Some things in life are better in two ways – absolutely Citi Layer Premier® Card (See rates and fees) and Citi tier ℠ card (See rates and fees).
While the Citibank Prime Minister is an excellent independent travel credit card, you should consider adding the Citibank to earn another popular bonus and earn more points on your daily expenses.
Here is the inside spoon for the duo.
Related: Best Citi Cards
Earn 2 welcome bonuses
this Citigroup Prime Minister After spending $4,000 purchases in the first three months of opening, it offered a welcome of 60,000 bonus points for $60,000.
at the same time, Citi floor Spend $1,000 in three months of account opening, providing 30,000 bonus points.
According to TPG’s September 2025 valuation, these welcome offers are worth $1,140 and $570, respectively, and if you get these two cards, you’ll be worth up to $1,710.
Remember, Citi has application restrictions on these cards. If you have previously received a bonus on your card (or the one you converted to a card) in the past 48 months, you won’t get a welcome bonus on the strata or the strata elite.
Low comprehensive annual fee
The total annual cost for this card duo is only $95. this Citigroup Prime Minister There is an annual fee of $95. Citi floor There is no annual fee at all.
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Even if you get a popular bonus, the card’s low comprehensive annual fee keeps the duo in your wallet year after year.
Related: 7 Best Credit Cards with annual fees under $100
Improve your points
The next selling point in holding these two cards is their supplemental income rate.
use Citigroup Prime Minister For most of your reward expenses, including:
(Since the two cards overlap on Citi Travel Portal purchases, supermarkets, gasoline and electric vehicle charging, it would be easier to use the hierarchy prime minister only for these purchases, as it has fewer reward categories.)
Then, you need to use Citi floor for:
- Choose Shipping (spending 3 points per dollar)
- You can change the Qualified Self-Select Category* every quarter (spending 3 points per dollar)
*Self-select categories include barber shops, cosmetics stores and hair salons, fitness clubs, live entertainment, pet supply stores and a selection of streaming services.
Therefore, the formation should be a purchase card for purchases such as ride service, gym membership, sports and concert tickets.
Both cards cost 1 point on all non-Bonus expenses. Stratigraphy and formations cover a total of most bonus categories expenditures, with income per dollar at least on most purchases.
However, if you want to make sure you earn at least 2 points per dollar per purchase, consider adding a small fee Citi double cash card (See Interest Rates and Fees) Earn 2% cash back (1% when purchasing, 1% when paying). Cash back can be converted to Citi Thank you for your reward points and helps create a Citi tri-link.
Related: Are there all the popular credit cards? Here are 10 options for your next app
Visit Citi’s transfer partner
You have Citi floor It can be transferred to 22 loyalty programs – the ratio for most people is 1:0.7. But, by holding Prime Minister of the Stratigraphicyou can transfer points at a better ratio of 1:1 (for most partners). As a result, 100,000 Citi points can be turned into 100,000 airline or hotel points or miles (for most partners).
Citi also offers up to 50% of the frequent transfer bonuses through a select loyal partner.
While you can read our extensive guide on maximizing Citi Thanks Rewards Points Travel, here is a preview of some of our favorite ways to redeem them.
Related: Credit card transfer bonus
Maximize your redemption
If your thank you points can be cash back from 0.5 and 0.75 cents per point, get poor value from your thank you reward points. Citi floor and Prime Minister of the Stratigraphicrespectively.
However, you can increase redemption value by transferring it to Citi’s airline and hotel transfer partners such as American Airlines Aadvantage, Avianca Lifemiles, and Virgin Atlantic Flying Club. Here are some examples.
Qatar Airways Qsuite to Doha One-way with 70,000 Citigroup
Qatar Airways Privileges Club is another Citi transfer partner that can provide great value. For 70,000 Avios one-way (plus about $200 in tax), you can get to Doha’s flagship business-grade product QSuite (Qsuite) from any U.S. portal. You can use tools like SEATS.Aero to help you find availability.
And you are not limited to bookings with Qatar Airways with Avios. Once you transfer your rewards to the Qatar Airways Privileges Club program, you can use them to book flights to airlines like British Airways and Aer Lingus.
Related: Qatar Airways QSuite Review: Still setting business class standards (and best mileage position)
American Airlines’ premium economy to Japan with 45,000 Citi points one-way
You can transfer Citi Thank You bonus points to American Airlines AADVANTAGH to bring the bonus of premium economic seats to 45,000 US miles (plus taxes and fees only $5.60).
Even from East Coast airports like John Kennedy International Airport (JFK) in New York, you can find availability at this price.
Related: Japan Travel with Points and Miles: The Best Way to Redeem Your Flights and Hotel Rewards
United Airlines’ economic flights are 10,000 Citi points in one-way
You can expand the value of points by booking short economic flights with United Airlines.
By transferring only 10,000 Citi thank you points to Avianca Lifemiles, you can bring short hops like Los Angeles International Airport (LAX) to Seattle-Tacoma International Airport (SEA) or from Orlando International Airport (MCO) to George Bush’s Internet Airport (IAH) in Houston.
If you are booking these flights directly at the Federation, you will usually pay between 12,500 and 15,000 miles.
This can also be a great way to save on domestic flights when cash prices are high during busy travel such as summer or winter holidays (such as winter holidays). If you have a small amount of reward points for your thank you, then this is a great way to use them.
Related: United MileagePlus: Earning and Redemption Miles Guide, Elite Identity, and More
Boutique or Independent Hotel Accommodation
If you want to stay in a unique hotel, you can transfer Citi Points to a hotel that I prefer to have a 1:4 (1,000 Playboy Points is 4,000) bonus, I prefer points). My preferential hotel reward is a collection of independent and boutique hotels that you can usually not book with points. You can view a full list of hotels available for booking here.
I prefer to use a fixed rate, with prices ranging from 15,000 to 150,000 per night. Since the transfer rate is 1:4, divide the total number of points required per night by four to get the number of points to be transferred.
For example, you can stay at the Great Pacific Hotel, a boutique hotel in downtown Victoria, British Columbia during the summer – a lovely summer destination – for $234 or $30,000, I prefer the hotel bonus points. However, you only need to transfer 7,500 Citi points per night to book the hotel, which is worth 3.1 cents per point.
Bottom line
Citi Thanks for the rewards program offers an extensive list of transfer partners, international partners covering every major airline alliance and some profitable hotel redemptions.
The Prime Minister and the Formation with Citibank both cover most of your spending, giving you the best transfer ratio and giving you full access to Citibank’s loyalty partner, which costs just $95 in a consolidated annual fee.
Now, when you are looking to plan your future trip, now may be a good time to take advantage of this card duo.
To learn more, check out our full review of the Citi and Citi class Prime Ministers.
Apply here: Citigroup Card
Apply here: Citi strata Prime Minister’s Card
