Citi
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
30,000 points a year at 1.00¢ = $300, $100 of credits you'd actually use, minus the $95 annual fee = $305 a year. The 60,000-point welcome bonus adds $600 in year one.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 3× Citi ThankYou | none |
| Flights, hotels and transport | 3× Citi ThankYou | none |
| Groceries | 3× Citi ThankYou | none |
| Everything else | 1× Citi ThankYou | none |
3x on restaurants, supermarkets, petrol, air travel and hotels.
Citi ThankYou points are worth about 1.00 cents each on our published table, our own. What Citi ThankYou points are worth →
60,000 Citi ThankYou — about $600 — after $4,000 of spending in 3 months. The example spending above does not clear that, so it is left out of the sum.
Subject to Citi's 48-month rule on the ThankYou family.
Credits count for $100 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page. $100 annual hotel credit on a single stay of $500 or more booked through Citi Travel.
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We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.