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2023.4 Replace: The present supply is 75k TYP after $4000 spend in 4 months. Slightly decrease than the 80k greatest ever supply.
2023.1 Replace: The 80k supply is expired. The present supply is 60k.
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Advantages
- 75k supply: earn 75,000 ThankYou Factors (TYP) after spending $4,000 in first 3 months. The current greatest supply is 80k.
- 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!
- You probably have this card, you possibly can switch your TYP to accomplice airways miles. Moreover, with this card, you may also money out TYP at a hard and fast ratio 1 cent/level.
- [New] Earn 3x TYP at eating places, supermarkets, gasoline stations, air journey, and inns; earn 1x TYP on all different purchases.
- [New] $100 Annual Resort Financial savings Profit: Take pleasure in $100 off a single lodge keep of $500 or extra, excluding taxes and costs, by means of thankyou.com, as soon as per calendar 12 months.
- No overseas transaction price.
Disadvantages
- $95 annual price, NOT waived for the primary 12 months.
Introduction to TYP
- You possibly can earn TYP with Citi Premier, Citi Rewards+, Citi Custom Cash, Citi Double Cash, and many others.
- You possibly can add all these playing cards into the identical thankyou.com account, and factors which are about to run out might be redeemed first within the order by which they expire routinely.
- Normally, TYP by no means expire. However closing account, product change, or receiving factors from different individuals could trigger TYP on that account to run out.
- You probably have Citi Prestige or Citi Premier, TYP might 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. Should you use TYP on this means, the worth is about 1.6 cents/level.
- You probably have Citi Prestige, you possibly can redeem your TYP at a hard and fast charge 1.25 cents/level in direction of air tickets on thankyou.com. This can be a frequent 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 shouldn't have sufficient TYP.
- You probably have Citi Prestige or Citi Premier or Citi Custom Cash or Citi Double Cash, 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 will get 10% again when redeeming TYP, as much as 100k TYP per 12 months. 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 Card Points Values (overview), and Introduction to TYP: How to Earn & Introduction to TYP: How to Use (very detailed).
Beneficial Utility Time
[1/24 Rule] Bonus ThankYou Factors are usually not accessible in case you acquired a brand new cardmember bonus for Citi Rewards+, Citi ThankYou Most well-liked, Citi Premier or Citi Status, or if in case 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. [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!- You'll not qualify for the supply if in case you have acquired the bonus supply for opening a brand new Citi Premier card prior to now 48 months.
- [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, regardless of authorized or not.
- Citi values the variety of current onerous pulls so much, we advocate you apply when there’s lower than 3 onerous pulls prior to now 6 months (Citi usually requires lower than 6 onerous pulls, however this card is totally different).
- We advocate you apply for this card after you may have a credit score historical past of at the least one 12 months.
Abstract
In 2020, this card turns into stronger. The power 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 Prestige to make redemptions. These days Citi Prestige turns into weaker and weaker with a extremely excessive annual price, and Citi Premier is a more sensible choice for most individuals for my part.
Associated Credit score Playing cards
Beneficial Downgrade Choices
- Citi Rewards+. We advocate you downgrade this card to those no annual price playing cards that may earn TYP, as a result of you possibly can preserve your TYP if that's the case. Should you downgrade this card to DC/Dividend, the TYP you earned from this card will expire in 60 days.
Historic Provides Chart
Be aware 1: The supply 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 12 months.
Be aware 2: The 60k supply in 2015.9 is a particular hyperlink, and it in all probability is a glitch, so we must always not count on it to look once more within the close to future.
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