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The Citi ThankYou® Premier Card is offering a big new 50,000 point sign-up bonus after spending $4,000 within the first three months of account opening. As far as I know, we’ve never seen a bigger sign-up bonus on the card. The card has a $95 annual fee, which is waived for the first 12 months.
This is the most rewarding Citi credit card for everyday spend, as it offers:
- 3x points on travel, including gas stations
- 2x points on dining & entertainment
- 1x points on all other purchases
Those are extremely well rounded bonus categories. Keep in mind that the card offers 3x points on travel purchases including gas, unlike most other cards, which won’t include “gas” in the travel category. Without accounting for the fact that I value ThankYou points slightly less than Membership Rewards or Ultimate Rewards points, those are the most well rounded bonus categories for a mid-range card.
Points earned on the Citi ThankYou Premier Card can be redeemed for airfare at the rate of 1.25 cents per point (making 50,000 points worth $625), or alternatively can be transferred to the ThankYou hotel and airline partners, which include the following (along with their conversion rates and transfer times):
|Citi ThankYou Transfer Partner||Transfer Ratio||Transfer Time|
|Air France KLM FlyingBlue||1000 : 1000||Instant|
|Avianca LifeMiles||1000 : 1000||Instant|
|Cathay Pacific Asia Miles||1000 : 1000||~ 1-2 days|
|Etihad Guest||1000 : 1000||~ 3-6 days|
|EVA Air Infinity MileageLands||1000 : 1000||~ 1-2 days|
|Garuda Indonesia GarudaMiles||1000 : 1000||~ 1-2 days|
|JetBlue TrueBlue||1000 : 500||Instant|
|Malaysia Airlines Enrich||1000 : 1000||~ 1-2 days|
|Qantas Frequent Flyer||1000 : 1000||~ 1-2 days|
|Qatar Privilege Club||1000 : 1000||~ 1-2 days|
|Singapore Airlines KrisFlyer||1000 : 1000||~ 1-2 days|
|Thai Royal Orchid Plus||1000 : 1000||~ 3-6 days|
|Turkish Airlines Miles & Smiles||1000 : 1000||~ 1-2 days|
|Virgin Atlantic Flying Club||1000 : 1000||~ 1-2 days|
As far as getting approved for the Citi ThankYou Premier Card goes, you’re not eligible for the sign-up bonus if you’ve had a ThankYou Preferred, ThankYou Premier, or Citi Prestige card opened or closed in the past 24 months. In other words, it’s fine if you have one of those other cards, but you just can’t have opened or closed it in that time period. So if you’re a current Citi Prestige® Card cardmember, you can get the Citi ThankYou Premier Card as long as you got the Prestige over 24 months ago.
As far as Citi’s general card approval rules go:
- You can only apply for one Citi card every eight days
- You can apply for no more than two Citi cards every 65 days
For quite a while the standard sign-up bonus on the Citi ThankYou Premier Card has alternated between nothing and 30,000 points upon completing minimum spend, so a 50,000 point sign-up bonus is fantastic. This is an extremely well rounded card for everyday spend, with a low annual fee that’s even waived the first year.
If you don’t yet have this card, I’d seriously consider applying.