Whenever you’re contemplating a brand new bank card, you may need to issue within the worth of its welcome bonus. That is as a result of many welcome gives account for a large portion of a card’s first-year worth.
Most bank cards will often supply elevated bonuses for brand new cardholders, which suggests the variety of factors you gather upfront will differ. With Citi playing cards, that is no exception.
We have used TPG’s July 2026 valuations to find out the worth of all welcome bonuses on this article. Our valuations place Citi ThankYou Rewards factors at 1.9 cents apiece.
To maximise your return, it is price timing your utility across the strongest out there welcome supply. Understanding how right now’s supply compares to historic bonuses will help.
That is the place we are available in. We have collected all the knowledge on Citi’s most profitable bonuses that can assist you decide the very best time to use.
Finest Citi bank card welcome gives
Under, we have listed the most well-liked Citi ThankYou points-earning playing cards, their finest welcome gives and our suggestions for when to use.
All these gives are publicly out there. Particular person, focused gives could also be greater than what we have compiled. And these gives could change at any time, so some could not be out there.
Lastly, you may need to contemplate Citi’s 48-month rule for incomes welcome bonuses. In the event you’ve beforehand earned a welcome bonus on most of its playing cards, you may need to wait 48 months to earn a welcome bonus once more.
With that in thoughts, listed below are the very best Citi card welcome gives.
Reward your inbox with the TPG Day by day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
By signing up, you’ll obtain newsletters and promotional content material and comply with our Phrases of Use and acknowledge the information practices in our Privateness Coverage. It’s possible you’ll unsubscribe at any time.
Earn 100,000 bonus factors after spending $4,000 on purchases within the first three months of account opening (should apply in individual at a Citi department).
When the bonus supply is 100,000 factors or greater.
Earn 75,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.
When the bonus supply is 70,000 factors or greater.
Earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening.
When the bonus supply is 30,000 factors or greater.
Earn $200 money again after spending $1,500 on purchases within the first six months of account opening.
When there’s any cash-back welcome supply.
Citi Strata Elite
The Citi Strata Elite is Citi’s newest entry into the premium journey card market. For a $595 annual charge, it gives high-earning charges, helpful life-style credit and top-tier journey perks, making it a sensible choice for luxurious vacationers taken with incomes Citi ThankYou Rewards factors.
Earn 75,000 bonus factors after spending $6,000 on purchases inside the first three months of account opening.
$1,425
Earn 100,000 bonus factors after spending $6,000 on purchases within the first three months of account opening.
$1,900
On-line: Earn 80,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.
In department: Earn 100,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.
Highest welcome supply
The in-branch supply to earn 100,000 factors after spending $4,000 on purchases within the first three months of account opening was the very best we have seen on this card.
When to use
One of the best time to use for the Citi Strata Elite is when the cardboard is providing 100,000 factors or extra.
Study extra: Citi Strata Elite Card
Citi Strata Premier
The Citi Strata Premier is a stable journey card that includes wonderful incomes charges and good perks for an affordable $95 annual charge.
Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.
$1,140
Earn 75,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.
$1,425
A better supply could also be out there at Citi.com.
$1,330
Highest welcome supply
We have seen this card supply as excessive as 75,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.
When to use
One of the best time to use for the Citi Strata Premier is when the cardboard is providing 70,000 factors or extra.
Study extra: Citi Strata Premier Card
Citi Strata
The Citi Strata Card earns bonus Citi ThankYou Rewards factors in quite a lot of classes whereas charging no annual charge. It is a stable, easy rewards card excellent for newbies or these on the lookout for flexibility of their wallets.
Earn 20,000 bonus factors after spending $1,000 on purchases within the first three months of account opening.
$380
Earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening.
$570
Highest welcome supply
The very best welcome supply allowed new cardholders to earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening.
When to use
When the bonus supply is 30,000 factors or greater.
Study extra: Citi Strata Card
Citi Double Money
The Citi Double Money takes all of the stress and complication out of bank card rewards. It gives a easy (but profitable) 2% money again on each buy (1% once you purchase and 1% as you pay your invoice), together with easy cash-back redemption choices. This card additionally fees no annual charge.
Earn $200 money again after spending $1,500 on purchases within the first six months of account opening.
$200
Highest welcome supply
The very best welcome supply we have seen is the cardboard’s present bonus. New cardholders can earn $200 money again after spending $1,500 on purchases within the first six months of account opening.
When to use
Since this card has beforehand lacked a welcome supply, we suggest making use of every time it is providing a cash-back bonus.
Study extra: Citi Double Money Card
American Airways AAdvantage Citi playing cards
Citi additionally points a set of cobranded playing cards with American Airways AAdvantage. These playing cards embrace choices for model loyalists, small-business homeowners and semi-frequent American Airways vacationers.
In the event you’re taken with one among Citi’s AAdvantage playing cards, see our information to the Citi American Airways playing cards’ supply histories to resolve when to use.
Backside line
Any time you are contemplating a brand new bank card, you need to make sure the welcome bonus is definitely worth the utility. You do not need to miss out in your probability for extra Citi ThankYou Rewards factors with an ill-timed utility.
Make sure you reference this bonus historical past information earlier than you select a brand new card.
Associated studying:
