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Citi Premier® Card: Earn 80K Points When You Spend $4,000 in First 3 Months Expired
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:
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
Original Post
Written by
Edited June 14, 2022
at 08:27 AM
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.
Card Details:
Slickdeals may be compensated by Citi.
Created 07-08-2021
at 07:05 AM
by sd_keets
in
Credit Cards
(4)
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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.
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Sapphire Reserve is 1.5 on AF $550
…if memory serves me correct
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Reasons:
• Your credit report shows a high amount of unused credit compared to your
available credit lines.
• Your credit report shows too many bank or national revolving accounts.
The second reason at least makes some sense. The first is crazy. I use my credit cards a lot, 1-3k a month but don't cary a balance.
Anyone successfully argued for a reconsideration with a similar situation?
I have denial with same reason
Avianca Lifemiles does not have a lot of award UA flights at least from/to the NYC area. Trust i had a lot of lifemiles that i couldn't use until I found a 1am flight to CUN connecting thru Lima on Copa Airlines.
Not sure if discounts on overpriced travel are the most lucrative way to redeem. If there was a way to sell overpriced tickets for profit I could see the value.
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I missed out on PS5 so far but I might do this to get $800 in Target or Best Buy gift cards to get a PS5 this fall, assuming they will finally be available to the mass public by then. If not, that's fine - $800 in gift cards at Target can go a long way for Christmas shopping.
kind of like the idea of just 3 credit cards. double cash and costco and Apple Card.
9 cards to 3.
How much your score is affected with be dependent on a few factors. By canceling so many cards in a short period, the factors that will probably affect you most will be average account age and credit utilization.
Let's say each of your 8 cards has a 7 year credit history so that the average account age is 7 years. You cancel 6 and sign up for a new card. Now your average falls to 4 years 8 months ((7+7 +0)/3). I have heard that ideally you want the average to be 7+ years.
Let's say you hold a combine balance of $10K out of $100K total combined credit (i.e. a utilization is 10%). If the cards you cancelled cause your total combine credit to fall to $20K, then you are now at 50% utilization (not good).
The good news is that your score will recover over time and the second factor can be remedied if you pay down your cards. I don't know what effect churning cards has but it probably isn't good.
You're ruining the average age of your accounts which is a big factor. It is better to have more accounts and keep them open. You're doing the opposite.
That rule makes sense. Chase now has 4 hrs and amex is onces in a lifetime.
Let's say each of your 8 cards has a 7 year credit history so that the average account age is 7 years. You cancel 6 and sign up for a new card. Now your average falls to 4 years 8 months ((7+7 +0)/3). I have heard that ideally you want the average to be 7+ years.
Let's say you hold a combine balance of $10K out of $100K total combined credit (i.e. a utilization is 10%). If the cards you cancelled cause your total combine credit to fall to $20K, then you are now at 50% utilization (not good).
The good news is that your score will recover over time and the second factor can be remedied if you pay down your cards. I don't know what effect churning cards has but it probably isn't good.
I look at it as if someone is worried about a 3-6 point swing in their credit score, they likely should not be getting into credit card churning and focus on paying down debt, collections, etc to get their credit score up.
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