) is insane in my view. These days a easy financial savings account may give you 5%+ APY, so this bonus is totally not value it.
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Advantages
- $1,500 sign-up bonus! Please learn beneath for the necessities to get this bonus.
- No month-to-month price. However So as to be eligible, you will need to keep $200,000 in mixed common month-to-month steadiness in all eligible deposit, retirement, and funding accounts.
- [New] $200 Subscription Rebate: earn up $200 in assertion credit for subscriptions made with: Amazon Prime, Costco, Audible, Hulu, Spotify, TSA PreCheck, World Entry.
- Discounted annual charges for some premium bank cards from Citi. The diminished annual charges stay even in case you shut your Citigold account thereafter.
- Free entry to non-Citi ATM.
- $0 Early Termination Payment. So you’ll be able to shut your account at any time, or you’ll be able to downgrade it to the fundamental model checking account.
Bonus Necessities
- This bonus is barely accessible for brand spanking new shoppers. Those that at the moment have a Citi checking or financial savings account, or have closed an account inside 180 days are usually not eligible for this supply. These with a Citi bank card are usually not exempt from these guidelines.
- Deposit New-to-Citibank Funds into your new checking account inside 20 days of account opening. Preserve the required minimal steadiness in your eligible account for a further 60 days from the twenty first day. See the next desk for the relation of bonus and quantity of deposit:
Deposit Quantity Bonus $30,000 $500 $200,000 $1,500 - Word: solely the common financial savings account counts, the brand new product “Citi Speed up Financial savings” with greater rate of interest doesn’t rely.
Completely different Citi Checking Accounts
Here’s a comparability and distinction on the official web site.
Abstract
Citigold was once accessible to everybody so long as you might be prepared to pay the month-to-month price. Nonetheless, after Nov. 2016, Citigold requires a steadiness of not less than $200,000 to take care of the account. Now solely wealthy individuals can contemplate this account. The $1,500 bonus supply appears good, however requiring $200,000 within the checking account (not together with financial savings or brokerage account!) is insane in my view. The equal APY is about 4.5%+ if the fund is within the account for precisely 60 days, and decrease if the funds is caught there for longer. These days a easy financial savings account may give you 5%+ APY, so this bonus is totally not value it.
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