Posted by William Charles on October 20, 2017
Credit Cards

Published on October 20th, 2017 | by William Charles

35

CitiBusiness ThankYou Card – 40,000 Points After Matching

One card many people aren’t aware even exists si the CitiBusiness ThankYou card. It has the following structure:

  • Card earns at the following rates:
    • 3x points per $1 in quarterly rotating categories (you’re automatically enrolled, there is no points cap and the categories have always stayed the same):
      • January-March: Advertising Services, Office Supply Merchants
      • April-June: Computer Equipment Merchants, Software Merchants, and Telecommunications Merchants
      • July-September: Airlines, Hotels and Car Rental merchants
      • October-December: Restaurants and Entertainment
    • 1x points per $1 spent
  • No annual fee
  • Earn an anniversary ThankYou Point bonus each membership year
  • 0% Introductory APY for six months
  • 3% foreign transaction fee

It’s only possible to sign up for the card in branch and the bonus is usually 20,000 Citi ThankYou points after $3,000 in spend. That being said some regions offer a bonus of 40,000 after $3,000 in spend. It’s actually possible to get matched to this higher bonus, secured messaging usually does not work but faxing/mailing does seem to work. Detailed instructions on how best to request the match are found here (recent positive datapoint here). As always requesting a match isn’t guaranteed even if it has been working for others, so make sure you’re comfortable just accepting 20,000 points if it doesn’t go through.

The great thing about this card/offer is that it’s a business card. Citi does not report business cards to your personal report, meaning they won’t count towards the Chase 5/24 rule. In addition this card is considered to be in a separate ‘family’ of cards from the personal ThankYou cards meaning you’re eligible for the bonus as long as you haven’t opened or closed this card within the last 24 months.

 



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Adam

Interesting, so no anti churn language on this?

Dang, wish we could apply for it online. No Citi branches around here. Is it possible to mail in an app or apply over the phone or some other way to apply for this?

JASON
JASON

Guess not. I guess one of the reasons for the bank to have in-branch application/offer is that that way they can make sure the person applying for whether a bank account or CC product is the real person himself/herself, without running the Chex questions from the system. Also, think about those bankers they got to show some activities so in-branch offer helps them with it, kind of.

Josh
Josh

I was thinking the same thing. No Citi branches around here in my part of Ohio. 🙁

Steve
Steve

Can these points be transferred to partners? Worthless if no.

travelinpoints

as always you need prestige/premier

travelinpoints

always should have been in quotation. sometimes citi allows non-prestige/premier cards to transfer to some partners but the rates at poor rate though. i’m not sure if that is possible with this CBTY card. your best bet, is simply to merge with prestige/premier account.

Will
Will

Is it possible to merge points to a prestige/premier card and then transfer them, like it is for Chase?

sdsearch
sdsearch

Yes and no. It’s not like Chase, in that Citi keeps track of which card you earned points with and can expire them early after merging, and will expire very quickly if you cancel the card you earned them with (what Citi calls the “sponsor’ account), and thus you CANNOT get signup bonuses on multiple TYP cards and pool those all together slowly (like you can with Chase UR or Amex MR) unless you keep EVERY card you earned points with open until you’ve redeemed ALL the points that were earned with that card.

So you should delay merging until you’re ready to transfer out (or otherwise use the merged points).

sdsearch
sdsearch

They can be transferred to partners, but not the usual list of partners. Other than Jet Blue and Hilton, no domestic partners. And most of their foreign partners have nasty “hard” expiration policies, so it can be hard to figure out where to “park” your points. Transferring (to most partners) is only practical if you’re going to redeem right away, not if you’re not going to “park” your points for use “sometime later”.

Sa
Sa

I know that the thankyou points have weird rules of transfering, redemption and expiration, depending on which card you used to get them. Anyone familiar enough with this card to tell if you can transfer these thankyou points to premier for example? Thanks.

travelinpoints

yes, you can even merge this TY account # with your personal TY account #.

Richard
Richard

Citi Product changed one of my old AA business cards into a Citibusiness TY card. Its been at least 1.5 yrs since citi cancelled the business TY card

Would I be elgible to apply for this and get the Bonus?

Nearest citi branch is Chicago for me. Anyone apply for CitiBusiness Ty and know whether the bonus is 20k or 40 k in the region?

Adam B
Adam B

Citi does not allow product changes for business cards. I spoke with 5 CSRs today (3/9/19) and was told that I could not product change my CitiBusiness AA Platinum card to any other card (like the CitiBusiness ThankYou Card). Personal cards allow for product changes, business cards do not.

Minor
Minor

Darn, really? I was considering getting CitiBusiness AA Platinum Select because I assumed you could downgrade/product change… They won’t even allow a downgrade to the CitiBusiness AA Select? (https://secure.fly.aa.com/citi/ecm/citi-aadvantage-business-select) I just came across this card today. Might be an old card like Chase Sapphire where you can only downgrade into it.

Mordechai
Mordechai

Do you need a Citi Checking account to apply for this?

Abelian Grape
Abelian Grape

One can only have one Citi business card at a time, right? So if I have the Citi AA business card, I’d need to cancel it before applying for this?

SkydiverMedic
SkydiverMedic

Nope, you can have more than one biz card with Citi, you just need to wait 90 days between apps. See here: https://www.google.com/amp/s/www.doctorofcredit.com/citis-application-rule-explained-865-rule/amp/

Beach Miles
Beach Miles

I don’t see any categories where I can buy my $500 gift cards.

Leo
Leo

You’ll just need to make them $500 Amazon or GAP gift cards at Staples. Or maybe $500 Olive Garden gift cards purchased at face value at your local restaurant. Just think creative. You can still buy $500 gift cards! 😀

SkydiverMedic
SkydiverMedic

Just happened to be visiting a City which has Citi when you posted this. Applied and went pending. I have 4 AA personal cards, the Prestige, and 1 AA biz. I think I’ll probably wait for a decision before calling recon. Will update with results on decision and possible match.

JC
JC

Will I receive sign up bonus for BUSINESS AA card if I had personal AA card within the past 24 months?

Slomichael
Slomichael

Banker can’t find offer in Chicago, will try another branch.

Abey
Abey

Never realized that business cards doesnt count towards 5/24.
Its amazing how much I learn every day here.

sdsearch
sdsearch

Business cards don’t count to 5/24 from banks. Business cards from Capital One and Discover do count to 5/24.

It has to do with whether a particular bank posts business card activity to EQ/EX/TU or not. Most banks don’t, but Cap One and Discover do.

Chase 5/24 works by scouring your credit report for cards with an “open on” date in the past 24 months, so any cards that don’t appear there it can’t see (except MAYBE cards at Chase itself, though up to now it generally hasn’t looked at those).

Hannah
Hannah

Any Citibanks in Manhattan offering 40,000 Thank you points on the business card?

MarcoPolo
MarcoPolo

@ William
Do these points transfer to asia miles?
Thanks

Evan
Evan

I tried earlier this month to get them to match me to the 40,000 TYP offer and got a hard “no” as a response lol. I’ll probably try again just to eliminate the possibility that my request was received by a surly rep. If it’s another no, then I’m cool with my 20,000 points.

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