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The 5 Best Citi ThankYou Transfer Partners Are…

Citi ThankYou points are easier than ever to earn.

I plan to put airfare and dining on my Citi Prestige to earn 5X points per $1 spent, and use my Citi AT&T Access More card (not open to new applicants) to get 3X points for online shopping. Between these 2 cards, I’ll be flush with Citi ThankYou points this year.

And peeps with the Citi Premier can earn 3X points on all travel, including gas, and 2X points on dining.

In that light, I’m giving thought to Citi’s 15 airline transfer partners. But in my eyes, a solid 2/3 of them are total caca.

That means only 5 are worthwhile.

Citi ThankYou Transfer Partners

Man, I gotta get back to Hawaii this year. You can use Flying Blue or Singapore miles to get there cheap!

Let’s take a looky loo, shall we?

The 5 Best Citi ThankYou Transfer Partners

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Booking Puerto Vallarta 2.0: $3,000+ Vacation for 131,000 Citi ThankYou Points, Prestige 4th Night Free, & AA Business Extra

Last February, I spent 3 glorious nights at the Hyatt Ziva Puerto Vallarta. And next month, I’ll spend another 4 nights there! For $0 out of pocket, I used:

  • 131,088 Citi ThankYou points + 4th night free to save $1,721 on the hotel stay
  • 4,000 American Airlines Business Extra points for $1,423 flights
  • Citi Prestige annual travel credits to cover ~$187 in taxes and fees

The total cost would’ve been $3,331. And I used ALL my Citi ThankYou points.

But after slipping the Citi Prestige card back into my wallet this week, I can build up my balance with new 5X earning on airfare and dining. Plus, they’d been hanging around for a while.

Learn more about the best travel rewards cards here.

puerto vallarta points 2019

This time, I saved over $3,000 to go back to Puerto Vallarta for 4 nights 🍹

Here’s how I put it together!

A $3,000+ vacation to Puerto Vallarta for $0

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‘Tis the Season to Use 0% APR Cards to Avoid Interest for up to 21 Months (If You HAVE to Carry a Balance)

Happy New Year! I can’t believe it’s 2019! I’m working on travel plans and my credit card strategy – and soon I’ll have gigantic news to share.

If you spent too much over the holiday season, and carrying a balance is inevitable, consider transferring your balance to a new card with a 0% APR period.  They vary from 12 months to a staggering 21 months! This will hugely minimize the interest you’ll pay.

Depending which card you get, you won’t have to pay it off until January 2020 at the shorter end – or October 2020 at the longer end. That’s awesome!

Or if you have a big purchase coming up, opening a card with a 0% APR period gives you time to pay it back.

I’ve used both strategies successfully. But beware – pay close attention to the dates (which are listed on every statement you’ll get), or you’ll be right back where you started.

Still, it’s a LOT better than carrying a balance and paying huge interest rates. NEVER carry a balance if you can help it!

balance transfer cards

Paying interest negates any rewards you earn. Your balance will grow and you’ll get stuck on a debt treadmill – don’t do it!

Here are card options for balance transfers and big-ticket purchases. Because yes, life happens. Just try to control the damage as best you can.

Get unstuck with balance transfer cards

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$3,000 or 225,000 Airline Miles From ONE Sign-Up Bonus – But They’re Not for Everyone

Update: This offer is no longer available. Check here to see the latest card offers!

Capital One shook things up this week when they announced mondo 200,000-mile sign-up offers on their Spark Miles and Spark Cash cards. And on the Spark Miles card, those rewards will become transferable to 12 airlines starting December 2018, which is stellar. It’s always good to have more options – especially with flexible rewards programs.

In fact, peeps looking for a single-card solution to most points dilemmas finally found their match. You can redeem the points for 1 cent each, and with the Spark miles card, transfer them at a 2:1.5 ratio to useful airlines like Air Canada, Etihad, and Qantas.

They’re excellent deals if you want a rewarding small business card without hassle.  You’ll end up with $3,000 or 225,000 airline miles after the minimum spending is complete.

capital one spark miles

The required spending and opportunity cost are high with this one

But they’re NOT for everyone. I’ll explain why.

$3,000 or 225,000 Airline Miles After a Boatload of Spending

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’Tis the Season for New Credit Cards – and Price Protection!

November is here, and in a couple of short weeks, it’ll be Black Friday. Peeps tend to naturally spend more during the holiday season for presents, travel, and organizing parties.

While there’s a moment of calm, consider you can turn all your holiday spending into 1,000s of points & miles by opening a new credit card and using it to meet minimum spending requirements over the next month or so. If you apply now, it’ll arrive in time for the biggest shopping season of the year.

Plus, with all the sales and deals going on, consider a card with 60- or 90-day price protection – and automate it – to save even more money.

Credit Card Price Protection

Turn those Amazon purchases into award travel! Now’s the time to jump on a new card offer

Here are a few worthwhile sign-up offers, and how to set alerts for price drops.

Holiday time now = an award trip in 2019

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The Best Offer With the Most Miles for Those Over 5/24 (70,000 AA Miles, Small Biz Card)

Update: This offer is no longer available. Click here for the best current offers!

Lord help me, I just got another new credit card. This one’s too good to pass up if you’re over 5/24 and have small business income.

You can earn 70,000 American Airlines miles with the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® after meeting reasonable minimum spending requirements. I just signed up and got instant approval!

70,000 American Airlines miles is enough to visit:

  • 4 countries in Asia (China, Hong Kong, Japan, South Korea)
  • Northern South America
  • Literally anywhere in Europe
  • The Caribbean, Mexico, or Central America

And it’s nearly enough for 2 round-trip coach award flights to Hawaii!

citi aa 70k

That fateful moment when you open yet another new credit card

I was running low on AA miles. But now that you can book Air Tahiti Nui and Qatar flights on the AA website (along with other partners), it’s easier than ever to use your miles. You do NOT have to fly on American Airlines – use your miles for partner flights instead!

I’m so close to an around-the-world trip on Cathay Pacific with Alaska miles, and Qatar with American Airlines miles, that I can taste it.

Plus, you can make mortgage payments via Plastiq with this card because it’s a MasterCard, so it’s easy to meet the minimum spending in no time! (That’s how I plan to complete the spending requirements.)

Citi AA 70K miles with the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

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9 Easiest Signup Bonuses to Earn (7 Under $500, 2 With a Single Purchase!)

This one’s for peeps who think they can’t earn signup bonuses because the minimum spending requirements are too dang high.

When you think about, spending $3,000 (the usual spending requirement) is, of course, $1,000 per month for 3 months – or $250 per week. These cards tend to have the highest bonuses.

The problem with bank marketing is they throw out huge numbers and scare people off. But when you break it down, it appears way more manageable.

In any regard, there are plenty of cards with much lower minimum spending requirements. And some of them are genuine keepers!

cards with low spending requirements

Or rather, they look high – but most of them aren’t that bad once you break it down

Let’s look at 10 of the easiest signup bonuses you can earn.

10 cards with low spending requirements

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9 Best No Annual Fee Credit Cards – All With a 2% or Better Return

Everyone should have at least 1 credit card without an annual fee. When a card is free to keep forever, you never have to second-guess it. And the card works its powers on your credit report to increase available limits, decrease utilization, and help boost the average age of all your accounts.

My oldest credit card is from 2002 and has no annual fee. No matter how many new cards I open, I’ll always have a 16-year-old card to raise the average age of my accounts higher and therefore, my credit score.

When a card has a fee, it’s harder to justify keeping it – unless you get outsized value.

But having a card without an annual fee doesn’t mean you have to give up solid returns. All of the cards on this list can get you 2% back or better.

Chase Freedom is one of the best no annual fee cards – up to 30,000 Chase Ultimate Rewards points per year from 5X earning! I’ll share my top faves

Here’s my list.

9 best no annual fee credit cards

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Only Days Left for Citi ThankYou Premier’s Incredible 60,000 Point Bonus (Easy $800 for Travel)

Update: This offer is no longer available. Click here for the best current offers!

If you haven’t jumped on this offer yet, time’s almost up. Citi will pull the chance to earn 60,000 Citi ThankYou points with the Citi ThankYou Premier card on October 11th, 2018. Each point is worth 1.25 cents toward travel (including airfare, hotel stays, cruises, and excursions), which makes this offer easily worth $800 after meeting the minimum spending requirement.

Even better, the annual fee is waived the first year. So you can see if you like the card for 12 full months before paying. Even then, Citi is excellent about retention offers for bonus points upon card renewal. I get them regularly.

This is also one of the few cards to earn 3X points on gas (and travel).

citi thankyou premier

Citi ThankYou points helped me get to Prague. 60K is the best offer there’s been for the ThankYou Premier

I wish I could get this offer. You’re not eligible if you’ve opened or closed another ThankYou card in the last 24 months. Otherwise, there would be zero hesitation. This is the highest offer ever for this card.

Citi ThankYou Premier Bonus = $800

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For Advanced Players: The Citi ThankYou Premier 60,000 Point Offer Is Easily Worth $900

Dang, I just checked my credit file, and it looks like I closed my last Citi ThankYou Premier card in June 2017. I still have my Citi Prestige card open (and can’t wait to see how they refresh it this month).

According to Citi’s rules, I’m not eligible to earn another bonus on a ThankYou card because I’ve opened OR closed a ThankYou card within the last 24 months. But man, if you’re eligible to apply for this offer, there is absolutely no reason you shouldn’t hop all over it – especially if you’re over 5/24.

I have some FOMO about this offer. Because this offer is an easy $900 toward travel.

citi thankyou premier 60000

I use Citi ThankYou points all the time – including for flights to Belgium to stroll the gorgeous river that runs through Bruges

Here’s my expert analysis. 🧐

Dat Citi ThankYou Premier 60,000 point offer tho

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6 Cards to Consider If You’re LOL/24 (No Chase on This List!)

There’s zero doubt Chase cards are the best to get first. Their products have high sign-up offers, excellent ongoing benefits, and strong category bonuses.

But… Chase shutdowns are increasing – even if you haven’t opened a Chase card in recent past. And, they have aspirations to use their 5/24 rule for ALL their cards. (Which is ridiculous, especially for the co-branded cards because you want people to actually get them, right?)

best cards over 5/24

I’ll have to accept this was the last Chase card I might ever get 🙁

I just earned 100,000 British Airways Avios points on the Chase British Airways card. But between shutdowns and 5/24… I might be done with Chase for a while.

I regret not ever having the Chase Freedom Unlimited for everyday non-bonus spending. Although with my current cards, I should be good for lots of Chase Ultimate Rewards with organic spending.

Anyhoo, I’ve been thinking of card options if you’re helplessly over 5/24, or just don’t want to mess with Chase any more.

Here are the 7 best!

Best cards over 5/24 and/or done with Chase

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Bottom of the Barrel: Have I Gotten All the Points & Miles Cards I Possibly Can?

I wanna type out loud for a sec to assess which card offers I can still earn. Before I begin, I know there aren’t many.After all, I currently have about 30 cards and have rotated through many others since I started the points & miles game in 2012 (and heavily in 2013).

which cards are left

My first award trip was to Hawaii in 2013, with Delta miles and Hilton points

So what’s left for me? I know it’s not much.

Let’s take a deep dive.

Which cards are left that I can even get?

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