Citi ThankYou Premier Card

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Citi Premier Card

FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Sadly, this travel card doesn't provide any travel protections.

Card Type: Mastercard World Elite


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

See also: Citi ThankYou Rewards Complete Guide


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.

Overall, 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.

Application Tips

Citi Application Tips

  • 24 Month Rule: To apply for a card within the same brand, must wait 24 months after opening or closing account.

  • Velocity Rules: Max 1 personal card per 8 days. Max 2 personal cards per 65 days. Max 1 business card per 95 days.

  • Get Same Card Again: Citi allows getting same card again (even if card is still open) as long as you follow the 24 month rule and velocity rules (above).

  • Hard inquiries DO NOT combine into 1 when approved same day

Check application status here.
If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business)
If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858

Related Cards (ThankYou Rewards)

Citi ThankYou Preferred Card

No offer at this time

No Annual Fee

Last updated on May 30th, 2018

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