Once 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 present a large chunk of a card’s first-year worth.
Most bank cards will often provide elevated bonuses for brand new cardholders, which implies the variety of factors you acquire upfront will range. With Citi playing cards, that is no exception.
We have used TPG’s August 2025 valuations to find out the worth of all welcome bonuses on this article. Our valuations place Citi ThankYou Rewards factors at a worth of 1.9 cents apiece.
So, you may need to make sure you are getting essentially the most you possibly can together with your new card. If you wish to time your utility to safe a strong welcome bonus, you may need to know the way the present provide compares to the cardboard’s historical past.
That is the place we are available in. We have collected all the knowledge on Citi’s most profitable bonuses that will help you decide the very best time to use.
Greatest Citi bank card welcome gives
Beneath, we have listed the preferred Citi playing cards with their finest welcome provide and our suggestion for when to use.
All these gives are publicly accessible. Particular person, focused gives could also be larger than what we have compiled. And, these gives could change at any time, so a few of them could not be accessible.
Lastly, you may need to take into account Citi’s 48-month rule for incomes welcome bonuses. Should 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 here are the very best Citi card welcome gives.
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| Card | Greatest welcome provide we have seen | When to use |
|---|---|---|
| Citi Strata Elite℠ Card | Earn 100,000 bonus factors after spending $4,000 on purchases within the first three months of account opening (should apply in particular person at a Citi department). | Now could be the very best time to use because the card options an elevated provide. |
| Citi Strata Premier® Card | Earn 80,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. | When the bonus provide is 70,000 factors or larger. |
| Citi Strata℠ Card | Earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening. | Now could be the very best time to use because the card options an elevated provide. |
| Citi Customized Money® Card | Earn $200 money again after spending $1,500 on purchases within the first six months of account opening. | When the bonus provide is $200 money again or larger. |
| Citi Double Money® Card | Earn $200 money again after spending $1,500 on purchases within the first six months of account opening. | If there may be any cash-back welcome provide. |
The data for the Citi Customized Money has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Citi Strata Elite Card
For the reason that card was launched in July 2025, we’ve seen two publicly accessible gives. Nonetheless, one provide is unique to purposes acquired in particular person at a Citi department, whereas the opposite provide is on the market on-line.
- In particular person at a Citi department: Earn 100,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. This provide is price $1,900.
- On-line: Earn 80,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. This provide is price $1,520.
Highest welcome provide
The in-branch provide to earn 100,000 factors after spending $4,000 on purchases within the first three months of account opening is the best we have seen on this card.
When to use
For the reason that Strata Elite was lately launched, we advocate making use of now as a result of it options an elevated provide. Even if you cannot apply in particular person at a Citi department, the cardboard’s 80,000-bonus-point provide is an effective one.
Study extra: Citi Strata Elite Card
Citi Strata Premier Card
| Approximate date | Supply | Worth |
|---|---|---|
| April 2025 to now | Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. | $1,140 |
| December 2024 to April 2025 | Earn 75,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. | $1,425 |
| April 2023 to November 2024 | Earn 70,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.
A better provide could also be accessible at Citi.com. |
$1,330 |
| January 2023 to April 2023 | Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. | $1,140 |
| July 2022 to January 2023 | Earn 80,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. | $1,520 |
| December 2021 to July 2022 | Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. | $1,140 |
Highest welcome provide
We have seen this card provide as excessive as 80,000 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 any time the cardboard is providing 70,000 factors or larger.
Study extra: Citi Strata Premier Card
Citi Strata Card
This card was launched lately, so we’ve not seen a couple of bonus provide. The present provide supplies new cardholders with 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening.
This welcome provide is price $570.
Highest welcome provide
The very best welcome provide is the one bonus we have seen: Earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening.
When to use
We advocate making use of now because the card is new and options an elevated provide.
Study extra: Citi Strata Card
Citi Customized Money Card
We have solely seen one provide on this card since its launch, and it is the present bonus. New candidates to the Citi Customized Money can earn $200 money again after spending $1,500 on purchases within the first six months of account opening.
Highest welcome provide
The Citi Customized Money’s bonus has remained regular since its inception, so its highest provide is the present provide.
When to use
We advocate making use of for this card if it gives a limited-time, elevated provide. Nonetheless, we have by no means seen that earlier than, so in the event you’re within the card, go for it.
Citi Double Money Card
| Approximate date | Supply | Worth |
|---|---|---|
| November 2023 to now | Earn $200 money again after spending $1,500 on purchases within the first six months of account opening. | $200 |
| November 2022 to November 2023 | No welcome provide was accessible right now. | N/A |
| August 2022 to November 2022 | Earn $200 money again after spending $1,500 on purchases within the first six months of account opening. | $200 |
Highest welcome provide
The very best welcome provide 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 beforehand lacked a welcome provide in its historical past, we advocate 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 collection of cobranded playing cards with American Airways AAdvantage. These playing cards embrace choices for model loyalists, small-business house owners and semifrequent American Airways vacationers.
Should you’re interested by one in every of Citi’s AAdvantage playing cards, see our information to the Citi American Airways playing cards’ provide histories to determine 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.
Be sure you reference this bonus historical past information earlier than you select a brand new card.
Additionally, take a look at our guides to the provide histories with different issuers:
