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From the Experts at Credit.com

Citi ThankYou Premier: Flexible Rewards for Travelers

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Citi ThankYou Premier

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What Is the Citi ThankYou Premier Card?

The Citi ThankYou Premier card is a rewards credit card that lets users earn points on everyday purchases. Triple points are earned for spending on travel, including gas, airfare, hotels, and car rentals; double points are earned for spending on restaurants and entertainment, and one point is earned for all other purchases.

(Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

ThankYou points can be redeemed for gift cards, merchandise, concert tickets, and airfare. Points are worth more when redeemed for airline tickets through the ThankYou travel center, and Points Transfer allows points to be put toward airline and hotel loyalty programs like Hilton HHonors and TrueBlue. As a signup bonus, members can earn 50,000 bonus points after spending $4,000 in the first three months of account opening.

This card has an annual fee: $95, waived for first 12 months*, no foreign transaction fees, and an APR of 15.99% - 24.99%* (Variable), based on your creditworthiness when you apply.

Pros & Cons of Citi ThankYou Premier

This card offers a competitive signup bonus with no annual fee for the first year of card membership. In addition, cardholders will continue to find value in this card by using it to earn bonus points in numerous categories such as travel, dining out and entertainment. When points are redeemed directly for travel reservations, they are worth more. Furthermore, it’s possible to earn additional value from points when they are transferred to airline miles. Finally, this card is a good choice for use overseas since it has no foreign transaction fees.

While it is an advantage to be able to transfer points to miles, this program is mostly partnered with foreign airlines at this time. Some of these frequent-flier programs provide good value, such as Singapore or the Flying Blue program of Air France and KLM. Nevertheless, most of the frequent-flier programs require large amounts of miles. And, as with all rewards credit cards, you can expect a higher interest rate and annual fee than with similar cards that don’t offer rewards.

Citi ThankYou® Premier Card

Apply Now
on Citi's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
15.99% - 24.99%* (Variable)

Balance Transfer:
15.74% - 24.74%* (Variable)

Annual Fee:
$95, waived for first 12 months*

Credit Needed:
Excellent
Snapshot of Card Features
  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening*
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*

Card Details +

 Alternatives to the Citi ThankYou Premier Card

Although the Citi ThankYou Premier card is a great card for those who love travel, there are other options as far as credit cards go. Here are three of our other favorites for your review:

JetBlue Plus Card

Apply Now
on 's secure website
Card Details
Intro Apr:

Ongoing Apr:

Balance Transfer:

Annual Fee:

Credit Needed:
Snapshot of Card Features

Card Details +

Love traveling on JetBlue airlines? This card might be right for you. After spending $1,000 within the first three months that the account is opened, you earn 30,000 bonus points. Plus,  you receive an additional 5,000 bonus points every year on your account anniversary. You also receive six points per dollar spent on JetBlue purchases, two points at restaurants and grocery stores, and one point for all other purchases. You also receive 50% in savings on eligible in-flight purchases with JetBlue and cardmembers receive their first checked bag free. Points never expire and there are no back out dates on redeeming points for JetBlue flights. The card has an annual fee of and an APR of . This card also has no foreign transaction fees.

Barclaycard Arrival Plus® World Elite Mastercard®

Apply Now
on 's secure website
Card Details
Intro Apr:

Ongoing Apr:

Balance Transfer:

Annual Fee:

Credit Needed:
Snapshot of Card Features

Card Details +

The Barclaycard Arrival Plus® World Elite Mastercard® offers 40,000 bonus miles if you spend $3,000 within the first 90 days that the account is opened-that’s a $400 travel statement credit. Miles can also be redeemed for cash back, gift cards, and merchandise. Purchases made with the card earn two times the miles on all purchases and cardholders also receive five percent miles back when they redeem miles. Miles never expire and they can also be used toward hotels, car rentals, and more. The card has no foreign transaction fees and a special balance transfer offer of . The card has an ongoing APR of based on creditworthiness and an annual fee of .

Citi® AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Apply Now
on Citi's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
17.49% - 25.49%* (Variable)

Balance Transfer:
17.49% - 25.49%* (Variable)

Annual Fee:
$95, waived for first 12 months*

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • No Foreign Transaction Fees on purchases*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Double AAdvantage® miles on eligible American Airlines purchases*

Card Details +

The Citi® AAdvantage® Platinum Select® World Elite Mastercard® offers 50,000 miles for travel booked with American Airlines after spending $2,500 within the first three months of opening the account. Cardholders receive two  times the miles on American Airlines purchases, along with preferred boarding. They also get the first checked back free for themselves and up to four other people traveling with them on domestic flights through American Airlines.  Additionally, they receive 25% savings on purchases made in-flight on American Airlines. The card has no foreign transaction fees and an annual fee  of $95, waived for first 12 months*. The card’s ongoing APR is 17.49% - 25.49%* (Variable).

Before You Apply

You’ll want to make sure your credit is in great shape, since these cards are targeted at those with excellent credit scores. You can view two of your credit scores for free on Credit.com.

If you meet the issuers’ credit requirements, comprehend the cards’ terms, and believe you can put the benefits to use, one of these cards may be right for you. If your credit doesn’t meet the card issuers’ requirements, we advise building your credit and applying when your scores have improved.

At publishing time, the Citi Thank You Premier Card, JetBlue Plus Card, Barclaycard Arrival Plus World Elite Mastercard, and Citi AAdvantage Platinum Select World Elite Mastercard are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuers. Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuers.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

This article was last updated on September 22nd, 2017. It was originally published February 29, 2015.

 


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