Difference between revisions of "Citi premier card"

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|CurrentOffer=60,000 ThankYou points, with $4,000 spend. {{NetValue|800|.20}}
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|CurrentOffer=Highest ever 80,000 point offer ($4,000 initial spend)
 
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|SignupBonusChart=//www.uscreditcardguide.com/citi-thankyou-premier-credit-card/#Historical_Offers_Chart
 
|SignupBonusChart=//www.uscreditcardguide.com/citi-thankyou-premier-credit-card/#Historical_Offers_Chart
 
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'''For anyone who is comfortable redeeming their points for frequent flyer tickets, the Citi Prestige card offers the highest reward rate on Restaurants and Online Travel Agencies, as well as a great reward rate on Airfare. You'll receive 5x ThankYou points per dollar, worth at least {{Value|TY|5}}% on these purchases. It also offers free cell phone protection and aiport lounge access (with unlimited guests).'''  
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'''If you are comfortable using your points for frequent flyer tickets and aren't willing or able to use business cards, the Citi Premier and Double Cash combo is the best way to earn rewards on your credit card spending. For a total of $95 in annual fees, you'll earn 3x points on restaurants, groceries, gas, and most travel expenses, and 2x points on everything else. You can then get extra value from your points by transferring them to one of a dozen different frequent flyer programs.'''
  
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'''The Prestige or the less-expensive Premier card can be used in conjunction with the no-annual-fee Double Cash card to earn 2x transferable reward points on your everyday purchases, which is potentially more valuable than the 1.5x Ultimate Rewards points you earn with the Chase Unlimited combo.'''
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'''The Citi Premier is the most well-rounded bonus reward card available, with good reward rates on each of the major bonus categories. It also offers the most lucrative ThankYou signup bonus and unlocks your ability to transfer ThankYou points to airline partners.'''  
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'''The Prestige card has another potentially valuable benefit—it gives you your 4<sup>th</sup> night free on hotel reservations made through Citibank's travel site, up to two times per year.'''
 
  
 
{{TOC|All}}
 
{{TOC|All}}
 
*[[#Introduction to ThankYou Points|Intro to ThankYou Points]]
 
*[[#Introduction to ThankYou Points|Intro to ThankYou Points]]
 
*[[#Collecting the Signup Bonus|Signup Bonus]]
 
*[[#Collecting the Signup Bonus|Signup Bonus]]
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*[[#Other Notable Benefits|Other Notable Benefits]]
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*[[#Notable Benefits|Notable Benefits]]
 
*[[#Bonus Categories|Bonus Categories]]
 
*[[#Bonus Categories|Bonus Categories]]
 
*[[#Getting Rid of the Card|Getting Rid of the Card]]
 
*[[#Getting Rid of the Card|Getting Rid of the Card]]
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<ul class="bulletlist">
 
<ul class="bulletlist">
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<li>'''It is worth getting this card just for the signup bonus'''. The typical signup offer is 60,000 points valued at {{Value|TY|60000}}.</li>
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<li>{{Signup Intro|high}} {{Signup Points|60000|TY|ThankYou points}} {{Signup Value|700|4000|95}} {{Signup Variable|ThankYou points}}. {{Link|point values}}</li>
  
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<li>'''You can only collect one signup bonus every 24 months from the Citi ThankYou card family'''. More accurately, you can't collect a signup bonus within 24 months of signing up for, or cancelling, the Citi Prestige, Citi Premier, Citi Preferred, or Citi Rewards+ card. While cancelling a card resets the clock, converting a card from one to another usually does not. This special signup bonus restriction doesn't apply to the Double Cash or AT&T card, even though they can earn ThankYou points.</li>  
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<li>'''You can only collect one signup bonus every 24 months from the Citi ThankYou card family'''. More accurately, you can't collect a signup bonus within 24 months of signing up for, or cancelling, the Citi Prestige, Citi Premier, Citi Preferred, or Citi Rewards+ card. While cancelling a card resets the clock, converting a card from one to another usually does not. This special signup bonus restriction doesn't apply to the Custom Cash, Double Cash or AT&T card, even though they can earn ThankYou points.</li>  
  
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<li>'''To maximize the bonuses you collect from Citi's ThankYou cards, carefully time when you cancel your cards'''. If you don't want a card after your initial year, convert it to the no-annual-fee Rewards+ card, instead of cancelling it. A year later, you'll be eligible for a new signup offer. If you have more than one Rewards+ card, you should cancel it just after been approved for the new card, so it doesn't reset the card.</li>
+
<li>'''To maximize the bonuses you collect from Citi's ThankYou cards, carefully time when you cancel your cards'''. If you don't want a card after your initial year, convert it to the no-annual-fee Rewards+ or Custom Cash card instead. A year later, you'll be eligible for a new signup offer. If you want to cancel an extra Rewards+ or Custom Cash Card, you should wait until just after been approved for one of their other cards, so it doesn't separately reset the clock. And you need to remember to avoid cancelling any card that still has points associated with it.</li>
 
</ul>
 
</ul>
  
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=== 4<sup>th</sup> Night Free Benefit (Prestige Card) ===
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=== Notable Benefits ===
  
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<blockquote>
 
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The Citi Prestige card has a unique and potentially lucrative benefits—you get your 4<sup>th</sup> night free on every hotel reservation booked through Citibank.
 
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</blockquote>
 
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The “4<sup>th</sup> night free” benefit works whether you are booking a $80 per night hotel on the outskirts of town, or a $800 per night resort hotel in some exotic locale, and you can use it two times every year. {{Link|4th night free}}.
 
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Unfortunately, you need to book your hotel through Citibank's website. That means you only have access to whatever rate they are offering, can only book hotels and room inventory that is available via their system, and generally won't receive any hotel loyalty program benefits or points with your stay. In practice, Citibank's website tends to have higher room rates than other booking options, frequently doesn't provide a non-refundable option even when they one is available elsewhere, and often shows "no availability" when hotels still have plenty of room.
 
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Always check to see if the rate for all 4 nights on another site is actually higher than Citibank's rate for 3 nights. Sometimes, the 4th night free benefit will still save you a bunch of money and it remain uncapped. Other times, it may only be a little less expensive (or even more expensive) than booking elsewhere. In addition, for chain hotels, make sure whatever you are saving makes up for any potential loss of benefits and hotel rewards.
 
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=== Other Notable Benefits ===
 
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The Prestige version of the card comes with the following beneifts.
 
 
<ul class="bulletlist">
 
<ul class="bulletlist">
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{{Benefit Lounge|family}}
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<li>'''Annual $100 hotel savings benefit'''. Once per calendar year, you can save $100 off any hotel reservation of at least $500 that you make through Citibank's website. Since rates on this website are usually higher than what you can find elsewhere (and don't entitle you to participate in the hotel's own loyalty program), you typicall won't get full value from this benefit, but you can often save at least some money.</li>  
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<li>'''Cell phone protection'''. Starting on May 1st, if you pay your cell phone bill with your card, you'll receive coverage on up to five lines. The maximum claim is $1,000, with a $1,500 annual cap, and a $50 deductible.</li>  
 
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{{Benefit TSA|five}}
 
  
 
{{Benefit Elite}}
 
{{Benefit Elite}}
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{{Benefit Citi}}
 
 
</ul>
 
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The Premier version of the card gives you the elite car rental and luxury hotel program benefits.
 
  
 
=== Bonus Categories ===
 
=== Bonus Categories ===
  
 
<ul class="bulletlist">
 
<ul class="bulletlist">
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<li>'''The Prestige card earns fantastic rewards on restaurant, online travel agency, and airfare purchases'''. You'll earn 5x ThankYou points per dollar, valued at at least {{Value|TY|5}} cents per dollar. Even if you simply redeemed your points to offset travel purchases, this works out to 5 cents per dollar. {{Link|Restaurant Spending}}</li>
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<li>'''The Premier Card earns earns the best set of bonus category rewards of any individual card'''. It earns 3x ThankYou points (valued at {{Value|TY|3}} cents per dollar) on all the main bonus categories, including groceries, gas, restaurants, and most travel expenses. Better reward rates are sometimes available from other cards, but there is no simpler way to earn good bonus rewards on all the common categories (as long as your are comfortable using your points for frequent flyer tickets).</li>
  
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However, if you already have one of the Amex Platinum cards, you probably prefer to use it to earn 5x Membership Rewards points instead; and if you already have the Sapphire Reserve you may prefer to settle for 3x easier-to-redeem Ultimate Rewards points and it's built in travel insurance benefits. {{Link|Travel Spending}}.  
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<li>'''The Citi Premier Card supercharges the rewards you earn from the Citi Double Cash Card'''. The Double Cash Card earns 2x points on every purchase. Normally, these points are only worth 1 cent each. But if you have the Citi Premier Card (or Citi Prestige Card), you'll have the option of turning your Double Cash points into ThankYou points and transferring them to frequent flyer programs. For anyone who is comfortable redeeming their points for frequent flyer tickets and isn't willing and able to get business cards, the Citibank Combo is the best option for earning credit card rewards.</li>
  
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<li>'''The Prestige and Premier cards can be good choices on other types of travel purchases'''. You'll earn 3x ThankYou points, worth around {{Value|TY|3}}cents per dollar. The only card that we would generally prefer is the 3x Ultimate Rewards points from the Chase Sapphire Reserve. The Prestige card only earns 3x points on hotels and cruises, while the less-expensive Premier version earns 3x points on a very wide range of travel purchases, including transit tickets and even gas.</li>
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<li>'''The no-annual-fee Reward+ card can boost your rewards'''. It gives you a rebate of 10% on the first 100,000 of ThankYou points you redeem each year. For example, if you transfer 50,000 points to British Airways, you'll get 5,000 points back, and if you use 20,000 points to purchase $200 of travel on the Citibank website, you'll get 2,000 points back. This boosts the rewards from the Premier, Prestige, and Double Cash cards by 11%.  
 +
</ul>
  
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<li>'''The Premier card is (almost) the only card that earn bonus rewards on entertainment spending—but no more than you can get from the Double Cash card'''. You can earn slightly more rewards from the {{Card|Sony|only}}, and without paying an annual fee, but you'll need to redeem your rewards for gift cards (at a variety of merchants), or Sony purchases, rather than on frequent flyer tickets.</li>
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=== Getting Rid of the Card ===
  
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<li>'''The Premier version of the card offers good rewards on gas purchases'''. Gas is considered a type of travel expense, and will earn 3x ThankYou points, worth around {{Value|TY|3}} cents per dollar. This is more valuable than most other cards. Unfortunately, this benefit doesn't extend to the Prestige version. {{Link|Gas Spending}}.</li>
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<ul class="bulletlist">
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<li>'''You could lose your ThankYou points when you cancel your card'''. Any ThankYou points associated with your card will expire 60 days after you cancel. You can transfer them to another person's account, but they will then expire after 90 days. You need to either hold onto your card, product change it to the Citi Rewards+, Citi Custom Cash Card, or Citi Preferred Card, or transfer your points to your favorite travel partner. You can downgrade to the Rewards+ or Custom Cash Card even if you already have one.</li>
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<li>'''The Reward+ card is good for small purchases'''. The Rewards+ card rounds up each purchase's rewards to units of 10 points. For example, if you make a $2 purchase, instead of receiving 2 points, you'll receive 10. If you make a $15 purchase, instead of receiving 15 points, you'll receive 20. This dramatically increases the reward rate on small purchases. The rate on 50 cent transaction is a whopping 20X points. but since the purchases are small it won't add up to very many extra points in absolute terms. Artificially creating lots of small purchases is likely to get you banned by Citibank and potentially the merchant as well.</li>
 
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<li>'''The Double Cash card works as a great option for your everyday spending'''. It earns 2x ThankYou points on every purchase and has no annual fee. If you have the Prestige or Premier card, you can use these like all your other ThankYou points.</li>
 
−
</ul>
 
  
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=== Getting Rid of the Card ===
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Note that without a Premier Card (or Prestige Card), you can't transfer your points to travel partners. If you don't have one and you downgrade your card to one of the no-annual-fee options, you'll hold onto your points and can redeem them for 1 cent each, but you'll need to upgrade back or otherwise get one of these cards in the future to regain the ability to transfer your points to partners.
−
Before cancelling or converting your Citi Prestige card, try to use up any remaining amount of your annual travel credit.  
 
  
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You'll lose any ThankYou reward points you've earned with your card, shortly after you close the card or transfer the points to another account, even if you have another card that earns ThankYou points. If you have a significant amount of points, transfer to the no-annual-fee Rewards+ card, rather than cancelling outright. You'll receive a prorated refund of your annual fee, so you don't necessarily need to do it immediately after your anniversary date.  
+
<li>'''Cancelling your card resets the clock for earning another ThankYou point signup bonus'''. You aren't eligible if you've opened or closed account within the last 24 months. Product changing, rather than cancelling, shouldn't reset the clock. But sometimes it does and there is really no rhyme or reason to it. You should theoretically be able to product change to any other Citibank personal credit card.</li>
  
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Having at least one Reward+ card on your account gives you a 10% rebate on the first 100,000 ThankYou points you redeem each year (regardless of their original source). You also won't reset the clock for earning your next Prestige / Premier signup bonus.  
+
<li>'''If you don't already have one, the Rewards+ and the Custom Cash Cards are compelling product change option'''. The Rewards+ gives you a 10% rebate on the first 100,000 ThankYou points you redeem each year. The Custom Cash Card earns 5x points on up to $500 spend in whichever category you use it for the most each billing cycle. With either card, you aren't missing out on much in the way of a signup bonus, but since you bonuses from the Custom Cash Card don't interfere with bonuses from the other cards, you might want to apply for it directly.</li>
  
−
If you don't have a points balance to protect, you could convert to a Citi Dividend card, which earns 5% back on the first $6,000 of annual spending in a rotating set of categories. However, your card number may change as part of the switch and if it does, your signup bonus clock will reset. If it is more than 30 days since your annual fee, you also may NOT receive a prorated refund of your annual fee.  
+
<li>'''You can wait to cancel your card until after the annual fee shows up on your statement'''. As long as you cancel within 30 days of the statement closing date, Citibank will refund the fee. After 30 days, you can receive a pro-rated refund by downgrading to a lower-priced card, such as the Rewards+.</li>
  
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<li>{{Cancel Retention}}</li>
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</ul>
 
{{/Main|card}}
 
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{{/Page|card}}
 
{{/Page|card}}

Latest revision as of 16:32, 8 July 2021

  Citibank Credit Cards

ThankyouPremier.jpg

Citibank Webpage
Annual Fee

$95

Current Offer
Highest ever 80,000 point offer ($4,000 initial spend)
Typical Signup Offer

60,000 ThankYou points

$4,000 initial spend

($800 net value, .20/$)

Signup Bonus Chart
Bonus Categories

3x Restaurants (≈4.5%)

3x Airfare, Online Travel Agencies, and Hotels (≈4.5%)

3x Groceries (≈4.5%)

3x Gas (≈4.5%)

1x Everywhere Else (≈1.5%)


No Foreign Transaction Fee


ThankYou Rewards Guide


ThankyouPremier.jpg

If you are comfortable using your points for frequent flyer tickets and aren't willing or able to use business cards, the Citi Premier and Double Cash combo is the best way to earn rewards on your credit card spending. For a total of $95 in annual fees, you'll earn 3x points on restaurants, groceries, gas, and most travel expenses, and 2x points on everything else. You can then get extra value from your points by transferring them to one of a dozen different frequent flyer programs.

The Citi Premier is the most well-rounded bonus reward card available, with good reward rates on each of the major bonus categories. It also offers the most lucrative ThankYou signup bonus and unlocks your ability to transfer ThankYou points to airline partners.


Jump to


Introduction to ThankYou Points

ThankYou Rewards is the name of Citibank's own rewards program. ThankYou Rewards Guide.

  • ThankYou points can be transferred to many different frequent flyer programs. his gives you the flexibility to take advantage of award space on over a hundred different airlines. In many cases, you can choose to book a flight through one of several different partner programs, allowing you to take advantage of whichever program requires the fewest miles and fees for your trip.
  • ThankYou Rewards occasionally offers promotional transfer bonuses. When the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points to a specific airline. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points for every 10,000 ThankYou points you transfer. See Take Advantage of Transfer Bonuses to Get More Value from Your Reward Points for more information or visit Frequent Miler’s Current Transfer Bonuses page for a list of current (and past) promotions.
  • You can also "cash out" your points at 1 cent each. Citi Premier and Prestige customers can very easily convert their points to cash.
  • If you have the no-annual-fee Citi Rewards+ card, you get a 10% rebate on your points redemptions. This is capped at to your first 100,000 points of redemptions each year. For example, if you transfer 50,000 points to British Airways, you'll get 5,000 points back. This gives you an easy boost of 11% to point values, regardless if you convert your points to frequent flyer tickets or cash them out.
  • We value ThankYou points at 1.5 cents each. Because you can take advantage of award space and "sweet spots" from many different frequent flyer programs and the occasional transfer bonus, ThankYou points are generally worth more than any single type of airline miles. If you highly valuable premium-cabin award tickets, ThankYou points are worth even more. But because Citibank has a weaker set of airline partners, ThankYou points are typically somewhat less valuable than Membership Rewards points. On the other hand, if you expect to be able to take advantage of Turkish Airlines awards for domestic and Hawaii travel on United Airlines, they may actually be more valuable the other types of bank points. How Much are Points Worth?
  • If you aren't comfortable using your points for frequent flyer tickets, they are only worth 1 cent each. Unlike Chase's Ultimate Rewards, transfer rates for hotel programs aren't very attractive, there are no fixed-value airline partners (like Southwest), and there is no cash out option for greater than 1 cent per point.

Collecting the Signup Bonus

  • It is worth signing up for this card just to collect the signup bonus. The typical signup bonus is 60,000 ThankYou points, valued at $900 (at 1.5 cents per point). After subtracting the annual fee and the opportunity cost of using the card for $4,000 of spending, the calculated net value for the initial year is $700 (18 cents per dollar spent). Your value may be higher or lower, depending on how much you value ThankYou points.. How Much are Points Worth?
  • You can only collect one signup bonus every 24 months from the Citi ThankYou card family. More accurately, you can't collect a signup bonus within 24 months of signing up for, or cancelling, the Citi Prestige, Citi Premier, Citi Preferred, or Citi Rewards+ card. While cancelling a card resets the clock, converting a card from one to another usually does not. This special signup bonus restriction doesn't apply to the Custom Cash, Double Cash or AT&T card, even though they can earn ThankYou points.
  • To maximize the bonuses you collect from Citi's ThankYou cards, carefully time when you cancel your cards. If you don't want a card after your initial year, convert it to the no-annual-fee Rewards+ or Custom Cash card instead. A year later, you'll be eligible for a new signup offer. If you want to cancel an extra Rewards+ or Custom Cash Card, you should wait until just after been approved for one of their other cards, so it doesn't separately reset the clock. And you need to remember to avoid cancelling any card that still has points associated with it.

Notable Benefits

  • Annual $100 hotel savings benefit. Once per calendar year, you can save $100 off any hotel reservation of at least $500 that you make through Citibank's website. Since rates on this website are usually higher than what you can find elsewhere (and don't entitle you to participate in the hotel's own loyalty program), you typicall won't get full value from this benefit, but you can often save at least some money.
  • Elite car rental status. As with all World Elite MasterCards, you get free National Emerald Club Executive and Sixt Platinum status. Instant Car Rental Elite Status.
  • Access to Mastercard's luxury hotel program. Another benefit of high-end MasterCards is access to MasterCard's luxury hotel program. When you use the program to book one of the participating hotels, you'll get a number of valuable benefits, like free breakfast, a $100 hotel credit, a room upgrade, and late checkout.Take Advantage of Luxury Hotel Programs for Valuable Extra Perks.
  • Free ShopRunner membership. Like all World Elite MasterCards, your card entitles you to a complimentary ShopRunner membership, which provides free two-day and return shipping from around 150 of the largest online retailers. ShopRunner.
  • DoorDash and Hello Fresh discounts. Cardmembers who have a DoorDash membership get $5 off their first two orders each month when paid for by their Mastercard. If you don't have a free membership from Chase, you can get your first three months membership for free through Mastercard. You also get a 5% credit back on each HelloFresh purchase.
  • Some additional discounts. If you pay for at least 3 Lyft rides each calendar month with your Mastercard, you'll receive a $5 Lyft credit good for the following month (once you enroll in the Lyft app). You also receive double Fandango points, a 5% reward rebate at Boxed, and $5 off every Postmates order of $25 or more.

Bonus Categories

  • The Premier Card earns earns the best set of bonus category rewards of any individual card. It earns 3x ThankYou points (valued at 4.5 cents per dollar) on all the main bonus categories, including groceries, gas, restaurants, and most travel expenses. Better reward rates are sometimes available from other cards, but there is no simpler way to earn good bonus rewards on all the common categories (as long as your are comfortable using your points for frequent flyer tickets).
  • The Citi Premier Card supercharges the rewards you earn from the Citi Double Cash Card. The Double Cash Card earns 2x points on every purchase. Normally, these points are only worth 1 cent each. But if you have the Citi Premier Card (or Citi Prestige Card), you'll have the option of turning your Double Cash points into ThankYou points and transferring them to frequent flyer programs. For anyone who is comfortable redeeming their points for frequent flyer tickets and isn't willing and able to get business cards, the Citibank Combo is the best option for earning credit card rewards.
  • The no-annual-fee Reward+ card can boost your rewards. It gives you a rebate of 10% on the first 100,000 of ThankYou points you redeem each year. For example, if you transfer 50,000 points to British Airways, you'll get 5,000 points back, and if you use 20,000 points to purchase $200 of travel on the Citibank website, you'll get 2,000 points back. This boosts the rewards from the Premier, Prestige, and Double Cash cards by 11%.

Getting Rid of the Card

  • You could lose your ThankYou points when you cancel your card. Any ThankYou points associated with your card will expire 60 days after you cancel. You can transfer them to another person's account, but they will then expire after 90 days. You need to either hold onto your card, product change it to the Citi Rewards+, Citi Custom Cash Card, or Citi Preferred Card, or transfer your points to your favorite travel partner. You can downgrade to the Rewards+ or Custom Cash Card even if you already have one.

    • Note that without a Premier Card (or Prestige Card), you can't transfer your points to travel partners. If you don't have one and you downgrade your card to one of the no-annual-fee options, you'll hold onto your points and can redeem them for 1 cent each, but you'll need to upgrade back or otherwise get one of these cards in the future to regain the ability to transfer your points to partners.

  • Cancelling your card resets the clock for earning another ThankYou point signup bonus. You aren't eligible if you've opened or closed account within the last 24 months. Product changing, rather than cancelling, shouldn't reset the clock. But sometimes it does and there is really no rhyme or reason to it. You should theoretically be able to product change to any other Citibank personal credit card.
  • If you don't already have one, the Rewards+ and the Custom Cash Cards are compelling product change option. The Rewards+ gives you a 10% rebate on the first 100,000 ThankYou points you redeem each year. The Custom Cash Card earns 5x points on up to $500 spend in whichever category you use it for the most each billing cycle. With either card, you aren't missing out on much in the way of a signup bonus, but since you bonuses from the Custom Cash Card don't interfere with bonuses from the other cards, you might want to apply for it directly.
  • You can wait to cancel your card until after the annual fee shows up on your statement. As long as you cancel within 30 days of the statement closing date, Citibank will refund the fee. After 30 days, you can receive a pro-rated refund by downgrading to a lower-priced card, such as the Rewards+.
  • You might be able to receive a retention offer to keep your card. It could be enough to make it worthwhile to keep the card.



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