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Credit Cards That Earn Citi ThankYou Points

Looking for a credit card that earns Citi ThankYou Points?

Citi’s proprietary points – called ThankYou Points – are more valuable than you might think, especially if you’ve already collected a stockpile of Chase Ultimate Rewards points, American Express Membership Rewards points, and Capital One Miles.

The most popular Citi ThankYou credit cards include the Citi Premier, Citi Prestige, and Citi Rewards+ cards.

The Citi Double Cash is the hidden gem – offering 2% cash back on all purchases with the option to convert your cash into the ThankYou program at a 1:1 ration to transfer to airlines, with the one “catch” that you must also have a Premier or Prestige to transfer. 

We’ll give you one quick taste: Turkish Miles&Smiles is a Citi ThankYou point transfer partner. No other bank point transfer to Turkish Miles&Smiles. 

Miles&Smiles is in the Star Alliance (the same airline alliance as United Airlines) and has some amazing deals.For example, you can use 12,500 Turkish miles to fly one way from New York to Los Angeles or San Francisco in United Business Class or spend 45,000 miles one way from the US to Europe on United’s Business Class (all subject to United releasing “Saver” award availability, of course).  You can, of course, also book award flights on Turkish, whose Business Class is highly rated, most notably for the onboard food and service although they have also begun a rather nice overhaul of the seats (the so-called “hard product”).

In addition, Avianca’s LifeMiles, Virgin Atlantic’s Flying Club, and Cathay Pacific’s AsiaMiles can all be great redemtion opportunities for Citi ThankYou points.

Read more about The “Citi Trifecta / Quadfecta” + Best Uses of Citi ThankYou Points

Below, we base our rankings on the value of the points of each card multiplied by the amount of the bonus. Pretty simple!

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our 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 have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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5 Cards Available:

Credit card

Citi Premier Credit Card

Annual Fee: $95

Estimated Bonus Value :

$1,200

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Annual Fee: $95

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Estimated Bonus Value :

$1,200

Offer: 80,000 bonus ThankYou points when you spend $4,000 in 3 months

This card is an excellent general travel, dining, and grocery card with a low annual fee.

Citi ThankYou cards are great because they have a range of interesting and advanced airline partners that you can transfer your points to, including Avianca, Turkish, and Cathay Pacific.

There are frequent transfer bonuses as well. If you are looking to get started collecting ThankYou points, this is the best starter card for the program.

How Does the Citi Premier Earn Citi ThankYou Points?

  • 3X Points at Dining
  • 3X Points at Grocery Stores / Supermarkets
  • 3X Points on Gas
  • 3X Points on Flights and Hotels
  • 1X Points on All Other Purchases

Other ThankYou Premier Card benefits

  • The annual hotel savings benefit will give you $100 off a $500 prepaid hotel booking in the ThankYou travel portal.
  • No foreign transaction fees

Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, Turkish and Cathay Pacific.

Offer: 80,000 bonus ThankYou points when you spend $4,000 in 3 months
Credit card
Estimated Bonus Value :

$300

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Annual Fee: $0

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Estimated Bonus Value :

$300

Offer: $200 in the form of 20,000 bonus ThankYou points when you spend $750 within 3 months

The Citi Custom Cash card earns ThankYou points which are worth a penny per point (1% cash back) unless you also have a Citi Premier card or Prestige in your Citi portfolio.

Assuming you do, then these should combine to your overall ThankYou pool once linked.

You will earn 5% cash back (as ThankYou Points) on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, with 1% cash back thereafter. You do not have to select anything at any time. It's automatic.

The eligible spend categories are:

  • Restaurants
  • Gas Stations
  • Grocery Stores
  • Select Travel
  • Select Transit
  • Select Streaming Services
  • Drugstores
  • Home Improvement Stores
  • Fitness Clubs
  • Live Entertainment.

You'll earn an unlimited 1% cash back on all other purchases.

The 5X applies to your top category each month.

O% Intro APR Offer - New Purchases and Balance Transfers

You'll get 15 months at 0% for both new purchases and, if you choose, balance transfers. After that, the variable APR will be 13.99% - 23.99%.

Please note: If you are finding this card in your results for our Rewards Optimization tool, due to system limitations the tool will calculate a maximum of $6,000 per year for your top categories at 5%, but it will not factor in exact monthly spend.

Offer: $200 in the form of 20,000 bonus ThankYou points when you spend $750 within 3 months
Credit card

Citi Rewards+

Annual Fee: $0

Estimated Bonus Value :

$225

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Annual Fee: $0

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Estimated Bonus Value :

$225

Offer: Get 15,000 bonus points when you spend $1,000 within your first 3 months.

o% APR Offers - Intro and Balance Transfers

Get a 0% Intro APR on both balance transfers and purchases for 15 months

Earning ThankYou Points

Earn 2x at supermarkets and gas stations for the first $6,000 combined per year, and 1x everywhere else, before rounding up. Excellent for small purchases. Round up to the nearest 10 points on all purchases.

Note: Your earnings will be larger than those shown in our calculations because we cannot factor in the "round up" feature of this card as it correlates to each exact transaction you will make.

Offer: Get 15,000 bonus points when you spend $1,000 within your first 3 months.
Credit card

Citi Double Cash Card

Annual Fee: $0

Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time.

The Citi Double Cash credit card is one of the "gold standards" in cash back cards.

This card earns a flat 2% cash back - or earn / transfer them to ThankYou Points for 2X points on all spend.

Balance Transfer Offer

Get a 0% intro APR on Balance Transfers for 18 months

Offer: None at this time.
Credit card

Citi Prestige

Annual Fee: $495

Estimated Bonus Value :

$0

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Annual Fee: $495

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Estimated Bonus Value :

$0

Offer: None. Product is not currently available to new applicants

Earn 5x Citi ThankYou points on Restaurants and Air Travel, 3x on Hotels and Cruise Lines, and 1x everywhere else. You'll also get the 4th Night Free on 2 hotel bookings per year (restrictions apply).

You'll pay up for this card, though, in the form of a $495 annual fee.

You'll also get a $250 travel credit every calendar year, Priority Pass airport lounge access, and a cell phone protection benefit.

This card is subject to Citi's 1/24 restriction, therefore you may wish to consider the Citi Premier card before applying, as you can only get one bonus or the other within 24 months.

For the purposes of valuing the rewards on this card, "Other Travel" is counted as Cruises which earn 3x points.

Offer: None. Product is not currently available to new applicants

Don’t Miss Out On Limited time Offers

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