Citi ThankYou Premier Approved

[GeneralCucumbre]

For a while, I've been pondering whether or not to PC my Citi Dividend card to a different product because I don't have much use for the Dividend rewards.  I've been looking at the ThankYou set of cards and I noticed that their Premier card now offers 3X points on dining out and entertainment (I'm guessing movies, etc).  I do a lot of dining out so I was intrigued.  I posted a couple of days ago on a topic about cards that I am disappointed with and one of them was Citi but then I got to thinking, "if I apply for a new account, I get the bonus points and the first year is free".  

So I figured, what the hell, I applied and was approved via their website.  They gave me a credit line of $12,500, so I figure if I hate the card, I can PC to a no-fee card before the annual fee hits or transfer the line to my Dividend card which has a limit of $12,000 (does Citi do that now or no?)  I know Chase does, I've done it multiple times.

Furthermore, is this a good card or no?  I am worried that I might be a little biased because I've been spoiled and biased with Chase Freedom and Chase Sapphire Preferred (long-time Chase customer).  I am still going to try the card out and try to get the bonus points but I would like to hear everyone's thoughts and opinions on the card.

[grinlikechelsea]

Congratulations!

I do not personally know if Citi is easy to transfer lines with, as I do not have a Citi card. So hopefully someone with more knowledge than I can give you some insight. 

[coldnmn]

Congrats! Thanks for sharing.

[efranklin23]

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@GeneralCucumbre wrote:

For a while, I've been pondering whether or not to PC my Citi Dividend card to a different product because I don't have much use for the Dividend rewards.  I've been looking at the ThankYou set of cards and I noticed that their Premier card now offers 3X points on dining out and entertainment (I'm guessing movies, etc).  I do a lot of dining out so I was intrigued.  I posted a couple of days ago on a topic about cards that I am disappointed with and one of them was Citi but then I got to thinking, "if I apply for a new account, I get the bonus points and the first year is free".  

So I figured, what the hell, I applied and was approved via their website.  They gave me a credit line of $12,500, so I figure if I hate the card, I can PC to a no-fee card before the annual fee hits or transfer the line to my Dividend card which has a limit of $12,000 (does Citi do that now or no?)  I know Chase does, I've done it multiple times.

Furthermore, is this a good card or no?  I am worried that I might be a little biased because I've been spoiled and biased with Chase Freedom and Chase Sapphire Preferred (long-time Chase customer).  I am still going to try the card out and try to get the bonus points but I would like to hear everyone's thoughts and opinions on the card.

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Congrats on the High CL APPROVAL!

[gdale6]

Congrats on the new card

No Citi for me either.

[09Lexie]

I have it and its a BT card for me.  I haven't had any issues with Citi or their CS but then again haven't had any reason to call. 

Congrats on your approval -I'm sure you'll have no issues either. 

[weeehooo]

I have been able to transfer credit limits between cards.  My AAdvantage was 49k credit limit and when i apped for Dividends and Pretige they let me take some of the 49k and add it to new cards.  Hope that helps.  Congrats on the new card!

[alvon123]

congrats

[FinStar]

Nicely done OP!  I've never had any issues with Citi so I think your strategy seems good!

[rlx01]

The best thing about Citi is virtual account numbers for online shopping.