No youthful fees Citi tier ℠ card (See Rates and Fees) provides a compelling revenue rate for everyday purchases and is a great entry point to the Citi Thankyou Rewards ecosystem.
Let’s see what the Citi tier offers to help you decide whether to benefit from your wallet.
Key Benefits of Citigroup
In we know who should (and shouldn’t) get Citi floorlet’s walk through its main privilege.
Reliable welcome bonus
New cardholders at Citigroup spent $1,000 in the first three months of opening an account, earning 30,000 bonus points.
According to TPG’s September valuation, the bonus is worth $570.
Related: The best time to apply for these popular Citi credit cards based on quote history
Reward points for valuable thanks
Citi layer received Citi’s reward points for your reward. The way to get the most value from them is to transfer it to one of Citi’s airlines, hotels and retail partners. This card offers most transfers at a rate of 1:0.7, which means you will get 0.7 points or miles for each transfer.
But if you also have a premium Citi card like The Citigroup Elite Card (See rates and fees) or Citi Layer Premier® Card (See Rates and Fees) You can combine points earned by the Citi tier with points in your “Premium” card account to increase transfer rates and transfer them to American Airlines Aadvantage (not available in this tier).
For example, Citigroup card holders can transfer to France at a speed of 1:0.7 – KLM Flying Blue. But if you are also a Citi-class elite card holder, you can combine points and pass them in a better 1:1 ratio.
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Related: The best way to redeem Citi Thanks Reward Points
Profitable bonus categories
The Citi tier has a high income rate, which is ideal for daily purchases. They include:
- 5 points per dollar for attractions, car rentals and hotels booked through the Citi Travel Portal
- Spend 3 points per dollar in supermarket
- Spend 3 points per dollar on electric car charging and gas stations and select transport stations
- Spend 3 points per dollar on qualified self-selected categories (you can change it every quarter)
- Spend 2 points per dollar at a restaurant
- Every dollar spent on all other purchases
The self-select category is one of the card’s greatest perks. You can change categories every quarter. Options include the following qualified purchase categories:
- Barber shops, cosmetics shops and hair salons
- Fitness Club
- Live entertainment
- Pet Supplies Store
- Select Stream Service
Who deserves the Citi class?
this Citi floor It is useful for anyone to add a wallet or wallet, but there are some specific types of people who can benefit the most from it.
Those who want to win bonus points on gasoline, groceries and electric car charging
Many credit cards offer rewards in terms of spending at supermarkets and gas stations – this card offers a stable interest rate of 3 points per dollar. But the best part is that there are no spending restrictions on any purchase category of the card, giving it an advantage over its competitors.
Of course, other grade-free fee cards get bonuses at supermarkets and gas stations – but usually comes with a cap. For example, BlueCashEveryday® Card for American Express (See interest rates and fees) Earn 3% cash back at U.S. supermarkets and gas stations, but only up to $6,000 in purchases per year (1% per dollar thereafter). Cashback or receipt in the form of a reward dollar can be checked out as a declared credit or Amazon.com.
When it comes to charging electric vehicles, fewer card rewards rewards. If you are looking for a card that earns bonus points in these categories and does not have an annual fee, the Citi tier is a good choice as you earn 3 points per dollar.
Related: Amex Blue Cash Everyvery Card Review: Good income and no annual fee
Those who can use self-select categories
This card may make especially meaningful if the Citi tier’s self-categorized category options are suitable for your spending habits. Being able to switch categories each quarter can easily increase the fees for gyms, streaming and live entertainment, among others.
Citigroup challenge competitors Chase FreedomFlex® (See rates and fees), which sometimes include gyms and streaming services in their quarterly bonus categories (requires activation). However, Freedom Flex’s revenue is limited to $1,500 in total spending per quarter, which is a clear limit for those looking to receive the highest reward.
Those who like to transfer to travel partners without annual fees
The best use of Citi Point is to transfer it to Citi Airlines and hotel partners. Recently, Citi introduced the ability to transfer points from most Citi cards to all its partners (except American Airlines AADVANTAGH), including Qatar Airways Privileges Club and Singapore Chris Liverley.
Many dateless fee cards offer cashback only or transfer to a few partners, which makes the formation unique.
Those with premium Citi cards
If you already have Citigroup Elitethis Citigroup Prime Minister Or the Citi prestige® card, the points earned on the Citi tier may be more valuable. You can allocate your expenses between the premium Citi cards and the formation to ensure you get the maximum points of all purchases and then redeemed for points at the highest value.
Information about Citi’s reputation has been independently collected by Goint Guy. The card details on this page have not been reviewed or provided by the card issuer.
Bottom line
this Citi floor Expertise in two fields:
- It has a wide range of bonus award categories.
- It provides the ability to transfer points to airlines and hotel partners.
The card covers popular bonus categories for most consumers and the ability to choose a self-select category each quarter gives it a competitive advantage.
If you fall into any of the categories discussed above, the Citi tier may provide you with significant value.
To learn more, read our full review of Citigroup.
Apply here: Citigroup Card
For daily Amex Blue cash fees and fees, click here.
