While you’re contemplating a brand new bank card, you will wish to issue within the worth of its welcome bonus. That is as a result of many welcome provides present a large chunk of a card’s first-year worth.
Most bank cards will sometimes supply elevated bonuses for brand new cardholders, which suggests the variety of factors you acquire upfront will fluctuate. 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 price of 1.9 cents apiece.
So, you will wish to be certain you are getting essentially the most you’ll be able to along with your new card. If you wish to time your software to safe a strong welcome bonus, you will wish to know the way the present supply compares to the cardboard’s historical past.
That is the place we are available in. We have collected all the data on Citi’s most profitable bonuses that will help you decide the very best time to use.
Finest Citi bank card welcome provides
Beneath, we have listed the preferred Citi playing cards with their finest welcome supply and our advice for when to use.
All these provides are publicly accessible. Particular person, focused provides could also be greater than what we have compiled. And, these provides might change at any time, so a few of them might not be accessible.
Lastly, you will wish to think about Citi’s 48-month rule for incomes welcome bonuses. In the event you’ve beforehand earned a welcome bonus on most of its playing cards, you will have to attend 48 months to earn a welcome bonus once more.
With that in thoughts, listed below are the very best Citi card welcome provides.
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The knowledge 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 offered 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, precious way of life credit and top-tier journey perks, making it a good selection for luxurious vacationers enthusiastic about incomes Citi ThankYou Rewards factors.
Because the card was launched in July 2025, we now have seen two publicly accessible provides. Nevertheless, one supply is unique to functions acquired in individual at a Citi department, whereas the opposite supply is out there on-line.
In individual 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 value $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 value $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 advocate making use of now as a result of it options an elevated supply. Even if you cannot apply in individual at a Citi department, the cardboard’s 80,000-bonus-point supply is an effective one.
Be taught extra: Citi Strata Elite Card
Citi Strata Premier Card
The Citi Strata Premier is a strong journey card that includes wonderful incomes charges and good perks for an inexpensive $95 annual payment.
The next supply could also be accessible at Citi.com.
$1,330January 2023 to April 2023Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.$1,140July 2022 to January 2023Earn 80,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.$1,520December 2021 to July 2022Earn 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 perfect time to use for the Citi Strata Premier is any time the cardboard is providing 70,000 factors or greater.
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 strong, easy rewards card excellent for freshmen or these searching 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 value $570.
Highest welcome supply
The 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 advocate 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 will earn 5% money again on purchases in your prime 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 advocate making use of for this card if it provides a limited-time, elevated supply. Nevertheless, we have by no means seen that earlier than, so if you happen to’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 provides a easy (but profitable) 2% money again on each buy (1% while you purchase and 1% as you pay your invoice) and simple cash-back redemption choices. This card additionally would not cost an annual payment.
Highest welcome supply
The 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 advocate making use of every time it is providing a cash-back bonus.
Be taught extra: Citi Double Money Card
American Airways AAdvantage Citi playing cards
Citi additionally points a set of cobranded playing cards with American Airways AAdvantage. These playing cards embody choices for model loyalists, small-business house owners and semifrequent American Airways vacationers.
In the event you’re enthusiastic about certainly one of Citi’s AAdvantage playing cards, see our information to the Citi American Airways playing cards’ supply histories to resolve when to use.
Backside line
Any time you are contemplating a brand new bank card, you wish to make sure the welcome bonus is definitely worth the software. You do not wish to miss out in your probability for extra Citi ThankYou Rewards factors with an ill-timed software.
Remember to reference this bonus historical past information earlier than you select a brand new card.
Additionally, take a look at our guides to the supply histories with different issuers:
