Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo)

All the Hacks with Chris Hutchins

Chris Hutchins

Business, Education, Investing, Society & Culture, Places & Travel, Self-improvement

4.7 • 1.4K Ratings

🗓️ 21 May 2025

⏱️ 62 minutes

🔗️ Recording | iTunes | RSS

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Summary

228: A deep dive into Citi’s credit card lineup. I've recently opened up a few Citi cards and am very excited about sharing the best Citi cards, how to maximize ThankYou Points, the best airline and hotel transfer partners, and how Citi’s best two-card combo stacks up against other major issuers. Link to Full Show Notes: https://chrishutchins.com/citi-credit-cards-thank-you-points Partner Deals Thrive Market: 30% off your first order of organic groceries + a free $60 gift Facet: Personalized Financial Planning + $250 enrollment fee waived Storyworth: Share your family stories in a custom book (+ $10 off) LMNT: Free sample pack of my favorite electrolyte drink mix Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Chris' Best Cards Page Citi Cards Tier List ThankYou® Points Cards Citi Strata Premier℠ Card AT&T Points Plus Card Citi ThankYou® Mastercard® Citi® Double Cash Card Citi Custom Cash Credit Card AAdvantage Cards American Airlines AAdvantage® MileUp℠ Card AAdvantage® Platinum Select® Airline Mastercard AAdvantage® Executive World Elite Mastercard AAdvantage Business™ World Elite Mastercard® Costco Cards Costco Anywhere Visa® Credit Card Costco Anywhere Visa® Business Card Other Citi Cards Shop Your Way Mastercard EVA Air How to book Vacasa Vacation Rentals with Wyndham points CardPointers Pro: 30% off here and 50% off here ATH Podcast Luxury Hotel Upgrade Program Airline/Hotel Transfer Partner Spreadsheet Credit Card Optimizer Tool Membership: Join here Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Full Show Notes (00:00) Introduction (02:10) Quick Intro of the Credit Card Tier List (03:48) Review of Citi Strata Premier℠ Card (06:49) AT&T Points Plus Card and Citi ThankYou® Mastercard® (08:29) 2% Unlimited Cash Back: Citi® Double Cash Card (10:23) Earn 5% Cash Back Using the Citi Custom Cash Credit Card (12:35) The Citi–American Airlines Ecosystem (16:08) American Airlines AAdvantage® MileUp℠ Card (17:34) AAdvantage® Platinum Select® Airline Mastercard® Perks (18:51) Lounge Access and Benefits: AAdvantage® Executive World Elite Mastercard® (23:02) Why AAdvantage® Business World Elite Mastercard® Is Chris’ Favorite (29:24) Are the Citi Costco Cards Worth It? (33:12) Shop Your Way Mastercard (38:13) Other Citi Cards Without Any Benefits (39:18) ATH Member Deep Dive Discussions (39:47) Citi Rules (43:36) Citi ThankYou® Points Program (44:31) Citi's Airline Partners (46:31) Hotel Transfer Partners Unique for Citi (49:20) Transfer Bonuses and Limitations (52:17) High-Level Summary of Citi Cards (53:09) Best Two-Card Combos for Each Issuer (57:43) Factors That Make Citi Cards Less Exciting (58:39) Citi Merchant Offers Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Despite having dozens of credit cards and millions of points, I recently went deep on Citibank,
0:07.0	which led me to opening a few new City cards, and now I'm thinking that City might be one of the most underrated issuers for earning points on your spending.
0:15.0	So today I'm going to go deep on the entire City card lineup, highlighting the ones you might want to consider and putting them in a tier list. I'll break down City's thank you points program and the best ways to use those points.
0:25.5	I'll share a bunch of tips and tricks I've picked up from my experience with City.
0:29.4	And finally, I'll be putting City's top two card combo up against the best two card combos
0:34.1	from every other major issuer. And I think you will be shocked at what I
0:37.5	learn. I'm Chris Hutchins, and if you enjoy this episode, please share it with a friend,
0:41.3	and if you want to keep upgrading your life, money, and travel, click follow or subscribe.
0:45.5	Now, let's get into it right after this.
0:49.1	This episode is brought to you by Thrive Market. You know that feeling when you're standing
0:53.5	in the grocery store, staring at labels, trying
0:55.8	to figure out what's actually healthy, but the ingredient list is so confusing?
0:59.9	With two young kids, we are constantly trying to make sure the whole family eats clean,
1:03.7	healthy food, but it can be a lot of work to make that happen.
1:07.3	That's why I love Thrive Market.
1:08.9	They're my go-to online grocery store for getting healthy essentials delivered straight to our door.
1:13.6	And unfortunately, there are over 10,000 food additives allowed in the US, and it's hard to know what's actually safe.
1:19.6	So I love that Thrive Market bans over a thousand harmful ingredients.
1:23.6	Their team does all the hard work and make sure every product meets high quality clean standards.
1:29.4	For example, one brand we love from Thrive is Simple Mills. We feel so good giving it to our kids.
1:34.3	Their sea salt almond flour crackers are fantastic. And lately, I just can't stop eating their sweet thins.
1:40.5	Plus, Thrive Market has tons of filters so you can easily shop by your needs, whether it's
	...

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