Citi Credit Card Product Change Rules and Options

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Citi is incredibly flexible in allowing credit card product changes.

Why Product Change a Citi Credit Card?

  1. You want a card that has little or no sign-up bonus, though its points earning or benefits make you want one in your wallet.
  2. You want a card not currently open to new applications, such as Citi Dividend or AT&T Access More.

You can change most any current Citi personal card to a wide range of cards. I have 2 AT&T Access More cards and 7 Dividend cards.

Citi Credit Card Product Change Rules:

  • The card must have been open for 12 months prior to conversion.
  • You won’t get any sign-up bonuses.
  • Conversions are scheduled for an effective date 51 days from when you request the conversion. During that period you can reverse the conversion.
  • The actual change may be as quick as same-day, particularly within product family (e.g. AT&T cards).
  • Once you see the new card in your account or receive the new card, the new card’s terms are effective for any future purchases, regardless of the official 51-day date.
  • You’ll get charged/refunded prorated annual fees based on the 51-day date.
  • Officially, the conversion will not reset the ’24-month rule’ clock for getting a new sign-up bonus on a card in the same product family IF the card number stays the same. Listen to the disclosures in your conversion call to find out if your number will change or not.
  • Converting from a ThankYou point-earning card to non-ThankYou point-earning card will trigger a 60-day clock to use those points, and they’ll be the first out of your account next time you redeem ThankYou points.
  • To convert to the Costco card, you must have a current Costco membership and make sure the agent attaches your Costco membership number to the conversion. My first attempt failed because my number was not attached and Citi had to restart the 51-day clock.

How to Product Change Your Citi Credit Card:

Call the number on the back of your card and ask to product change.

Some tips:

  1. If you have a Citi Prestige card, call that number regardless of what card you plan to product change. The agents in Kentucky and South Dakota are superb.
  2. If you are told no, HUCA (‘hang up, call again’).
  3. If you are told no again, say you want to cancel the account so you’ll be transferred to the retention department which is more familiar with product change.

On January 31, 2018 I called the Citi Prestige line and product changed an AT&T Access to AT&T Access More and AA Platinum to Dividend.

Citi Credit Cards

Citi Credit Card Product Change Options:

(as of February 2018)

  • Citi® Double Cash Card
  • Citi® Diamond Preferred® Card
  • Citi® CashReturns® (an old 1% cash back card)
  • Citi® Dividend
  • Citi® Dividend World Elite (same cashback program as regular Dividend)
  • Citi® / AAdvantage® Executive World EliteTM Mastercard®
  • Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
  • Citi® / AAdvantage® Gold World Elite™ Mastercard®
  • Citi® / AAdvantage® Bronze Mastercard
  • Citi Prestige® Card
  • Citi ThankYou® Premier Card
  • Citi ThankYou® Preferred Card
  • EXPEDIA®+ CARD From Citi
  • AT&T Access More Card From Citi
  • AT&T Access Card From Citi
  • AT&T Universal Savings and Rewards (5x on AT&T purchases)
  • Costco Anywhere Visa® Card By Citi

What’s missing?

  • Citi Simplicity® Card (I guess you can get out of one, just not into one. Update: I’ve received two reports that you can’t get out of one.)
  • Sears MasterCard®

Have at it!

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Stefan KrasowskiTC111FlyingBoatScubaSteveKoob Recent comment authors

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Anyone had any luck getting out of the simplicity card? I have been trying to convert it to something useful for about 3 years now (I’ve had the card over 4 years) and I get a resounding NO every time. This articles suggests you may be able to get out of one, but I sure can’t figure out how! They always say the card is too “special” to change out of…What I can’t figure out is why it is so special, the only special thing about the card is you don’t get any rewards or benefits from it.


Hmm, might be a way to get the higher annual benefit for Price or Return Protection on a Prestige Card. Change to Prestige, get the $500 per item and then change back. I might do this right now for something I want to buy for $500 but want return protection.


I just called citi, asking to convert a citi dividend card to the aadvantage platinum select card. I was told it was ineligible to convert to that card but was eligible to convert to some others, even the aadvantage executive world elite. (which I did not as I do not want the $450 fee). heard of this? saying I should consider calling back?


Can I product change a card to Citi Prestige, use the 4th night benefit, then revert back to the previous card based on the “effective date 51 days” rule and get a prorated return on the $450 annual fee?


Any chance of a credit limit increase with a product change?


I converted one of my Citi card to another a year ago and I did get a credit limit increase soon after that without requesting it. I guess they will do a quick review on your account once you request a product change.


What shows as the opening date on credit reports for the new card? Does it keep the original date as the card you’re converting from? (Thinking in 5/24 terms for my next Chase application.)

Stefan @ Rapid Travel Chai

Not a new account for 5/24. Keeps the original date.


Thank you for the quick reply! That’s the answer I was hoping for!


I called to cancel a Citi card a week ago and the automated menu did it. No human, no offers. “Press 5 (or whatever number it was) to cancel”, then when I did it, “Your card has been cancelled.” I was surprised – first time that’s ever happened for me. I can see that would be great for someone whose mind has been made up and just wants to get the job done; not as much so for someone who was actually interested in hearing a retention offer. (I was in both groups – expecting to cancel, but open to… Read more »

Stefan @ Rapid Travel Chai

I almost lost one on Amex with the same thing.