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There are 4 major flexible award programs: Citi Thank You, Chase Ultimate Rewards, Capital One, and American Express. Keeping a healthy balance in each program means broadening your ability to redeem through increased partners ( Like Avianca ) and those programs which are repped by all 3 ( Singapore, FlyingBlue, Virgin Atlantic ). Having the ability to transfer into more programs means increasing the probability that you’ll land the redemption you desire.
If you don’t have any exposure to Citi’s Thank You program – this is a very good time to jump in.
The Citi Thank You Premier benefits:
- 50k bonus Thank You points after spending $4k in the first 3 months
- 3x points on Travel and Gas Stations
- 2x points on Dining and Entertainment
- No foreign Transaction fees
- $95 annual fee waived first year.
As I mentioned – Citi Thank You is a flexible currency which means you can transfer them to partners.
Citi Thank You also overlaps many of Amex and Chase’s partners. This is fantastic news because it means you can diversify your transfers and stay very agile when it comes time to redeem for the optimal trip.
In fact, the feature image is courtesy of a Citi Thank You partner, Air France.
- Air France/KLM Flying Blue: 1000 = 1000
- Thai Royal Orchid Plus: 1000 = 1000
- Turkish Miles and Smiles: 1000 = 1000
- Virgin Atlantic Flying Club: 1000 = 1000
- Qatar Privilege Club: 1000 = 1000
- Sears Shop your Way: 1000 = 1000
- Singapore Airlines: 1000 = 1000
- Jet Airways JetPrivilege: 1000 = 1000
- Malaysia Airlines Enrich: 1000 = 1000
- Qantas Frequent Flyer: 1000 = 1000
- Etihad Guest: 1000 = 1000
- EVA Air: 1000 = 1000
- Garuda Indonesia: 1000 = 1000
- JetBlue True Blue: 1000 = 500
- Cathay Pacific Asia Miles: 1000 = 1000
- Avianca LifeMiles: 1000 = 1000
Some of these partners may be unfamiliar to you, but many of them have incredible sweet spots hidden within them. For instance, Etihad, who is famous for their insane premium cabins, has one of the best charts for flights on American Airlines. In fact, you can still fly to Asia for just 50k miles if you use Etihad to book AA business class. That’s phenom.
I also just utilized Air France’s FlyingBlue program to fly from Paris to Washington D.C. in business class for 55k points. It’s arguably the best business class across the pond!
You also get extended Purchase Protection
The Citi Thank You Premier Card offers an extension of the original manufacturer’s warranty up to 24 months, and it offers the ability to return items up to 90 days for a full refund. Check out the details
You can also create Citi Virtual credit card numbers for increased privacy.
We wrote an entire article on Virtual numbers here that you can read.
What are the rules for Citi welcome offers?
In case you’re unfamiliar, Citi now restricts welcome offer eligibility to those who have not opened or closed any card in the family of the welcome offer in the past 24 months. What does this mean? If you have had any Citi Thank You card in the last 24 months that you newly opened, or decided to close, you are ineligible for this welcome offer.
Citi also limits how many cards you can sign up for in a given time period. If you’ve recently signed up for a Citi card I’d highly recommend you read more about Citi’s sign up rules here.
Why you may want to wait.
If a uber premium card is more your thing, Citi is releasing their revamped Citi Prestige at the end of the month. We haven’t been given details regarding the sign up bonus, but it will carry a $495 annual fee. Since Citi limits sign up bonuses to every 24 months within a family of cards, if you were to get this card now, it would preclude you from qualifying for that sign up bonus.
With a waived annual fee, an a near all time high 50k point welcome offer, and great category bonuses – it’s well worth considering.
Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers
A Monkey Miles favorite for beginners and point pros alike – a staple of our wallet that earns Premium transferrable Ultimate Rewards. $95 annual fee
♥ Earn 60k Bonus Points after $4k Spend in 3 months
♥Points are transferrable to over dozen partners, or redeemable for 1.25c in Chase travel
♥5x on travel purchased via Chase Travel and 2x everywhere else (beginning 8/16/21)
♥3x on dining, including eligible delivery services, takeout and dining out (previously 2x – beginning 8/16/21)
♥3x on select streaming (beginning 8/16/21)
♥ 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs -(beginning 8/16/21)
♥ $50 Annual Credit on hotel stays purchased via Ultimate Rewards. *New cardmembers can get this credit immediately – existing cardmembers get it after anniversary (beginning 8/16/21)
♥ 10% Anniversary Point Bonus. Spend $10k in a year, get 1k bonus points. (beginning 8/16/21)