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Apply online for Citi ThankYou® Premier CardSponsored card
About Our Ratings
Credit Needed
Excellent

Citi ThankYou® Premier Card Review

Pros & Cons

  • Earn extra points for everyday purchases like eating out and putting gas in your car, among other purchases.
  • Points are worth 25 percent more when you redeem through the ThankYou® Travel Center.
  • You can redeem points at any time on any airline, without blackout dates, when you book through the ThankYou® Travel Center or redeem for gift cards at thankyou.com.
  • The ThankYou® Travel Center has few domestic carries so cardholders that tend to fly within the United States might not be able to maximize ThankYou® Travel Center perks.

Top Features

Rewards
Earn 3X Points on Travel, Including Gas Stations. Earn 2X Points on Dining Out & Entertainment. Earn 1X points on All Other Purchases.
Bonus Rewards
N/A
Purchase APR
15.49% - 24.49% (Variable)
Annual Fee
$95, waived for first 12 months*

Full Review

Curtis Arnold Editor-in-chief

Citi ThankYou® Premier Card Essentials 

The Citi ThankYou® Premier Card offers high rewards for everyday purchases like gas, tolls and parking and good-for-you splurges like amusement park trips, RV and boat rentals, and airfare.

The Citi ThankYou® Premier Card’s best features:

  • Three points for every $1 spent on travel, including gas.
  • Two points per $1 spent on dining out and entertainment.
  • One point on other purchases.
  • Citi® waives the annual fee of $95 for the first 12 months.

What Our Editors Like Most About Citi ThankYou Premier®

Thanks to changes Citi® made in early 2015, you now can earn more points on travel (up from 2 points per dollar to 3 points). For most cards, this typically includes airfare, hotels and public transportation, but the Citi ThankYou® Premier Card also gives you rewards for gas – which adds up quickly, especially if you’re a chauffeur for the little ones, a commuter or a road warrior.

Your points are worth 25 percent more when you redeem them for air travel, cruises, hotels and car rentals through the ThankYou® Travel Center, Citi’s online booking tool. Do the basic math and a $400 purchase turns into 500 points – not a bad incentive to skip Kayak and Expedia.

No foreign transaction fees. The card also has several travel protection benefits, including chip technology for enhanced security, which is a bonus when traveling abroad.

One great card benefit is Citi’s 24/7 personal concierge service. Too busy to book your own travel? Use the service and a representative will book your flight and hotel. A rep can even make your restaurant reservations and help you find the perfect gift.

And if you’re an avid concert goer or sports enthusiast, use Citi® Private Pass® to purchase pre-sale tickets and VIP packages to concerts, sporting and various entertainment events.

Potential Downsides of Citi ThankYou® Premier Card

While you can transfer points to different loyalty programs from airlines and hotels, you’ll be hard-pressed to find a domestic carrier on the list. Unless you’re headed to Qatar (maybe to check out World Cup 2022) or Singapore on your next vacation, you’ll likely be underwhelmed by the rewards transfer program. Citi’s ThankYou® Rewards Program only includes the following airlines:

  • Asia Miles
  • Eva Air
  • Etihad Guest
  • Flying Blue
  • Garuda Indonesia
  • JetPrivilege
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus
  • Virgin Atlantic Flying Club

The annual fee of $95 is in line with competitors, but you need to spend around $800 per month to offset the fee. If you’re a light credit card user, considering a card without an annual fee may mean more rewards for you.

Another drawback of the Citi ThankYou® Premier Card is that there’s some red tape on redeemable offers, so you’ll need to be strategic about redeeming points. Gift cards and flight redemptions will get you the most value, at 1 cent per point. Statement credits, shopping purchases and cash back offer less. To get the most benefit, redeem your points for air travel, cruises, hotels and car rentals through the ThankYou® Travel Center, where they’re worth 1.25 cents each.

How Citi ThankYou® Premier Card Compares Other Travel Rewards Credit Cards

Citi ThankYou® Premier Card vs. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card requires $4,000 in spending for the first three months to earn 50,000 Ultimate Rewards® points, so it definitely wins in the signup bonus category. In terms of ongoing rewards, the Chase Sapphire Preferred® Card offers two times the points on travel and dining, while you’ll get three times the points on travel with the Citi ThankYou® Premier Card and two times the points on dining out and entertainment. Both cards eliminate foreign transaction fees and waive the annual fee the first year. (After that, it’s $95). However, if you prefer to use your rewards points on domestic travel, Chase Sapphire Preferred® is the better option, because Citi ThankYou® Premier’s points transfer program only includes international airlines.

Citi ThankYou® Premier Card vs. Premier Rewards Gold Card from American Express

Sign-up bonus for the American Express® Premier Rewards Gold Card is 25,000 membership rewards points after you spend $2,000 within the first three months. Like the Citi ThankYou® Premier Card, you get three times the points on air travel and two times the points on dining. One difference: the Citi ThankYou® Premier Card offers three times the points on travel, which includes gas, while the American Express® Premier Rewards Gold Card only gives you two. Though there’s no annual fee on the American Express® Premier Rewards Gold Card the first year, it’s more than double the Citi ThankYou® Premier Card after the intro period — $195 vs. $95. To offset the $195 fee, you’d have to use this card for most of your everyday purchases. If you’re a casual spender, Citi ThankYou® Premier offers better value.

Who Should Get The Citi ThankYou®?

If Citi® could mold the perfect consumer for its Citi ThankYou® Premier Card, it would probably be a suburbanite who commutes an hour to work every day, has date nights at a place sans coloring placemats and is game for a family RV adventure.

If you tend to use your credit card for everyday expenses like gas, tolls, parking, dining out and going to the movies, offsetting that annual fee after the first 12 months shouldn't be a problem.

This page was last updated on December 06, 2017

This card compared to other reward cards

Rewards
Earn 3X Points on Travel, Including Gas Stations. Earn 2X Points on Dining Out & Entertainment. Earn 1X points on All Other Purchases.
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Rewards
N/A
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
Purchase APR
15.49% - 24.49% (Variable)
16.99% - 23.99% Variable 
N/A 
Annual Fee
$95, waived for first 12 months*
$0 Intro for the First Year. Then $95
Introductory annual fee of $0 for the first year, then $195.
Rates and Fees
This card is for those with excellent credit who enjoy reward points.
CardRatings.com Editorial Staff

Citi ThankYou® Premier Card details

Rewards
Earn 3X Points on Travel, Including Gas Stations. Earn 2X Points on Dining Out & Entertainment. Earn 1X points on All Other Purchases.
Bonus Rewards
N/A
Purchase Intro
APR:
N/A
Purchase APR
15.49% - 24.49% (Variable)
Annual Fee
$95, waived for first 12 months*

What Citi says about this card

  • Earn more on travel purchases - redeem points for meaningful rewards
  • 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 airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center or for 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*

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Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good
Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good