Great Travel Credit Card for Frequent Travelers

Citi ThankYou® Premier Card photo
Citi ThankYou® Premier Card
Recommended credit score: Excellent
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When it comes to the rewards for the travel purchases, the Citi® ThankYou® Premier Card is certainly one of the best options on the market. With this card your travel transforms into even more travel due to high rewards for travel purchases.

  • Good 30,000 reward points sign-up bonus;
  • Great rewards for travel purchases (3 points for travel, 2 points for dining out and entertainment);
  • No foreign transaction fee.
  • $95 annual fee waived for the first year;
  • Limited amount of airlines for reward points redemption.

How to use this card

Earn 30,000 reward points as a sign-up bonus after you spend $3,000 on this card in first 3 months. Bonus is available only if you are a new Citi® cardholder, i.e. if you have not had Citi® Prestige® or Citi® ThankYou® Preferred opened or closed in the last 24 months. For purchases on the Citi® ThankYou® Premier card you earn the following rewards:

  • 3 ThankYou® points per each $1 spent on travel purchases, including airfare, hotel stays, gas, public transportation, taxis and many others;
  • 2 ThankYou® points per each $1 spent on dining and entertainment;
  • 1 ThankYou® point per $1 on all other purchases.

ThankYou® points earned on the Citi® ThankYou® Premier card have no limit and never expire as long as credit card is open. As it comes with any credit card which earns reward points, you can redeem your points for a wide range of purchases (books, electronics, home goods, etc.) or transfer them to airline or hotel partners. Unfortunately, the list of airline partners you can transfer points to is limited to 13 airlines. Moreover, points transfer works out mostly for international travelers – only 2 of the 13 airline partners operate domestic routes.

Points redemption 

The most attractive way to redeem ThankYou® points is redemption for airfare through ThankYou® Travel Center. When you use this option to redeem your points, they are worth 25% more compared to usual offer for points redemption (1 cent for 1 point). Thus, for example, your sign-up bonus will be worth of $375 if redeemed for airfare.

Additional benefits

In addition, with the Citi® ThankYou® Premier card you get a few complimentary services:

  • Citi® Private Pass® allows you to buy tickets for thousands of events around the world even if tickets are already sold out at regular merchants. You also get an access to the list of services which will assist your travel to be safe and carefree;
  • Lost Baggage Protection may refund your lost or stolen luggage;
  • Worldwide Travel Accident Insurance will cover your expenses if any kind of tragic accident happens;
  • Worldwide Car Rental Insurance will cover a theft or a damage of a rented car if you pay for the car with the Citi® ThankYou® Premier card and decline to buy a regular insurance at the car rental service. Also, if you pay with the Citi® ThankYou® Premier card for a travel which was spoiled by the accident (e.g. cancelled flight), you may get reimbursement for non-refundable expenses;
  • 24/7 Concierge Service is designed especially to assist you in saving time for everyday needs – experienced support experts will help you in any deal, whether it is a need to book a ticket with VIP access for event or to find a proper place for a romantic dinner on vacations in other country.

How much it costs

$95 annual fee is waived for the first year. A 15.49% - 24.49% variable APR will applied based on your creditworthiness. Variable penalty APR up to 29.99% may be applied indefinitely if you make any payment late or payment will be returned. Penalty fee up to $35 may be charged for late or returned payments.

The bottom line

The Citi® ThankYou® Premier card shines at its rewards for travel purchases and redemption offer for exchange of reward points for airfare. If you are a frequent traveller, you spend a lot on entertainment and dining out, and you prefer to redeem reward points on travel, the Citi® ThankYou® Premier card is definitely worth to apply.
Citi ThankYou® Premier Card photo
Citi ThankYou® Premier Card
Recommended credit score: Excellent
See terms
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