Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
---|---|---|---|---|---|
20,000 | $1,500 | 1.2 ¢ | $0 | $0 | $258 |
Spend Categories
1X points
1.2¢ Per Dollar Spent
5X points
6¢ Per Dollar Spent
5X points
6¢ Per Dollar Spent
5X points
6¢ Per Dollar Spent
4X points
4.8¢ Per Dollar Spent
5X points
6¢ Per Dollar Spent
4X points
4.8¢ Per Dollar Spent
5X points
6¢ Per Dollar Spent
5X points
6¢ Per Dollar Spent
Card Benefits
Bottom Line
Why You Might Want This Card
Exceptions To The Rule
About Citi ThankYou Points
Citi ThankYou points may not look like much at first glance, but they certainly demand our attention. While redemption can vary considerably -- depending on which credit card you hold and how you decide to redeem your points -- you can tap into some pretty significant savings. Your two best options for earning and redemption will be through the Citi Prestige or Citi Premier cards. Both cards offer a substantial sign-up bonus and extra points earned on certain spending categories. Some of the best value comes from transferring, which can only be done if you hold one of these 2 cards in your wallet.
Earning can be quick and easy, especially when you wait for a good sign-up bonus and then keep an eye on extra point categories. For example, the Prestige card gets you 5x points per $1 on airfare and restaurants, while the Premier can earn you 3x points on all travel, including gas. Make sure retention offers are on your current card so you can maximize points earned on everyday spending. We like to call every 6 months or so to make sure that the current retention offer is on the card.
Now let's talk about redeeming. ThankYou points stand out because they're transferable to every major alliance: OneWorld, SkyTeam and Star. We’ll forgive the fact that transfers aren’t always instantaneous, because Citi ThankYou points are so diverse with their partners that they’ll cover you whether you’re looking for a free domestic flight or a deluxe international fare. It can take a little research and pulling out your savvy side, but it's well worth it in the end. Some of the best redemption comes through Avianca LifeMiles, Etihad Guest, Virgin Atlantic and Singapore KrisFlyer. Just remember: you must hold the Prestige or Premier Card to transfer. We suggest checking those airlines to see if your route is covered by any of them.
Where Citi Custom Cash Fits In This Point Ecosystem
Personal Experience
Application Rules
Card approval not subject to 5-personal-cards-in-24-months rule
You'll be declined if you apply for a second Citi business card within 95 days
You'll be declined if you apply for a third Citi card within 65 days
You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months