General

Stack the Citi Rewards + 10% Points Rebate With Your Other ThankYou Cards

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The Citi Rewards + is a card that I don’t find particularly interesting on its own. I frankly wouldn’t try to “sell” you the card because with a paltry 15,000 point bonus offer and a restriction of one points-family bonus per 24 months, it’s not the best way to go. You’re better off getting a Citi Premier for 50,000 bonus points, given the difference in spend you’d have to put on in the first year to break even.

Its benefits are interesting but not too interesting:

Round up to the nearest 10 points on all purchases. Earn 2x at supermarkets and gas stations for the first $6,000 combined per year, and 1x everywhere else, before rounding up. Get 10% back when you redeem your points for the first 100,000 points redeemed per calendar year.

However, Harlan Vaughn revealed yesterday on Twitter, and later in a post on MMS, that he got a nice surprise recently. He redeemed from a linked Citi Premier card, but still got the 10% rebate.

To explain further, you will apparently (not guaranteed, of course) get 10% of your first 100,000 in redeemed points rebated as long as you *have* the Rewards +.

The Strategy

My advice is to product change another dormant Citi card, if you have one, to take advantage. Any Citi ThankYou earning personal card should be able to be product changed to this with no change to your account number (and therefore without resetting your 1/24 clock).

If you don’t, I’d still go for the Premier for the bonus and then PC to this card later.

If you have another Citi card that doesn’t earn TY, you can still product change it but that is likely to generate a new acrd number which may reset that 1/24 count making you ineligible for another ThankYou bonus for 2 years.

Let me know if you have any questions! Ask me here, on Twitter, or in the private MilesTalk Facebook group.

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