The only way to get a Citibank credit card upgrade is through an e-mail invite. Citi no longer allows cardholders to request upgrades online. The e-mail invitation some customers may receive will include a toll-free number to upgrade over the phone as well as an invitation number that you will need to provide.
When you receive an upgrade offer, it will be for a specific card similar to what you already have. For example, you won’t get an offer to upgrade from the Double Cash card to a Citi business card or a co-branded airlines card. But you might receive an offer to upgrade from Citi Rewards+ to Citi Premier, which has a better rewards structure.
Upgrading a Citibank credit card is simple. If you want the upgraded card, click the “Upgrade Now” link in your e-mail before the listed expiration date. The upgraded card should arrive in 7-10 business days. Citibank makes decisions on upgrades using a soft credit inquiry, meaning your credit score will not be affected.
An upgraded credit card will come with a different account number. If there’s an annual fee, it will appear as a charge on the first statement after you upgrade unless the card waives the annual fee for the first year. Any refunds on your original card’s annual fee will be credited to the upgraded account. Citi will prorate the refund based on the number of months since you paid the annual fee. Your current balance, credit limit, APR and any rewards earned will automatically transfer to the new card. However, you won’t be eligible for any sign-up bonuses on an upgraded card.
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