Citigold Adds $200 Annual Benefit for Subscriptions to Amazon Prime, Costco, Spotify, Audible, Hulu, TSA Precheck, or Global Entry
Update 8/26/19: If you weren’t able to sign up in June, try again now as this is now available to more people.
Citibank has added a $200 annual benefit for select subscriptions for those with Citigold relationship status. The following subscriptions are eligible: Amazon prime, Audible, Spotify, Hulu, TSA Precheck, Global Entry, Costco membership. Citigold is only available to those who have $200,000 on deposit or investments with Citi.
The benefit works on both monthly fees and annual fees. Renewals work too.
Pay for the subscription with your Citigold debit card and the cost will be rebated. You need to select the subscriptions you want and register before using the benefit. You can select of of the available options if you’d like, but there is a limit of $200 in annual rebates. You’ll see in your online login how much was used and how much remains.
The Fine Print
- Must register by December 15th.
- Any subscriptions purchased after 11:59 P.M. ET on December 30 will be counted toward your $200 allotment for the following calendar year.
- The customer must have received a direct invitation from Citibank to participate in this program. Only the customer named in the invitation is eligible to participate to receive the rebates for subscriptions purchased on their Citigold Debit Card.
- According to reader HR: The benefit is currently only for residents of NY, NJ and CT. Will roll-out to other states at a later date.
Hat tip to ConflictedJew on r/churning
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I have a citigold relationship but when i tried the link it wouldnt work. so I guess I wasnt targeted
What’s the % interest on this account & monthly charges again?
no charge if you keep your balance over 200k, interest rates sucks. only have checking and IRA account with them
No monthly fee, but you’ll need to maintain a $200k monthly balance.
APY is 2.36% in my area
Like all the other big banks, the interest rate sucks. At the high balance requirement amounts, it isn’t worth it if you’re “saving” money versus “investing”.
Actually, it is definitely worth it. You can open an investment account and dump some no-fee mutual funds there, and have an amazing banking relationship. If you take advantage of all the “Thank You Points for Banking” offers (which is easy to do) they will give you 1200 points per month just for keeping the relationship, which has a value of over $20/month. Name another bank that pays you over $20/month just for being alive? Add that to the $200 subs benefit, and the $145 discount off the excellent Citi Prestige card, and the free services like ATM and Wire transfer, and the first class service you get as Citigold, it is a no brainer. I wouldn’t bank anywhere else.
You’re agreeing with me. Mutual funds are investing. If you’re caring about the interest rate, that’s savings. If you’re putting 200k into savings to qualify for citigold, you’re likely doing it wrong.
I’d say if you’re keeping $200K in cash anywhere you’re doing it wrong. Of course Citigold also considers taxable investment and retirement accounts. And their Accelerate savings product is yielding >2% at the moment. So, no, he’s not agreeing with you and Citigold is a pretty good offer if you have $200K in almost any kind of asset to park.
I get the same first-class service and free ATMs at the First Republic for only a $3,500 deposit. Can you clarify what you mean by dumping no-fee mutual funds into the account?
For free wire transfers, it looks like you need to have a $500,000 balance?
Chase Sapphire Banking is another way to get free wire transfers, and they only require $75,000 balance. (Though, I’m hesitant to use Chase for any transfers, given their reputation for blocking transfers or shutting down accounts, though I’m not sure if that applies specifically to wires.)
I can’t find any material on that anywhere.
https://online.citi.com/JRS/popups/BankingRewards.pdf
High Yield Savings Account is not available in NY, NJ, and CT. So I am not sure if this $200 benefit would be available to other states.
For the benefits you list it might be worth a few basis points, i.e. under .1% to be competitive with vanguard or schwab. But I can’t find a list of their investment products with expense ratios so it’s hard to even contemplate.
I’m getting 1.75% on my Fidelity money market and .04% on my Citi Savings acct.
You can easily make 3% Tax Free on 200k ($6000) (or more) on AAA Muni bonds
I believe Citi includes all assets with them including retirement and investment accounts. Somebody correct me if I’m wrong.
that is correct. It is the only way I qualify
I was going to joke and ask who can lend me $200K to put in an account. But if retirement accounts work and can keep my mutual funds or stocks as is, it would be gravy to get a free costco membership, reduced prestige annual fee or whatever else citigold gets.
Citigold (or even Priority) no longer comes with a decreased AF for Prestige.
CitiGold says on it’s website you get a decreased annual fee of $145: https://citigold.citi.com/experiences/lifestyle.html
Not quite — $145 is credited after paying the full AF. If Citi does not screw up (doubtful), the net AF would be $350 + $50 for each AU.
there are data points of Citi NOT honoring that after April signups. YMMV but multiple dp’s out there of this….
Actually, this appears to be a new update. All references to AF discounts were removed when they first announced the changes. I was going to upgrade to CG at the time but decided not to when this benefit disappeared and people reported no longer getting the discount. And the fact that this is a statement credit and not simply a lower AF is new. The CitiBike benefit is also valuable to me as an annual member. For me, upgrading to CG and keeping my Prestige with these new (and restored) benefits is now a no-brainer when I was ready to bail on my Citi relationship.
You get to keep all of them. Citigold also gets you $2.95 equity trades and unlimited free ETF trades. The 2.36% HYS is not bad either.
Let me clarify that in the post.
Yes. They also include mortgage and loan balances.
@ Froide, Are you sure?
Is there a live offer for a Thank You points bonus for signing up for Citigold? Been considering signing up, and a bonus plus this deal might make the switch worth it.
https://www.doctorofcredit.com/targeted-citi-checking-bonus-700/
$700 for signing up for Citigold and meeting a few other requirements. Targeted offer sent to people who already have a Citibank credit card, in snail mail and in your online account. Must have a physical Citibank branch you can get to before June 30 to sign up.
I had issue signing up so Emailed my Citigold relationship manager. It appears this is an piloting program for New York area so not everyone can get it. However, my sister got it even not in New York. So maybe YMMY
Targeted? Here is the reply I got:
Oops!
There seems to be an issue with processing your request. Please check the information that you entered to make sure it matches the information on your Citigold Debit Card and try again or contact your Citigold Relationship Manager to understand eligibility.
You may also call the dedicated service line at 1-888-433-5370 | TTY: 1-800-788-6775.
The benefit is currently only for residents of NY, NJ and CT. Will roll-out to other states at a later date.
I’ll add that. Thanks.
Doesn’t work for me, and I live in NY.
Guess it’s targeted.
It is targeted, I got email from Citigold about it, I am in NY, and guess what, getting the same error as others:
Oops!
There seems to be an issue with processing your request. Please check the information that you entered to make sure it matches the information on your Citigold Debit Card and try again or contact your Citigold Relationship Manager to understand eligibility.
Make sure the name is exactly as on the Debit card. Space, “-” etc
I checked again today. Have a NY account although now out out west. Still nothing ! grrr.
My local relationship manager had no idea about this program, nor the citi museum program
I got the email today, title: “X, enjoy $200 in rebates on your favorite subscriptions”. So if you weren’t able to signup in June, you can try it now.
Not working for me, I don’t have 200k in my account
I just tried Costco, website say only Visa cards. My citi debit card is a MasterCard. Anyone else having same problem?
Costco only accept Visa “credit card” but they do accept any kinds of debit card (Visa, Mastercard, Amex, Discover)
On the renew page, it said visa signature debit card and visa credit cards
Just got off the phone with a Costco CSR. For auto-renew, it’s Visa only. It can be credit or debit, but it must be a Visa. What I did was stop my auto-renew, and I will call in with my Citi debit card two months before renewal.
that’s retarded of Costco.
Can you please write a comprehensive post about citigold when you get the time? I think it has become interesting like BofA preferred rewards but citi makes it hard to actually understand what is included with all these hidden benefits. They are trying to not get costs maybe. I wouldn’t become just for the benefits that are listed on their website.
Thank you
*costs=clients
Finally got the targeted email for P2’s account yesterday. Which is strange since its actually P1 accounts that create the CitiGold status, which is shared among household members. We’ll try it on our Amazon Prime renewal in a week…..
worked smoothly. have two accounts entitled to this perk, but its only being offered for one. others are reporting that households with multiple eligible a/c are getting the subscription benefit extended to all of them, so a little disappointing.