Citi Premier Card Calculator

Review the benefits of the Citi Premier Card, calculate how many ThankYou Points you can earn based on spend, and compare results against top cards.
Last Updated: 2020-08-24

The Citi ThankYou Premier Card is a ThankYou Point earning credit card offered by Citi Bank. The card offers a great return across five categories and offers a $100 credit when you spend $500 or more on a hotel stay using the ThankYou portal. It's a great alternative to the Citi Prestige Card if you're not looking for a premium travel card.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Citi ThankYou Premier Card features five bonus categories which are airfare, hotel, gas station, supermarket, and restaurant. Spending in these five 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 and no limit to the amount of ThankYou Points you can earn with the card overall.

  • 3x Airfare
    • Applies to airfare booked direct and airfare booked through travel agencies which includes the ThankYou.com portal.
  • 3x Hotel
    • Applies to hotels booked direct and hotels booked through travel agencies which includes the ThankYou.com portal.
  • 3x Gas Station
    • Will not typically trigger at gas stations with warehouse clubs, discount stores, and other merchants that do not use the gas station merchant code.
  • 3x Supermarket
    • Does not apply to warehouse clubs, wholesale clubs, and other merchants that does not code as supermarket.
    • Some online supermarkets may qualify, but it will still need to code as a supermarket purchase.
  • 3x Restaurant
    • Includes cafes, bars, lounges, fast food, fine dining, and take out.
  • 1x Non-Category

For non-category purchases, you'll want to pick up the Citi Double Cash Card. Cash back can be converted to ThankYou Points at a 1 cent for 1 point ratio meaning you can earn an unlimited 2x ThankYou Points on all spend ran through the Citi Double Cash.

Perks & Benefits

The Citi Premier Card features a $100 annual credit along with the ability to transfer points to partners.

  • $100 Annual Credit
    • Receive a $100 credit on any $500+ hotel stay booked through the ThankYou.com portal.
  • Citi ThankYou Points Transfer

Sign Up Bonus

The Citi ThankYou Premier Card standard sign up bonus is 60,000 points after making $4,000 in purchases with your card within the first 3 months of account opening. This is worth an easy $600 when redeemed with Citi for travel through Citi's Thankyou.com Portal. You can also transfer these points to airline partners to get 60,000 airline miles with most of the airlines.

Fees

Annual Fee

The Citi ThankYou Premier Card annual fee is $0 the first year, then $95. The 3x earnings on this card has lots of earning potential. The $100 annual credit featured on the card is also a great benefit that can easily wipe out the fee assuming you can use it. Lastly, you'll need this card if you're transferring points to partners. Pair it with the Citi Double Cash and you'll be earning 2x-3x on all purchases.

Authorized User Fee

There is no fee to add additional users to the Citi ThankYou Premier Card. Since this card features great everyday categories, I recommend adding friends and family as authorized users to help 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. That makes this card a great option for international spend and travel.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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 other rewards card side-by-side by clicking on the Compare A Card button.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Categories
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Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.
$0

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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