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Citi has really upped their game this year to compete with American Express and Chase, in particular with their cards which accrue ThankYou points, which is their transferrable points currency.
I’ve written mostly about the Citi Prestige® Card lately, though figured I’d also talk a bit about the Citi ThankYou Premier Card, as it’s a great card for maximizing everyday spend and “pooling” ThankYou points.
Why the Citi ThankYou® Premier Card is also worth considering
What makes this card awesome?
Great sign-up bonus
The card offers a sign-up bonus of 50,000 bonus ThankYou points after spending $4,000 in purchases within three months of account opening.
Just keep Citi’s policy in mind when it comes to applying for new cards:
- You can only apply for one Citi card every eight days
- You can apply for no more than two Citi cards every 65 days
So as long as you wait at least eight days between applications, you should be able to get approved for both cards. I have both cards, and consider them to both be worthwhile.
Great for everyday spend
On top of that, the Citi Premier Card offers better bonus categories than the Citi Prestige Card, as follows:
- 3x points on travel
- 3x points on gas
- 2x points on dining out and entertainment
- 1x point on all other purchases
While the Citi Prestige Card “only” offers 3x points on air travel and hotels, the Citi Premier Card offers triple points on all travel purchases (car rentals, parking, etc.), including gas. That’s a much broader category.
In terms of the potential to accrue points, this card is significantly more lucrative than the Chase Sapphire Preferred (which offers 2x points on travel and doesn’t include gas, and doesn’t offer 2x points on entertainment).
Along with the Amex EveryDay® Preferred Credit Card, this is one of the two cards I put most of my day-to-day spend on. Between the two cards I earn:
- 4.5x points at supermarkets
- 3x points on travel and at gas stations
- 2x points on dining
- 1.5x points on everything else
I’d say that’s a return on everyday spend which is pretty tough to beat.
Stacking the Citi Prestige and Citi Premier
As I said above, you can earn the sign-up bonus on both the Citi ThankYou® Premier Card and Citi Prestige® Card. Just make sure you space out the applications by at least eight days, and don’t apply for more than two Citi cards in a 65 day period.
But the sign-up bonuses aren’t the only potential benefit of having both cards. When it comes to redeeming ThankYou points, you can transfer them to one of Citi’s airline partners, like Air France FlyingBlue, Singapore KrisFlyer, etc., or you can redeem them towards revenue travel on other airlines
The process of redeeming them is pretty straightforward, and can be done directly through Citi’s website.
While I’ve spoken a lot about the Citi Prestige® Card lately, there’s also tons of value to be had with the Citi ThankYou® Premier Card, especially if you’re looking for a card which will help you maximize your return on everyday spend. Like I said, it’s one of the two main cards I use for everyday spend.
Non-Affiliate Product Disclaimer: The information for the AmEx Everyday Preferred has been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.