2025.10 Replace: The net provide is now 100k, which is the perfect ever provide on this card!

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Advantages

• 100k Welcome Bonus: Earn 100,000 ThankYou Factors (TYP) after spending $6,000 inside the first 3 months of account opening. That is the perfect provide on this card.
• We worth TYP at 1.6 cents/level, making the 100k highest welcome bonus value roughly $1,600!
• Factors Switch: Factors earned from this card might be transferred to airline and lodge companions. You too can redeem them for money at a set 1 cent/level fee.
• Factors Incomes Buildings:
  • 12x TYP on Motels, Automobile Leases, and Sights booked by 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 lodge bookings of two nights or extra by Citi Journey.
• $200 Splurge Credit score: Stand up to $200 in annual credit at as much as 2 chosen accomplice retailers. Present retailers embody: 1stDibs, American Airways (exclusions apply), Finest Purchase, Future Private Coaching, and Dwell Nation (exclusions apply).
• $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 Cross Choose: Cardholders obtain a separate Precedence Cross Choose membership for lounge entry worldwide. Cardholder can deliver as much as 2 visitors at no cost.
• No international transaction payment.

Disadvantages

• $595 Annual Payment: Not waived the primary yr. Citigold members ($200k property required) get a $145 annual payment low cost, which makes the annual payment $450. Observe: Annual charges don’t depend towards the welcome bonus spending requirement.

Introduction to TYP

• You’ll be able to earn TYP with Citi Strata Elite, Citi Strata Premier, Citi Strata, Citi Customized Money, Citi Double Money, and many others.
• You’ll be able to add all these playing cards into the identical thankyou.com account, and factors which might be about to run out will probably be redeemed first within the order wherein they expire routinely.
• Generally, 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.
• In case you have Citi Strata Premier or Citi Strata Elite or Citi Status (Discontinued), TYP might 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 many others. If you happen to use TYP on this method, the worth is about 1.6 cents/level.
• You’ll be able to redeem your TYP at a set fee 1 cents/level in direction of money.
• In case you have Citi Status (Discontinued), you may redeem your TYP at a set fee 1.25 cents/level in direction of air tickets on thankyou.com. This can be a frequent method to make use of TYP. Factors+money is offered when redeeming for air tickets, so no want to fret should you would not have sufficient TYP.
• In case you have Citi Rewards+ (Discontinued), you may get 10% again when redeeming TYP, as much as 100k TYP per yr. This function additional boosts the worth of TYP. [Expired]
• In abstract, we estimate that TYP are value 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).

Really useful Software Time

• [1/48 Rule] Bonus ThankYou^®Factors will not be obtainable in case you have obtained a brand new account bonus for a Citi Strata Elite^℠ account up to now 48 months or should 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 Elite.
• [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 authorized or not.
• Finest 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 current onerous pulls rather a lot, we advocate you apply when there’s lower than 3 onerous pulls up to now 6 months (Citi typically requires lower than 6 onerous pulls, however this card is totally different).
• We advocate you apply for this card after you’ve gotten a credit score historical past of no less than one yr.

Abstract

This card shouldn’t 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 lodge and $200 Splurge credit, it barely offsets the payment.

Except you guide rather a lot by CitiTravel, it’s onerous to justify this card. In case your essential aim is to switch TYP to journey companions, the Citi Strata Premier ($95 annual payment) is greater than sufficient.

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Really useful Downgrade Choices

• Citi Strata: Finest downgrade path to protect TYP. Downgrading to non-TYP playing cards like Citi Double Money or Customized Money could trigger present TYP to run out in 60 days.

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