Charles H. Miller
There are few cards that reward users for having a good life, the Citi ThankYou® Premier Card being one of them. Instead of offering direct cash back, it awards 3x points for any number of travel services that go beyond hotel and airline booking, to also include railways, gas, tolls, and parking. Also users get 2x points on dining and entertainment purchases, and 1x point on everything else. Once earned, these points could be transferred to airline miles or Hilton HHonors points. The card has an annual fee of $95 (waived in the first year) and a variable APR ranging from 14.24% to 23.24%. Here are the details…
Highlights
- 3x points on travel, gas, car service, parking, tolls and railways; 2x points on dining and entertainment; and 1x point on everything else
- Shopping and travel benefits
- 14.24% – 23.24% variable APR
- $95 annual fee, waived in the first year
Highlights
Points: 3x points for every dollar spent on travel services like airfare and hotels, as well as gas, taxi, car service, parking, tolls and railways; 2x points on dining and entertainment; and 1x point on other purchases.
Redeem points: Redeemed for flights at a value of 1.25 cents per point, or transfer points to miles at eleven different airline partners including the Flying Blue program of Air France and KLM, Qantas Frequent Flyer, Singapore Airlines KrisFlyer, and Virgin Atlantic Flying Club. Also points can be transferred to Hilton HHonors points.
Shopping benefits: Extended warranty policy, and purchase protection against theft or damage. Also, you get Citi Private Pass which provides access to VIP packages, presale tickets, dining experiences, and more; as well as Citi Price Rewind program that will automatically issue a refund when a covered purchase experiences a price drop within 60 days (up to $300 per item and $1,200 per year).
Travel benefits: Including trip cancellation and trip interruption coverage, as well as lost baggage protection. Also, there is no foreign transaction fee.
Annual fee: $95, waived in the first year. Not sure what it’s included when there is no any sign up bonus.
Costs
- 14.24% – 23.24% APR
- 3% Balance Transfer Fee ($5 minimum)
- $0 Foreign Transaction Fee
- $95 Annual Fee (waived in the first year)
Pros
- ThankYou® Rewards points are earned for an array of travel services, as well as dining and entertainment. If that’s the category you spend the most of your money — this is the card for you.
- Shopping and travel benefits that will make your purchases that much better. Related to that, there is no foreign transaction fee.
Cons
- No sign-up bonus — and it used to be available. Guess Citi ended-up losing money on that deal. Or something like that.
Is This The Card For You?
The second Citi reintroduces some (solid) sign-up offer, we will start recommending this card. The market for travel cards is super-competitive and we are honestly not sure why Citi decided to drop the mentioned sign up offer. If it also dropped the annual fee, that would be fair. This way we can only suggest you to check some other travel card. Still, if you insist, there’s a link below from where you can get few additional details and perhaps sign up for the Citi ThankYou® Premier Card.
