Do Citi Prestige and ThankYou Premier Make a Good Combo?
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TPG reader James sent me a message on Facebook to ask about maximizing credit card bonus categories:
"Do you think the Citi Prestige and Thank You Premier cards pair well with each other due to the different bonus categories, or is there enough overlap that I should just get one?"
In January, we wrote about how you can use a trio of Chase cards in tandem to take advantage of their respective bonus categories. This "Chase Trifecta" (which could soon be expanded to include the new Freedom Unlimited Card) is a great way to maximize a wide variety of purchases if your goal is to earn Ultimate Rewards points. James is thinking about using a similar strategy to earn Citi ThankYou points, and wants to know whether combining cards in that program will offer a good return.
The Citi Prestige Card earns a solid 3 points per dollar on air travel and hotels, as well as 2 points per dollar on dining out and entertainment. Meanwhile, the Citi Premier® Card, earns 3 points per dollar on a broader range of travel expenses that also includes car rentals, taxis, parking and even gas, plus the same 2 points per dollar on dining and entertainment. The bonus categories on these two cards overlap much more than those on the Chase cards discussed above, but I think you could justify having both depending on your spending habits.
For starters, both cards come with strong sign-up bonuses: The Prestige card offers 50,000 points after you spend $3,000 in the first three months, while the Premier card earns 30,000 points when you spend $3,000 in the first three months (though you may be targeted for a higher 50,000-point offer that requires spending $3,500). Based on my most recent monthly valuations, the Prestige bonus is worth $800 while the ThankYou Premier's is worth $640, so there's a strong incentive to apply. The Premier card waives its $95 annual fee for the first year, and while the more premium Prestige card has a $450 fee that isn't waived, it comes with a lucrative suite of benefits that can easily outweigh the cost.
Plenty of cards offer competitive rewards for spending on gas, airfare and/or hotels, but the uncapped 3x bonus on ThankYou Premier is probably the best all-around return on miscellaneous travel purchases. If you spend a lot on things like Uber/Lyft, public transportation, tolls or other qualifying expenses, you might benefit from having both cards despite the similarities.
One other consideration is how invested you want to be in ThankYou Rewards. Citi has made improvements to the program over the past few years, but I recommend diversifying your points and miles even among the different types of transferable rewards.
The Chase Sapphire Preferred Card offers 2 Ultimate Rewards points per dollar on travel, and has an equally comprehensive list of qualifying purchases. The overall return is a bit lower, but you'll get access to different airline and hotel partners, as well as benefits like primary car rental insurance, so it's another good option to pair with Citi Prestige.
I suggest you look over your past travel purchases, particularly the ones that qualify for a bonus on the ThankYou Premier or Sapphire Preferred, but not on Citi Prestige. Once you know how much you spend, you can decide whether it makes sense to pay an annual fee for a card that rewards you for those items.
If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at info@thepointsguy.com.
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
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- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
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- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees