The best time to apply for these popular Citi credit cards based on offer history

Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information and offers. Citi is a TPG advertising partner. When you’re considering a new credit card, you’ll want to factor in the value of its welcome bonus. That’s because many welcome offers account for a sizable portion of a card’s first-year value. Most credit cards will occasionally offer elevated bonuses for new cardholders, which means the number of points you collect upfront will vary. With Citi cards, this is no exception. We’ve used TPG’s July 2026 valuations to determine the value of all welcome bonuses in this article. Our valuations place Citi ThankYou Rewards points at 1.9 cents apiece. To maximize your return, it’s worth timing your application around the strongest available welcome offer. Knowing how today’s offer compares to historical bonuses can help. That’s where we come in. We’ve collected all the information on Citi’s most lucrative bonuses to help you pick the best time to apply. Below, we’ve listed the most popular Citi ThankYou points-earning cards, their best welcome offers and our recommendations for when to apply. All these offers are publicly available. Individual, targeted offers may be higher than what we’ve compiled. And these offers may change at any time, so some may no longer be available. Finally, you’ll want to consider Citi’s 48-month rule for earning welcome bonuses. If you’ve previously earned a welcome bonus on most of its cards, you’ll have to wait 48 months to earn a welcome bonus again. With that in mind, here are the best Citi card welcome offers. Daily Newsletter Reward your inbox with the TPG Daily newsletter Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts Email address Sign up Submitting... By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time. Citi Strata Elite℠ Card Earn 100,000 bonus points after spending $4,000 on purchases in the first three months of account opening (must apply in person at a Citi branch). When the bonus offer is 100,000 points or higher. Citi Strata Premier® Card Earn 75,000 bonus points after spending $4,000 on purchases in the first three months of account opening. When the bonus offer is 70,000 points or higher. Citi Strata℠ Card Earn 30,000 bonus points after spending $1,000 on purchases in the first three months of account opening. When the bonus offer is 30,000 points or higher. Citi Double Cash® Card Earn $200 cash back after spending $1,500 on purchases in the first six months of account opening. When there is any cash-back welcome offer. Citi Strata Elite The Citi Strata Elite is Citi's latest entry into the premium travel card market. For a $595 annual fee, it offers high-earning rates, valuable lifestyle credits and top-tier travel perks…