Citi ThankYou Premier Card: Flexible Point Redemption Options

Redeem ThankYou Points for travel and much more.

With the Citi ThankYou Premier Card, you’ll earn points with every purchase that can be used to redeem travel rewards, gift cards, merchandise, concert tickets, Amazon purchases and more.

Read a detailed review of the ThankYou Premier Card and decide if it is a good credit card option for you.

Citi ThankYou Premier Card at a Glance  
Annual Fee $95, waived for the first 12 months
APR 16.49% to 25.49%
Intro APR N/A
Other Intro Offers Earn 50,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening
Rewards 3x ThankYou Points on travel, including gas stations; 2x ThankYou Points on dining out and entertainment; 1x ThankYou Points on all other purchases
Special Features No foreign transaction fee; Citi Private Pass; EMV chip technology; $0 liability on unauthorized charges

In This Review

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What You Need to Know About Citi ThankYou Premier Card

The Citi ThankYou Premier Card is a reward credit card that offers flexible ways to earn and redeem points. It’s also unique in that you can transfer points to participating airline loyalty programs. Keep in mind that there is a $95 annual fee with this card after the first year, so it might not be a good fit for people who wouldn’t earn enough rewards to make up for the fee.

Best for: People who want to earn rewards for travel purchases and flights.

Best Features of Citi ThankYou Premier Card

In addition to allowing you to earn points with every purchases, this Citi card comes with a number of additional perks and benefits.

Triple ThankYou Points on Travel

If your credit card purchase involves any form of travel, chances are you’ll earn three Citi ThankYou Points per dollar on the charge. Cardholders receive triple points on any purchases made on gas, airfare, hotels, cruises, car rentals, travel agency bookings, railways, public transportation, tolls, taxis, parking and much more. 

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Extra Point Perks for Frequent Flyers

There’s no expiration and no limit on the ThankYou Points you can earn, and there are a variety of redemption options for these points, including gift cards and concert tickets. However, the best way to use ThankYou Points is towards airfare — when you redeem points for airfare through the ThankYou Travel Center, points are worth 25 percent more than points redeemed for gift cards through the Citi ThankYou Rewards collection.

In addition, you can transfer qualifying ThankYou Points towards several airline loyalty programs, including TrueBlue, Virgin Atlantic Flying Club and Singapore Airlines KrisFlyer. There is no fee to transfer points, and the minimum transfer is only 1,000 points.

More Perks for Added Convenience

Cardholders of this Citi rewards card have access to a number of other benefits including:

  • Compatibility with Apple Pay
  • Access to Citi Concierge
  • Choose your own payment due date
  • Add an authorized user to earn points faster
  • 24/7 online and mobile access to your account
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Citi ThankYou Premier Card Enables You to Earn Points for Whatever You Want

Although this Citi ThankYou card is largely seen as a travel rewards card, you can redeem rewards for a number of other perks, from gift cards to shopping on Amazon. However, the best use of your points definitely is for travel rewards — specifically flights — so if you don’t fly much, this is probably not the best rewards card for you.

Click through to see the best travel credit cards.

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This content is not provided by the companies mentioned. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved, or otherwise endorsed by Citibank.

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About the Author

Gabrielle Olya

Gabrielle joined GOBankingRates in 2017 and brings with her a decade of experience in the journalism industry. Before joining the team, she was a staff writer-reporter for People Magazine and Her work has also appeared on E! Online, Us Weekly, Patch, Sweety High and Discover Los Angeles, and she has been featured on “Good Morning America” as a celebrity news expert. 

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Citi ThankYou Premier Card: Flexible Point Redemption Options
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