ThankYou Point Calculators - Citi Premier Card

Citi ThankYou Premier Card

3x Travel
2x Dining
2x Entertainment

Calculate how many ThankYou Points you can earn and the cash value of the Citi Premier Card based on monthly/yearly spend, benefits, and the fee. Compare the results side by side against top rewards cards. Any spend you enter in the credit card calcuator will carry over to all credit card calculators on the site.


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The Citi ThankYou Premier Card is a ThankYou Point earning credit card offered by Citi Bank. The card offers a solid return in the categories of travel, dining, and entertainment. It's a step up from the Citi Rewards+ Card and a step below the luxury Citi Prestige Card. The Premier Card is considered a premium card meaning you can transfer points to Citi's airline travel partners.

Bonus Categories

The Citi ThankYou Premier Card features three bonus categories which consist of travel, dining, and entertainment. Spending in these three categories with the Premier Card will earn bonus ThankYou Points. There is no limit to the amount of ThankYou Points you can earn spending in these categories.

3x Travel

Spending in the travel category with the Citi ThankYou Premier Card will earn you 3 ThankYou Points per dollar spend on all purchases. Citi has a very relaxed definition of travel which can be key in earning a great deal of points. Citi considers the following to be considered travel purchases:

  • Airlines
  • Hotels
  • Car rental agencies
  • Travel agencies/travel aggregators/tour operators
  • Gas stations, commuter transportation
  • Ferries
  • Commuter railways
  • Subways
  • Taxis/limousines/car services
  • Passenger railways
  • Cruise lines
  • Bridge and road tolls
  • Parking lots/garages
  • Campgrounds and trailer parks
  • Timeshares
  • Bus lines
  • Motor home/recreational vehicle rentals
  • Boat leases and rentals

Citi does considers non-qualifying travel purchases as recreational camps, insurance companies, auto clubs, fuel used for non-automobile purposes, and real estate agencies, and gas purchases made at warehouse clubs, discount stores, department stores and convenience stores.

This 3x ThankYou Point bonus in travel, in my opinion, is better than the few travel categories issues by the Citi Prestige Card due to it's very broad definition. The Chase Sapphire Reserve Card also offers 3x on both travel and dining. Chase has a similar 'loose' definition of travel that can assist in earning Ultimate Rewards Points which are worth 1.5 cents for Sapphire Reserve Card holders.

2x Dining

The Citi Premier Card earns 2 ThankYou Points per $1 spent on dining purchases which equals a solid return of 2.5% since ThankYou Points are valued at 1.25 cents when you are a cardholder. Citi considers dining to include cafes, bars, lounges and fast food restaurants. Purchases made at bakeries, certain restaurants/cafes inside department, grocery or warehouse stores will not qualify.

When it comes to earning ThankYou Points, this is the highest amount you can earn across their main three ThankYou cards since they all offer 2x dining. In terms of return, there are a few card thats can do better in this category including the Barclay Uber Card which offers 4% cash back on restaurants, bars, and UberEats and the Capital One SavorOne Card which earns 3% cash back in both dining & entertainment and 2% back on grocery.

2x Entertainment

2 ThankYou Points per $1 spent will be earned when using the Citi ThankYou Premier Card. Similar to travel, Citi has a wide definition of what qualifies as entertainment as well. Citi considers the following to be entertainment:

  • live entertainment
  • live theatrical productions
  • concerts
  • live sporting events
  • movie theaters
  • amusement parks (including zoos, aquariums, circuses and carnivals)
  • tourist attractions (including museums, and art galleries)
  • record stores
  • video rental stores
  • on-demand internet streaming media

Citi considers non-qualifying entertainment purchases as sporting camps, public and private golf courses, country clubs (including membership fees), stores that sell musical instruments, video game arcades, bowling alleys, stores that primarily sell video games/accessories, charitable organizations that provide live entertainment, bookstores, and sports complexes where you participate in the sport.

As stated above, the Capital One Savor Card earns 3% cash back on both entertainment and restaurant purchases and comes with no annual fee which gives it a solid advantage over the Citi Premier Card. This is the highest amount of ThankYou Points you can earn spending in this category across the ThankYou Point earning credit cards.

1x Non Category

Spending outside of the three categories listed above will only net you 1 ThankYou Point per $1 spent. Since ThankYou Points are worth 1.25 cents, you're looking at a return of 1.25% per $1 spent. If you're looking for ThankYou Points, this is the best you can do. In terms of return, any 1.5% or higher cash back card can do you better. Some cards to look at would be the Citi Double Cash Card (2% Cash Back, no annual fee) or the AMEX Blue Business Plus Card (Double Membership Reward Points, no annual fee).

Perks and Benefits

Citi ThankYou Points Transfer

The Citi ThankYou Points Transfer perk allows you to transfer your qualifying and available ThankYou Points to participating airline loyalty programs. This includes JetBlue Airways TrueBlue, Virgin Atlantic Flying Club and Singapore Airlines KrisFlyer to name a few. There is no fee to transfer points and the minimum transfer is only 1,000 points.

Sign Up Bonus

The Citi ThankYou Premier Card sign up bonus is 50,000 points after making $4,000 in purchases with your card within the first 3 months of account opening. This is worth $625 when booked with Citi's ThankYou Travel Center since the ThankYou Point value increases by 25%. On the low end, this bonus is worth $500 when redeemed for other rewards such as gift cards (ThankYou point value of $0.01).

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Citi ThankYou Premier Card annual fee is $0 the first year, then $95.

Authorized User Fee

There is no fee to add additional users to the Citi ThankYou Premier Card. Since this card has relaxed definitions of both travel & entertainment and restaurant is a common category, I'd recommend adding friends and family as authorized users in order to build ThankYou Points faster.

Foreign Transaction Fee

The Citi ThankYou Premier Card does not have a foreign transaction fee meaning you can use this card worldwide without worrying about being penalized.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-08-21

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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