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Citi is currently offering a welcome bonus on the Citi® Double Cash Card, but other than that, the current ThankYou® Points bonuses are the business-as-usual bonuses that we usually see on these cards.
Current Citi ThankYou® Points welcome bonuses at a glance
Here are the current credit card welcome bonuses that earn ThankYou® Points.
| Citi ThankYou® Rewards credit card | Welcome bonus | Card at a glance |
|---|---|---|
 Citi Rewards+® Card Annual fee: $0 | bonus_miles_full Jump to this welcome bonus. | Rewards: 5x on hotels and car rentals booked through Citi Travel through June 30, 2024. 2x at supermarkets and gas stations for the first $6,000 per year, then 1x. 1x on other purchases. |
 Citi Premier® Card Annual fee: $95 | bonus_miles_full Jump to this welcome bonus. | Rewards: 10x on hotel and car rentals booked through the Citi travel portal through 6/30/2024. 3x on other hotel purchases, air travel, restaurants, supermarkets, gas stations. 1x on all other purchases. |
 Citi Custom Cash℠ Card Annual fee: $0 | bonus_miles_full The Citi Custom Cash℠ Card is marketed as a cash back card, but earns ThankYou® Points. Jump to this welcome bonus. | Rewards: 5% on the first $500 in monthly purchases in your top eligible category. 1% everywhere else. |
  Citi® Double Cash Card Annual fee: $0 | bonus_miles_full The Citi® Double Cash Card is marketed as a cash back card, but earns ThankYou® Points. Jump to this welcome bonus. | Rewards: 2% – 1% when you buy and 1% when you pay |
More about the Citi ThankYou® Points welcome bonuses
Here’s a bit more about each one of these credit card welcome bonuses that earns ThankYou® Points.
Citi Rewards+® Card welcome bonus
Citi Rewards+® Card welcome bonus:
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All information about the Citi Rewards+® Card has been collected independently by cardsandpoints.com.
Click here to learn more and apply.
Our take on the welcome bonus: Last year, Citi offered a slightly higher bonus on this card, but that doesn’t happen often. It’s probably not worth waiting for a larger bonus that is likely to amount to just 5,000 additional points.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
Citi Rewards+® Card at a glance:
Annual fee: $0
Rewards: 5x on hotels and car rentals booked through Citi Travel through June 30, 2024. 2x at supermarkets and gas stations for the first $6,000 per year, then 1x. 1x on other purchases.
About the Citi Rewards+® Card
The Citi Rewards+® Card is a rewards card that earns bonus ThankYou® Points on a limited amount of spending at supermarkets and gas stations. The card carries no annual fee.
The card offers 2x ThankYou® Points on up to $6,000 of spending per year about of purchases at supermarkets and gas stations, then 1 ThankYou Point per dollar. Through June 30, 2024, you can get a total of 5 ThankYou Points on hotel car rentals and attractions when you book through Citi Travel.
The Rewards+ is most interesting for its 10% point rebate on your first 100,000 ThankYou Points that you redeem each year. If you hold the Citi Rewards+® Card, you’ll receive this point rebate when you redeem point from any of your cards that offer ThankYou points. This feature makes is an excellent companion to other cards that earn ThankYou points.
Citi Premier® Card welcome bonus
Citi Premier® Card welcome bonus:
bonus_miles_full
All information about the Citi Premier® Card has been collected independently by cardsandpoints.com.
Click here to learn more and apply.
Our take on the welcome bonus: Citi occasionally offers larger welcome bonuses on the Citi Premier card. If you don’t have an urgent need for this card, you might want to wait to apply.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
Citi Premier® Card at a glance:
Annual fee: $95
Rewards: 10x on hotel and car rentals booked through the Citi travel portal through 6/30/2024. 3x on other hotel purchases, air travel, restaurants, supermarkets, gas stations. 1x on all other purchases.
About the Citi Premier® Card
The Citi Premier® Card is a core card of the Ultimate Citi ThankYou Points Wallet. It offers generous rewards on travel spending, dining and grocery stores. While the Premier offers great rewards, it lacks many of the travel insurance protections common among travel credit cards. The Citi Premier card carries an annual fee of $95.
The Citi Premier® Card offers a long list of 3x bonus categories, including hotels purchases, air travel, restaurants, supermarkets and gas stations. Plus, until 6/30/2024, you can earn 10 total points per dollar spent on hotels, car rentals, and attractions, excluding air travel, booked through the Citi TravelSM portal. The card earns 1 point per dollar spent on other purchases. Points are earned as ThankYou Points, which can be redeemed for cash back or transferred to travel partners for additional value.
The Citi Premier® Card is notably light on the travel benefits that you might expect from a premium travel credit card; it does not include essentials like trip delay protection, auto rental collision damage waiver, or extended warranty benefits. The card does include $100 off a single hotel stay of $500 or more when you book through thankyou.com.
Citi Custom Cash℠ Card welcome bonus
Citi Custom Cash® Card welcome bonus:
bonus_miles_full
All information about the Citi Custom Cash℠ has been collected independently by cardsandpoints.com.
Click here to learn more and apply.
Our take on the welcome bonus: Citi doesn’t often offer an increased welcome bonus on the Custom Cash. If you do not yet have a Custom Cash card, there’s no reason to wait for an increased bonus.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
Citi Custom Cash℠ at a glance:
Annual fee: $0
Rewards: 5% on the first $500 in monthly purchases in your top eligible category. 1% everywhere else.
About the Citi Custom Cash℠ Card
The Citi Custom Cash℠ Card earns ThankYou® Points, but is marketed as a cash back card. With the Citi Custom Cash℠ Card, you can get 5% cash back on up to $500 in spending on the category where you spend the most each month. The Custom Cash carries no annual fee.
Eligible 5% categories include restaurants, gas stations, grocery stores, drugstores, home improvement stores, fitness clubs, live entertainment, select travel, select transit and select streaming services.
The best way to use the Citi Custom Cash℠ Card is to select a bonus category and use the card primarily for that bonus category. The card earns 5% rewards only in the eligible category where you spend the most each month, and only on your first $500 in spending in that category. Other purchases earn 1% rewards.
Citi® Double Cash Card welcome bonus
Citi Double Cash® Card welcome bonus
bonus_miles_full
All information about the Citi Double Cash® Card has been collected independently by cardsandpoints.com.
Click here to learn more and apply.
Our take on the welcome bonus: The Citi Double Cash card hasn’t always offered a welcome bonus, so if you are considering getting this card, now is a good time to apply.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
Citi Double Cash® Card at a glance:
Annual fee: $0
Rewards: 2% – 1% when you buy and 1% when you pay
About the Citi® Double Cash Card
The Citi Double Cash is the credit card that brought 2% cash back rewards into the mainstream. The card earns 1% cash back when you make any purchase, plus 1% additional cash back as you pay for your purchases. The Double Cash carries no annual fee.
The card’s 2% rewards are earned as ThankYou Points. If you hold a premium ThankYou Point-earning credit card like the Citi Premier, you can transfer your ThankYou points to travel partners. Points transfers are one way to get more than 1 cent of value out of each of your points. Additionally, if you hold the Citi Rewards+, the first 100,000 points you redeem in a year will trigger the 10% point refund benefit, getting you 10,000 points back.
Unfortunately, the card offers no notable benefits beyond its cash back earnings. You will earn generous cash rewards on all purchases, but you won’t get any additional perks. Citi removed additional benefits like auto rental collision damage waiver or cell phone protection from this card.
Additional pointers on Citi cards
Citi ThankYou Points card synergies
When you hold multiple Citi cards that earn ThankYou Points, you can choose to combine your ThankYou Rewards accounts and earn a single pool of points. This feature of the ThankYou Rewards program means that holding multiple Citi ThankYou Points cards will enable you to both earn more points on your purchases and give you more options when you redeem your points.
Here’s a quick overview of how these ThankYou Points synergies work.
Earning ThankYou Points across cards
Citi offers four cards that earn ThankYou Points to new cardmembers. You’ll earn the most points from your spending by using the card that earns the most points for your purchase. For example, at grocery stores, you might choose to use the Citi Premier® Card over the Citi Double Cash because you’ll earn 3 points per dollar rather than 2.
Here’s an overview of how many points the four ThankYou Points cards earn in their respective bonus categories.
| Citi® Double Cash Card | Citi Custom Cash℠ Card | Citi Rewards+® Card | Citi Premier® Card | |
|---|---|---|---|---|
 |  |  |  | |
| Restaurants | – | Up to 5x | – | 3x |
| Drugstores | – | Up to 5x | – | – |
| Gas stations | – | Up to 5x | 2x (on the first $6,000 spent across bonus categories) | 3x |
| Supermarkets | – | Up to 5x | 2x (on the first $6,000 spent across bonus categories) | 3x |
| Streaming (Select providers) | – | Up to 5x | – | – |
| Travel – Citi Travel Portal | 5x Hotels, car rentals and attractions booked through Citi Travel through June 30, 2024. | – | 5x Hotels, car rentals and attractions booked through Citi Travel through June 30, 2024. | 10x Hotels, car rentals and attractions booked through Citi Travel through June 30, 2024. |
| Travel – Air Travel | – | Up to 5x | – | 3x |
| Travel – Hotels | – | Up to 5x | – | 3x |
| Travel – Cruise line and travel agency | – | Up to 5x | – | – |
| Select transit | – | Up to 5x | – | – |
| Home improvement stores | – | Up to 5x | – | – |
| Fitness clubs | – | Up to 5x | – | – |
| Live entertainment | – | Up to 5x | – | – |
| Everywhere else | 2x (1% as you buy, plus 1% as you pay.) | 1x | 1x | 1x |
All of the cards in the table above earn ThankYou® Points, even though some are marketed as cash back cards.
The Citi Custom Cash℠ Card earns 5% cash back in the one eligible category where you spend the most each statement cycle, on up to $500 of spending. Other purchases earn 1%.
Redeeming Citi ThankYou Points with multiple cards
The key to maximizing the value of your ThankYou Point redemptions is holding multiple ThankYou Points cards and earning your ThankYou points in a combined ThankYou Points account. When you combine your ThankYou Points accounts, you get access to the best redemption options available from each of your cards. Here are the ThankYou Points redemption options that vary between cards.
| Citi® Double Cash Card | Citi Custom Cash℠ Card | Citi Rewards+® Card | Citi Premier® Card | |
|---|---|---|---|---|
| | | | |
| Cash back rewards (Including statement credits, direct deposit, and check by mail) | 1 cent/point | 1 cent/point | 0.5 cents/point | 1 cent/point |
| Point transfers to airlines and hotels | Select partners only Lower transfer ratios | Select partners only Lower transfer ratios | All transfer partners Best transfer ratios | |
| Redemption bonus | – | – | 10% bonus on up to 100,000 points redeemed per year | – |
The table above doesn’t include some redemption options, like gift cards and pay with points. This is because the redemption options either do not vary across cards (gift cards) or because the value of the redemption is less than the cash back redemption value.
A few notes on applying for Citi credit cards
- Citi has limits on the number of applications you can submit. You can only apply for one personal card every eight days and no more than two cards every rolling 65 days. Business cards are subject to the same eight-day limitation, but you can apply for no more than one business card every 95 days.
- You can get a new customer welcome bonus on Citi cards multiple times, but Citi has rules on how often you can earn a welcome bonus.
- ThankYou Point welcome offers are typically not available if you’ve received a new account bonus on the same card in the past 48 months.
- Welcome bonuses on AAdvantage cards are only available if you have not received a welcome bonus for the same card within the past 48 months.
- There is no limit to the number of Citi cards you can hold.
- You can check your application status on the Citi website or by calling 1-866-606-2787.
Frequently asked questions
Citi limits the number of applications you can submit to one personal card every eight days, and two cards every rolling 65 days. So, you can’t apply for multiple cards at a time.
The Citi Double Cash is marketed as a cash back card, but behind the scenes, it earns ThankYou Points. If you hold the Citi Double Cash, you can redeem your points for one cent each. If you also hold a Citi Premier card, you can transfer your points to travel partners.
The Citi Premier® Card, Citi® Double Cash Card, and Citi Custom Cash℠ Card allow you to redeem your points for one cent of cash back each. The Citi Rewards+® Card only allows you to redeem points for one cent each toward gift card redemptions, unless you hold one of the other cards.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.