Discover November 2023’s Premium Citi Offers: Unique Promo Codes, Bonuses & Coupons

Citi bank promotions

Citi® is one of the biggest banks in the world. No matter where you live in the U.S., there’s likely to be a Citi location or ATM near you. Like many banks, Citi offers promotions to attract new customers to the bank. In most cases, you can earn a Citibank bonus just by using your account — no Citi bonus coupons required.

Best Citi Checking and Savings Account Promotions

If you’re looking for free money for your checking account, look no further than these Citi promotions. While there’s no $5,000 bonus right now, you could be as much as $2,000 richer after taking advantage of some high-yield savings account offers to checking account sign-up bonuses. 

Citi Welcome Checking Cash Bonus Offer: Up to $2,000 Bonus

New customers who open an eligible checking account can claim a Citi bank bonus of up to $2,000 by meeting the deposit minimum and maintaining it for 60 days. Eligible accounts include Access, Basic, Citibank® Account, Citi Priority and Citigold®.

  • Cash value: Up to $2,000
  • Minimum deposit to qualify: $10,000
  • Expiration date: Jan. 9, 2024
  • How to get it:
    • The same day you open a new eligible checking account, enroll in the offer directly from the offer page or with a Citi representative, either by phone or in-branch, and deposit the qualifying amount within 20 days of opening the account. Your bonus amount will be determined based on the balance in your account 20 days later. If you also open a new Citi savings account, your combined checking and savings balances will count toward the Citi checking account bonus requirements. The bonus tiers are as follows:
      • $10,000-$29,999: $200 bonus
      • $30,000-$74,999: $500 bonus
      • $75,000-$199,999: $1,000 bonus
      • $200,000-$299,999: $1,500 bonus
      • $300,000 and above: $2,000 bonus
    • After making the qualifying deposit within the first 20 days, maintain that minimum balance for a consecutive 60 days following the 21st day to receive the cash bonus. Refer to the offer for full terms and conditions.
  • When you’ll get it: Within 30 days of completing the required activities.
  • Terms and conditions: You must be at least 18 years of age, meet the balance requirements described above with new-to-Citi funds and not have held a Citi checking account in the past 180 days. Your account must be open and in good standing to receive the bonus.
  • Monthly fee: See website for details.
  • Promotion page: Citi checking account bonus offer
A Better Way to Bank

Citi® Checking Account Bonus: Fees Waived

Citi® will waive your checking-account fees for three months when you open an account with a relationship tier or in any month in which the account receives $250 or more in enhanced direct deposits. Choose between Access and Regular checking. Regular Checking customers also have their $2.50 non-network ATM fees waived when the account receives at least $250 in enhanced direct deposits.

  • Cash value: $5 for Access Checking, $15 for Regular Checking, for three-month waiver
  • Minimum deposit to qualify: None
  • Expiration date: None
  • How to get it: Open an account with a relationship tier (i.e., open a savings account at the same time) to have fee waived for three months. Receive $250 or more in enhanced direct deposits to have fee waived each month.
  • When you’ll get it: N/A
  • Monthly maintenance fee: $5 for Access Checking, $15 for Regular Checking
  • Promotion page: Citi checking account fees offer

Citi®Accelerate Savings Account: APY

Customers in eligible locations can earn up to 16x the national average with a Citi® Accelerate Savings Account, a high-yield account that gives customers the benefit of earning one of the highest rates, regardless of account balance. This online-only account is easy to sign up for, has no limit on interest earned and also has goal-setting and budgeting tools available to help you reach your savings goals. The Citi Accelerate savings rate is APY as of Nov. 14, 2023.

  • Cash value: Variable
  • Expiration date: None
  • How to get it:
    • To earn this interest rate, open a new Citi® Accelerate Savings Account
    • Then, because this account does not honor checks transactions of any kind, transfer funds electronically from your other accounts.
    • All interest earned will be automatically added to your account balance.
    • See the offer page for full terms and conditions.
  • When you’ll get it: Interest is compounded daily and paid monthly.
  • Terms and conditions: To qualify for the Citi® Accelerate savings bonus, when a Citi® Accelerate Savings Account is opened, it must be in a relationship tier and is subject to the applicable fees, including the non-Citibank ATM fees. Any check transactions on a Citi® Accelerate Savings account that involve a check, or third-party authorizations that come through as a check transaction will not be honored. Interest rates for Interest Checking and Citi® Accelerate savings are variable, and can change at any time before and after account opening. Interest rate is based on your residential (not mailing) address and applied to your account balance.
  • Monthly fee: See website for details.
  • Promotion page: Citi high-yield savings offer
A Better Way to Bank

Citi® Savings Account Bonus: Fees Waived

Citi® will waive your $4.95 savings-account fees for three months after account opening or with a relationship tier, $500 average monthly balance or a Citi checking account. Relationship tiers provide benefits immediately, and all your eligible account balances qualify.

  • Cash value: $14.85 for three-month waiver
  • Minimum deposit to qualify: None
  • Expiration date: None
  • How to get it: Open an account with a relationship tier (i.e., open a savings account at the same time) to have fee waived for three months. Receive $250 or more in Enhanced Direct Deposits to have fee waived each month.
  • When you’ll get it: N/A
  • Monthly fee: $5 for Access Checking, $15 for Regular Checking
  • Promotion page: Citi savings account fees offer

Best Citi Credit Card Promotions

Citi is known for its credit cards. Read on for the best current offers that will have you raking in the rewards.

: 60,000 Bonus Points–a $600 Value

The Citi Premier credit card was designed for travelers. You’ll earn triple points on purchases made at restaurants, supermarkets and gas stations and on air travel and hotels. The card also comes with an annual hotel benefit and no foreign transaction fees. Open a new card and start using it to earn 60,000 bonus points. 

  • Cash value: $600
  • Minimum spend to qualify: $4,000
  • Expiration date: None
  • How to get it: Spend $4,000 within the first three months of account opening.
  • When you’ll get it: After the close of the billing cycle
  • Terms and conditions: Not available if you’ve received a new cardmember bonus on another Citi card
  • Annual fee:
  • Promotion page: Citi Premier Card bonus offer
A Better Way to Bank

: 20,000 Bonus Points–a $200 Value

The Citi Rewards+ card rounds up to the nearest 10 points with every purchase. You earn double points at supermarkets and gas stations for the first $6,000 you spend each year. New cardholders also earn bonus points when they use their new account. 

  • Cash value: $200
  • Minimum spend to qualify: $1,500
  • Expiration date: None
  • How to get it: Open a Citi Rewards+ credit card. Use it to spend $1,500 within the first three months of account opening.
  • When you’ll get it: After the close of the billing cycle
  • Terms and conditions: Not available if you’ve received a new cardmember bonus on another Citi card or if you have closed another Citi rewards card in the past 24 months
  • Annual fee: None
  • Promotion page: Citi Rewards+ Card bonus offer

: 20,000 Bonus Points–a $200 Value

The Citi Custom Cash Card offers 5% cash back on purchases in your highest eligible spending category up to $500 spent in each billing cycle and 1% cash back on everything else. New cardholders can earn bonus cash back. Here’s how:

  • Cash value: $200
  • Minimum spend to qualify: $1,500
  • Expiration date: None
  • How to get it: Open a new Citi Custom Cash card and spend $1,500 in the first six months of account opening.
  • When you’ll get it: After the close of the billing cycle
  • Terms and conditions: Not available if you have received a bonus for opening a Custom Cash card in the past 48 months.
  • Annual fee: None
  • Promotion page: Citi Custom Cash Card bonus offer
A Better Way to Bank

AT&T Points Plus Card: $100

The AT&T Points Plus card offers up to $240 back on your AT&T wireless bills each year, as well as 3x points at gas stations, 2x points at grocery stores and 1x points on everything else. New cardholders can earn a $100 statement credit. If eligible, you can earn as much as $240 toward your AT&T wireless bill each year.

  • Cash value: $100
  • Minimum spend to qualify: $1,000
  • Expiration date: None
  • How to get it: Open a new AT&T Points Plus card and spend $1,000 in the first three months.
  • When you’ll get it: After the close of the billing cycle
  • Terms and conditions: Bonus offer is only available to customers who have not earned a bonus offer for an AT&T Points Plus card within the past 48 months. If you complete the qualifying activities, you can also receive up to $240 toward your AT&T wireless bill each year.
  • Annual fee: None
  • Promotion page: AT&T Points Plus Card bonus offer

American Airlines AAdvantage® MileUp® Card: 10,000 Bonus Miles and $50 Statement Credit–a $150 Value

Travelers who prefer American Airlines can earn AAdvantage miles with this card — 2x miles at grocery stores and on American Airlines purchases and 1x miles on everything else. New cardholders can also earn both bonus miles and a statement credit. 

  • Cash value: $150
  • Minimum spend to qualify: $500
  • Expiration date: None
  • How to get it: Open a new American Airlines AAdvantage MileUp card and spend $500 in the first three months.
  • When you’ll get it: After the close of the billing cycle
  • Terms and conditions: Not available to customers who have received a bonus for an AAdvantage MileUp card in the past 48 months.
  • Annual fee: None
  • Promotion page: American Airlines AAdvantage MileUp Card bonus offer
A Better Way to Bank

Citi®/AAdvantage® Executive World Elite Mastercard®: 70,000 Bonus Miles–a $700 Value

Cardholders earn 4X miles on qualifying American Airlines purchases for every $1 spent with the Citi® / AAdvantage® Executive World Elite Mastercard® for any American Airlines purchases, as well as 10 AAdvantage Miles®for hotels and car rentals. You can earn 1x points on other purchases, one loyalty point for each mile earned and 10,000 Loyalty Points after reaching 50,000 in one year. New cardholders can also earn bonus miles.

  • Cash value: $700
  • Minimum spend to qualify: $7,000
  • Expiration date: None
  • How to get it: Open a new Citi / AAdvantage Executive World Elite Mastercard and spend $7,000 in the first three months.
  • When you’ll get it: Eight to 10 weeks after meeting requirements
  • Terms and conditions: Not available to customers who have received a bonus for this card in the past 48 months. Offer only available in the U.S. and its territories, excluding Puerto Rico and the U.S. Virgin Islands
  • Annual fee: $595
  • Promotion page: Citi / AAdvantage Executive World Elite Mastercard bonus offer

Citi®/AAdvantage® Platinum Select® World Elite Mastercard®: 50,000 Bonus Miles–a $500 Value

Another card with perks for American Airlines flyers, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers 2x miles at restaurants and gas stations, as well as on American Airlines purchases, and 1x miles on other purchases. New cardholders can earn bonus miles.

  • Cash value: $500
  • Minimum spend to qualify: $2,500
  • Expiration date: None
  • How to get it: Open a new Citi / AAdvantage Platinum Select World Elite Mastercard and spend $2,500 within the first three months.
  • When you’ll get it: After the close of the billing cycle
  • Terms and conditions: Not available to customers who have received a bonus offer for this card within the past 48 months.
  • Annual fee: $99, waived for the first 12 months
  • Promotion page: Citi / AAdvantage Platinum Select World Elite Mastercard bonus offer
A Better Way to Bank

CitiBusiness®/AAdvantage® Platinum Select® Mastercard®: 65,000 Bonus Miles–a $650 Value

If you frequently travel for business, you can put the CitiBusiness/AAdvantage Platinum Select Mastercard to good use. You’ll enjoy perks like preferred boarding and savings on air travel while earning AAdvantage miles for every dollar you spend. New customers can earn an additional 65,000 bonus miles after opening a new account

  • Cash value: $650
  • Minimum spend to qualify: $4,000
  • Expiration date: None
  • How to get it: Spend $4,000 in the first four months after account opening.
  • When you’ll get it: Eight to 10 weeks after meeting requirements
  • Terms and conditions: The offer is not available to those who received a new account bonus from CitiBusiness or AAdvantage Platinum Select in the past 48 months. Accounts are subject to approval.
  • Annual fee: $99, waived the first 12 months
  • Promotion page: CitiBusiness/AAdvantage Platinum Select Mastercard bonus offer

Citi® Online Member-Get-Member Promotion: $150 Per Referral Plus Up to $1,050 Bonus Cash

Citi wants to reward you for inviting your friends and family to take advantage of welcome offers that could earn them 8% cash back, 30,000 bonus miles or 40,000 bonus miles, depending on which eligible card they’re approved for and accept. Make enough successful referrals during the qualifying period and you could get an extra bonus.

  • Cash value: Up to $2,250
  • Expiration date: Jan. 31, 2024
    • Feb. 29, 2024 for the Citi Prestige Card
  • How to get it: Invite new-to-Citi family and friends to apply for an eligible card via your referral invitation code. For each referral who opens an eligible account, you receive a $150 base bonus. For the second through eighth successful referrals, you receive an additional $150 bonus per referral.
  • When you’ll get it: Six to eight weeks after successful referral
  • Promotion page: Member-Get-Member Promotion

Other Citi Offers

Citi is currently offering promotions that may interest those looking to get into the real estate market or who have friends or family members who are looking to open a new Citi account.

Citi® Mortgage Promotion: $500 Closing Cost Credit

Apply for a Citi® mortgage, and if you’re approved, you’ll receive a closing credit.

  • Cash value: $500 
  • Expiration date: None
  • How to get it: Apply and be approved for a Citi mortgage, and mention code 10818 to your mortgage representative.
  • When you’ll get it: At closing
  • Terms and conditions: This credit cannot be combined with other offers, and it may not be applied to the appraisal fee. Contact your Citi mortgage representative for relationship and other offers that might be available to you.
  • Annual fee: None
  • Promotion page: Citi Mortgage promotion

Citi® Business Checking: Up to $2,000 Bonus

Citi offers new business checking customers the opportunity to earn some bonus cash with a new checking account. Three account types are eligible, making the offer ideal for anyone who has a small business, needs flexibility or is on the larger side with more transactions and bigger deposits.

  • Cash value: Up to $2,000
  • Minimum deposit to qualify: $5,000
  • Expiration date: Jan. 9, 2024
  • How to get it:
    • To get this offer, you must open a new business checking account in a branch. You can fill out the form on the offer page to get connected with a business specialist. The eligible accounts are Citi Business (Analyzed), Streamlined or Flexible Checking.
    • Then, fund your account within 30 days of opening and maintain that balance for 60 days. The balances and corresponding bonuses are as follows:
      • $5,000-$19,999 deposit: $300 bonus
      • $20,000-$99,999 deposit: $750 bonus
      • $100,000$199,999 deposit: $1,500 bonus
      • $200,000 or more: $2,000 bonus
  • When you’ll get it: Within 90 days from the end of the month in which you complete the requirements.
  • Terms and conditions: The deposits must be in new-to-the-bank funds, and the account holder must not have already held a Citi business checking account within 180 days of opening the new eligible account. The offer is not transferable and can’t be combined with any other offer.
  • Monthly fee: See website for details.
  • Promotion page: Citi business checking offer

Past Citi® Promotions

Although past promotions aren’t available anymore, they give you an idea of the kinds of offers you might see in the future.

Citigold® Private Client Referral Bonus: Up to $10,000

Clients with existing Citigold® Private Client accounts could refer friends and family members to earn $500 for every successful referral, up to 20 referrals.

  • Cash value: Up to $10,000
  • Minimum deposit to qualify: None
  • Expiration date: July 23, 2023
  • How to get it: New-to-Citi customers must use your referral link to open an eligible checking account and keep the account open and in good standing until the referral bonus is paid.
  • When you’ll get it: Within 90 days from the qualified account opening
  • Terms and conditions: Referrer must be at least 18 years old, a Citigold® client and have a valid W-9 form. Referred client must open an eligible checking account using the unique referral code or link and have not held a Citi checking account within the last 180 days. Each client may refer up to 20 new clients.
  • Annual fee: Varies by account
  • Promotion page: Citi Referral bonus offer

Final Take To GO: Should You Switch to Citi?

Citi offers plenty of variety when it comes to basic banking, online banking, branch availability, a variety of different bank accounts and products and online and mobile banking options. If you can earn one of the top bonuses, such as the Citi $1,500 bonus or $2,000 bonus, it may be worth switching to Citi and getting the cash.

However, if you prefer a smaller bank with lower fees and lower minimum deposits, you’ll probably want to look elsewhere. You can explore your options by checking out the newest promotions, bonuses and offers available at other banks.

More on Citi Bank

Caitlyn Moorhead, Daria Uhlig, Julia Gordon, Levi Leidy and Amber Barkley, and Caitlin Cao contributed to the reporting for this article.

Information on promotions is accurate as of Nov. 13, 2023. Additional requirements may apply. Offers and terms are subject to change. For the most up-to-date information on an institution or its accounts, visit its website.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

BEFORE YOU GO

See Today's Best
Banking Offers