While you’re contemplating a brand new bank card, you may wish to issue within the worth of its welcome bonus. That is as a result of many welcome affords present a large chunk of a card’s first-year worth.
Most bank cards will sometimes supply elevated bonuses for brand new cardholders, which implies the variety of factors you gather 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 wish to make sure you are getting essentially the most you may together with your new card. If you wish to time your utility to safe a stable welcome bonus, you may wish to understand how the present supply 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 choose one of the best time to use.
Finest Citi bank card welcome affords
Beneath, we have listed the most well-liked Citi playing cards with their finest welcome supply and our suggestion for when to use.
All these affords are publicly accessible. Particular person, focused affords could also be increased than what we have compiled. And, these affords might change at any time, so a few of them might not be accessible.
Lastly, you may wish to think about Citi’s 48-month rule for incomes welcome bonuses. When you’ve beforehand earned a welcome bonus on most of its playing cards, you may should wait 48 months to earn a welcome bonus once more.
With that in thoughts, listed below are one of the best Citi card welcome affords.
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| Card | Finest welcome supply 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’s one of the best time to use because the card options an elevated supply. |
| 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 supply is 70,000 factors or increased. |
| Citi Strata℠ Card | Earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening. | Now’s one of the best time to use because the card options an elevated supply. |
| 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 supply is $200 money again or increased. |
| 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 supply. |
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
The Citi Strata Elite is Citi’s newest entry into the premium journey card market. For a $595 annual payment, it gives excessive incomes charges, beneficial life-style credit and top-tier journey perks, making it a good selection for luxurious vacationers desirous about incomes Citi ThankYou Rewards factors.
Because the card was launched in July 2025, now we have seen two publicly accessible affords. Nevertheless, one supply is unique to functions obtained in particular person at a Citi department, whereas the opposite supply is obtainable 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 supply 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 supply is price $1,520.
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 is the very best we have seen on this card.
When to use
Because the Strata Elite was just lately launched, we suggest making use of now as a result of it options an elevated supply. Even if you cannot apply in particular person at a Citi department, the cardboard’s 80,000-bonus-point supply is an efficient one.
Be taught extra: Citi Strata Elite Card
Citi Strata Premier Card
The Citi Strata Premier is a stable journey card that includes glorious incomes charges and good perks for an affordable $95 annual payment.
| 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 supply 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 supply
We have seen this card supply as excessive as 80,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.
When to use
The most effective time to use for the Citi Strata Premier is any time the cardboard is providing 70,000 factors or increased.
Be taught extra: Citi Strata Premier Card
Citi Strata Card
The brand new Citi Strata Card earns bonus Citi ThankYou Rewards factors in quite a lot of classes for no annual payment. It is a stable, easy rewards card good for newbies or these on the lookout for flexibility of their wallets.
This card was launched just lately, so we’ve not seen a couple of bonus supply. The present supply gives new cardholders with 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening.
This welcome supply is price $570.
Highest welcome supply
The very best welcome supply 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 suggest making use of now because the card is new and options an elevated supply.
Be taught extra: Citi Strata Card
Citi Customized Money Card
With the Citi Customized Money, you may earn 5% money again on purchases in your high eligible spending class every billing cycle, as much as the primary $500 spent, and 1% money again after that. You may additionally earn limitless 1% money again on all different purchases, all for no annual payment.
We have solely seen one supply 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 supply
The Citi Customized Money’s bonus has remained regular since its inception, so its highest supply is the present supply.
When to use
We suggest making use of for this card if it affords a limited-time, elevated supply. Nevertheless, we have by no means seen that earlier than, so should you’re within the card, go for it.
Citi Double Money Card
The Citi Double Money takes all of the stress and complication out of bank card rewards. It affords a easy (but profitable) 2% money again on each buy (1% if you purchase and 1% as you pay your invoice) and easy cash-back redemption choices. This card additionally would not cost an annual payment.
| 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 supply 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 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 beforehand lacked a welcome supply in its historical past, we suggest making use of at any time when it is providing a cash-back bonus.
Be taught 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 embody choices for model loyalists, small-business homeowners and semifrequent American Airways vacationers.
When you’re desirous about certainly one of Citi’s AAdvantage playing cards, see our information to the Citi American Airways playing cards’ supply histories to determine when to use.
Backside line
Any time you are contemplating a brand new bank card, you wish to make sure the welcome bonus is well worth the utility. You do not wish to miss out in your likelihood 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.
Additionally, try our guides to the supply histories with different issuers:
