Citigold Review (2026.10 Update: $2,000 Offer, Small Changes)

[2026.10 Update] The welcome bonus is $2,000 for depositing $200,000. Offer ends 01/11/27. One recent change is that funds held in a Citi Savings account now also count toward the bonus requirements. Citi has also introduced Citi Premium Boost: Meet this account’s minimum balance requirement and receive at least $5,000 in Enhanced Direct Deposits (EDDs) each month to qualify for a higher rate on your Citi Savings account—4.00% APY as of October 2026. This makes the opportunity cost of keeping your money in the account relatively low.

[2025.7 Update] It seems starting from 2019, Citigold added a $200 Subscription Rebate benefit: earn up to $200 in statement credits for subscriptions made with: Amazon Prime, Costco, Audible, Hulu, Spotify, TSA PreCheck, Global Entry.

[2024.10 Update] The new offer is $1,500 with $200k deposit requirement.

[2024.1 Update] The new bonus is $1,500/$2,500 with deposit requirement $200k/$300k. The bonus offer seems nice, but requiring $200,000 in the checking account (not including savings or brokerage account!) is insane in my opinion. Nowadays a simple savings account can give you 5%+ APY, so this bonus is completely not worth it.

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Benefits

1. $2,000 sign-up bonus! Please read below for the requirements to get this bonus.
2. No monthly fee. But In order to be eligible, you must maintain $200,000 in combined average monthly balance in all eligible deposit, retirement, and investment accounts.
3. [New] $200 Subscription Rebate: earn up to $200 in statement credits for subscriptions made with: Amazon Prime, Costco, Audible, Hulu, Spotify, TSA PreCheck, Global Entry.
4. Discounted annual fees for some premium credit cards from Citi. The reduced annual fees remain even if you close your Citigold account thereafter.
5. Free access to non-Citi ATM.
6. $0 Early Termination Fee. So you can close your account at any time, or you can downgrade it to the basic version checking account.
7. [New] Citi Premium Boost: Meet this account’s minimum balance requirement and receive at least $5,000 in Enhanced Direct Deposits (EDDs) each month to qualify for a higher rate on your Citi Savings account—4.00% APY as of October 2026. This makes the opportunity cost of keeping your money in the account relatively low.

Bonus Requirements

1. This bonus is only available for new clients. Those who currently have a Citi checking or savings account, or have closed an account within 180 days are not eligible for this offer. Those with a Citi credit card are not exempt from these rules.
2. Deposit the required amount into your account within 45 calendar days of account opening, then maintain at least that balance every day from day 46 through day 90. The deposit requirements and corresponding cash bonuses are listed below:
   

   Deposit Amount	Bonus
   $30,000	$500
   $200,000	$2,000
   $1,000,000	$4,000

3. [Update] Funds held in both checking and savings accounts count toward the deposit and balance requirements.

Different Citi Checking Accounts

Here is a comparison and contrast on the official website.

Summary

Citigold used to be available to everyone as long as you are willing to pay the monthly fee. However, after Nov. 2016, Citigold requires a balance of at least $200,000 to maintain the account. Now only rich people can consider this account. Now that funds held in savings count toward the bonus requirements and the savings rate can be boosted to a competitive level, this welcome bonus is worth pursuing—provided you have that much spare cash to move around.

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