after qualifying purchases
Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening -redeemable for $500 in gift cards, $625 for airfare, or other great rewards.2
Purchase APR 13.99% - 22.99% variable APR based on your creditworthiness.1
Annual Fee $95 (Fee waived for the first 12 months)1
3X ThankYou Points on Travel including Gas2
2X ThankYou Points on Dining Out and Entertainment2
1X ThankYou Points on Other Purchases2
No foreign transaction fees on purchases1
Transfer points to a variety of travel loyalty programs from airlines to hotels.2
Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening.
Bonus ThankYou Points not available if you have had a Citi ThankYou Premier card opened or closed in the past 18 months.2
No expiration and no limit on the number of points you can earn.
Redeem ThankYou Points for almost anything, from a large selection of gift cards including dining, entertainment and retail – to an amazing selection of valuable rewards such as electronics, travel rewards, home goods, books and media, charitable donations or even cash.
Enjoy two simple ways to redeem your points for the rewards you want. You can either visit thankyou.com where your rewards are just a few clicks away, or you can redeem points by calling 1-800-THANKYOU (1-800-842-6596).
3 ThankYou Points per $1 spent on travel including gas, airfare, hotels, cruises, car rental agencies, travel agencies, railways, public transportation, tolls, taxis, parking and much more.2
2 ThankYou Points per $1 spent on dining out and entertainment.2
1 ThankYou Points on other purchases2
ThankYou® Points are worth 25% more when redeemed for airfare, hotels, cruises and car rentals through the ThankYou® Travel Center, as compared to gift cards.
Transfer points to a variety of travel loyalty programs from airlines to hotels.2
Citi® Private Pass®2
Citi® Private Pass® gives you special access to purchase tickets to great concerts, dining experiences, sporting events, theatrical performances and more. From VIP packages to presale tickets to entertainment events, you can be where the action is with Citi Private Pass.
Personal Concierge Service
Your Concierge Service Representative will book flights or hotel rooms, and make restaurant reservations. You can even get help purchasing the perfect gift. No request is too big or small when you have 24/7 access to personalized service anywhere in the world.
Add an authorized user to your account and earn points faster. After all, the benefits of this card are so amazing they're worth sharing.
Manage Your Account Online and On The Go
Enjoy 24/7 access to your account online. Check your balance, view transactions, and even make a payment using free online and mobile banking tools. Get free accounts alerts delivered right on your mobile device.
Choose your Payment Due Date
Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
$0 Liability on Unauthorized Charges
You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise.
Citi® Price Rewind
Shop now. We'll search for a lower price after you buy. If the same item is found at retailers' sites within 60 days, you can be refunded the price difference up to $300 per item, and up to $1,200 per year.
Citi with Apple Pay™ is another way Citi provides quick and easy payments. With a simple touch you can pay in-app or at over 200,000 stores with the iPhone® 6, or in-app with the iPad Air™ 2 and iPad mini™ 3. Plus, youll still enjoy all of the security and benefits that come with your Citi card when you use Apple Pay to check out. Learn more at
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Add up to a year on your warranty of five years or less so you can feel more confident when you make purchases with your Citi card. You're covered for up to $10,000 per year.
EMV Chip Technology
Enjoy global acceptance and enhanced security when you use your credit card at merchants that use chip enabled terminals to accept your payment.
Worldwide Car Rental Insurance
Be more confident at the rental car counter — you may be covered against theft or damage up to $100,000 for any rental car in any country when you pay with your Citi card and decline the rental company's collision loss/damage insurance.
Lost Baggage Protection
Say goodbye to baggage worries. You're covered up to $3,000 per person, per trip ($2,000 per person, per bag, per trip for New York residents) if items are lost, stolen or damaged by the common carrier on a trip you paid with your Citi card.
Trip Cancellation & Interruption Protection
Travel plans can go awry for many reasons. If certain unforeseen events get in the way of your trip, you may be reimbursed for non–refundable trip expenses, like change fees, up to $5,000 per year provided you paid for the trip with your Citi card.
Travel & Emergency Assistance
If you need assistance before or during a trip, services are available 24/7 for emergency travel arrangements, travel issues, medical and legal referrals and much more. You won't have to scramble to find services close to your location or worry about asking for help when you don't speak the language.
Worldwide Travel Accident Insurance
Travel with more peace of mind when you pay for your trip with your Citi card. Worldwide Travel Accident Insurance is a type of coverage that you hope to never need, but it may offer some financial help to you or your loved ones if a tragic accident does occur, up to $500,000 in compensation.
Not all benefits are available to residents outside of the 50 United States and the District of Columbia. Complete program details including Who's Covered, What's Covered, What's Not Covered and coverage amounts will be provided upon cardmembership.
Earn 50,000 Bonus ThankYou® Points
Bonus ThankYou Points can be earned by new Citi ThankYou® cardmembers approved through this offer. Earn 50,000 bonus points after you make $3,000 in purchases within the first 3 months of account opening. Bonus ThankYou points are not available if you have had a Citi ThankYou Premier card opened or closed in the past 18 months.
You will earn 3 ThankYou Points per dollar you spend on purchases for travel including gas and 2 ThankYou Points per dollar you spend on purchases on dining out and entertainment.
We do not determine how merchants or establishments are classified. Merchants who accept Visa® / MasterCard® credit cards are assigned a merchant code based on the merchant's primary line of business and the kinds of products and services they sell.
Sometimes a merchant will sell a particular item that appears to fit within the stated qualifying category, but that merchant may not have a merchant code that fits within that category. Therefore purchases with that merchant will not qualify for the stated rewards offer on category purchases. Citi® reserves the right to determine which purchases qualify for this offer. Purchases not eligible to receive the additional ThankYou Points include; but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. However, you will earn additional ThankYou Points on gas purchases made at warehouse clubs and convenience stores.
Airlines are classified as merchants that provide air travel. Hotels are classified as merchants that provide sleeping or meeting room accommodations, and may include goods and services that are on a bill for these accommodations by a hotel, motel or inn. Car rental agencies are classified as merchants that provide short–term or long–term rentals of cars. Travel agencies are classified as merchants that provide travel information and booking services, and include travel aggregators and tour operators. Gas Stations are classified as merchants that sell fuel for consumer use and may or may not be attended. Commuter transportation is classified as merchants that provide suburban and local mass passenger transportation over regular routes and on regular schedules, including ferries, commuter railways and subways. Taxi/limousine are classified as merchants that provide passenger transportation services for hire and includes horse–drawn cabs and carriages, bicycle taxis, aerial tramways, airport shuttles or cable cars. Passenger railways are classified as merchants that primarily provide long–distance transportation and may include overnight accommodations on the train. Cruise lines are classified as merchants that provide passenger transportation on the open sea or inland waters for the purpose of vacation or pleasure and operate predefined and advertised routes. Bridge and tolls are classified as merchants who collect fees associated with toll roads, highways and bridges. Parking lots/garages are classified as merchants that provide temporary parking services for automobiles, usually on an hourly, daily or monthly contract or fee basis. Campgrounds and trailer parks are classified as merchants that provide overnight or short–term campsites for recreational vehicles, trailers, campers, or tents. Timeshares are classified as retailers that sell, lease, and rent timeshare real estate and arrange timeshare condominium exchanges. Bus Lines are classified passenger bus transportation services that operate on a regular schedule over predetermined routes. Motor Home and Recreational Vehicle Rental are classified as merchants that rent motor homes, RVs, pop–up campers, tent trailers, and other recreational vehicles on a daily, short–term, or extended–term basis. Boat Leases and Boat Rentals are classified as merchants that primarily provide boat rental and leasing services, including fishing boats, non–crew houseboats, sail boats, powerboats, jet skis, and yachts. Restaurants are classified as dining establishments that primarily prepare food and drinks for immediate consumption by consumers, either on the merchants premises or packaged for takeout, and include bars, cocktail lounges, discotheques, nightclubs, taverns and fast food restaurants. Sports promoters are classified as merchants that operate and promote live sporting events (professional or semi–professional), and may also include sports stadiums. Theatrical promoters are classified as merchants that operate live theatrical productions or concerts, and include ticketing agencies. Movie theaters are classified as establishments that sell tickets and refreshments for movie productions. Amusement parks (including zoos, circuses and aquariums) are classified as establishments that operate parks or carnivals and offer mechanical rides and games and/or live animal shows. Tourist attractions and museums (including art galleries) are classified as establishments that operate attractions and exhibits for tourists. Record stores are classified as establishments that sell CDs and related items, including online record stores. Video rental stores are classified as merchants that rent DVDs and/or games and related equipment for consumer use, including online video rentals.
Citi® Private Pass®
Offers on Citi Private Pass are available to Citi credit card members and Citibank Debit MasterCard customers. Some restrictions apply. See citiprivatepass.com for specific offer details and information. Citi is not responsible for products or services offered by other companies.
You will need an account with one of the participating loyalty programs in order to transfer points. Following a transfer of ThankYou® Points the resulting reward currency will be subject to the terms and conditions of the applicable Travel Loyalty Program. Timing of posting may vary depending on the Travel Loyalty Program and may take as long as 14 days to process. A submitted request to transfer Points may not be canceled and the Points in a submitted request may not be returned to your ThankYou Account. Thank You Rewards is not responsible for, or affiliated with, the Travel Loyalty Programs. Citi makes no representation regarding travel services provided by any of the Travel Loyalty Programs. Additional ThankYou terms and conditions apply and are available at https://www.thankyou.com/tc.jspx
Citi® Cards with Apple Pay™
Apple Pay is only available on Citi-branded consumer credit and debit cards (except for ATM, Chairman, and AT&T cards) issued in the continental U.S. and Hawaii.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.
Credit Cards / Citi ThankYou® Premier Card