With a credit card, you can carry a balance and accrue interest if necessary. Note this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 in Let’s Get Started To Earning Free Travel.
Earn 40,000 Bonus ThankYou Points:
Earn 40,000 points after $4,000 in purchases within the first 3 months of account opening. APPLY FOR THE CARD HERE.
$450 Annual Fee (but $250 air travel credit each year–see below)
2. Earn 2x ThankYou Points on Dining out and Entertainment (click here for a detailed definition of entertainment)
3. Earn 1X ThankYou Points on other purchases
As a Citigold or Citi Private Bank customer, you are rewarded with a relationship bonus for each year of card membership. Cardmembers with a Citigold bank account will earn an additional 15% in ThankYou Points based on purchases made on your card during that cardmembership year, and those with a Private Bank relationship will earn an additional 25% in ThankYou Points.
Pay no foreign transaction fees when you use your card on purchases made outside the United States.
This $250 statement credit is an annual benefit available for airline fees. Airline Fees are defined as purchases made with airlines including Air fares, baggage fees, lounge access and some in-flight purchases. It is usually 1-2 billing cycles after the qualifying air travel expense is charged to your Card Account for statement credit to be posted to the account.
On flights -one Citi ThankYou point equals $0.0133 incremental value on travel. For example, a $665 flight will cost you 50,000 ThankYou points.
You get a complimentary night at any hotel of your choice after a minimum 4-consecutive-night booking. There’s no limit to the number of times you can use this benefit. Reservations must be made through the Citi Prestige Travel Advisor and you must pay for your stay with your card.
Transfer points to participating frequent travel programs with no transfer fees. Most points transfer at full 1:1 value – that means 1000 ThankYou points equal 1000 partner miles/points. Except for Hilton HHonors where 1 Point = 1.5 Hilton HHonors Bonus Points. The participating Travel Loyalty Programs are: Asia Miles; Etihad Airways Guest; EVA Air Infinity Mileage Lands; Garuda Indonesia Frequent Flyer; Hilton HHonorsTM; Malaysia Airlines Enrich; Qatar Airways Privilege Club; Singapore Airlines KrisFlyer and Thai Airways Royal Orchid Plus. Learn more about transferring points here.
AA Admirals Club-Complimentary access and the primary cardmember may bring as guest(s) either immediate family (spouse, domestic partner and/or children under 18 years of age) or up to two traveling guests. Note-this benefit will cease to exist on July 23, 2017.
Priority Pass Select Lounges-Primary and Authorized users are granted complimentary access to the Priority Pass lounges and allowed a maximum of up to two guests or immediate family members (spouse, domestic partner and/or children under 18 years of age).