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- Citi Premier MasterCard - Limited Time Offer - 75,000 Points, after spending $4000 in 3 months, $95 Annual fee.
- Citi AAdvantage Platinum - Special Offer - $75,000 AA Miles, after spending $3500 in 4 months, $0 Annual fee for the first year, then $99.
- Chase Sapphire Visa - Limited Time Offer - 80,000 Points, after spending $4000 in 3 months, $95 Annual fee.
- Air France KLM World Elite Mastercard - Limited Time Offer - 70,000 Points, after spending $2000 in 3 months, $89 Annual fee.
Earn 80,000 points after spending $4000 in 3 months with the Citi Premier Card, $85 annual fee is not waived.
Earn 80,000 Bonus Points after spending $4000 in 3 months with the Citi Premier Card - this is a limited time offer.
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
|---|---|---|---|---|---|
| 75,000 | $4,000 | 1.2 ¢ | $21 | $95 | $874 |
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| ThankYou points | 3x Points on travel, 2x Points on dining, Transfer toward statement credit, airfare, hotels | TY 1/24 , No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6 |
3X points
3.6¢ Per Dollar Spent
1X points
1.2¢ Per Dollar Spent
3X points
3.6¢ Per Dollar Spent
3X points
3.6¢ Per Dollar Spent
3X points
3.6¢ Per Dollar Spent
3X points
3.6¢ Per Dollar Spent
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Citi ThankYou Points Outside Point System
1:1 117% value retained
1:1.12 112% value retained
1:1 100% value retained
1:1 100% value retained
1:0.8 80% value retained
1:1 100% value retained
1:1 100% value retained
1:1 108% value retained
1:1 100% value retained
1:1 117% value retained
1:0.8 67% value retained
If you have exhausted your Chase 5/24, this card is a reasonable option. While the Chase Sapphire Preferred is still superior with its ease of use and transferring program, this particular Citi card is comparable. It does have some exclusive options only offered by Citi, like Price Rewind, Private Pass and pay your bill with points. All said and done, if you still qualify for Chase cards, use your application toward that first and then revisit this card later.
5/24 Exhausted?
One endearing thing about Citi's ThankYou program is its far-reaching options to redeem. You can transfer points for cash back, gift cards, travel, bill payment and more. Utilize Citi Price rewind (registering your recently purchased product) and let Citi do the work of finding it cheaper for you and reimbursing you some (if not all) of the difference.
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.
You'll be declined if you've OPENED or CLOSED any Citi Card in the ThankYou "family" in past 24 months
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
Make sure you have a home for your Thank You points first.
Below is a snapshot of where this card performs best compared to the other cards in our database:
- Citi Premier MasterCard - Limited Time Offer - 75,000 Points, after spending $4000 in 3 months, $95 Annual fee.
- Citi AAdvantage Platinum - Special Offer - $75,000 AA Miles, after spending $3500 in 4 months, $0 Annual fee for the first year, then $99.
- Chase Sapphire Visa - Limited Time Offer - 80,000 Points, after spending $4000 in 3 months, $95 Annual fee.
- Air France KLM World Elite Mastercard - Limited Time Offer - 70,000 Points, after spending $2000 in 3 months, $89 Annual fee.
Earn 80,000 points after spending $4000 in 3 months with the Citi Premier Card, $85 annual fee is not waived.
Earn 80,000 Bonus Points after spending $4000 in 3 months with the Citi Premier Card - this is a limited time offer.
