Citi
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
33,000 points a year at 1.00¢ = $330, $200 of credits you'd actually use, minus the $595 annual fee = -$65 a year. The 80,000-point welcome bonus adds $800 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 | 6× Citi ThankYou | none |
| Flights, hotels and transport | 3× Citi ThankYou | none |
| Groceries | 1× Citi ThankYou | none |
| Everything else | 1× Citi ThankYou | none |
6x at restaurants from 6pm to 6am Eastern on Fridays and Saturdays, 3x otherwise; 12x on hotels and car hire through Citi Travel.
Citi ThankYou points are worth about 1.00 cents each on our published table, our own. What Citi ThankYou points are worth →
80,000 Citi ThankYou — about $800 — after $4,000 of spending in 3 months. The example spending above does not clear that, so it is left out of the sum.
Credits count for $200 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page. $200 splurge credit across two categories you pick in advance.
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.