accordion-minus accordion-plus account-aside-cards-ico account-aside-consultations-ico account-aside-logout-ico account-aside-profile-ico account-aside-reading-ico account-aside-settings-ico account-aside-wishlist-ico account-categories-edit account-categories-save account-mobile-nav-arr account-sidebar-active bonus-ico btn-find-ico btn-gradient-fb-ico btn-ico-edit business-ico calc-ico cash-ico check-green close-ico compare-card-equal-ico compare-card-plus-ico compare-plus-ico compare-tooltip-arr compare-tooltip-close compare-tooltip-ico correct-ico correct-large-ico credit-card-bullet dashboard-btn-arr dashboard-email-ico dashboard-pass-ico err-info-ico facebook facetwp-selections-arr filter-arr filter-cross heart-ico-filled heart-ico hero-section-bg-animated-mask hero-section-bg-mask-2 hero-section-bg-mask home-slider-arr-icon incorrect-ico insta is-best-ico listing-mob-filter listing-mob-sort loader-ico lock-ico-filled-white lock-ico-filled lock-ico login-facebook login-google login-linkedin my-cards-toggle notification-close-ico notification-success-ico notify-like-clicked notify-like notify-me-ico-clicked notify-me-ico num-counter-item-ico personal-ico points-ico price-edit-blue profile-ico remove-card search-ico select-arr share-facebook-ico share-linkedin-ico share-mail-ico share-twitter-ico sign-in-google-ico slider-ico-1 slider-ico-2 slider-ico-3 slider-ico-4 slider-ico-5 slider-ico-6 stars-5-empty stars-5-filled-edit stars-5-filled tooltip-filter-ico-green tooltip-filter-ico-white tooltip-filter-ico tooltip-ico transfer-bonus-ico transfer-bonuses-close transfer-tooltip-ico twitter-widget-ico twitter ybcc-comparison-arr ybcc-comparison-card ybcc-socials-fb ybcc-socials-inst ybcc-socials-tw ybcc-socials-yt youtube linkedin-ico tiktok-ico x-ico
Explore Credit Cards Add Your Spending Profile
Don't miss this increased offer...

Our “Famous Card Explorer”

Our Credit Card Explorer lets you narrow down the overwhelming selection of available credit cards to only the ones that match your exact preferences.

Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Settings

Personal or business card?:

I am looking for:

Sort by:

Sort by

Personal or business card?:

I am looking for:

Sort by:

This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi Strata Elite℠

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.88) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$595

🎁 Bonus offer

Earn 75,000 bonus points after spending $6,000 in the first 3 months
Get a 25% transfer bonus when you transfer Citi ThankYou to Avianca Lifemiles.

Offer expires on Apr 18, 2026

Limited Time Offer: Transfer ThankYou Points to Lifemiles and receive 25% bonus miles. Offer is valid for points transfers to Lifemiles completed between 12:01 AM ET March 22, 2026 and 11:59 PM ET April 18, 2026. See Points Transfer Terms and Conditions link at the bottom of this page for Promotion Terms and Conditions.

This bonus gives you 1.25 Lifemiles per point transferred on a Citi Strata Elite℠, Citi Strata Premier℠, Citi Prestige®, and AT&T Access More. Other eligible ThankYou cards will get 0.875 miles per point (up from 0.7 normally).

25% is not bad, although Citi made the same offer twice last year (you can see all historical bonuses to Avianca Lifemiles from all issuers here). Many recent transfer bonuses from other credit card currencies have been just 15%.

Avianca has really been messing with its program lately. They’ve devalued twice in the last 9 months, although in the most recent devaluation all sorts of quirks emerged with pricing. For instance a business class ticket from the US to/from Europe could be 69,000 miles or it could be 80,000 miles.

All of the same issues I’ve always had around Lifemiles customer service remain. I don’t want to ever have to deal with a schedule change than needs a ticket reissued with them again, and sometimes the website shows phantom availability and phone agents are often unable to help after incredibly long hold times.

You can also stack a Lifemiles+ membership with this (from $20 / month or free if you have the Lifemiles Amex). If you found a business class ticket for 69,000 miles, after the 10% lifemiles+ discount and 25% transfer bonus, it would be a great deal at 49,680 – if you know the risks of Lifemiles bookings and are ok with that.

So,  for expert Lifemiles users, this could be a great deal…. but would I speculatively transfer? I would not.

Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer Citi ThankYou to Virgin Atlantic Flying Club.

Can transfer to Virgin Red or Flying Club
Offer expires on Apr 18, 2026

Limited Time Offer: Transfer ThankYou Points to Virgin Atlantic Flying Club or Virgin Red and receive 30% bonus Virgin Points. Offer is valid for points transfers to Virgin Atlantic Flying Club or Virgin Red completed between 12:01 AM ET March 22, 2026 and 11:59 PM ET April 18, 2026.

This bonus gives you 1.3 Virgin points per ThankYou point transferred on a Citi Strata Elite℠, Citi Strata Premier℠, Citi Prestige®, and AT&T Access More. Other eligible ThankYou cards will get 0.91 Virgin points per ThankYou point (up from 0.7 normally).

You can view past transfer bonuses to Virgin Red and past transfer bonuses to Virgin Atlantic which range as high as 40%.

Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.

ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip

(Note that you can book one way for half the price of the points price listed. Also you must call to book these. Find availability on United’s site first. If you see it there, Virgin can usually, but no always, book the same for much less.)

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn 6 points per dollar spent at restaurants on Citi Nights℠ purchases, Friday and Saturday from 6 PM - 6 AM ET; otherwise earn 3X

3x-6x
Dining Out / Food Delivery
Estimated Rewards Value: 5.1%

Must be booked booked on cititravel.com to earn 12X; otherwise earn 1.5X

1.5x-12x
Hotels
Estimated Rewards Value: 2.55%

Must be booked booked on cititravel.com to earn 12X; otherwise earn 1.5X

1.5x-12x
Car Rentals
Estimated Rewards Value: 2.55%

Must be booked booked on cititravel.com to earn 6X; otherwise earn 1.5X

1.5x-6x
Airfare
Estimated Rewards Value: 2.55%
1.5x
Everything Else
Estimated Rewards Value: 2.55%
+
 more
  • Citi's ThankYou points now transfer to the American Airlines AAdvantage® program
  • Earn 12 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
  • Receive 4 American Airlines Admirals Club® Lounge Access Passes each year

Pros

  • Citi's ThankYou points now transfer to the American Airlines AAdvantage® program
  • Earn 12 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
  • Receive 4 American Airlines Admirals Club® Lounge Access Passes each year

Cons

  • High annual fee
  • No bonus multipliers on travel not booked in Citi's travel portal
  • 6X points on dining is limited to two 12 hour periods each week
Annual Fee: $595
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.017

ThankYou points have recently gained quite a bit of value with the ability to transfer to American Airlines' AAdvantage. Points can be combined among ThankYou earning cards. The value also assumes you will take advantage of transfer partners rather than book via the portal. You get a full 1:1 transfer ratio to most transfer partners when you have a Citi Strata Elite℠, Citi Prestige, or Citi Strata℠ Premier Credit Card. No fee Citi ThankYou cards transfer at a lower ratio - unless you have one of the aforementioned card as well in which case all points are pooled with the best features of all cards (i.e. 1:1 transfer ratios).

APR: 20.49%-28.49% (Variable)
Balance
transfer fees:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi Strata℠ Premier Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.45) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

🎁 Bonus offer

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com
Get a 25% transfer bonus when you transfer Citi ThankYou to Avianca Lifemiles.

Offer expires on Apr 18, 2026

Limited Time Offer: Transfer ThankYou Points to Lifemiles and receive 25% bonus miles. Offer is valid for points transfers to Lifemiles completed between 12:01 AM ET March 22, 2026 and 11:59 PM ET April 18, 2026. See Points Transfer Terms and Conditions link at the bottom of this page for Promotion Terms and Conditions.

This bonus gives you 1.25 Lifemiles per point transferred on a Citi Strata Elite℠, Citi Strata Premier℠, Citi Prestige®, and AT&T Access More. Other eligible ThankYou cards will get 0.875 miles per point (up from 0.7 normally).

25% is not bad, although Citi made the same offer twice last year (you can see all historical bonuses to Avianca Lifemiles from all issuers here). Many recent transfer bonuses from other credit card currencies have been just 15%.

Avianca has really been messing with its program lately. They’ve devalued twice in the last 9 months, although in the most recent devaluation all sorts of quirks emerged with pricing. For instance a business class ticket from the US to/from Europe could be 69,000 miles or it could be 80,000 miles.

All of the same issues I’ve always had around Lifemiles customer service remain. I don’t want to ever have to deal with a schedule change than needs a ticket reissued with them again, and sometimes the website shows phantom availability and phone agents are often unable to help after incredibly long hold times.

You can also stack a Lifemiles+ membership with this (from $20 / month or free if you have the Lifemiles Amex). If you found a business class ticket for 69,000 miles, after the 10% lifemiles+ discount and 25% transfer bonus, it would be a great deal at 49,680 – if you know the risks of Lifemiles bookings and are ok with that.

So,  for expert Lifemiles users, this could be a great deal…. but would I speculatively transfer? I would not.

Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer Citi ThankYou to Virgin Atlantic Flying Club.

Can transfer to Virgin Red or Flying Club
Offer expires on Apr 18, 2026

Limited Time Offer: Transfer ThankYou Points to Virgin Atlantic Flying Club or Virgin Red and receive 30% bonus Virgin Points. Offer is valid for points transfers to Virgin Atlantic Flying Club or Virgin Red completed between 12:01 AM ET March 22, 2026 and 11:59 PM ET April 18, 2026.

This bonus gives you 1.3 Virgin points per ThankYou point transferred on a Citi Strata Elite℠, Citi Strata Premier℠, Citi Prestige®, and AT&T Access More. Other eligible ThankYou cards will get 0.91 Virgin points per ThankYou point (up from 0.7 normally).

You can view past transfer bonuses to Virgin Red and past transfer bonuses to Virgin Atlantic which range as high as 40%.

Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.

ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip

(Note that you can book one way for half the price of the points price listed. Also you must call to book these. Find availability on United’s site first. If you see it there, Virgin can usually, but no always, book the same for much less.)

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

3x
Airfare
Estimated Rewards Value: 5.1%
3x
Gas Stations
Estimated Rewards Value: 5.1%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 5.1%

Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com; Otherwise earn 3X

3x-10x
Hotels
Estimated Rewards Value: 5.1%
3x
Supermarkets
Estimated Rewards Value: 5.1%
3x
EV Charging
Estimated Rewards Value: 5.1%

Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com; Otherwise earn 1X

1x-10x
Car Rentals
Estimated Rewards Value: 1.7%
1x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • Earn triple points from five distinct spending categories from air travel and hotels to restaurants, supermarkets, gas stations
  • Trip Protection and Extended Warranty benefits
  • Citi ThankYou® points are extremely flexible, with the ability to utilize an array of more than 15 airline and two hotel transfer partners to get the most bang for your buck on travel

Pros

  • The $95 annual fee can be completely offset by the $100 hotel credit
  • Redeem Citi ThankYou® points for a variety of travel, including the ability to transfer points to more than 15 airline and hotel programs
  • Trip Protection and Extended Warranty benefits

Cons

  • Citi ThankYou® points doesn't have any domestic airline partners, but does have a unique range of airline and hotel partners.
  • Weaker on travel perks, with no airport lounge access or TSA PreCheck/Global Entry reimbursement
  • No domestic airline transfer partners
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.017

ThankYou points have recently gained quite a bit of value with the ability to transfer to American Airlines' AAdvantage. Points can be combined among ThankYou earning cards. The value also assumes you will take advantage of transfer partners rather than book via the portal. You get a full 1:1 transfer ratio to most transfer partners when you have a Citi Strata Elite℠, Citi Prestige, or Citi Strata℠ Premier Credit Card. No fee Citi ThankYou cards transfer at a lower ratio - unless you have one of the aforementioned card as well in which case all points are pooled with the best features of all cards (i.e. 1:1 transfer ratios).

APR: 19.49%-27.49% (Variable)
Balance
transfer fees:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi Custom Cash℠ Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.93) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Bonus points for spend in the following bonus categories:

5x
Airfare
Estimated Rewards Value: 5%
5x
Transit
Estimated Rewards Value: 5%
5x
Car Rentals
Estimated Rewards Value: 5%
5x
Gas Stations
Estimated Rewards Value: 5%
5x
Dining Out / Food Delivery
Estimated Rewards Value: 5%
5x
Hotels
Estimated Rewards Value: 5%
5x
Gym Memberships
Estimated Rewards Value: 5%
5x
Streaming Services
Estimated Rewards Value: 5%
5x
Drugstores
Estimated Rewards Value: 5%
5x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 5%
5x
Supermarkets
Estimated Rewards Value: 5%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
  • The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
  • The only credit card to offer 5% on home improvement stores.
  • The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!

Pros

  • 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
  • No annual fee
  • Includes very rare bonus categories, like home improvement stores

Cons

  • With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
  • Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.017

ThankYou points have recently gained quite a bit of value with the ability to transfer to American Airlines' AAdvantage. Points can be combined among ThankYou earning cards. The value also assumes you will take advantage of transfer partners rather than book via the portal. You get a full 1:1 transfer ratio to most transfer partners when you have a Citi Strata Elite℠, Citi Prestige, or Citi Strata℠ Premier Credit Card. No fee Citi ThankYou cards transfer at a lower ratio - unless you have one of the aforementioned card as well in which case all points are pooled with the best features of all cards (i.e. 1:1 transfer ratios).

APR: 0 % Intro APR (on purchases for 15 months, 18.49%-28.49% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 18.49%-28.49% thereafter)
Balance
transfer fees:
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi® Double Cash Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

🎁 Bonus offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Bonus points for spend in the following bonus categories:

2x
Everything Else
Estimated Rewards Value: 2%
+
 more
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
  • No annual fee
  • Can be combined with a Citi Strata℠ Premier Card to transfer points to airline and hotel partners

Pros

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
  • No annual fee
  • Can be combined with a Citi Strata® Premier Card to transfer points to airline and hotel partners

Cons

  • No bonus categories
  • No trip protections
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.017

ThankYou points have recently gained quite a bit of value with the ability to transfer to American Airlines' AAdvantage. Points can be combined among ThankYou earning cards. The value also assumes you will take advantage of transfer partners rather than book via the portal. You get a full 1:1 transfer ratio to most transfer partners when you have a Citi Strata Elite℠, Citi Prestige, or Citi Strata℠ Premier Credit Card. No fee Citi ThankYou cards transfer at a lower ratio - unless you have one of the aforementioned card as well in which case all points are pooled with the best features of all cards (i.e. 1:1 transfer ratios).

APR: 0% Intro APR (on balance transfers for 18 months, 17.49%-27.49% thereafter)
Balance
transfer fees:
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi Strata℠ Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

Earn 20,000 bonus points after spending $1,000 in the first 3 months

Bonus points for spend in the following bonus categories:

3x
Supermarkets
Estimated Rewards Value: 3%
3x
Gas Stations
Estimated Rewards Value: 3%
3x
EV Charging
Estimated Rewards Value: 3%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
  • You can select your own bonus earning category from a list of options
  • Your points earned can be transferred to a variety of hotel and airline transfer partners
  • You won't pay an annual fee, making it an affordable option to have in your wallet

Pros

  • Impressive earning potential
  • Low intro APR on purchases and balance transfers
  • Decent welcome bonus

Cons

  • Charges foreign transaction fees
  • No insurance coverage
  • Transfer points to partners at a lower ratio than other Citi cards
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.017

ThankYou points have recently gained quite a bit of value with the ability to transfer to American Airlines' AAdvantage. Points can be combined among ThankYou earning cards. The value also assumes you will take advantage of transfer partners rather than book via the portal. You get a full 1:1 transfer ratio to most transfer partners when you have a Citi Strata Elite℠, Citi Prestige, or Citi Strata℠ Premier Credit Card. No fee Citi ThankYou cards transfer at a lower ratio - unless you have one of the aforementioned card as well in which case all points are pooled with the best features of all cards (i.e. 1:1 transfer ratios).

APR: 0 % Intro APR (on purchases for 15 months, 18.49%-28.49% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 18.49%-28.49% thereafter)
Balance
transfer fees:
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
Author: Harrison Pierce
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Citi Rewards+®

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.43) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Bonus points for spend in the following bonus categories:

2x
Gas Stations
Estimated Rewards Value: 2%
2x
Supermarkets
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
  • NOTE: This card has been completely discontinued. All cardholders were product changed to the Citi Strata℠ Card in July 2025.

Pros

  • NOTE: This card has been completely discontinued. All cardholders were product changed to the Citi Strata℠ Card in July 2025.

Cons

  • Not available anymore
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.017

ThankYou points have recently gained quite a bit of value with the ability to transfer to American Airlines' AAdvantage. Points can be combined among ThankYou earning cards. The value also assumes you will take advantage of transfer partners rather than book via the portal. You get a full 1:1 transfer ratio to most transfer partners when you have a Citi Strata Elite℠, Citi Prestige, or Citi Strata℠ Premier Credit Card. No fee Citi ThankYou cards transfer at a lower ratio - unless you have one of the aforementioned card as well in which case all points are pooled with the best features of all cards (i.e. 1:1 transfer ratios).

APR: 0 % Intro APR (on purchases for 15 months, 17.74%-27.74% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 17.74%-27.74% thereafter)
Balance
transfer fees:
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Citi Prestige

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Annual Fee:
$495

🎁 Bonus offer

None. Product is not currently available to new applicants
Get a 25% transfer bonus when you transfer Citi ThankYou to Avianca Lifemiles.

Offer expires on Apr 18, 2026

Limited Time Offer: Transfer ThankYou Points to Lifemiles and receive 25% bonus miles. Offer is valid for points transfers to Lifemiles completed between 12:01 AM ET March 22, 2026 and 11:59 PM ET April 18, 2026. See Points Transfer Terms and Conditions link at the bottom of this page for Promotion Terms and Conditions.

This bonus gives you 1.25 Lifemiles per point transferred on a Citi Strata Elite℠, Citi Strata Premier℠, Citi Prestige®, and AT&T Access More. Other eligible ThankYou cards will get 0.875 miles per point (up from 0.7 normally).

25% is not bad, although Citi made the same offer twice last year (you can see all historical bonuses to Avianca Lifemiles from all issuers here). Many recent transfer bonuses from other credit card currencies have been just 15%.

Avianca has really been messing with its program lately. They’ve devalued twice in the last 9 months, although in the most recent devaluation all sorts of quirks emerged with pricing. For instance a business class ticket from the US to/from Europe could be 69,000 miles or it could be 80,000 miles.

All of the same issues I’ve always had around Lifemiles customer service remain. I don’t want to ever have to deal with a schedule change than needs a ticket reissued with them again, and sometimes the website shows phantom availability and phone agents are often unable to help after incredibly long hold times.

You can also stack a Lifemiles+ membership with this (from $20 / month or free if you have the Lifemiles Amex). If you found a business class ticket for 69,000 miles, after the 10% lifemiles+ discount and 25% transfer bonus, it would be a great deal at 49,680 – if you know the risks of Lifemiles bookings and are ok with that.

So,  for expert Lifemiles users, this could be a great deal…. but would I speculatively transfer? I would not.

Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer Citi ThankYou to Virgin Atlantic Flying Club.

Can transfer to Virgin Red or Flying Club
Offer expires on Apr 18, 2026

Limited Time Offer: Transfer ThankYou Points to Virgin Atlantic Flying Club or Virgin Red and receive 30% bonus Virgin Points. Offer is valid for points transfers to Virgin Atlantic Flying Club or Virgin Red completed between 12:01 AM ET March 22, 2026 and 11:59 PM ET April 18, 2026.

This bonus gives you 1.3 Virgin points per ThankYou point transferred on a Citi Strata Elite℠, Citi Strata Premier℠, Citi Prestige®, and AT&T Access More. Other eligible ThankYou cards will get 0.91 Virgin points per ThankYou point (up from 0.7 normally).

You can view past transfer bonuses to Virgin Red and past transfer bonuses to Virgin Atlantic which range as high as 40%.

Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.

ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip

(Note that you can book one way for half the price of the points price listed. Also you must call to book these. Find availability on United’s site first. If you see it there, Virgin can usually, but no always, book the same for much less.)

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

5x
Airfare
Estimated Rewards Value: 8.5%
5x
Dining Out / Food Delivery
Estimated Rewards Value: 8.5%
3x
Transit
Estimated Rewards Value: 5.1%
3x
Hotels
Estimated Rewards Value: 5.1%
3x
Lyft
Estimated Rewards Value: 5.1%
1x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • No Longer Available

Pros

Cons

Annual Fee: $495
Point
Value:
$0.01-$0.017

ThankYou points have recently gained quite a bit of value with the ability to transfer to American Airlines' AAdvantage. Points can be combined among ThankYou earning cards. The value also assumes you will take advantage of transfer partners rather than book via the portal. You get a full 1:1 transfer ratio to most transfer partners when you have a Citi Strata Elite℠, Citi Prestige, or Citi Strata℠ Premier Credit Card. No fee Citi ThankYou cards transfer at a lower ratio - unless you have one of the aforementioned card as well in which case all points are pooled with the best features of all cards (i.e. 1:1 transfer ratios).

Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more
View Table Image

Graphite™ Business Cash Unlimited Card

Annual fee
$295
Point value
$0.01
Best Multiplier
2x Hotels
2x Airfare
+ 1 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Dining Out / Food Delivery
3x Streaming Services
+ 6 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more
View Table Image

Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more
View Table Image

Chase Ink Business Preferred® Credit Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / Phone
5x Cellular Phone Service
+ 4 more
View Table Image

Bilt Palladium Card

Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend
View Table Image

Bilt Obsidian Card

Annual fee
$95
Point value
$0.018
Best Multiplier
1x Supermarkets
1x Dining Out / Food Delivery
+ 2 more

Your account has been successfully created!