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Citi Premier® Card: Earn 80K Points When You Spend $4,000 in First 3 Months Expired

+135 Deal Score
611,544 Views
Update: This deal is still available. This offer will be ending soon.

Citi is offering 80,000 ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening with the Citi Premier® Card. Earn 3 Points per $1 spent at Restaurants, Supermarkets, Gas Stations, Air Travel and Hotels. Earn 1 Point per $1 spent on all other purchases. Annual fee is $95.

Thanks to Slickdeals staff member sd_keets for posting this deal.

Card Details:
  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Slickdeals may be compensated by Citi.

Original Post

Written by
Edited June 14, 2022 at 08:27 AM by
Citi is offering 80,000 ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening with the Citi Premier® Card. Earn 3 Points per $1 spent at Restaurants, Supermarkets, Gas Stations, Air Travel and Hotels. Earn 1 Point per $1 spent on all other purchases. Annual fee is $95.

Card Details:



Slickdeals may be compensated by Citi.
Created 07-08-2021 at 07:05 AM by sd_keets
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Deal
Score
+135
611,544 Views
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

690 Comments

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Featured Comments

Saphire reserv has 550 fee vs this one 95??
80k points worth $800 if redeemed for cash, correct?
Sapphire Preferred is 1.25 on AF $95
Sapphire Reserve is 1.5 on AF $550

…if memory serves me correct

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Joined Dec 2008
D3: Woopster
> bubble2 3,639 Posts
1,438 Reputation
Pro
1dash1
07-12-2021 at 10:20 PM.
07-12-2021 at 10:20 PM.
Quote from Dyscalculic :
I'd note that article is from 2018.

My experience is from 3 chats, 2 phone agents and a retention manager.

I had their best card, Prestige. And I was only offered this Card in this thread or the thank you preferred which I already have.

I was told unequivocally that you can only switch to the same rewards category, i.e. thank you cards.

Please be aware Citi and most major credit card issuers have rewritten a lot of rules in the last couple of years to respond to what they perceive as shenanigans by the customers.

I'd give more credence to rules mentioned on Citi website, but not much to old blogs.
More recent article, posted 7 8 months ago:
Some representatives will say that product changes must be done within the same product family, this isn't the case. Simply end the call (or chat in this case) and try another representative.
https://www.doctorofcredit.com/ci...-covid-19/
Reply
Last edited by 1dash1 July 12, 2021 at 10:27 PM.
Joined Dec 2007
L6: Expert
> bubble2 1,741 Posts
192 Reputation
mnagali
07-12-2021 at 10:20 PM.
07-12-2021 at 10:20 PM.
Quote from SorrowNightshade :
yes. you go to redeem as cash, cash value is 400. I just applied for this card few mins ago, 7,500 limit.

I only did it because found out my car needs new clutch/transmission and its gonna cost me 5,000 installed. boom. day 1, getting those points. redeeming 800 in apple cards, for when iPhone 13 releases in few months. prob keep it open til next renewal and close it.

had a score of 807 fico it showed me when I applied
Thanks for the redemption tip about Apple gift cards for this year's iPhone. I checked out the ThankYou.com website and didn't really have any other merchants where I needed $800 worth of gift cards otherwise.

//edit: in for one lol. Just got approved for $8,300 limit with a score of 819 per the immediate approval page.
Reply
Last edited by mnagali July 12, 2021 at 10:31 PM.
Joined Jun 2007
L10: Grand Master
> bubble2 7,908 Posts
1,240 Reputation
Dyscalculic
07-12-2021 at 10:37 PM.
07-12-2021 at 10:37 PM.
Quote from 1dash1 :
More recent article, posted 7 8 months ago:
Some representatives will say that product changes must be done within the same product family, this isn't the case. Simply end the call (or chat in this case) and try another representative.
https://www.doctorofcredit.com/ci...-covid-19/

Forget the articles. Call Citi and chat with them. They'll tell you almost exactly what I'm telling you.

I'm not posting links here but you'll find even more recent articles that confirm no crossing into other product family of cards.

Not sure why there's more reliance on third party blogs, over the originator.

I literally just came off the song and dance with Citi for nearly 3 to 4 weeks leading into my eventual cancellation, because i didn't want to convert to another TY family of cards without getting signup bonuses.
Reply
Joined Jun 2007
L10: Grand Master
> bubble2 7,908 Posts
1,240 Reputation
Dyscalculic
07-12-2021 at 10:38 PM.
07-12-2021 at 10:38 PM.
Quote from echip :
You can merge all the points from your and your wife's CSR accounts into one?
If so, good to know.

Yes between 2 people only, and you cannot keep changing who you're merging points with, or hard ban.
Reply
Joined May 2008
L5: Journeyman
> bubble2 926 Posts
168 Reputation
echip
07-13-2021 at 12:10 AM.
07-13-2021 at 12:10 AM.
Quote from mnagali :
Yup definitely! Very useful. We've got 11 active chase UR credit cards between us, and only a paying a single CSR annual fee. The ecosystem is great, as long as you know how to maximize earnings.

CSR — 3% travel and dining
CF/CFF— 5% categories, or if MasterCard needed
CBIC — 5% cable & phone bill
CFU/CBIU— 1.5% everything else

I usually only carry these cards in my wallet: CFF / CSR / CBIU / Citi Costco / debit. I have a ton of other credit cards opened for SUB (like this one soon), which I keep in drawer once bonus achieved.

I haven't found any other annual fee cards worth renewing beyond first year, post sign up bonus.
Thanks for the info.
So you have 11 active Chase credit cards (with different cc account numbers) but you're only paying a single CSR annual fee, and all the points earned from those credit cards spending go into that single CSR account?
Reply
Joined Dec 2006
L4: Apprentice
> bubble2 475 Posts
57 Reputation
VictorLA
07-13-2021 at 01:50 AM.
07-13-2021 at 01:50 AM.
Quote from beggerking :
I think thank you pt are only .75 per dollar if used at Amazon...
So these are effectively 2pt per dollar spend on restaurants, supermarket etc

Better just get double cash card which doesn't use thank you pt system
Double cash $35,000 spend = $700 cash back any category

Citi premier $4,000 spend = 92,000 points if spending on x3 points categories (grocery,gas,travel,restaurants)

I think I made my mind
1
Reply
Joined Dec 2008
D3: Woopster
> bubble2 3,639 Posts
1,438 Reputation
Pro
1dash1
07-13-2021 at 02:34 AM.
07-13-2021 at 02:34 AM.
Quote from Dyscalculic :
...

Not sure why there's more reliance on third party blogs, over the originator.
...
The reason is because many (most?) of these financial institutions are averse to publicizing any of their written policies and their Customer Service Representatives and Bank Employees have been known to pass on misinformation. You can see that in the discussion thread going on about the Chase Sapphire Preferred 100K offer.

My personal experience with Chase and Citi banks' customer service representatives (and their immediate supervisors) has been very inconsistent. Some of them know what they are talking about. Others don't. It's very much a YMMV as to whether you get an accurate response. It's also very frustrating, as I'm sure you've experienced.

Blogs, on the other hand, rely on a bunch of datapoints drawn from a variety of individual reports. The more datapoints, the more accurate a picture they draw of the situation. Depending on the situation, I'll take the empirical evidence of customer experience over the response by bank customer service agents. And I'll consider your experience to be a datapoint contrary to what the DoctorOfCredit.com has suggested.

Not all datapoints are weighted equally. Newer ones are more important than older ones. Reputable sources are worth more than unknown sources. Detailed information is weighed more than general information. So, your datapoint carries significant weight in this discussion.
Reply

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Joined Mar 2018
L2: Beginner
> bubble2 33 Posts
14 Reputation
CaseCRM4
07-13-2021 at 04:56 AM.
07-13-2021 at 04:56 AM.
Quote from bigmace :
Would considering this but I am almost out of 5/24 jail and want to add a couple more chase cards to the mix before getting locked up again with Chase.
Go after the business cards, they don't count
Reply
Joined Dec 2015
L3: Novice
> bubble2 1,657 Posts
425 Reputation
junkdealer
07-13-2021 at 05:10 AM.
07-13-2021 at 05:10 AM.
If you are chasing sign up bonus why not the 100k Sapphire? -https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
1
Reply
Joined Nov 2011
L8: Grand Teacher
> bubble2 3,267 Posts
345 Reputation
bigmace
07-13-2021 at 05:58 AM.
07-13-2021 at 05:58 AM.
Quote from CaseCRM4 :
Go after the business cards, they don't count
I don't have enough spend in my current future to hit bonus. Definitely will down the road though.
Reply
Joined Sep 2014
L5: Journeyman
> bubble2 1,837 Posts
578 Reputation
lintas1
07-13-2021 at 06:48 AM.
07-13-2021 at 06:48 AM.
Quote from Dyscalculic :
Forget the articles. Call Citi and chat with them. They'll tell you almost exactly what I'm telling you.

I'm not posting links here but you'll find even more recent articles that confirm no crossing into other product family of cards.

Not sure why there's more reliance on third party blogs, over the originator.

I literally just came off the song and dance with Citi for nearly 3 to 4 weeks leading into my eventual cancellation, because i didn't want to convert to another TY family of cards without getting signup bonuses.
Quote from 1dash1 :
The reason is because many (most?) of these financial institutions are averse to publicizing any of their written policies and their Customer Service Representatives and Bank Employees have been known to pass on misinformation. You can see that in the discussion thread going on about the Chase Sapphire Preferred 100K offer.

My personal experience with Chase and Citi banks' customer service representatives (and their immediate supervisors) has been very inconsistent. Some of them know what they are talking about. Others don't. It's very much a YMMV as to whether you get an accurate response. It's also very frustrating, as I'm sure you've experienced.

Blogs, on the other hand, rely on a bunch of datapoints drawn from a variety of individual reports. The more datapoints, the more accurate a picture they draw of the situation. Depending on the situation, I'll take the empirical evidence of customer experience over the response by bank customer service agents. And I'll consider your experience to be a datapoint contrary to what the DoctorOfCredit.com has suggested.

Not all datapoints are weighted equally. Newer ones are more important than older ones. Reputable sources are worth more than unknown sources. Detailed information is weighed more than general information. So, your datapoint carries significant weight in this discussion.
It is clear for me after reading few more things that chances of converting to Costco Citi card from this are 50/50.

With that being the case, the incentive for Citi card goes down a lot.

So now the question is This card or AMEX platinum with 125K bonus? I have that offer sitting at home and do not have any amex cards
Reply
Joined Sep 2016
Penguinbro
> bubble2 5,358 Posts
762 Reputation
anonymous2929239
07-13-2021 at 07:57 AM.
07-13-2021 at 07:57 AM.
Quote from mnagali :
Thanks for the redemption tip about Apple gift cards for this year's iPhone. I checked out the ThankYou.com website and didn't really have any other merchants where I needed $800 worth of gift cards otherwise.

//edit: in for one lol. Just got approved for $8,300 limit with a score of 819 per the immediate approval page.
yep, I am on iPhone SE from 2015/16 but 800 bucks in apple cards is a win for me, grabbing iPhone 13 mini.
Reply
Joined Aug 2010
L6: Expert
> bubble2 1,074 Posts
454 Reputation
computer87
07-13-2021 at 08:30 AM.
07-13-2021 at 08:30 AM.
You can convert 80,000 to 800 dollars cash via mortgage payment.
1. Choose mortgage payment option in rewards, they have number to call.
2. Call the number.
3. Tell them you want to redeem for mortgage payment.
4. Ask for check payable to your bank. Chase worked for me.
5. Once check comes deposit via bank app to your account.
Then pay your mortgage or do whatever you want with it...
Chase 100% works. Other banks you have to try not sure.
Reply
Joined Apr 2014
L4: Apprentice
> bubble2 342 Posts
202 Reputation
GabeTheBabe
07-13-2021 at 09:24 AM.
07-13-2021 at 09:24 AM.
Quote from devilZ :
Make sure to call the reconsideration line.
Update: called the reconsideration line. CSR didn't agree with the reasons for denial (Your credit report shows a high amount of unused credit compared to your
available credit lines.) She sent it back for manual review. After a manual review, they again came back with the same denial reason. Called again and spoke with a second CSR. They again agreed this denial didn't make sense and this was the first time they had seen this. CSR spoke to her manager and found out that this is a new policy change and they were in the process of looking into it. She said she try reprocessing the application within a week and see if it would go through. Confused
Reply

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Joined Feb 2008
L5: Journeyman
> bubble2 954 Posts
118 Reputation
Eyetron
07-13-2021 at 10:58 AM.
07-13-2021 at 10:58 AM.
Quote from junkdealer :
If you are chasing sign up bonus why not the 100k Sapphire? -https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
Do both.
Reply
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