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I’m testing out the card but based on what I know, it’s not really worth it after the 1st year. Yes, you get 1 extra flight point for every mile you fly by purchasing an air ticket with this card, however, you cannot turn flight points to thank you points unless you have equal amount of ordinary purchase points. This means that assuming each Thank You Point = $0.01, your maximum rebate is 2% (ie, if your ordinary purchase point is 20,000 per year, no matter how many miles you fly, only 20,000 flight points can be converted into redeemable Thank you points, you can only turn 20,000 purchase points + 20,000 flight points = 40,000 Thank you points eligible for redemption). In addition, the anniversary bonus point is based on % of Thank you points earned, which means that 40,000 Thank you points = 400 Bonus Thank you points the first year anniversary.
This card says a lot but when it comes to get the points – it would not do what it says. You finish your travel and wait for your points but you never get. This happened twice for me. When you contact Citi card customer service, they connect you to Thank you points cust service. After explaining again, they will say that this needs to be handled by citi cards but not us and they connect back to Citi cards. They just play games and never give the points. By mistake if you contact customer service in the weekends, it goes to some other country and they don’t understand what you say. Paying yearly is just waste for this card.
Sorry to hear about your bad experience.
This “Benefit” about the points for flying was not/is not something that I’m concerned about. If I buy a ticket and if the points for the flights show up, I will consider this a great bonus.
However, I got 50,000 bonus points and the waived the annual fee – it was an offer sent in the mail – thus I was doing good already. Then I booked a trip using the 50,000 points. The cost of the trip was about $425 which normally would be 42,500 points – however – with this card you get a 25% discount on trip booked with points and thus it was about 31,875 or a savings of about $106.25. Thus I LOVE this card!!!!!
Got a speical offer in the mail for this card 3 months ago. It was for 50,000 bonus points with $1,000 in spending in the first 3 months.
Additionally, the first year fee of $125 was waived. Got the 50,000 bonus points last week.
Unfortunately for new customers, the 50,000 bonus points offer expired earlier this month.
As far as I saw that offer was “same same but different”. The offer on the web was 50,000 point BUT you had to pay the $125 annual fee. For me the current offer is better – I don’t want to pay $125 for $200 worth of points.
Like I said – the offer that I got – was mailed to me by Citibank and the fee was waived. And when the fee comes do – the card will be CANCELLED!!!!!
And for all of you that think this is hurting my credit score – I just applied to refinance and my scores are all in the 770-780 range. I got a 10 year no points/no closing cost loan at 3.5%