Should You stock up On ThankYou Points with the Citi ThankYou Premier credit card offer?

For those looking for a credit card that offers great travel rewards, the Citi ThankYou Premier card might be a decent option.

The Citi ThankYou Premier Card offers users 25,000 bonus points after $2000 in promotional spend over the first 3 months of membership. The card carries an annual fee of $125, but that is waived for the first 12 months.

ThankYou points can be redeemed for gift cards and for airfare. When used for giftcards, ThankYou points ordinarily have the value of one penny apiece (25,000 ThankYou points gets you a $250 gift card). However, the points have 33% more value when used directly for airfare (those same 25,000 ThankYou points can cover $333 in airfare, which might be able to get you a round trip ticket from NYC to LAX).

Besides getting an added value when redeeming airfare with your ThankYou points, the card also has no foreign transaction fee on purchases. Hence, you can go anywhere in the world and not have to worry about being charged a fee when making purchases in another currency.

An additional travel incentive is an annual domestic companion ticket and a 15% discount when you book your air travel through Citi’s benefits provider, Spirit Incentives.

Additional Features

For those who want to be rewarded for everyday spending, the Citi ThankYou Premier card has its attractive features as well:

You get 1 ThankYou Point for every $1 spent on purchases. Additionally, you earn 20% more, 1.2 ThankYou points for every dollar spent, when you use your card at supermarkets, gas stations, drugstores, commuter transportation and parking merchants.

In order to get you to maintain your cardmembership, Citibank offers you can even earn an anniversary bonus on points earned from purchases made throughout the year. The longer you are a member, the higher the bonuses, which goes up to 5% after 4 years of membership.

There is no limit on the points you can earn and no expiration date for redeeming your points.

The card also allows you to add an authorized user to your account to earn points faster, has no pre-set spending limit, and includes other additional services.


Some will find that they get great bang for their buck through the Citi ThankYou Premier card’s attractive rewards, but most will find that one of the other rewards credit cards offered by Chase or by American Express to be substantially more attractive. This will be especially true for those seeking to covert their spending loyalty into hotel or airline rewards. Chase’s Ultimate Rewards and Amex’s Membership rewards program allow for points to that can be transferred to the programs of leading travel partners, including British Airways, United (Chase), Delta (Amex), Hyatt (Chase) and Starwood (Amex).

Apply for the Citibank Thank You Premier Card here.

Find a better travel and rewards card here.

Teresa Huang
Teresa Huang: Teresa Huang graduated from Tufts University with a B.S. in Economics & Psychology. Through her classes at Tufts and prior summer internships at various financial firms, including UBS, she developed an interest in finance. Combined with her passion for writing, Teresa believes that financial journalism will allow her to convey her passion and interest in finance with others.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities.

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