Citi
ThankYou Points are the only major bank currency with American Airlines access, and Citi's no-fee cards quietly upgrade into transferable points.
Application Rules
- ▸1 card per 8 days, max 2 per 65 days
- ▸48-month bonus clock on Strata cards
- ▸Citi is sensitive to recent inquiries
Tracked Citi Cards
Citi's 2025 entry into the premium wars, with weekend dining 6x.
3x on five everyday categories. The broadest mid-tier earner.
The benchmark 2% card, that secretly earns transferable points.
Automatic 5% on your top category every month. Zero effort.
The standard-issue American Airlines card, fee waived year one.
Admirals Club membership with a credit card attached.
The round-up card, retired in favor of the Citi Strata.
The business-side door into American Airlines miles.
A no-fee secured card from a major bank, with a clear 18-month runway.
The free way to keep AAdvantage miles flowing from the grocery store.
21 months of 0% on balance transfers with no late fees, ever.
Citi's flagship balance transfer card: 21 months at 0%.
5% on Costco gas and 4% everywhere else you fill up.
The same Costco gas machine, sized for a business.
The no-fee entry to ThankYou points with a category you pick yourself.
The 4th Night Free card, closed to new applicants since 2021.
5x on dining and bookstores, and Amazon counted as a bookstore.
Citi's 5 percent rotating card, still alive in grandfathered wallets only.
3x on all online shopping, the grandfathered card everyone refused to cancel.
Two weekend nights for 95 dollars, until Amex took the whole portfolio.
5% back at Best Buy plus the financing offers electronics buyers actually use.
The network upgrade to the Macy's store card, with real dining and gas categories.
7% back at Wayfair with grocery and online categories on the side.
The legendary targeted-offer machine, converted to a Citi ThankYou card at the end of 2025.
A store-only financing card: it works at Home Depot, earns nothing, and exists for the 6-month deferred interest plan.