Citi ThankYou® Premier Card

Apply by phone: 800-817-2054
  • Earn 50,000 bonus points after spending $4,000 in purchases within the first 3 months of account opening*
  • 50,000 ThankYou® Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou Travel Center or $500 in gift cards when redeemed at thankyou.com
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline and hotel loyalty programs
  • No Foreign Transaction Fees on purchases*    
Annual Fee:
$0 intro, $95 after first year
Purchase Intro APR:
N/A
Purchase Regular APR:
15.49% - 24.49%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
15.49% - 24.49%*
Variable

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 26.24%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee Up to $35
Penalty APR Up to 29.99%* Variable
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 0%
Return Payment Fee Up to $35

Rewards

Sign-Up Bonus

Earn 50,000 points after you spend $4,000 in 3 months.

All Purchases

1 point per dollar

No cap on spending

Gas

3 points per dollar

Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases

Restaurants

2 points per dollar

Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases

Entertainment

2 points per dollar

Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
WiseSpending
Good with limitations
by WiseSpending
Helpful to 1 out of 1

I received in the mail an offer for 50k points after $3,000 spend. With a credit score of 729 from Transunion and 745 from the other credit agencies, I decided to apply and was accepted. The card feels like it was cheaply made and the USA transfer airline partners are limited to only JetBlue.  However, the card earns lots of points easily, especially on gas and sporting events.  It also works great in economically strong Asian countries since Citi has a strong footprint in places like Singapore, Taiwan, South Korea, China, and Japan.  I would only advice USA applicants to apply for this card if they fly Jetblue often and have plans to visit economically dominate Asian countries.  

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
WiseSpending
Good with limitations
by WiseSpending
Helpful to 1 out of 1

I received in the mail an offer for 50k points after $3,000 spend. With a credit score of 729 from Transunion and 745 from the other credit agencies, I decided to apply and was accepted. The card feels like it was cheaply made and the USA transfer airline partners are limited to only JetBlue.  However, the card earns lots of points easily, especially on gas and sporting events.  It also works great in economically strong Asian countries since Citi has a strong footprint in places like Singapore, Taiwan, South Korea, China, and Japan.  I would only advice USA applicants to apply for this card if they fly Jetblue often and have plans to visit economically dominate Asian countries.  


Our Take

If you’re looking for credit card rewards, the Citi ThankYou® Premier Card is a pretty appealing option.

What to Like

There are a lot of ways to earn rewards here. Spending $4,000 in purchases in the first 3 months of account opening can net cardholders 50,000 bonus points. Cardholders can also get 3x points on travel purchases, including gas, and 2x points on dining out and entertainment purchases. The Citi ThankYou® Premier Card also comes with no foreign transaction fee on purchases.

Look Out For

There’s a $95 annual fee, though it is waived for the first 12 months. There’s also no intro APR on purchases or balance transfers.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from February 2017 through July 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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