Citi ThankYou Rewards is an excellent (and often underrated) credit card rewards program. While it’s not as popular as other programs, such as Chase Ultimate Rewards or American Express Membership Rewards, the Citi ThankYou Rewards program has some hidden gems.

Among many points and miles enthusiasts, the Citi ThankYou Rewards program is known as the home of the Citi trifecta, a low-cost credit card strategy that involves the Citi Strata Premier℠ Card, the Citi Custom Cash® Card and the Citi Double Cash® Card.

ThankYou® Points are the currency of the Citi ThankYou® Rewards program, which is one of the major flexible rewards programs in the United States. With the Citi ThankYou® Rewards program, cardholders can use points in several ways, such as redeeming for cash back or statement credits, making purchases at select retailers, buying gift cards, booking travel through Citi Travel℠ or transferring points to partner loyalty programs.

The primary way to earn ThankYou® Points is through welcome bonuses and spending on select Citi credit cards.

Whether you’re just getting started earning points and miles or are looking for opportunities to earn more flexible currency, the Chase Sapphire Preferred® Card and the Citi Strata Premier℠ Card are valuable credit cards that you might want to add to your wallet.

Similarities between the two cards include:

Both cards earn flexible currency that can be transferred to airline and hotel partners and used in other ways, including cash back and gift card redemptions.

Both cards have a $95 annual fee.

Neither card has foreign transaction fees, making the cards good choices for international use.

These credit cards

Editor's note: In late October 2024, Finnair dramatically increased award prices for flights within the continental U.S. and Canada. Economy award rates increased from 11,000 Avios to 16,500 Avios, and first-class rates increased from 30,000 Avios to 40,000 Avios. This article references the rates in effect when the article was written and published, but current rates are 16,500 Avios for economy and 40,000 Avios for first.

Sometimes we find ourselves in situations where our points and miles don’t align with flights we want to book.

The Citi ThankYou® Rewards program allows eligible bank or credit card customers to earn ThankYou Points—a flexible rewards currency—on purchases made with certain Citi credit cards. Although the Chase Ultimate Rewards and American Express Membership Rewards programs both offer more cards that earn their respective currencies, Citi ThankYou Points are still valuable and easy to earn. 

You can earn Citi ThankYou Points by opening new credit cards to earn their welcome bonuses and paying for everyday purchases with an eligible credit card.

Adding an authorized user to your credit card can be a win-win situation.

You’ll rack up points and earn welcome bonuses faster, while they’ll build their credit history, enjoy cardholder perks and pay a much-reduced annual fee (if any!).

Yet, just as choosing the right credit card for yourself can be challenging, so too can identifying the best card for you and an authorized user. Not every card offers the same benefits to the authorized user as it does the primary cardholder.

The Citi® / AAdvantage® Executive World Elite Mastercard® is the top-tier credit card in the Citi® / AAdvantage® family. This card has been a great selection for American Airlines loyalists for years because of its premium travel perks and access to the coveted Admirals Club collection of airport lounges. 

However, Citi and American Airlines announced some major changes to this card.

If you’re currently a holder of the Citi® / AAdvantage® Executive World Elite Mastercard® or the Citi® / AAdvantage® Platinum Select World Elite Mastercard, you might want to reassess whether the annual fee you’re paying is worth the benefits that you’re receiving. 

Many people have chosen to downgrade their Citi AAdvantage cards to the Citi® Double Cash Card to avoid paying an annual fee, especially during the

It seems like every few days now we're writing about updated product offers. What an exciting time in the world of points and miles.

Citi has updated the Citi Premier Card with a new welcome offer of 80,000 ThankYou Points after spending $4,000 in purchases within the first three months. This is the best ever welcome bonus on this product that we’ve seen and a significant bump from the standard 60,000 ThankYou Points offer. 

Citi ThankYou Points are often overlooked in favor of Membership Rewards or Ultimate Rewards, but they shouldn’t be ignored.

The Citi ThankYou Premier Card is now offering 60,000 bonus ThankYou Points after $4,000 in purchases within the first 3 months of account opening. For the majority of 2016 the ThankYou Premier had no sign up bonus whatsoever, then Citi came back with 40k points for a $3k minimum spending requirement bonus in December 2016. Since then we’ve seen the bonus fluctuate between non-existent to typically no higher than 50k. 60,000 ThankYou Points is the biggest bonus the card has ever offered.