Citi ThankYou Premier – 60,000 ThankYou Points

UPDATE 1:50 PM EST: Another link is still up!

UPDATE 1:25 PM EST: Original link DEAD!

Thank to US Credit Card Guide, the best offer we’ve ever seen for the Citi ThankYou Premier credit card has been discovered! Using this link, you can earn the following bonus:

Earn 60,000 bonusThankYou® Points after you spend $3,500 in purchases within 3 months of account opening.

I just applied both Joann & myself for this card because you can easily transfer points from one account to any other one (with some caveats that I’ll go over in another post). Joann got instantly approved, but my decision went pending.

PRO TIP: If your decision goes pending, don’t close out that browser window. Wait a few seconds & a live chat popup window should appear on screen. Start the live chat & an agent can help you right then & there. No need to have the hassle of calling the reconsideration line! The agent was able to shift some credit from an existing Citi credit card in order to open this one. Approved!

  • Annual fee: $0 first year, $95 thereafter
    • Citi is notoriously generous with retention offers when calling to “cancel” after the annual fee is posted
  • No foreign transaction fees
  • EMV Chip Technology

Citi ThankYou Premier Bonus Categories

3 ThankYou Points per $1 spent on Travel. Travel includes:
  • Gas Stations
  • Public Transportation
  • Taxis and Tolls
  • Parking Garages
  • Airfare and Hotels
  • Cruises
  • Car Rental Agencies
  • And much more!

2 ThankYou Points per $1 spent on Dining Out and Entertainment

ThankYou Transfer Partners

ThankYou Points transfer to 11 different airline partners and Hilton HHonors (at 1:1.5).

  • Asia Miles
  • EVA Air
  • Etihad Guest
  • Flying Blue
  • Garuda Indonesia
  • Malaysia
  • Qantas
  • Qatar
  • Singapore Airlines
  • Thai Airways
  • Virgin Atlantic
  • Hilton HHonors (1:1.5)

Wrap Up

I haven’t written about City TY points much because I haven’t earned them before, but it’s always good to diversify the portfolio. Stay tuned for a lot more info regarding this program making a splash in the flexible points game.

Citi ThankYou Premier

Credit Karma Now Provides Full Credit Report For Free

I use Credit Karma for loosely monitoring my TransUnion-based credit score. It’s a free service and it will update your score once a week when you log in.

Recently, they have added your full credit report to the list of features.

This is a great value add since, normally, you would only be able to run your free credit report once a year with each credit bureau via annualcreditreport.com.

I found my report to be 100% accurate, even with the current balances per account to date.

This new feature will also keep track of your hard credit inquiries and when they fall off (2 years). Keep in mind, this will only be your inquiries based on TransUnion.

Credit Karma

Credit Karma

Being aware of your credit is very important, in both the miles & points game and in general. This new feature will allow you to check your credit on a weekly basis, which is very helpful when timing your next round of credit card applications!

Hat tip to ack154 on reddit.

Chase Hyatt Credit Card

Hotel cards are often overlooked in the credit card game, but they shouldn’t be. Many of them have lucrative sign-up and anniversary bonuses. The Chase Hyatt credit card is no exception. In fact, many see it as one of the best hotel rewards cards out there.

  • Receive 2 free nights at any Hyatt property in the world after spending $1,000 in the first 3 months of opening the card
  • 3 points per dollar spent at all Hyatt properties
  • 2 points per dollar spent at restaurants, airline tickets purchased directly from the airline, and car rental agencies
  • 1 point per dollar spent everywhere else
  • No foreign transaction fees
  • Upgrade to Hyatt Gold Passport Platinum elite status (benefits here)
  • 1 free night at any category 1-4 property every year on your anniversary
  • EMV Chip-enabled
  • Receive 2 stay credits and 5 night credits toward Diamond status upon spending $20,000 in each calendar year.
  • Receive an additional 3 stay credits and 5 night credits toward Diamond status upon spending $40,000 in each calendar year.
  • $0 intro fee for the first year. After that, $75

Continue reading

If I Could Only Have One Card – Chase Ink Bold/Plus

Lately, I’ve been asked by a lot of people which ONE card I would have if I could only have one. Obviously, my first answer is always “I wouldn’t have just one card!” but I understand that not everyone wants to have multiple credit cards.

In that case, my answer is always Chase Ink Bold or Ink Plus. It’s simply the card I would want to have if I didn’t have any other credit cards for earning miles and points. The points earning potential of these cards and the Chase Ultimate Rewards program are just too strong to ignore.

While Chase does an amazing job marketing their Sapphire Preferred credit card, I believe these business cards are better for a serious points earner.

Just to point out, the Ink Bold is a charge card where you must pay off the entire balance each cycle and the Ink Plus is a credit card where you can opt to carry over a balance each cycle (which you should definitely NOT do).

Here are the marketing bullets for the Chase Ink Bold/Plus:

  • Chase celebrates small businesses with a special bonus offer!
  • For a limited time, earn 60,000 bonus points after you spend $5,000 in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards.
  • Earn 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • No foreign transaction fees.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • Direct access to a live service advisor anytime.
  • Free Employee Cards.

Let’s start with the obvious Pros.

5x For Everything

5x per $1 spent on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.

This is the power play of the Chase Ink Bold/Plus cards. Office supply stores like Staples, Office Max, and Office Depot have huge gift card racks where you can purchase gift cards for almost any retailer under the sun. More importantly, they also sell Visa/Mastercard/American Express gift cards from on those racks.

These gift cards do have a fee associated with them (up to $6.95 per card), but the office supply store bonus points you’ll be earning far outweigh this fee. I always try to buy the largest denomination gift card I can, often $500 or even $200. Sometimes you can even do it online and get cash back.

I then, in turn, use these gift cards as my “every day” card. Anything you purchase with these gift cards will essentially be earning 5x points!

Everything Else

Aside from multiple credit card sign up bonuses, the above benefit is the #1 contributing factor to my growing points portfolio. Everything else is just icing.

Included in the 5x points is cellular phone, landline, internet, and cable TV services. For me, that is over $200 a month; $2,400+ a year. That’s 12,000 Chase Ultimate Rewards points annually just on my cell phone and Verizon FiOS bill. That alone pays for the $95 annual fee (waived the first year) and then some.

The Ink Bold/Plus cards also earn 2x points on gas and hotels. That’s great but, for gas, I just buy my gas station gift cards from office supply stores or simply use the Visa/Mastercard/Amex gift cards. Why earn 2x when you can earn 5x?

Cons

I can really only think of a few worth mentioning.

Since the Ink Bold/Plus cards are business cards, they won’t be helping your credit score. Also, you’ll only be earning Chase Ultimate Rewards points by only having this card. I like to diversify my earning portfolio.

Other than that, I see no real downside to having either of these cards.

Conclusion

The Chase Ink Bold/Plus would be my card of choice if I couldn’t have any other credit cards.

Thankfully, that’s not the case for me so I team my Ink up with my Chase Freedom, Chase Sapphire Preferred, American Express Starwood, & American Express EveryDay Preferred credit cards. Quite a quiver of cards when going forth in the battle of earning points.

And what do you do once you earn all these Chase Ultimate Rewards bonus points? Look for that in an upcoming post.

Citi Executive AAdvantage World Elite MasterCard 100,000 Miles Offer

UPDATE: Several FlyerTalkers in this thread are reporting success!

We haven’t seen a 100K mile offer in a while, but Citi has shown up big. Just days after they offered a 75K mile bonus, the latest news is that they’ve upped that offer to 100,000 AAdvantage miles after spending $10,000 in the first 3 months of opening the card along with $200 in statement credits on purchases in the first 12 months.

Apparently this offer is from the Admiral’s Clubs and has a specific agent code tied with it, but using the application link, we’re able to directly access the offer. Just enter your name and click Proceed to Application; leave the codes blank.

I cannot say with full certainty that you’ll get the 100K bonus due to the agent code issue, but 100K miles is worth thinking about and waiting for others to comment with their experiences.

As always, take screenshots of the offer page and every step of the application process along the way! I do this for every credit card application, regardless how big or small. These screenshots may be your only recourse if you have difficulty obtaining the bonus offer.

$450 Annual Fee

The $450 annual fee that comes with this card is pretty steep, especially if you don’t value the Admiral’s Club access that highly. At least with this particular offer, the $200 in statement credits effectively brings the annual fee down to $250. For me, that’s a little bit easier to swallow for 100K AAdvantage miles.

citi aa 100k

Always take screenshots!

Below are the main perks of the Citi Executive AAdvantage World Elite MasterCard:

  • Admirals Club® Membership Privileges (a value of up to $500)
  • Earn up to 10,000 Elite Qualifying Miles per calendar year
  • No Foreign Purchase Fees
  • Enhanced Airport Experience with dedicated check-in and priority screening and boarding
  • First Checked Bag Free

Hat tip to The Points Guy.