If you want to earn transferable Citi Thank You Reward points, Citi has three cards in its stratigraphic lineup and offers welcome offers. This is a great opportunity to win a large amount of welcome bonuses and diversify your perspectives, giving you a valuable transfer partner.
The card’s annual fee ranges from $0 to $595. No matter what you need, these cards offer a variety of bonus categories and benefits to help boost your trip.
Here are a summary of three Citigroup credit cards and their current welcome offer.
Citigroup Elite
this Citigroup Elite Card (See Rates and Fees) is the latest ranks to join the Advanced Credit Card Heavyweight Level. This is great for those who like booking an issuer’s travel portal, dine on Friday and Saturday nights and are looking for American Airlines’ privileges.
Welcome quote: In a limited time, $4,000 was spent in the first three months of opening, earning 80,000 bonus points. According to TPG’s July 2025 valuation, the welcome offer is worth $1,480. If you apply in person at a Citi branch, you can get a higher welcome offer of 100,000 bonus points with the same spending requirements.
Annual Fee: $595
Income rate:
- Spend 12 per dollar on hotels, car rentals and attractions booked through the Citi Travel Portal
- Spend 6 points per dollar on flight booked on Citi Travel Portal
- Spend 6 o’clock in the restaurant, including restaurant delivery services purchased at the restaurant every Friday and Saturday from 6 p.m. to 6 a.m.
- 3 points per dollar spent at a restaurant
- Spend 1.5 points per dollar
Key Benefits:
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- Hotel Credit: A prepaid hotel stay (booking at least two nights) can enjoy up to $300 off when booking through Citi Travel every year
- Squander credit: You can choose from two brands for annual credits up to $200: 1stdibs, American Airlines, Best Buy, future personal training and real-life countries
- Global Entry/TSA Precheck Credit: Global Entry or TSA Precheck Application Fee Up to $120 per four years lender
- Blacklane Credit: Blacklane Chauffeur bookings up to $100 in biennial credit (up to $200 per year)
- Lounge Access: Free Priority Pass Select Lounge Access and Four Admiral Clubs Passed annually
Why we like it: Overall, if you prefer the easy booking that you book through the issuer’s travel portal, this card is a great option. Hotel credit can be used for any prepaid hotel reservations on Citi Travel. With American Airlines flights, lounge passes and auxiliary fees all qualify for credit, it’s easy to maximize credit splurge.
However, be aware that Citi does not have its own rest network as much as its competitors. Moreover, the increased restaurant revenue rate is only applicable on Friday and Saturday nights.
Apply here: Citigroup Elite Card
Citigroup Prime Minister
Flying under radar often Citi Layer Premier® Card (See Rates and Fees) This is an excellent intermediate travel card, thanks to the lack of various reward categories for many of its competitors.
Welcome quote: Earn 60,000 bonus points after spending $4,000 from the first three months of account opening. According to TPG’s July 2025 valuation, the welcome offer is valued at $1,110.
Annual Fee: $95
Income rate:
- Spend 10 points per dollar on hotels, car rentals and attractions booked through the Citi Travel Portal
- 3 o’clock per dollar for electric car charging, flights, gas stations, hotels, restaurants (including takeaways) and supermarkets
- Every dollar spent on all other purchases
Why we like it: The card offers an impressive bonus award category for $95 per year, which is a great choice for daily expenses. It offers an annual hotel credit of $100 for hotel reservations for $500 or more (excluding taxes) through the Citi Travel Portal, which can be compensated for as long as you use it. In addition, you will receive travel protections regarding car rental coverage; lost and damaged luggage; and travel cancellations, delays and interruptions.
To learn more, read our full review of the Citibank Prime Minister.
Apply here: Citigroup Prime Minister
Citi floor
this Citi tier ℠ card (See Rates and Fees) is an entry-level card in the stratigraphic lineup. Before it was renamed, it was called the Citi Rewards +® Card.
Welcome quote: For a limited time, new cardholders can earn 30,000 bonus points after spending $1,000 in the first three months of opening. According to TPG’s July 2025 valuation, the welcome offer is worth $555.
Annual Fee: Nothing
Citi Rewards+ information has been collected independently by Tocts Guy. The card details on this page have not been reviewed or provided by the card issuer.
Income rate:
- 5 o’clock on hotels, car rentals and attractions booked on Cititravel.com
- Spend 3 points per dollar in supermarket
- Spend 3 points per dollar on select transit, electric car charging and gas stations
- Spend 3 points per quarter on qualified self-select categories (cosmetics store/barbershop/hair salon, fitness club, live entertainment, pet supply store or selected streaming services)
- Spend 2 points per dollar at a restaurant
- Every dollar spent on all other purchases
Why we like it: Citigroup’s non-small cards have impressive revenue rates, especially the categories of self-selected in the quarter.
Apply here: Citigroup Card
Bottom line
If you want to earn Citi Thank You points, select a card from the hierarchy to take advantage of some welcome offers. This is a great way to get a huge welcome bonus – for maximum value, consider transferring your points to Citi’s airline or hotel partner.
Each card offers an impressive list of bonus reward categories, so be sure to choose the one that suits your daily expenses and travel needs.
Apply here: Citigroup Elite
Apply here: Citigroup Prime Minister
Apply here: Citi floor
