Feb 4, 2018, 5:55 pm
Last edit by: philemer
This thread is a continuation of discussion from 2015 - 2017.
Is there currently an offer for this card with a signup bonus?
Yes
Is there currently an offer for this card with a signup bonus?
Yes
- only affiliate 60k links seem to work now; go to https://www.doctorofcredit.com/citi-...ed-first-year/ for a working one and open it in in an Incognito / Private window8
- 80K TYP for $4k spend/3 months. $95 AF waived for first year.
- 30K TYP for $3K spend/3 months, $95 AF waived for first year. Open in private/incognito window for best results.
- Offer not available if you have opened or closed a Preferred, Premier, or Prestige card in the past 24 months.
- 30K TYP for $3K spend/3 months, $95 AF waived for first year. Open in private/incognito window for best results.
- Offer not available if you have opened or closed a Preferred, Premier, or Prestige card in the past 24 months.
Does anybody know when the signup bonus will increase?No. Please don't ask in the thread "just to double-check if anybody knows." Nobody knows.
Can I see the number of TYP earned on an individual purchase?No. The best you can do is visit the Account Details page for your card to see how the merchant for a given transaction was categorized.
What are the bonus categories for the Premier card?
What happens to my TY points if I close my card account?Please see the wiki at Citi ThankYou points - cancel, downgrade & expiration considerationsEffective April 19th, 2015, unless you are participating in a limited-time offer, you will earn:Airlines are classified as merchants that provide air travel. Hotels are classified as merchants that provide sleeping or meeting room accommodations, and may include goods and services that are on a bill for these accommodations by a hotel, motel or inn. Car rental agencies are classified as merchants that provide short-term or long-term rentals of cars. Travel agencies are classified as merchants that provide travel information and booking services, and include travel aggregators and tour operators. Gas stations are classified as merchants that sell fuel for consumer use and may or may not be attended. Commuter transportation is classified as merchants that provide suburban and local mass passenger transportation over regular routes and on regular schedules, including ferries, commuter railways and subways. Taxis/limousines are classified as merchants that provide passenger transportation services for hire and includes horse-drawn cabs and carriages, bicycle taxis, aerial tramways, airport shuttles or cable cars. Passenger railways are classified as merchants that primarily provide long-distance transportation and may include overnight accommodations on the train. Cruise lines are classified as merchants that provide passenger transportation on the open sea or inland waters for the purpose of vacation or pleasure and operate predefined and advertised routes. Bridge and road tolls are classified as merchants who collect fees associated with toll roads, highways and bridges. Parking lots/garages are classified as merchants that provide temporary parking services for automobiles, usually on an hourly, daily or monthly contract or fee basis. Campgrounds and trailer parks are classified as merchants that provide overnight or short-term campsites for recreational vehicles, trailers, campers, or tents. Timeshares are classified as retailers that sell, lease, and rent timeshare real estate and arrange timeshare condominium exchanges. Bus lines are classified passenger bus transportation services that operate on a regular schedule over predetermined routes. Motor home and recreational vehicle rentals are classified as merchants that rent motor homes, RVs, pop-up campers, tent trailers, and other recreational vehicles on a daily, short-term, or extended-term basis. Boat leases and boat rentals are classified as merchants that primarily provide boat rental and leasing services, including fishing boats, non-crew houseboats, sail boats, powerboats, jet skis, and yachts.
Restaurants are classified as dining establishments that primarily prepare food and drinks for immediate consumption by consumers, either on the merchant’s premises or packaged for takeout, and include bars, cocktail lounges, discotheques, nightclubs, taverns and fast food restaurants. Sports promoters are classified as merchants that operate and promote live sporting events (professional or semi-professional), and may also include sports stadiums. Theatrical promoters are classified as merchants that operate live theatrical productions or concerts, and include ticketing agencies. Movie theaters are classified as establishments that sell tickets and refreshments for movie productions. Amusement parks (including zoos, circuses and aquariums) are classified as establishments that operate parks or carnivals and offer mechanical rides and games and/or live animal shows. Tourist attractions and museums (including art galleries) are classified as establishments that operate attractions and exhibits for tourists. Record stores are classified as establishments that sell CDs and related items, including online record stores. Video rental stores are classified as merchants that rent DVDs and/or games and related equipment for consumer use, including online video rentals.
We do not determine how merchants or establishments are classified, however, they are generally classified based upon the merchant's primary line of business. We reserve the right to determine which purchases qualify for this offer. Purchases not eligible to receive the additional ThankYou Points include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores.
You may earn ThankYou Points as long as your Card Account is open and current. If your Card Account is closed, you will not be able to earn ThankYou Points and you will lose any accumulated ThankYou Points that have not been transferred to your ThankYou Member Account. Balance transfers, cash advances, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, finance charges, Card Account fees, and fees for services and programs you elect to receive through us do not earn ThankYou Points unless otherwise specified.
If you do not already have a ThankYou Rewards Member Account ("ThankYou Member Account"), one will be set up for you. ThankYou Points earned from purchases post to your Card Account at the close of each billing cycle, and at that time we will transfer the ThankYou Points you earned to your ThankYou Member Account. (Bonus ThankYou Points may take one to two additional billing cycles to post to your Card Account.) ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account. ThankYou Points may not be redeemed and may be lost if your Card Account is not open or current.- Offer not available if you have opened or closed a Preferred, Premier, or Prestige card in the past 24 months.
- 3 ThankYou Points for every dollar you spend on purchases at airlines, hotels, car rental agencies, travel agencies, gas stations, commuter transportation, taxi/limousines, passenger railways, cruise lines, bridge and road tolls, parking lots/garages, campgrounds and trailer parks, time shares, bus lines, motor home/RV rental and boat rentals;
- 2 ThankYou Points for every dollar you spend on purchases at restaurants and on select entertainment merchants, including sports promoters, theatrical promoters, movie theaters, amusement parks, tourist attractions, record stores and video rental stores; and
- 1 ThankYou Point for every dollar you spend on other purchases.
- Offer not available if you have opened or closed a Preferred, Premier, or Prestige card in the past 24 months.
Citi Premier MasterCard (60,000 points for $4,000 spend in 3 months)
Nov 11, 2021, 7:26 am
#526
Join Date: Jan 2010
Programs: AA BA CO DL UA US
Posts: 815
That is pretty restrictive. I am on the 25th month after my last Citi Thank You Premier application. I also want to get the Citi Custom card with $300 bonus in form of 30,000 TY points. I guess I can only pick one of them then.
Nov 11, 2021, 2:40 pm
#527
Join Date: Oct 2003
Location: DFW
Programs: AAdvantage LT GLD 1.806MM
Posts: 260
Approval datapoint:
- Previously had Premier (opened Sept 6, 2018; closed Oct 7, 2019)
- 0/6 status
- Instantly approved for Premier on Nov 10, 2021 (25 months after closing previous Premier)
Nov 11, 2021, 4:51 pm
#528
Join Date: Aug 2012
Posts: 779
Regarding the 0/6 rule: is it 0 inquiries or 0 new accounts in the last 6 months? Thanks.
Nov 11, 2021, 9:30 pm
#530
Join Date: Feb 2013
Location: PHX
Programs: AA EXP, IHG Diamond, IC Amb
Posts: 5,511
Nov 12, 2021, 5:09 pm
#531
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
Really? Not 0 new inquiries?
There are at least four reasons why that distinction makes a lot of difference:
1. Inquiries in most cases are only one bureau, while new accounts show up on all 3 bureaus.
2. Inquires appear on the credit virtually instantly, while it can take weeks before a new account appears.
3. Inquiries are done for business cards, but business cards from most banks never appear as new account on consumer credit reports.
4. Things like car loans and mortgages generate inquiries too, but are not considered new accounts by any credit card issuer who looks at new accounts.
A lot of people who are trying avoid to Chase's 5/24 might have a bunch of inquiries for business cards, but those business cards never show up as new accounts on their personal credit reports.
So for all of these reasons (and maybe even others I didn't think of), it's important to know whether it's really 0/6 new accounts on all 3 credit reports, or 0/6 inquiries on whichever bureau Citi ends up pulling for you.
There are at least four reasons why that distinction makes a lot of difference:
1. Inquiries in most cases are only one bureau, while new accounts show up on all 3 bureaus.
2. Inquires appear on the credit virtually instantly, while it can take weeks before a new account appears.
3. Inquiries are done for business cards, but business cards from most banks never appear as new account on consumer credit reports.
4. Things like car loans and mortgages generate inquiries too, but are not considered new accounts by any credit card issuer who looks at new accounts.
A lot of people who are trying avoid to Chase's 5/24 might have a bunch of inquiries for business cards, but those business cards never show up as new accounts on their personal credit reports.
So for all of these reasons (and maybe even others I didn't think of), it's important to know whether it's really 0/6 new accounts on all 3 credit reports, or 0/6 inquiries on whichever bureau Citi ends up pulling for you.
Nov 12, 2021, 8:52 pm
#532
Join Date: Nov 2004
Location: Los Angeles, CA; Philadelphia, PA
Programs: OZ Diamond
Posts: 6,139
I skimped through several recent pages and didn't see this mentioned. While there is a good chance I can fulfill the minimum spend for SUB through regular purchases, but if the need arises, is it okay to buy a few merchant GCs (gas stations, restaurants, retailers, etc.) at supermarkets? Or is Citi similar to Amex where it would be asking for trouble (Amex actually deducts the value of GCs in determining minimal spend in my recent experience)? TIA.
LAX
LAX
Nov 13, 2021, 1:45 am
#533
Join Date: Apr 2014
Location: Ho Chi Minh City
Programs: KrisFlyer Elite Gold
Posts: 47
I applied for a Capital One Venture X got approved, then got trigger happy and applied for an Amex Platinum and Citi Premier. Amex called me and approved me after verifying some info.
My Citi Premier app got denied because of too many inquiries, they pulled Experian which Capital One and Amex also pulled.
Has anyone been successful with a recon? Please let me know what I should do.
When I called the recon line, the rep said it was because I had a pull on my Experian report from the Capital One application on the same day. She said they could pull another report but I know that Capital One pulled all 3.
My question is if they pull my Equifax or Transunion, I'll only have that 1 Capital One pull on both and 2 car loan inquiries from February on my Transunion. How many is "too many" for Citi? They keep the application open for 60 days she said, should I try again in a few weeks and have them pull Equifax?
My Citi Premier app got denied because of too many inquiries, they pulled Experian which Capital One and Amex also pulled.
Has anyone been successful with a recon? Please let me know what I should do.
When I called the recon line, the rep said it was because I had a pull on my Experian report from the Capital One application on the same day. She said they could pull another report but I know that Capital One pulled all 3.
My question is if they pull my Equifax or Transunion, I'll only have that 1 Capital One pull on both and 2 car loan inquiries from February on my Transunion. How many is "too many" for Citi? They keep the application open for 60 days she said, should I try again in a few weeks and have them pull Equifax?
Nov 13, 2021, 1:20 pm
#534
Join Date: Jun 2009
Posts: 72
I have a Citi Bank Platinum credit card and decided to apply for their Premier card. My Esperian credit score is 776 & Transunion is over 800 with total debt of -$100 since I pay off the balance immediately. My new application was declined so I call the Citi credit Card office and spoke with a Manager as to the reason. I was told that I didn't carry enough debt for the available $52,000 credit line I currently have available. I use this card frequently but will be chopping it up after the last payment.
Nov 13, 2021, 4:36 pm
#535
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Why would Citi extend more credit to someone who does not use the credit lines they already have? It's simple to fix this at no cost, but closing your existing Citi account isn't the right approach. You need to stop doing this "since I pay off the balance immediately" for a few cycles. I am not suggesting that you carry a balance and pay interest, just stop paying early.
Nov 16, 2021, 11:09 pm
#536
Join Date: Nov 2021
Posts: 2
Approval datapoint:
0/6 inquiries, 1/12 cards.
Credit score 810.
After reading about several denials due to unused credit, I distributed spend across several credit cards.
Overall utilization: 1% ($2000/$150,000)
12 open credit cards + 1 AU, with 10 of those cards reporting a balance, and the highest utilization of 5%
0/6 inquiries, 1/12 cards.
Credit score 810.
After reading about several denials due to unused credit, I distributed spend across several credit cards.
Overall utilization: 1% ($2000/$150,000)
12 open credit cards + 1 AU, with 10 of those cards reporting a balance, and the highest utilization of 5%
Nov 20, 2021, 10:06 am
#537
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
I skimped through several recent pages and didn't see this mentioned. While there is a good chance I can fulfill the minimum spend for SUB through regular purchases, but if the need arises, is it okay to buy a few merchant GCs (gas stations, restaurants, retailers, etc.) at supermarkets? Or is Citi similar to Amex where it would be asking for trouble (Amex actually deducts the value of GCs in determining minimal spend in my recent experience)? TIA.
LAX
LAX
I did not have any problem with Amex by doing it this way.
Nov 20, 2021, 12:25 pm
#538
Join Date: Nov 2004
Location: Los Angeles, CA; Philadelphia, PA
Programs: OZ Diamond
Posts: 6,139
At both Amex and Citi, the key is to "hide" the gift cards. Buy them along with some random groceries on the same purchase, and the smaller the merchant gift cards you buy in each purchase, the better. Multiple smaller gift cards combined with other grocery store purchases each time is much less suspicious than one stand-alone giant gift card purchase at a grocery store.
I did not have any problem with Amex by doing it this way.
I did not have any problem with Amex by doing it this way.
LAX
Nov 21, 2021, 12:59 pm
#539
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
Was this for SUB? I didn't run into any problem with Amex purchasing GCs per se, but I also didn't factor them into the minimum spend for SUB because there was a supermarket promotion (x10 bonus). When my SUB didn't post at the time I thought I had crossed the threshold, I called to inquire. The figure I was quoted by the Amex rep was exactly what I had calculated minus all GCs I had purchased. The problem with SUB not posting turned out to be something else, but any GCs I had purchased definitely did NOT count towards the minimum at Amex's end. That's why I want to see if it's similar with Citi. I have read reports that Chase doesn't care (except for maybe blatant MS via Visa/MC GC purchases). Maybe Citi is somewhere in between? Thanks.
LAX
LAX
Nov 21, 2021, 1:47 pm
#540
Join Date: Nov 2004
Location: Los Angeles, CA; Philadelphia, PA
Programs: OZ Diamond
Posts: 6,139
When I had the 10x grocery promotion on AMEX Platinum I bought a $200 grocery store gift card with every shopping purchase — stockpiling something like $4000 of grocery store gift cards which I am burning through now. Didn’t have a problem — my local grocery store doesn’t transmit L3 data.
LAX