myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Citi Ultima

tag
Get Access Now
Saleen099
Senior Contributor
‎08-03-2025 10:23 AM
‎08-03-2025 10:23 AM

Citi Ultima

Citi Ultima

Key Features

  • Welcome Offer: AED 1,250 cash back, subject to AED 25,000 spend within 90 days
  • 50% off flights (up to AED 2,000) once per year
  • 3rd hotel night free globally (unlimited)
  • Free home check-in (4 per year)
  • Airport Transfers (4 per year)
  • Unlimited global airport lounge access (+ guest)
  • Earn up to 5 Citi Miles per USD and 30,000 bonus anniversary miles each year
  • Redeem Citi Miles for flights with any airline or transfer miles to 11 partner airlines
  • Minimum Monthly Income: AED 36,750
  • Annual Membership Fee: AED 3,000
  • IMG_3901.jpeg

     

Message 1 of 20
Reply
19 REPLIES 19
JoeRockhead
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎08-03-2025 10:48 AM
‎08-03-2025 10:48 AM

Re: Citi Ultima

Should pair nicely with that Centurian Card Smiley Happy

Message 2 of 20
Reply
CreditCuriosity
Moderator Emeritus
‎08-03-2025 10:55 AM
‎08-03-2025 10:55 AM

Re: Citi Ultima

@Saleen099 Assume you got an invitation to apply?  Had to google this one

Message 3 of 20
Reply
NoHardLimits
Valued Contributor
‎08-03-2025 11:18 AM
‎08-03-2025 11:18 AM

Re: Citi Ultima

@CreditCuriosity wrote:

@Saleen099 Assume you got an invitation to apply?  Had to google this one

Having never heard of it, I had to head over to Google too.  Very interest specs.  Unfortunately, it's beyond my pay grade.  Have fun with it @Saleen099 !

May 2026 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Accounts: 0/6, 1/12, 2/24 | Util: 1% | DTI: 1%
Message 4 of 20
Reply
TrapLine
Established Contributor
‎08-03-2025 11:23 AM
‎08-03-2025 11:23 AM

Re: Citi Ultima

@JoeRockhead 

 

Looks like it requires around $10,005.45 a month minimum income after conversion. A little low for the American Express Centurion clients. Annual Fee converts to $816. Thanks to Google! 

 

Certainly doable for the MyFico Group.

 

Nice looker Smiley Happy

Message 5 of 20
Reply
Lou-natic
Established Contributor
‎08-03-2025 01:02 PM
‎08-03-2025 01:02 PM

Re: Citi Ultima

What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.




8/8/25
2/16/26
Message 6 of 20
Reply
Saleen099
Senior Contributor
‎08-03-2025 01:58 PM
‎08-03-2025 01:58 PM

Re: Citi Ultima

@Lou-natic wrote:

What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.

AED stands for the United Arab Emirates dirham

Message 7 of 20
Reply
ptatohed
Senior Contributor
‎08-03-2025 05:34 PM
‎08-03-2025 05:34 PM

Re: Citi Ultima

@Saleen099 wrote:
@Lou-natic wrote:

What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.

AED stands for the United Arab Emirates dirham

Which means???  Smiley LOL

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 8 of 20
0 Kudos
Reply
zerofire
Valued Contributor
‎08-03-2025 11:18 PM
‎08-03-2025 11:18 PM

Re: Citi Ultima

@ptatohed wrote:
@Saleen099 wrote:
@Lou-natic wrote:

What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.

AED stands for the United Arab Emirates dirham

Which means???  Smiley LOL

Its a type of currency. A diffrent currenct to the USD or US dollar.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony (OnePay Walmart CashRewards MC, PayPal Cashback WMC), UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
Message 9 of 20
0 Kudos
Reply
Saleen099
Senior Contributor
‎08-03-2025 11:33 PM
‎08-03-2025 11:33 PM

Re: Citi Ultima

@zerofire wrote:
@ptatohed wrote:
@Saleen099 wrote:
@Lou-natic wrote:

What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.

AED stands for the United Arab Emirates dirham

Which means???  Smiley LOL

Its a type of currency. A diffrent currenct to the USD or US dollar.

Dirham is the currency in United Arab Emirates. 🇦🇪 

Message 10 of 20
Reply
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.