Citibank: Elevate Your Spending Power with Citibank Credit Card Rewards!

Citi offers a diverse array of Citibank Credit Card Rewards options, but not all cards provide access to the company’s valuable Citi ThankYou Rewards program. To unlock the full benefits of the Citi ThankYou Rewards ecosystem, including the ability to transfer points to an extensive network of airline and hotel loyalty programs, you’ll need to hold a premium Citi ThankYou card.

The Citi Premier® Card and Citi Prestige® Card (no longer accepting new applicants) are the two premium Citi ThankYou cards that offer the most comprehensive set of features and redemption options. Whether you’re a first-time credit card applicant or a seasoned rewards enthusiast, one or more cards within Citi’s credit card rewards program lineup may be the perfect fit for your spending habits and financial goals.

This article will delve into the intricacies of the Citi ThankYou Rewards program, exploring the various Citi credit cards that earn Citi ThankYou Points and examining the diverse ways you can redeem these rewards for maximum value, including travel rewards, cash back, and more.

Introduction to Citibank Credit Card Rewards

Citi ThankYou Rewards points are a versatile currency that can be redeemed in various ways, including transferring to airline and hotel loyalty programs, booking travel through the Citi Travel portal, or redeeming for statement credits, gift cards, and other rewards. The value of Citi ThankYou points can vary depending on how they are redeemed, with the potential for higher value when transferred to travel partners. To access the full range of Citi ThankYou Rewards redemption options, including transfers to the program’s 18 airline and hotel partners, you’ll need to hold a premium Citi ThankYou Rewards card like the Citi Premier® Card or the Citi Prestige® Card (no longer accepting new applicants).

Best Citibank Credit Cards for Earning Rewards

Citi offers a diverse range of credit cards that provide access to the valuable Citi ThankYou Rewards program. Whether you’re looking to maximize your rewards on everyday purchases or unlock premium travel benefits, Citi has several standout options to consider.

Citi Premier® Card

The Citi Premier® Card is a premium Citi ThankYou Rewards card. That offers a generous sign-up bonus and impressive earning rates. Cardholders can earn 60,000 Citi ThankYou Points after spending $4,000 on purchases within the first 3 months of account opening. The card earns 3 points per $1 spent at restaurants, supermarkets, gas stations, air travel, and hotels. And 1 point per $1 on all other purchases. Additionally, through June 30, 2024, the Citi Premier® Card earns 10 points per $1 spent on hotels, car rentals. And attractions booked through the Citi Travel portal. This card has a $95 annual fee.

Citi Rewards+® Card

The Citi Rewards+® Card is a non-premium Citi ThankYou Rewards card that offers a unique rounding-up feature. It earns 2 points per $1 spent at supermarkets and gas stations (up to $6,000 per year in purchases. Then 1 point per $1) and 1 point per $1 on all other purchases. The Citi Rewards+® Card has no annual fee.

Citi Double Cash® Card

The Citi Double Cash® Card is a straightforward cash back credit card that earns 2% cash back on all purchases (1% when you buy, 1% when you pay your bill). This makes the Citi Double Cash® Card a valuable addition to a Citi ThankYou Rewards credit card portfolio. The Citi Double Cash® Card has no annual fee.

Citi Custom Cash® Card

The Citi Custom Cash® Card is a unique offering that earns 5% cash back in the eligible category where you spend the most each billing cycle (up to $500 in purchases, then 1% back). The eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, and home improvement stores. The card earns 1% cash back on all other purchases. The Citi Custom Cash® Card has no annual fee.

Earning Citibank ThankYou Rewards Points

The Citi ThankYou Rewards program allows cardholders to earn valuable points through various Citi credit cards. To unlock the full range of redemption options, including transfers to the program’s 18 airline and hotel partners. You’ll need to hold a premium Citi ThankYou Rewards card such as the Citi Premier® Card. Or the Citi Prestige® Card (no longer accepting new applicants).

If you have non-premium Citi ThankYou Rewards cards like the Citi Rewards+® Card, Citi Double Cash® Card, or Citi Custom Cash® Card, you’ll earn “basic” ThankYou points that are worth a flat 1 cent each when redeemed for cash, gift cards, and other rewards. However, you can combine your “basic” ThankYou points into a premium Citi ThankYou Rewards account to unlock the ability to transfer to the program’s airline and hotel partners at the best transfer ratios.

By strategically using a combination of premium Citi ThankYou Rewards cards and non-premium Citi ThankYou Rewards cards, you can maximize your earning of Citi ThankYou Points and unlock the full potential of the Citi ThankYou Rewards program.

Citibank Credit Card Rewards

Citi ThankYou Rewards points are a versatile and valuable currency that can be earned through various Citibank Credit Card Rewards programs. The Citi ThankYou Rewards program offers a wide range of rewards redemption options, including transferring points to 18 airline and hotel loyalty programs, booking travel through the Citi Travel portal, and redeeming for statement credits, cash rewards, and gift cards.

To access the full range of Citi ThankYou Rewards redemption options, including transfers to the program’s airline and hotel partners. You’ll need to hold a premium Citibank Credit Card Rewards card like the Citi Premier® Card. Or the Citi Prestige® Card (no longer accepting new applicants).