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|Card / Notes||Bonus / Annual Fee|
| Citi ThankYou® Premier Card|
Earning rate: 3X travel and gas; 2X dining and entertainment
Noteworthy Perks: With this card, ThankYou points become worth 1.25 cents each towards travel; or transfer points to airline partners
|50K after $4K spend in 3 months
Annual fee waived first year, then $95
FM Mini Review: Very strong earnings for spend.
The Citi ThankYou Premier card arguably offers one of the best collections of travel related category bonuses: Earn 3X points for all travel, 3X for gas, and 2X for dining and entertainment. It is also the best card to use for redeeming ThankYou points for non-airfare travel since it offers 1.25 cents value towards hotels, cruises, etc. The higher-end Citi Prestige card has fewer 3X categories and only offers 1 cent per point value when redeeming for non-airfare travel.
If you’re looking for a single great travel rewards card, the Citi Premier card ought to be considered. Personally, I prefer the Chase Sapphire Reserve Card, but the Citi Premier has some advantages over Chase’s card: lower annual fee, no fee for authorized users, 3X gas and 2X entertainment.