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!
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4 Cards Available:
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$900
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$900
This card is an excellent general travel and entertainment card with a low annual fee. It earns 3x on all travel and gas, and 2x on entertainment and restaurants.
Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, and Cathay Pacific.
The entertainment bonus category is a rare one and will reward you if you spend a lot of money on things like concert tickets or Broadway shows.
Annual Fee:
$495
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$750
Annual Fee:
$495
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$750
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 and Priority Pass airport lounge access.
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.
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$225
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$225
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.
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
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
Best Travel Credit Cards
Chase Ink Preferred
Here’s how we calculated your Rewards Value:
Point Value X Multiplier = Rewards Value
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Here’s how we calculated your Bonus Value:
Point Value X Bonus = Bonus Value
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Meet Dave
Dave’s spent the last 15 years traveling the world in first class using his miles and points. After analyzing the unique credit card spending habits of thousands of MilesTalk readers over the years, he developed YourBestCreditCards.com.
