Apr 14, 2016, 7:52 am
Last edit by: garykung
CitiGold is Citi's premium banking relationship. To remain a Citigold client, maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts. There is no monthly service fee for accounts in The Citigold Account Package.
Be aware that Citi Wealth Management will not allow any trading of non traditional stocks and ETFs. No leveraged ETFs, no inverse ETFs. Its brokerage service is similar to Chase YouInvest. It is just basic investment service.
1. Click HERE to read a separate thread discussing expiration of ThankYou Points when closing a Citigold account.
2. Citi has introduced Citi Priority with a minimum combined balance of $50K as of November 6, 2016. Those who were no longer qualified under the new Citigold requirement has been downgraded to Citi Priority. Discussion HERE.
Be aware that Citi Wealth Management will not allow any trading of non traditional stocks and ETFs. No leveraged ETFs, no inverse ETFs. Its brokerage service is similar to Chase YouInvest. It is just basic investment service.
1. Click HERE to read a separate thread discussing expiration of ThankYou Points when closing a Citigold account.
2. Citi has introduced Citi Priority with a minimum combined balance of $50K as of November 6, 2016. Those who were no longer qualified under the new Citigold requirement has been downgraded to Citi Priority. Discussion HERE.
Benefits of a Citigold account? [consolidated]
Jan 7, 2015, 10:53 pm
#181
Join Date: Aug 2014
Location: MSP
Programs: AGR S+, Marriott Plat, HHonors Diamond, Hyatt Explorist
Posts: 100
Does anyone have experience with citigold benefits worldwide? citigold agent #1 told me that as long as I have citigold in one country, I can have the benefits of citigold worlwide. Another agent #2 told me that's not true. In particular, I am interested to know if I have citigold in one country (ie not USA), and I have US credit cards, whether I would be able to have the fees waived/reduced (as if I did have citigold in the USA).
Thx for help!
Thx for help!
Jan 8, 2015, 8:04 am
#183
Join Date: Jun 2014
Location: DFW
Programs: AA Lifetime Gold, Admirals Club, Global Entry
Posts: 1,141
They are over. Old arrangements, though, are generally grandfathered.
New applicants just get $100 off -- if they're Citi Gold. That's it.
Net of the $250 airfare credit, your net cost is then $100. And then, assuming you do monthly bill-pay, auto-save and auto-deposit (collectively worth 975 TYPs per month) and use the resulting 11,700 points to buy AA tickets with the 0.6% Prestige Card premium (i.e., at 1.6 cents per TYP), your net annual cost is really $30 (11,700 * .006 = $70.20, which is your savings for having the Prestige Card).
New applicants just get $100 off -- if they're Citi Gold. That's it.
Net of the $250 airfare credit, your net cost is then $100. And then, assuming you do monthly bill-pay, auto-save and auto-deposit (collectively worth 975 TYPs per month) and use the resulting 11,700 points to buy AA tickets with the 0.6% Prestige Card premium (i.e., at 1.6 cents per TYP), your net annual cost is really $30 (11,700 * .006 = $70.20, which is your savings for having the Prestige Card).
Jan 9, 2015, 7:36 pm
#184
Join Date: Sep 2012
Programs: UA AA DL SW Marriott
Posts: 251
I was able to keep my CitiGold status up to now. I originally got the CitiGold tied with a CitiBiz account. The biz account has long been closed (7 or 8 yrs ago), but kept the CitiGold status without $ requirement. Wondering if 2015 change will result a change, did not receive a letter though.
Jan 15, 2015, 11:33 pm
#185
Join Date: Dec 2011
Location: San Francisco
Programs: Amex MR, SPG Gold, HHonors Gold, AS MVP
Posts: 518
I'm trying to do the math on whether it's worth it for me to stash $50K in a Citigold account. One thing I'm confused about is the relationship bonus for spending on a Thank You card like the Citi Prestige. Is the 15% bonus only based on the amount of dollar spend, or is it based on the number of points earned? In other words, if I spend $10K on travel and $10K on dining (no other spend) with the Citi Prestige, I would earn 50k TYPs. Would the 15% relationship bonus be 3000 TYPs ($20K spend * 0.15) or 7500 TYPs (50K points * 0.15)? The wording in the T&C sounds like it's based on dollars, but I've seen it discussed here as if it is based on points.
Jan 16, 2015, 10:20 am
#186
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,938
I'm trying to do the math on whether it's worth it for me to stash $50K in a Citigold account. One thing I'm confused about is the relationship bonus for spending on a Thank You card like the Citi Prestige. Is the 15% bonus only based on the amount of dollar spend, or is it based on the number of points earned? In other words, if I spend $10K on travel and $10K on dining (no other spend) with the Citi Prestige, I would earn 50k TYPs. Would the 15% relationship bonus be 3000 TYPs ($20K spend * 0.15) or 7500 TYPs (50K points * 0.15)? The wording in the T&C sounds like it's based on dollars, but I've seen it discussed here as if it is based on points.
Jan 16, 2015, 12:28 pm
#187
Join Date: Dec 2011
Location: San Francisco
Programs: Amex MR, SPG Gold, HHonors Gold, AS MVP
Posts: 518
If you have the capability to open an investment account with them, then that has the potential to be cheaper, though then the minimum balance is $100K rather than $50K.
Jan 17, 2015, 8:47 am
#189
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,938
I find that citi does not have a very good web interface, and even when I called, they were not too eager to hep me shop around.
A little help would be appreciated. I do use gold a lot and have multiple accounts, so I am wanting to keep it.
Jan 23, 2015, 5:45 pm
#190
Join Date: Nov 2014
Location: New York
Programs: DL PLT, Hilton Diamond, CX MPC Silver
Posts: 265
Anyone have a promo code for the offer of up to 30k AA miles (Citigold) or 15k (Citibank) accounts? I believe it's targeted
http://www.doctorofcredit.com/target...irect-deposit/
http://www.doctorofcredit.com/target...irect-deposit/
Jan 29, 2015, 10:44 am
#192
Join Date: Feb 2003
Location: SFO or OAK
Programs: AA 1MM GLD, Hertz #1 Gold, bunch of other programs w/no status
Posts: 1,453
CitiGold business?
I am in need of a small business checking account (never had one before, so new at this). Is there some version of CitiGold that works with business accounts so I can get the Prestige AF discount?
Jan 30, 2015, 2:35 pm
#193
Join Date: Jun 2014
Posts: 319
Anyone have a promo code for the offer of up to 30k AA miles (Citigold) or 15k (Citibank) accounts? I believe it's targeted
http://www.doctorofcredit.com/target...irect-deposit/
http://www.doctorofcredit.com/target...irect-deposit/
I have a $300 bonus offer, not as good as 30k AA miles
Jan 30, 2015, 4:26 pm
#194
Join Date: May 2010
Posts: 99
This is actually how I qualify for Citgold, at least until they change the terms again.
Jan 31, 2015, 11:08 am
#195
Join Date: Feb 2003
Location: SFO or OAK
Programs: AA 1MM GLD, Hertz #1 Gold, bunch of other programs w/no status
Posts: 1,453
https://online.citibank.com/US/JRS/p...eferredBanking
This is actually how I qualify for Citgold, at least until they change the terms again.
This is actually how I qualify for Citgold, at least until they change the terms again.