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Why I signed up for the Citi Thank You Premier Card
I actually had this card a few years ago when cardmembers received a fixed rate per point that could be redeemed at their travel site which was powered by Expedia. I earned 3x on every point for the first year on my MasterCard and 2x for 2 years on my Amex. I earned a lot of points and flew all over the country using their Travel Center. Then I became more interested in how I could redeem points at a far greater rate than what the Thank You Travel Center would give me. So I gave up the card and last year reopened some different Citi accounts.
- Citi Aadvantage Executive Card – 100k bonus
- Citi Aadvantage Platinum Card – 50k bonus
- Citi Aadvantage Business Platinum Card – 50k bonus
I gave up the Executive card in April because it carries a $450 annual fee and at this point still have the other two. More than likely I’ll be giving up both of them unless they give me a great retention offer. Also, you can sign up for these cards again after 18 months, so the sooner you relinquish them, the sooner the clock starts. So I was looking to take advantage of some Citi products that added great value.
The Citi Thank You Premier card has a great sign up bonus and outstanding earning structure with a waived $95 annual fee the first year! A great way of testing the product.
The ability to earn 3x points on all travel related expenses including gasoline is Huuuge.
I will probably be loading all of my travel purchases on this card for the foreseeable future to rack up Thank You points. Also, to match the Sapphire Preferred Card, Thank You gives you 2x points on all dining and entertainment. These two categories earning rates are incredible incentives for using this card, and are specifically targeted at people who use Chase Ultimate Reward products. IMO, Ultimate Rewards are still slightly more valuable ( I love the ability to transfer into Hyatt, Korean, United, and Singapore) than these Thank You points, but Thank You has shot up the ladder with their earn rates and their new transfer partners.
The ability to earn points faster and then transfer them in the travel program of your choice makes Citi Thank You a much more attractive product.
Citi Thank You points now have incredible transfer partners = Fly like a BALLER
- Cathay Pacific ( One World )
- Eva ( Star Alliance )
- Etihad ( Non-alliance: American, Air France, Garuda, Korean, etc Full List )
- Air France ( Sky Team )
- Garuda ( Sky Team )
- Malaysia ( One World )
- Qantas ( One World )
- Qatar ( One World )
- Singapore ( Star Alliance )
- Thai ( Star Alliance )
- Virgin Atlantic ( Sky Team )
These Transfer partners are the biggest reason I signed up.
These partners give great access to the 3 major airline alliances: Star Alliance, Sky Team, and One World. Having the ability to now use a Citi Card that accumulates points that can transfer into these various airlines gives me the ability to top up accounts by transferring Thank You points in addition to Amex Membership Rewards, and Chase Ultimate Rewards. These are 3 of the 4 best flexible currency programs (Award Programs that allow you to transfer into partner programs.) Meaning, my flexible currency account balances can grow faster through sign up bonuses and I can travel on their partner programs more often by transferring smaller amounts from each flexible account. This strategy keeps more points in flexible currencies rather than having to empty out those accounts for an award redemption. Let’s take a look an an example of what I’m referring to.
I want to take a trip to Russia later this year…I want to fly Singapore Airlines Business or First. Well…who doesn’t?!
Clearly I wouldn’t be paying cash for this trip. But both of these are very attainable with just ONE sign up!
Singapore is a transfer partner of Citi Thank You, Chase Ultimate Rewards, and American Express Membership Rewards. I have balances in all three accounts. Cha-Ching.
Taking the flight in business (discount 15% for online bookings) is 48,875 points.
Just this sign up alone would fly me over in business class on Singapore Air!
Or…17000 points from each of the 3 flexible currency accounts, leaving my options a lot more flexible in the future.
And here is what I will be flying! Not. Bad.
Get your perm done and your pants pressed ya’ll:
International First is within reach!!!
Discount of 15% = 57375 points
- 20000 Thank You Points
- 19000 Amex MR
- 19000 Chase UR
If you did your minimum spend in bonus categories you’d have enough from this sign up alone to fly Singapore First. If not…buy some Singapore Points to make up the difference.
The additional benefits of this card are great too:
- EMV Chip
- Citi Private Pass ( exclusive access to tickets to events, etc )
- Car Rental Insurance
- Lost baggage protection
- Emergency Medical Travel Insurance
At the end of the day, it’s too hard to pass up the ability to earn points at this rate with transfer partners that are as valuable as Citi Thank You. Word.
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.