Citi ThankYou Most well-liked Credit score Card Overview (2018.12 Replace: Discontinued?)


December 20, 2018

2018.12 Replace: This card has disappeared from Citi’s bank card checklist, and former utility hyperlink is now pointing to a “Web page Not Discovered” web page. We aren’t positive whether or not you may nonetheless downgrade one other card to this one. It appears the entire ThankYou Factors (TYP) system is getting deserted, as now there are solely two TYP playing cards you may apply: Citi Premier and Citi AT&T no charge model.

2017.10 Replace: All earlier hyperlinks are lifeless. There’s no welcome supply now.

Utility Hyperlink

Advantages

Earn 15,000 ThankYou Factors after spending $1,000 in first three months. We estimate that ThankYou Factors (TYP) are value about 1.three cents/level, see beneath for a short introduction. So the 30okay highest sign-up bonus might be value about $390.Earn 2 ThankYou Factors per $1 spent on eating and leisure, 1 ThankYou Level per $1 spent on different purchases.No annual charge.Citi retention supply (supply for cardholders who desires to shut their accounts) is usually very beneficiant, however nonetheless, YMMV (Your mileage could fluctuate).

Disadvantages

It has international transaction charge, so it isn’t a good selection outdoors the US.Due to Citi’s new supply rule, in the event you apply for this card, you’ll lose the prospect to get the sign-up bonus for Citi Status or Citi ThankYou Premier within the subsequent 24 months!

Introduction to TYP

You may earn TYP with Citi Status, Citi ThankYou Premier, Citi ThankYou Most well-liked, Citi ATT Entry Extra, and many others.You may 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 through which they expire mechanically.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.When you’ve got Citi Status or Citi ThankYou 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.When you’ve got Citi Status or Citi ThankYou Premier, you may redeem your TYP at a hard and fast price 1.25 cents/level in direction of air tickets on thankyou.com; if in case you have Citi ThankYou Premier, you may redeem your TYP at a hard and fast price 1.25 cents/level in direction of motels on thankyou.com. This is among the commonest means to make use of TYP. Factors+money is obtainable when redeeming for air tickets, so no want to fret in the event you do not need sufficient TYP.When you’ve got Citi Status, otherwise you use the “Scholar Mortgage Rebate” trick, then you may redeem your TYP at a hard and fast price 1 cents/level in direction of money.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: The right way to Earn & Introduction to TYP: The right way to Use (very detailed).

Really helpful Utility Time

[1/24 Rule] Bonus ThankYou factors usually are not out there if in case you have had ThankYou Most well-liked, ThankYou Premier or Citi Status card opened or closed up to now 24 months. Product change is handled as account closure.[8/65 Rule] You may apply for at most 1 Citi playing cards each eight days, and at most 2 Citi playing cards each 65 days, irrespective of authorised or not.Citi values the variety of latest laborious pulls rather a lot, we advocate you apply when there’s lower than 6 laborious pulls up to now 6 months.This is among the most best Citi card to get, however we nonetheless advocate you apply for this card after you might have a credit score historical past of at the very least half a 12 months.

Abstract

Due to Citi’s new supply rule, in the event you apply for this card, you’ll lose the prospect to get the sign-up bonus for Citi Status or Citi ThankYou Premier within the subsequent 24 months! So we strongly advocate to not apply for this card, simply deal with this card as a downgrade choice.

Associated Credit score Playing cards

After Making use of

Name 888-201-4523 to verify Citi utility standing.Citi reconsideration backdoor quantity: 605-331-1698. It is a so known as “Citi EO” (Govt Workplace) telephone quantity. This telephone quantity is just not designed to make reconsiderations, however the representatives are actually useful.

Historic Affords Chart

Utility Hyperlink

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