Citi ThankYou® Premier Card


For People with
Good Credit

REVIEWS

Reviews

The Citi ThankYou Premier Card is a decent travel card, offering 3X ThankYou points per dollar for travel purchases, including gas. It earns 2X ThankYou points per dollar for dining and entertainment.

A signup offer 0f 50,000 bonus points can be earned for spending $4,000 in the first 3 months after account opening, worth $625 when redeemed for airfare or $500 in gift cards.

Cardholders get some basic benefits, like the Citi Concierge and Price Rewind. There are also a variety of shopping and travel protections.

The ThankYou Premier card has a $95 annual fee, waived the first year. There are no foreign transaction fees.

Card Quick Facts

Card Quick Facts

  • 3X ThankYou points per dollar on travel including gas
  • 2X ThankYou points per dollar on dining out and entertainment
  • 1X point for all other purchases
  • 50,000 bonus ThankYou points after $4,000 in purchases within the first 3 months of account opening
  • ThankYou points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
  • Transfer points to a variety of airline and hotel loyalty partners
  • Citi Concierge to call for all kinds of non-emergency assistance
  • Points do not expire and there is no limit
  • $95 annual fee, waived the first year
  • No foreign transaction fees

For People with
Good Credit

REVIEWS

Reviews

Manage My Card

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Card Details

Rewards

Rewards

  • 3X points for every $1 spent on travel, including gas
  • 2X points for every $1 spent on dining and entertainment
  • 1X point for every $1 spent on all other purchases
How to Redeem

Introductory Bonus

  • 50,000 bonus points for spending $4,000 on purchases in the first 3 months of account opening
Card Stats

Card Stats

Annual Fee $95, $0 the first year
Additional Cards Annual Fee $0
Regular Purchase APR 16.49%–25.49% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $2,000
Maximum Credit Limit -
Free Credit Score No
Penalty APR Up to 29.99% Variable
Late Fee Up to $35
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 16.49%–25.49% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Citi Concierge Service

    Access to a personal assistant whenever you’d like, for help in a variety of non-emergency situations.

  • Citi Private Pass

    Access to exclusive events and experiences.

  • FICO® Credit Score

    Check your credit score for free any time you’d like, based on your Equifax credit report.

  • Choose Your Payment Due Date

    Choose to pay your bill in the beginning, middle, or end of the month.

  • Account Alerts

    Get notices about your account details, like balance levels and payment reminders.

  • Virtual Account Numbers

    Get a virtual account number for safer online shopping.

  • Identity Theft Solutions

    Help dealing with issues of identity theft.

  • $0 Liability Fraud Protection

    You are not held responsible for unauthorized transactions on your card.

  • Extended Warranty Protection

    Eligible warranties of 5 years or less can be extended by up to an additional year; up to $10,000 per year.

  • Citi Price Rewind

    If you made a purchase in the U.S. that you find advertised at a cheaper price within 60 days, you can get reimbursed the difference; up to $300 per item, $1200 per year.

  • Purchase Protection

    Purchases are covered for 120 days against theft or damage, up to $1,000 per item; up to $50,000 per year.

  • ShopRunner

    Free two-day shipping and returns at a selection of online retailers.

  • Return Protection

    Provides reimbursement if a merchant refuses to take back an eligible item within 90 days.

  • Travel Accident Insurance

    Get reimbursed up to $250,000 if you or a family member gets in an accident while traveling.

  • Trip Cancellation / Trip Interruption Insurance

    If a trip is disrupted for an eligible reason, provides reimbursement up to $1,500 per year for non-refundable costs.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined; up to $50,000.

Visitor Reviews

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Average rating:  
 2 reviews
by Jon S
Charging interest even with

I signed up for this card approximately 2 months ago and have a balance of ~$3,200. The promo is 50,000 ThankYou points after $4,000 of purchases in the first 3 months. Despite the advertised "15 mo. 0% interest" promo, I was shocked to see a $50 interest charge on my last statement. After calling and my case being submitted to "application review", I received a letter saying that my terms were the best they could offer me at this time. Even the Citi customer service rep stated when I called that she had never seen a promo offer without the 0% introductory offer.I found the initial offer invitation code with the 0% offer and submitted it for review again. Have not heard back yet. VERY SHADY business practices. BE AWARE of this card.

by Saeed Siddiqui
Interest rate.

Horrible card!! Don't fall for low interest rate at sign-up. If you missed or delayed a single payment your interest rate will go up to 24.95% right away. Lies about review and lowering the interest rates once you make payment on time. I have made more than minimum payments for over 3+ years on time and still at 24.95%. You can get a better interest rate at a PAWN shop. Closing it!

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