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I’m in the midst of a big wallet change up and this past week I pulled the trigger and added the Citi Thank You Premier back into the flock. I’d had the card a few years ago, but opted to downgrade it to a Citi Double Cash to use in tandem with a Citi Prestige. That all changed this past week when I was approved for the Citi Thank You Premier.
What pushed me over the edge? An incredible combination of an all time high welcome offer ( 80k Thank You points after $4k spend in 3 months ) and the temporary, and hopefully long term, addition of American Airlines as a transfer partner. I’m not sure you can argue that a better all around card exists.
My fave Citi Thank You Premier benefits
Worry free, every time you swipe, earn triple points on air travel, hotels, supermarkets, dining, AND gas…this is the most straightforward card out there. Even if you don’t wish to utilize the rich transfer partners of Citi Thank You, you can redeem them for 1 penny a piece towards airfare in the Citi Travel Center.
- 80k bonus Thank You points after spending $4k in the first 3 months
- 3x points on
- Air Travel
- Access to Mastercard World Elite benefits
- No foreign Transaction fees
- $95 annual fee
Why this card may not be for everyone
The biggest drawback that I can see is the program’s transfer partners require a bit more savviness in terms of redemption compared with Chase and Amex who both have more US domestic partners. However… until November 13th, American Airlines is a transfer partner of Citi Thank You which I think makes it a very compelling card for no other reason that access to AA.
Personally, I love the traditional Citi Thank You partners, but most of them are foreign carriers. This doesn’t mean you can’t use their miles on domestic carriers
If Citi made AA a long term transfer partner I would push a lot more of my overall spend through the program. But, if it added in a couple of great hotel programs and improved the referral system…I think Chase and Amex would have a run for their money
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
♥3x on dining, including eligible delivery services, takeout and dining out
♥3x on select streaming
♥ 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs
♥ $50 Annual Credit on hotel stays purchased via Ultimate Rewards. *New cardmembers can get this credit immediately – existing cardmembers get it after anniversary
♥ 10% Anniversary Point Bonus. Spend $10k in a year, get 1k bonus points.