Citi Thank You Can You Get the Sign Up Bonus Again
Citibank is currently running an 60,000-bespeak offering for the Citi Premier® Card (our review). This is one of the aristocracy travel cards with an annual fee under $100, and information technology earns some of the nearly valuable points out there.
Citi Premier® Card
Citi Premier® Card
Almanac Fee$95
Welcome Offering Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases inside the first iii months of account opening
The Citi Premier carte offers some of the pinnacle earning rates of any rewards card with an almanac fee under $100. This menu is all-time-in-form for rewards on air travel and hotel spending, and it tops our list of the best cards for gas & fuel purchases with a generous 3X ThankYou® Points.
- 60,000 bespeak signup bonus worth $800 towards airfare through the ThankYou Travel Center, or potentially much more when transferred to airline partners
- 3X points per $1 on airfare and hotels and at gas stations, restaurants, and supermarkets
- Annual Hotel Benefit: Relieve $100 off a unmarried hotel stay of $500 or more (excluding taxes and fees) when you volume through ThankYou.com
- No foreign transaction fees
- $95 annual fee
- 3X points per $1 spent on airfare, hotels, and at gas stations
- 3X points per $1 spent on dining at restaurants, including cafes, confined and lounges
- 3X points per $1 spent at supermarkets
- 1X points per $one spent on all other purchases
Simply are you lot eligible to apply? And more importantly, if you're canonical for a new Citi Premier menu, can y'all earn the lucrative welcome bonus of threescore,000 bonus ThankYou points?
In this post, we'll comprehend the rules for who can apply for a Citi-issued credit card—and who is eligible to earn a welcome bonus.
Citi Application Rules
Similar many card issuers, Citi implements a few policies designed to brand certain new bill of fare applicants are the type of customers they desire to acquire. If y'all aren't already familiar with why these rules be, check out our guide to creating a healthy relationship with the banks.
With Citibank, in that location are two important, simply subtly unlike restrictions to sympathise:
- The first set of rules relates to when tin can you successfully apply for a carte du jour (the timing of your application). If you fail to follow these guidelines, Citi may not even process your application. These restrictions employ to all cards issued by Citibank.
- The 2d set of rules relates to whether y'all tin can earn the signup bonus being marketed to new cardmembers. Indeed, you may be able to apply for a carte successfully. But, if yous run afoul of this 2d type of restriction, you could terminate up getting approved for the card only to notice that y'all aren't eligible to earn a new cardmember bonus.
When Can You Use?
Citi's rules about application timing are best described every bit unofficial, internal rules. You won't find these restrictions published on Citi's website or application pages. But thanks to many applicants who shared information about their experience, the points-and-miles community has by and large been able to concord on the following:
For personal (consumer) credit cards, Citi volition accept a maximum of one (1) application in an eight-day menstruation and a maximum of two (2) applications in a sixty-day menstruation.
In other words, your application volition be rejected if either of the post-obit is true:
- You've applied for any Citi menu in the past 8 days
- Yous've practical for ii Citi cards in the past lx days (many sources suggest waiting until day 65 to be safe)
For business concern cards, Citi will accept a new application just in one case per ninety days.
The restrictions described above are oft referred to past the shorthand "Citi viii/65 rule". And then, to make up one's mind your eligibility, you need to track the dates you applied for Citi-issued credit cards. The date your application was approved or denied doesn't matter.
When Can You Earn a Welcome Bonus?
Much of the confusion about Citi's application rules centers on i's eligibility to earn a welcome bonus if canonical for a new bill of fare. Citi groups its products into families of cards that earn the aforementioned blazon of rewards. For each family of cards, Citi publishes eligibility criteria stating who can earn a welcome bonus.
The disruptive part is that your eligibility can exist affected past two factors:
- When yous last earned a welcome bonus from i of the cards in the family
- When you final closed a carte account that belongs to the same product family
And then, allow'due south have a closer look at how these rules are enforced for Citi ThankYou cards.
Earning a ThankYou Rewards Bonus
Citi ThankYou cards are subject to a 24-month rule. This dominion is generally disclosed on a menu's application page with the following linguistic communication:
Bonus ThankYou® Points are not available if you received a new cardmember bonus for Citi Rewards+®, Citi ThankYou® Preferred, Citi ThankYou® Premier/Citi Premier® or Citi Prestige®, or if you take closed any of these accounts, in the past 24 months.
In this example, in that location are 4 rewards cards that can bear on your eligibility for a welcome bonus on a new ThankYou menu:
- Citi Premier® Card
- Citi Rewards+® Carte du jour
- Citi ThankYou® Preferred Card (no longer bachelor to new applicants)
- Citi Prestige® Card (no longer bachelor to new applicants)
If you've ever had any of these cards, you need to determine when you earned a signup bonus (if at all) and when you closed your business relationship (if applicable).
When You Earned a Welcome Bonus
With most new-cardmember offers, the welcome bonus is earned later meeting a minimum spending requirement—typically during the commencement three months after your account is approved. It should be relatively piece of cake to pivot downwards this date by looking at the transaction history on your ThankYou Rewards business relationship.
If you aren't certain exactly when you earned a bonus, y'all can estimate the date by adding iii months to the date your awarding was approved.
In the rare scenario where you opened a card but failed to earn a welcome bonus, most sources seem to agree that your eligibility will non be impacted. However, there aren't a lot of data points bachelor.
When You lot Airtight a ThankYou Card
The role almost endmost a bill of fare can be harder to wrap your head effectually. In simple terms, when you lot close a ThankYou account, Citi starts a 24-calendar month countdown. You lot won't be eligible to earn a welcome bonus on another ThankYou card until at least 24 months after your closed the account.
Citi's restriction of bonuses for closing a card is unique in the points-and-miles globe, and it creates some odd situations. For example, if y'all hold the Prestige Menu, you're eligible for a welcome bonus on the Citi Premier equally long as it has been 24 months since you lot earned your Prestige Card welcome bonus.
But if you shut your Prestige Card account tomorrow, yous'll instantly become ineligible to earn a ThankYou-indicate welcome bonus for two total years.
ThankYou Cards that Aren't (Currently) Included in the 24-Month Rule
There are two cards that aren't affected past Citi'south current ThankYou bonus restriction:
- Citi® Double Greenbacks Card
- Citi Custom Cash℠ Card
Both of these cards are related to the other ThankYou rewards cards, only both are designed as cash back cards. So, Citi hasn't included them in the 24-month rule. Earning a welcome bonus or closing 1 of these cards won't bear on your eligibility for the Citi Premier or another ThankYou card.
Final Thoughts
When a bank offers a signup bonus, it's betting that information technology will be able to compensate that cost over the life of its human relationship with the new customer. In recent years, nosotros've seen increasingly sophisticated rules to exclude the customers that banks don't call up will exist assisting. These restrictions aren't always easy to empathize, but learning the basics is critical to a successful points and miles strategy.
Along with Chase Ultimate Rewards and Amex Membership Rewards, Citi'due south ThankYou points are among the most valuable and versatile points yous tin can earn. The current threescore,000-point offer on the Citi Premier is an excellent bonus that should give all points and miles collectors a skilful reason to review Citi's application rules.
If y'all're eligible to earn this bonus, it's hard to imagine a better opportunity than this to apply.
Citi Premier® Card
Citi Premier® Carte
Annual Fee$95
Welcome Offer Earn 60,000 bonus ThankYou® Points later on y'all spend $four,000 in purchases within the commencement 3 months of account opening
The Citi Premier card offers some of the height earning rates of any rewards bill of fare with an annual fee nether $100. This card is best-in-course for rewards on air travel and hotel spending, and it tops our listing of the best cards for gas & fuel purchases with a generous 3X ThankYou® Points.
- lx,000 point signup bonus worth $800 towards airfare through the ThankYou Travel Heart, or potentially much more when transferred to airline partners
- 3X points per $1 on airfare and hotels and at gas stations, restaurants, and supermarkets
- Annual Hotel Benefit: Save $100 off a unmarried hotel stay of $500 or more (excluding taxes and fees) when you book through ThankYou.com
- No foreign transaction fees
- $95 annual fee
- 3X points per $1 spent on airfare, hotels, and at gas stations
- 3X points per $1 spent on dining at restaurants, including cafes, bars and lounges
- 3X points per $1 spent at supermarkets
- 1X points per $ane spent on all other purchases
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the depository financial institution advertiser'south responsibility to ensure all posts and/or questions are answered.
Source: https://awardwallet.com/blog/citi-thankyou-application-rules/
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