topic Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question... in Credit Cards

Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

StevieK — Mon, 28 Nov 2022 02:20:13 GMT

So I'm thinking about applying for my first CC that has an annual fee - the Citi Premier Card. All other cards I have up until this point have no annual fees, so I can just let them sit and do nothing with them and they don't cost me anything. This decision would change the nature of the game for me.

The reasons I am thinking about this card are:

Spend $4,000 in the first three months and get 80,000 bonus ThankYou Points
3% cash back in gas stations, restaurants, supermarkets, and air travel/hotels

One question I have that I have not been able to find answers to is, can I redeem those 80,000 TYP for cash, or just gift cards? Some places say just gift cards, others say I can get cash back. I can't seem to find a reliable answer anywhere. Perhaps someone with the card can check?

Anway, if you go to the ThankYou.com website's redemption options and scroll down to "Cash" it shows possible options as Statement Credit, Direct Deposit, and Check by Mail. So it would seem that getting that first 80,000 as $800 (and all subsequent rewards) is possible, yes?

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

simplynoir — Sun, 27 Nov 2022 21:44:43 GMT

Correct, Citi recently offered customers the option of cash redemptions for your TYP points. Here is the thankyou.com page you are talking about. Screenshot'd this from my wife's account who recently got the SUB (again) and we are just sitting on the points for now

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

Itgem679 — Sun, 27 Nov 2022 21:54:22 GMT

@simplynoir wrote:
Correct, Citi recently offered customers the option of cash redemptions for your TYP points. Here is the thankyou.com page you are talking about. Screenshot'd this from my wife's account who recently got the SUB (again) and we are just sitting on the points for now

Thats some great marketing - I want that card, with those points, so I can smile like the guy in the pic.

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

Remedios — Sun, 27 Nov 2022 22:09:18 GMT

I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.

Then wait some more.

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

Itgem679 — Sun, 27 Nov 2022 22:15:55 GMT

@Remedios your Ghandi qquote is the absolute best.

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

Remedios — Sun, 27 Nov 2022 22:17:46 GMT

@Itgem679 wrote:
@Remediosyour Ghandi qquote is the absolute best.

I agree

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

simplynoir — Sun, 27 Nov 2022 22:48:26 GMT

@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.

@Remedios, that's what I did with @Anonymous's new app she was actually eligible months ago but I waited to be safe. Now when she logs in she has two Premier cards ackwardly staring and pointing at each other like a Spiderman meme. One of them will go the way of the Infinity gauntlet and disappear soon so we can do this whole waiting game again

I can't apply til next year when I got the original SUB and I want one already. Stupid product changes..... 😐

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

Remedios — Sun, 27 Nov 2022 23:16:57 GMT

@simplynoir wrote:
@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.
@Remedios, that's what I did with @Anonymous's new app she was actually eligible months ago but I waited to be safe. Now when she logs in she has two Premier cards ackwardly staring and pointing at each other like a Spiderman meme. One of them will go the way of the Infinity gauntlet and disappear soon so we can do this whole waiting game again

I can't apply til next year when I got the original SUB and I want one already. Stupid product changes..... 😐

I was approved in November 2019.

Did a PC in November 2020 before AF posted. When I look in the app, there is two years worth of statements without requesting statements older than two years.

December 2020 statement has a new card number, so I'm using December 2020 as a starting point for 24 month wait.

Just to be on a safe side, I've picked February if SUB remains the same.

Am I looking at this wrong?

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

FinStar — Sun, 27 Nov 2022 23:19:27 GMT

@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.

I'm in the same 🕳

I'll have to recalculate the timeframe cuz one of the PC'd CCs from a year ago seemingly may have reset the SUB clock. And, recently Expedia+ CC was discontinued and converted to Rewards+ 😑

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

FinStar — Sun, 27 Nov 2022 23:24:24 GMT

@Remedios wrote:
@simplynoir wrote:
@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.
@Remedios, that's what I did with @Anonymous's new app she was actually eligible months ago but I waited to be safe. Now when she logs in she has two Premier cards ackwardly staring and pointing at each other like a Spiderman meme. One of them will go the way of the Infinity gauntlet and disappear soon so we can do this whole waiting game again

I can't apply til next year when I got the original SUB and I want one already. Stupid product changes..... 😐
I was approved in November 2019.
Did a PC in November 2020 before AF posted. When I look in the app, there is two years worth of statements without requesting statements older than two years.
December 2020 statement has a new card number, so I'm using December 2020 as a starting point for 24 month wait.
Just to be on a safe side, I've picked February if SUB remains the same.

Am I looking at this wrong?

And no other Citi PCs or any other recent TY-type of accounts opened, right? If so, December [month-end] should be good, but if you want to hold off to early 2023 you should be 👍

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

Remedios — Sun, 27 Nov 2022 23:30:58 GMT

@FinStar wrote:
@Remedios wrote:
@simplynoir wrote:
@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.
@Remedios, that's what I did with @Anonymous's new app she was actually eligible months ago but I waited to be safe. Now when she logs in she has two Premier cards ackwardly staring and pointing at each other like a Spiderman meme. One of them will go the way of the Infinity gauntlet and disappear soon so we can do this whole waiting game again

I can't apply til next year when I got the original SUB and I want one already. Stupid product changes..... 😐
I was approved in November 2019.
Did a PC in November 2020 before AF posted. When I look in the app, there is two years worth of statements without requesting statements older than two years.
December 2020 statement has a new card number, so I'm using December 2020 as a starting point for 24 month wait.
Just to be on a safe side, I've picked February if SUB remains the same.

Am I looking at this wrong?
And no other Citi PCs or any other recent TY-type of accounts opened, right? If so, December [month-end] should be good, but if you want to hold off to early 2023 you should be 👍

Omg

Was Custom Cash TYP card when it was released? Plz say no

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

simplynoir — Sun, 27 Nov 2022 23:34:29 GMT

@FinStar wrote:
@Remedios wrote:
@simplynoir wrote:
@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.
@Remedios, that's what I did with @Anonymous's new app she was actually eligible months ago but I waited to be safe. Now when she logs in she has two Premier cards ackwardly staring and pointing at each other like a Spiderman meme. One of them will go the way of the Infinity gauntlet and disappear soon so we can do this whole waiting game again

I can't apply til next year when I got the original SUB and I want one already. Stupid product changes..... 😐
I was approved in November 2019.
Did a PC in November 2020 before AF posted. When I look in the app, there is two years worth of statements without requesting statements older than two years.
December 2020 statement has a new card number, so I'm using December 2020 as a starting point for 24 month wait.
Just to be on a safe side, I've picked February if SUB remains the same.

Am I looking at this wrong?
And no other Citi PCs or any other recent TY-type of accounts opened, right? If so, December [month-end] should be good, but if you want to hold off to early 2023 you should be 👍

That works out for me as well. I'm eligible February 2023 but waiting a month til March 2023 to be sure. Been hitting the Chase business cards (again) in the meantime

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

simplynoir — Sun, 27 Nov 2022 23:35:55 GMT

@Remedios wrote:
@FinStar wrote:
@Remedios wrote:
@simplynoir wrote:
@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.
@Remedios, that's what I did with @Anonymous's new app she was actually eligible months ago but I waited to be safe. Now when she logs in she has two Premier cards ackwardly staring and pointing at each other like a Spiderman meme. One of them will go the way of the Infinity gauntlet and disappear soon so we can do this whole waiting game again

I can't apply til next year when I got the original SUB and I want one already. Stupid product changes..... 😐
I was approved in November 2019.
Did a PC in November 2020 before AF posted. When I look in the app, there is two years worth of statements without requesting statements older than two years.
December 2020 statement has a new card number, so I'm using December 2020 as a starting point for 24 month wait.
Just to be on a safe side, I've picked February if SUB remains the same.

Am I looking at this wrong?
And no other Citi PCs or any other recent TY-type of accounts opened, right? If so, December [month-end] should be good, but if you want to hold off to early 2023 you should be 👍
Omg

Was Custom Cash TYP card when it was released? Plz say no

lies: no

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

Remedios — Sun, 27 Nov 2022 23:42:58 GMT

Hello, June. Goodbye hopes and dreams

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

FinStar — Sun, 27 Nov 2022 23:47:24 GMT

@simplynoir wrote:
@Remedios wrote:
@FinStar wrote:
@Remedios wrote:
@simplynoir wrote:
@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.
@Remedios, that's what I did with @Anonymous's new app she was actually eligible months ago but I waited to be safe. Now when she logs in she has two Premier cards ackwardly staring and pointing at each other like a Spiderman meme. One of them will go the way of the Infinity gauntlet and disappear soon so we can do this whole waiting game again

I can't apply til next year when I got the original SUB and I want one already. Stupid product changes..... 😐
I was approved in November 2019.
Did a PC in November 2020 before AF posted. When I look in the app, there is two years worth of statements without requesting statements older than two years.
December 2020 statement has a new card number, so I'm using December 2020 as a starting point for 24 month wait.
Just to be on a safe side, I've picked February if SUB remains the same.

Am I looking at this wrong?
And no other Citi PCs or any other recent TY-type of accounts opened, right? If so, December [month-end] should be good, but if you want to hold off to early 2023 you should be 👍
Omg

Was Custom Cash TYP card when it was released? Plz say no
lies: no

Custom Cash wasn't released as part of TY family so you good.

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

simplynoir — Sun, 27 Nov 2022 23:53:44 GMT

@FinStar wrote:
@simplynoir wrote:
@Remedios wrote:
@FinStar wrote:
@Remedios wrote:
@simplynoir wrote:
@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.
@Remedios, that's what I did with @Anonymous's new app she was actually eligible months ago but I waited to be safe. Now when she logs in she has two Premier cards ackwardly staring and pointing at each other like a Spiderman meme. One of them will go the way of the Infinity gauntlet and disappear soon so we can do this whole waiting game again

I can't apply til next year when I got the original SUB and I want one already. Stupid product changes..... 😐
I was approved in November 2019.
Did a PC in November 2020 before AF posted. When I look in the app, there is two years worth of statements without requesting statements older than two years.
December 2020 statement has a new card number, so I'm using December 2020 as a starting point for 24 month wait.
Just to be on a safe side, I've picked February if SUB remains the same.

Am I looking at this wrong?
And no other Citi PCs or any other recent TY-type of accounts opened, right? If so, December [month-end] should be good, but if you want to hold off to early 2023 you should be 👍
Omg

Was Custom Cash TYP card when it was released? Plz say no
lies: no
Custom Cash wasn't released as part of TY family so you good.

Really, could have sworn it was. Was it shortly after that it was included in the TYP family? I know they didn't introduce it as part of their 24 month SUB rules to go with Rewards, CC, Premier and Prestige til later

@Remedios, I deserve my flogging if so

edit: @FinStar right yo. I know when DW applied for it it was TYPs but that wasn't til the end of last year though not on release

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

FinStar — Sun, 27 Nov 2022 23:55:17 GMT

@simplynoir wrote:
@FinStar wrote:
@simplynoir wrote:
@Remedios wrote:
@FinStar wrote:
@Remedios wrote:
@simplynoir wrote:
@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.
@Remedios, that's what I did with @Anonymous's new app she was actually eligible months ago but I waited to be safe. Now when she logs in she has two Premier cards ackwardly staring and pointing at each other like a Spiderman meme. One of them will go the way of the Infinity gauntlet and disappear soon so we can do this whole waiting game again

I can't apply til next year when I got the original SUB and I want one already. Stupid product changes..... 😐
I was approved in November 2019.
Did a PC in November 2020 before AF posted. When I look in the app, there is two years worth of statements without requesting statements older than two years.
December 2020 statement has a new card number, so I'm using December 2020 as a starting point for 24 month wait.
Just to be on a safe side, I've picked February if SUB remains the same.

Am I looking at this wrong?
And no other Citi PCs or any other recent TY-type of accounts opened, right? If so, December [month-end] should be good, but if you want to hold off to early 2023 you should be 👍
Omg

Was Custom Cash TYP card when it was released? Plz say no
lies: no
Custom Cash wasn't released as part of TY family so you good.
Really, could have sworn it was. Was it shortly after that it was included in the TYP family? I know they didn't introduce it as part of their 24 month SUB rules to go with Rewards, CC, Premier and Prestige til later

@Remedios, I deserve my flogging if so

Right. The bolded part.

Cuz I have the option of TY redemptions on CC. Do you have that option on yours @Remedios ?

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

Remedios — Mon, 28 Nov 2022 00:23:15 GMT

@FinStar wrote:
@simplynoir wrote:
@FinStar wrote:
@simplynoir wrote:
@Remedios wrote:
@FinStar wrote:
@Remedios wrote:
@simplynoir wrote:
@Remedios wrote:
I want it too but I have no clue when I'll be eligible so I have to wait, and wait, and wait. And wait.
Then wait some more.
@Remedios, that's what I did with @Anonymous's new app she was actually eligible months ago but I waited to be safe. Now when she logs in she has two Premier cards ackwardly staring and pointing at each other like a Spiderman meme. One of them will go the way of the Infinity gauntlet and disappear soon so we can do this whole waiting game again

I can't apply til next year when I got the original SUB and I want one already. Stupid product changes..... 😐
I was approved in November 2019.
Did a PC in November 2020 before AF posted. When I look in the app, there is two years worth of statements without requesting statements older than two years.
December 2020 statement has a new card number, so I'm using December 2020 as a starting point for 24 month wait.
Just to be on a safe side, I've picked February if SUB remains the same.

Am I looking at this wrong?
And no other Citi PCs or any other recent TY-type of accounts opened, right? If so, December [month-end] should be good, but if you want to hold off to early 2023 you should be 👍
Omg

Was Custom Cash TYP card when it was released? Plz say no
lies: no
Custom Cash wasn't released as part of TY family so you good.
Really, could have sworn it was. Was it shortly after that it was included in the TYP family? I know they didn't introduce it as part of their 24 month SUB rules to go with Rewards, CC, Premier and Prestige til later

@Remedios, I deserve my flogging if so
Right. The bolded part.

Cuz I have the option of TY redemptions on CC. Do you have that option on yours @Remedios ?

I do.

I honestly don't remember that option being there when I first applied, just like I didn't have it on DC after PC, it happened at a later point in time.

Also, if it was, I would have been ineligible for SUB because it would have been under 24 months from when Premier was first approved.

I think I'm good 🤞

Otherwise 🥖

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

StevieK — Mon, 28 Nov 2022 02:21:39 GMT

So the only Citi card I have is a Costco Visa. Am I eligible for the SUB from this card?

Also, is there any reason for me to wait to apply for this card?

Re: Thinking about my first CC with an annual fee - Citi Premier Card - but have a question...

Remedios — Mon, 28 Nov 2022 02:32:50 GMT

@StevieK wrote:
So the only Citi card I have is a Costco Visa. Am I eligible for the SUB from this card?

Also, is there any reason for me to wait to apply for this card?

You are eligible.

I see no reason to wait if everything else looks okay