[2026.11 Update] In addition to the 60k supply offered by Citi itself, third celebration web site Rakuten gives and extra $170 cashback.

[2026.9 Update2] In addition to the 60k supply offered by Citi itself, third celebration web site Rakuten gives and extra $150 cashback.

[2026.9 Update] Citi has up to date the churn rule for its Strata lineup, adopting an AmEx-style once-in-a-lifetime restriction.

[2026.7 Update] In addition to the 60k supply offered by Citi itself, third celebration web site Rakuten gives a further $100 cashback. Be aware that for those who select to earn MR on Rakuten you may even see $0 extra cashback, it is advisable to select to earn cashback/Bilt on Rakuten. HT: DoC.

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Advantages

1. 60k supply: earn 60,000 ThankYou Factors (TYP) after spending $4,000 in first 3 months. One of the best latest supply is 80k.
2. 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!
3. When you have this card, you’ll be able to switch your TYP to companion airways miles. In addition to, with this card, you can too money out TYP at a hard and fast ratio 1 cent/level.
4. Factors Incomes Buildings:
   • 10x TYP on Lodge, Automobile Leases and Points of interest booked by CitiTravel.com.
   • 3x TYP at Air Journey and Different Lodge Purchases, at Eating places, Supermarkets, Gasoline Stations, and EV Charging Stations;
   • 1x TYP on all different purchases.
5. $100 Annual Lodge Financial savings Profit: Get pleasure from $100 off a single lodge keep of $500 or extra, excluding taxes and charges, by thankyou.com, as soon as per calendar yr.
6. Journey Delay Insurance coverage (6 hours).
7. No international transaction price.

Disadvantages

1. $95 annual price, NOT waived for the primary yr.

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 so on.
• You’ll be able to add all these playing cards into the identical thankyou.com account, and factors which are about to run out will likely be redeemed first within the order wherein they expire robotically.
• Normally, 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.
• When you have Citi Strata Premier or Citi Strata Elite or Citi Status (Discontinued), TYP may be transferred to some airline miles. One of the best ways 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. If you happen to use TYP on this approach, the worth is about 1.6 cents/level.
• You’ll be able to redeem your TYP at a hard and fast fee 1 cent/level in the direction of money.
• When you have Citi Status (Discontinued), you’ll be able to redeem your TYP at a hard and fast fee 1.25 cents/level in the direction of air tickets on thankyou.com. It is a frequent approach to make use of TYP. Factors+money is accessible when redeeming for air tickets, so no want to fret for those who do not need sufficient TYP.
• When you have Citi Rewards+ (Discontinued), you may get 10% again when redeeming TYP, as much as 100k TYP per yr. This characteristic 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: Tips on how to Earn & Introduction to TYP: Tips on how to Use (very detailed).

Advisable Utility Time

1. [New] [Once Per Lifetime Language] New account bonus supply is not obtainable for those who presently have or beforehand had this card.
2. [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, irrespective of authorized or not.
3. Citi values the variety of latest arduous pulls rather a lot, we suggest you apply when there’s lower than 3 arduous pulls previously 6 months (Citi usually requires lower than 6 arduous pulls, however this card is totally different).
4. We suggest you apply for this card after you will have a credit score historical past of a minimum of one yr.

Abstract

In 2020, this card turned stronger. The flexibility to earn 3x TYP on eating places and supermarkets may be very helpful. If you wish to play with the ThankYou Factors (TYP) system, you want both Citi Premier or Citi Status to make redemptions. These days Citi Status turns into weaker and weaker with a very excessive annual price, and Citi Premier is a more sensible choice for most individuals for my part.

Associated Credit score Playing cards

Advisable Downgrade Choices

• Citi Rewards+. We suggest you downgrade this card to those no annual price playing cards that may earn TYP, as a result of you’ll be able to maintain your TYP in that case. If you happen to downgrade this card to DC/Dividend, the TYP you earned from this card will expire in 60 days.

Historic Presents 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 yr.

Be aware 2: The 60k supply in 2015.9 is a particular hyperlink, and it most likely is a glitch, so we should always not count on it to look once more within the close to future.

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