Citi ThankYou Premier Card

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Card Details and Application Link
Citi Premier Card
80K points
80K points after $4K spend in the first 3 months
Click here to learn how to apply

$95 Annual Fee

Recent better offer: None. This matches the best offer we've ever seen.

FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash and Citi Rewards+. Sadly, this travel card doesn't provide any travel protections.

Card Type: Mastercard World Elite


Earning rate: 3X grocery ⚬ 3X dining ⚬ 3X gas stations ⚬ 3X flights, hotels, travel agencies

Noteworthy perks: Transfer points to airline partners ⚬ $100 Annual Hotel Savings Benefit

See also: Citi ThankYou Rewards Complete Guide

Application Tips

Citi Application Tips

  • 24 Month Rule (ThankYou Cards): To get bonus on any ThankYou card, you must wait 24 months after receiving a new cardmember bonus or closing any ThankYou card account. Applies to Preferred, Premier, Prestige, and Rewards+.
  • 24 Month Rule (Expedia Cards): To get bonus on any Expedia card, you must wait 24 months after opening or closing any Expedia card account.
  • 48 Month Rule (AA Cards): With Citi AA cards, you have to wait 48 months after receiving a bonus for the same exact card.
  • 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 or 48 month rules 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)

Card Offer
Citi Premier Card
80K points
80K points after $4K spend in the first 3 months

$95 Annual Fee

Recent better offer: None. This matches the best offer we've ever seen.

Citi Custom Cash Card
20K Points
20K points after $750 spend in the first 3 months

No Annual Fee

Recent better offer: None

Citi Rewards+ Card
20K points
20K points after $1.5K spend in 3 months

No Annual Fee

Citi Double Cash Card

Recent better offer: None

Citi Rewards+ Student Card
This card is not currently available to new applicants.

No Annual Fee

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Alex Z.

Just for the DP:
Applied online and got an instant denial.
After several days they sent me an encrypted email that said:
“Your credit report shows a high amount of unused credit compared to your available credit lines.
Your credit report shows too many bank or national revolving accounts.”
Too me it sounds like: “Your credit is too good”, wtf really ?
Didn’t open CCs for over a year, leased a new car in August they hit my report 2-3 times, that’s about it. CS is over 800. And yes, I have many CCs, about 15.
Also the interesting thing is that they mentioned my CS in 4-digits number, not 3 like we all got used to.

Last edited 6 months ago by Alex Z.

I saw a post on Award Wallet saying this was “ending soon.” Do you have any info on when this is ending? Or is that just a clickbaity type of headline trying to spur signups?


Strange thing happened when I applied. I was denied because I had too many “inquiries” when they looked at my credit via Experian. I had just put in an application with Chase about 10 minutes prior. No other inquires for over 2 years. This was a hard stop for Citi, and they would not reconsider even given my 20 year relationship with them. Seems harsh.


First – thanks for all the information you post here, what a great job you have. We have been able to take several European vacations with the kids that we otherwise wouldn’t have been able to without the information, tips, and knowledge you post.

The annual fee on my Citi Premier card falls due this month and for me there are no card benefits worth the fee. As I see it there are two options. One, transfer my points to an airline partner. Not terrible as the miles will eventually be used, but locks me into that specific airline.

Two, downgrade to a Citi card with no annual fee and keep those points alive. The problem is I don’t see any Citi card option that has no annual fee, where the transferred points don’t expire, and where I can still transfer those points to a partner airline down the road. Am I missing something?

Nick Reyes

Yup – downgrade to a Rewards+. I think you can also still downgrade to a Thank You Preferred. Then, if you want to transfer to airlines in the future, simply upgrade to the Premier again (or open a Premier again if eligible for the welcome bonus again).


Thanks Nick.


Its been over 24 months that I have received a Welcome bonus on the Citi Prestige card but since then I have been able to product change an AA Platinum to a Prestige and was approved for an additional Prestige. Today I was approved for a Premier 24 months after receiving the bonus. Should I expect to receive the bonus?


How is the 24 month rule applied? Is it that you cannot have opened or closed within 24 months of being approved or within 24 months of completing the requirement or of the bonus posting. (Can I apply for a Premier and if approved cancel my Prestige or do I have to wait for the bonus to post to cancel?)

[…] 24 month restrictions against getting a bonus for the same or a similar card.  For example, the Citi Premier bonus has this […]

Captain Greg

To be clear, product changing (say, from a premier to a rewards+) does not count against the 24 month ThankYou card signup bonus rule, right?

Captain Greg

Interesting. I wonder if this is consistent – like if one person changes from a premier to a prestige without the number changing, then it is true for everyone – or if it’s random (two different people could switch from a premier to a prestige, but one keeps the same number while the other gets a different one). Do you know?

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Received a pre-selected 50K offer in the mail today 4/27/17.

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