Citi
ThankYou Points are the only major bank currency with American Airlines access, and Citi's no-fee cards quietly upgrade into transferable points.
Application Rules
- ▸1 card per 8 days, max 2 per 65 days
- ▸48-month bonus clock on Strata cards
- ▸Citi is sensitive to recent inquiries
Tracked Citi Cards
Citi's 2025 entry into the premium wars, with weekend dining 6x.
80,000 pts bonus (≈$1,440)AF: $595Rating: 8.2/10
3x on five everyday categories. The broadest mid-tier earner.
75,000 pts bonus (≈$1,350)AF: $95Rating: 8.6/10
Citi Double CashCiti
The benchmark 2% card, that secretly earns transferable points.
20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10
Citi Custom CashCiti
Automatic 5% on your top category every month. Zero effort.
20,000 pts bonus (≈$200)AF: $0Rating: 8.4/10
The standard-issue American Airlines card, fee waived year one.
75,000 pts bonus (≈$1,050)AF: $99Rating: 8.2/10
Admirals Club membership with a credit card attached.
70,000 pts bonus (≈$980)AF: $595Rating: 8.0/10
Citi Rewards+Citi
Every purchase rounds up to the nearest 10 points.
20,000 pts bonus (≈$360)AF: $0Rating: 7.0/10
The business-side door into American Airlines miles.
65,000 pts bonus (≈$910)AF: $99Rating: 7.9/10
A no-fee secured card from a major bank, with a clear 18-month runway.
Special bonusAF: $0Rating: 6.0/10