Citi ThankYou Premier – 60,000 ThankYou Points

UPDATE 1:50 PM EST: Another link is still up!

UPDATE 1:25 PM EST: Original link DEAD!

Thank to US Credit Card Guide, the best offer we’ve ever seen for the Citi ThankYou Premier credit card has been discovered! Using this link, you can earn the following bonus:

Earn 60,000 bonusThankYou® Points after you spend $3,500 in purchases within 3 months of account opening.

I just applied both Joann & myself for this card because you can easily transfer points from one account to any other one (with some caveats that I’ll go over in another post). Joann got instantly approved, but my decision went pending.

PRO TIP: If your decision goes pending, don’t close out that browser window. Wait a few seconds & a live chat popup window should appear on screen. Start the live chat & an agent can help you right then & there. No need to have the hassle of calling the reconsideration line! The agent was able to shift some credit from an existing Citi credit card in order to open this one. Approved!

  • Annual fee: $0 first year, $95 thereafter
    • Citi is notoriously generous with retention offers when calling to “cancel” after the annual fee is posted
  • No foreign transaction fees
  • EMV Chip Technology

Citi ThankYou Premier Bonus Categories

3 ThankYou Points per $1 spent on Travel. Travel includes:
  • Gas Stations
  • Public Transportation
  • Taxis and Tolls
  • Parking Garages
  • Airfare and Hotels
  • Cruises
  • Car Rental Agencies
  • And much more!

2 ThankYou Points per $1 spent on Dining Out and Entertainment

ThankYou Transfer Partners

ThankYou Points transfer to 11 different airline partners and Hilton HHonors (at 1:1.5).

  • Asia Miles
  • EVA Air
  • Etihad Guest
  • Flying Blue
  • Garuda Indonesia
  • Malaysia
  • Qantas
  • Qatar
  • Singapore Airlines
  • Thai Airways
  • Virgin Atlantic
  • Hilton HHonors (1:1.5)

Wrap Up

I haven’t written about City TY points much because I haven’t earned them before, but it’s always good to diversify the portfolio. Stay tuned for a lot more info regarding this program making a splash in the flexible points game.

Citi ThankYou Premier

My Biggest Mile Manufacturer – TD Go

During a time where Joann & I have more miles & points than we do vacation days, I’m looking for easier ways to manufacture these points instead of ways to just amass a stockpile of them. Notice my emphasis is on easy. 

I’m not a fan of driving to Walmart to load my American Express Bluebird 2-3 times a month.

I don’t enjoy driving to multiple CVS stores to find $500 gift cards (and then driving to Walmart to load them to Bluebird).

Buying $200 gift cards from Staple with my Chase Ink is pretty easy, but then I’m stuck with several small denomination gift cards to liquidate.

Enter TD Go.

This is a prepaid product that is intended for parents to issue their “teens” debit cards with certain limits.

The main advantages are that this debit card can be funded by a credit card online and TD is very lax on what they consider a “teen.”

The main disadvantage is that this card is ONLY offered in the following states:

CT, DC, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA

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What Card Do I Use For This Purchase?

This is a question that many friends & family ask me almost every day. There is usually a simple answer, but sometimes there are just so many types of purchases that one can forget.

A fairly updated array of all our credit cards

Here are a list of categories that you might commonly spend your money on and the cards that offer bonuses for spending within those categories:

Groceries

American Express Blue Cash Preferred: A straight up, no frills 6% cash back.

American Express Premier Rewards Gold: 2 Membership Rewards points per dollar spent.

American Express Hilton Honors Surplus: 6 Hilton Honors points per dollar spent.

Chase Freedom (rotating categories): If eligible for that quarter, earn 5 Ultimate Rewards points per dollar, capped at $1,500 per quarter.

Gas

Chase Ink Bold Business: 2 Ultimate Rewards points per dollar spent.

Chase Ink Plus Business: 2 Ultimate Rewards points per dollar spent.

American Express Mercedes Benz: 3 Membership Rewards points per dollar spent.

American Express Premier Rewards Gold: 2 Membership Rewards points per dollar spent.

American Express Business Gold: 2 Membership Rewards points per dollar spent.

American Express Hilton Honors Surplus: 6 Hilton Honors points per dollar spent.

Chase Freedom (rotating categories): If eligible for that quarter, earn 5 Ultimate Rewards points per dollar, capped at $1,500 per quarter.

Dining/Restaurants

Chase Sapphire Preferred: 2 Ultimate Rewards points per dollar spent.

Chase Freedom (rotating categories): If eligible for that quarter, earn 5 Ultimate Rewards points per dollar, capped at $1,500 per quarter.

American Express Mercedes Benz: 2 Membership Rewards points per dollar spent.

Citi Forward: 5 ThankYou points per dollar spent.

Airfare

American Express Premier Rewards Gold: 3 Membership Rewards points per dollar spent.

Chase Sapphire Preferred: 2 Ultimate Rewards points per dollar spent (3 if you purchase through Ultimate Rewards Travel Portal)

Hotels

Chase Sapphire Preferred: 2 Ultimate Rewards points per dollar spent

Chase Ink Bold Business: 2 Ultimate Rewards points per dollar spent

Chase Ink Plus Business: 2 Ultimate Rewards points per dollar spent

Other Travel (Tolls/Taxi Fare/Train Tickets)

Chase Sapphire Preferred: 2 Ultimate Rewards points per dollar spen

Office Supplies

Chase Ink Bold Business: 5 Ultimate Rewards points per dollar spent

Chase Ink Plus Business: 5 Ultimate Rewards points per dollar spent

Drugstores/Pharmacies

American Express Hilton Honors Surplus: 6 Hilton Honors points per dollar spent.

Communications (Cable/TV/Internet/Cell)

Chase Ink Bold Business: 5 Ultimate Rewards points per dollar spent

Chase Ink Plus Business: 5 Ultimate Rewards points per dollar spent

Advertising/Shipping

American Express Business Gold: 2 Membership Rewards points per dollar spent.

Amazon.com

Citi Forward: 5 ThankYou points per dollar spent.

Department Stores

Chase Freedom (rotating categories): If eligible for that quarter, earn 5 Ultimate Rewards points per dollar, capped at $1,500 per quarter.

Movies

Chase Freedom (rotating categories): If eligible for that quarter, earn 5 Ultimate Rewards points per dollar, capped at $1,500 per quarter.

Things to Note

  • ALL the links in this post are PUBLIC OFFERS that don’t pay me any commission. They are open to anyone and can be found with a simple Google search. That is, in face, how I found these links.
  • The Chase Freedom appears in a lot of these categories. Its bonuses change every quarter (as I’ve most recently posted about here) and with no annual fee, it’s almost a no-brainer to always have one in your wallet.
  • The Chase Sapphire Preferred also shows up in a lot of categories, mainly because Chase considers a lot of things in the category of “travel”.

Wrap-Up

Clearly, there are A TON of bonus categories that you’ll come upon in your everyday spending. It can get a bit daunting, but hopefully this guide will help you out.

As for me, I have my favorites of the bunch. Both the aforementioned Chase cards earn Ultimate Rewards points, which is why they are my favorite card combo for earning points that can be transferred to the following:

  • United Airlines
  • Southwest
  • British Airways
  • Korean Air
  • Hyatt
  • Priority Club
  • Marriott
  • Amtrak

Please let me know what you think and if this helps. Also, if you have other categories you are wondering about, post a comment and I’ll see if there is a card that qualifies for it!

Citi Credit Card Retention Bonuses

It’s coming up on that time of year – the 11th month after opening a credit card when the annual fee is due. After a monster application run last April/May, several of my credit cards will charge annual fees that I have no interest in paying. This means that it’s time to call up credit card retention departments and see if I can squeeze out an annual fee credit or some points/miles.

It’s pretty well known that Citi is generous in their retention bonuses. All it takes is a simple phone call to the number on the back of your card (Citi Select / AAdvantage American Express in my case). I asked the front line agent to transfer me to the Retention Department because I wanted to cancel my card. Once there, I told the retention agent that I wanted to cancel my card because I couldn’t justify the “expensive” annual fee. He immediately offered me a retention bonus – an $85 statement credit after making 5 purchases within 3 months. Really? I can do that in a day.

So I made the 5 purchases and waited for the statement to close which was two days ago. Lo and behold, I see this!

So there you go! As always, it never hurts to ask. The worst they can say is no and then you cancel the card anyway. I’ll drawer this Citi card until I revisit this exact same process in April of 2013.