I earn a commission for some links on this blog. Citi is a MileValue partner.

The AT&T Access More Card from Citi comes with a $650 credit toward the purchase of a new smartphone after $2,000 in purchases in the first three months and 3x points on online purchases at retail and travel sites.

AT&T Access More Card from Citi

The $650 credit is enough to get a brand new iPhone 6 for free, and the 3x points on online purchases can turn into 4.8% back toward the purchase of American Airlines flights.

Quick Facts

  • Sign Up Bonus: A free phone (up to $650) after spending $2,000 in the first three months
  • Category Bonuses: 3x ThankYou Points on purchases made online at retail and travel websites, 3x ThankYou Points on products and services purchased directly from AT&T
  • Anniversary Bonus: 10,000 bonus ThankYou Points after spending $10,000 in the previous cardmember year
  • Value of ThankYou Points: Worth 1 cents toward the travel expenses. However, you can combine these ThankYou Points into an account associated with a Citi Prestige, which would make them worth 1.6 cents toward the purchase of American Airlines flights OR allow them to be transferred to 11 airlines‘ miles. If you don’t have a Prestige, combine them with points from a Citi ThankYou® Premier Card to make them worth 1.25 cents toward any flight, hotel, car rental, or cruise or transferable to those 11 airlines.
  • Global Acceptance: Chip technology but a 3% foreign transaction fee, so avoid using it abroad
  • Annual Fee: $95

Sign Up Bonus

To earn yourAT&T Access More Phone Offer credit, you must make $2,000 in purchases in the first 3 months of account opening, which can include your eligible phone purchase. Phone offer is not available if you have had an AT&T Access More Card account that was opened or closed in the past 18 months. Balance transfers, cash advances, account fees, interest and items returned for credit are not purchases.

Eligible Phones 

Only phones purchased from AT&T at full retail price (no annual contract) through the link provided to you by Citi are eligible. You must activate the phone with qualifying AT&T postpaid wireless service (including voice and data as applicable) and keep the phone, and remain active and in good-standing, for at least 15 days.

User lakeshoredrive was the first to provide the link that shows which phones are eligible for the up-to-$650 credit. There’s no trickery. All the top models are being offered.

Screen Shot 2015-05-28 at 5.21.00 AM Screen Shot 2015-05-28 at 5.21.16 AM

The credit is enough to get a free-except-taxes iPhone 6. After the $650 credit, an iPhone 6 Plus starts at $100, and a Galaxy S6 at $35.

Offer Redemption

You must purchase an eligible phone from AT&T with your AT&T Access More Card from Citi using the Phone Offer Link created individually for you.

There’s a report of one person ordering his phone the day after receiving his card and the phone arriving the next day.

You may redeem the Phone Offer using the link at any time after your Card account opening. Once you have made $2,000 in purchases within the first 3 months of your Card account opening, and purchased and activated your eligible phone, Citi will credit your account for the cost of the eligible phone you purchased up to $650 (exclusive of taxes, fees, shipping and wireless service) within 1 to 2 billing cycles. If you choose to purchase an eligible phone which costs more or less than $650, your credit will equal the cost of the phone or $650, whichever is less.

I haven’t seen reports of the credit being received yet, but the card is so new that no one has waited the required 1 to 2 billing cycles.

General Offer Terms

Offer is valid for a one time statement credit up to $650 for one eligible phone, is not transferrable and so long as your card account is open and current, does not expire. Offer is not combinable with other discounts on devices. If you close your account prior to redeeming your credit, the credit is forfeited. Terms subject to change.

Earning ThankYou Points

Category Bonuses

Getting a free iPhone is the headline grabber, but this card has sneaky big potential for every day spending. The card earns:

  • 3x ThankYou Points on purchases made online at retail and travel websites
  • 3x ThankYou Points on products and services purchased directly from AT&T

Retail websites are websites that sell goods directly to the consumer through an online website and include department store websites, specialty store websites, warehouse store websites and boutique websites. Travel websites are websites that allow you to book travel and include online travel agencies, hotel websites and airline websites. Purchases not eligible to receive the additional ThankYou Points include but are not limited to payment for or to medical services, insurance, taxes and government services, education, charities and utilities.

User x9bull reported getting 3x points for online purchases at “amazon, 6pm, guess, spear, drugstore, kohl’s” but not at “Stylenanda (billed as www.eximbay.com).”

My take is that almost all direct retail and travel websites, including the ones where you probably spend the most money like airline sites, Amazon, Walmart, and more, will earn 3x ThankYou Points.

Annual Spending Bonus

Any cardmember year that you spend $10,000 on the card, you get a bonus 10,000 ThankYou Points at the start of the the next cardmember year.

So if you get the card May 28, your cardmember year is May 28, 2015 – May 27, 2016, and you’ll get your bonus probably in early June 2016.

This is pretty generous, since most of your spending will probably already be earning 3x points from category bonuses.

Value of ThankYou Points

Citi’s ThankYou program is a bit confusing because the value of the points depends on the card on which you earn them. The AT&T Access More Card from Citi earns the least valuable ThankYou Points, worth just 1 cent each.

But Citi allows you to combine all your ThankYou Points into one account or gift your points to anyone, and these are easy ways to increase the value of your ThankYou Points.

Combine or Share with Prestige

If you have a Citi Prestige® Card (or share your points with someone who does), the points instantly become worth 1.6 cents each toward any American Airlines or US Airways flight or 1.33 cents toward any other airline’s flights. Or you’d be able to transfer these ThankYou Points to 11 airlines’ miles or Hilton points.

This is the ideal scenario.

Under this scenario, your online shopping now earns 4.8% back toward American Airlines flights or 3 Singapore/Air France/Virgin Atlantic miles per dollar. That’s unbeatable on Amazon and other online purchases!

Combine or Share with Premier

If instead you have a Citi ThankYou® Premier Card (or share your points with someone who does), the points instantly become worth 1.25 cents toward any airline’s flights. Or you’d be able to transfer these ThankYou Points to 11 airlines’ miles or Hilton points.

Under this scenario, your online shopping now earns 3.75% back toward any flights with no blackouts or 3 Singapore/Air France/Virgin Atlantic miles per dollar.

Getting a Second Citi Card

If you get the AT&T Access More Card from Citi, I highly recommend getting the Citi Prestige like I did to maximize the value of your ThankYou Points. You CANNOT be approved for two Citi cards on the same day. Wait 8+ days after the first application before the second application.

You CANNOT get three Citi cards in short order either. Make sure there is at least 65 days between your first and third Citi card applications if you want to get a free smartphone plus 106,000 ThankYou Points by getting the AT&T Access More Card from Citi, Citi Prestige, and Citi ThankYou Premier.

Fees

The card has a $95 annual fee. In year one, that is swamped by the $650 credit and 3x for online retail and travel purchases. In subsequent years, that is swamped by the 10,000 point annual spending bonus and 3x for online retail and travel purchases.

The card also has a 3% foreign transaction fee, so don’t use it abroad. The Citi Prestige, and Citi ThankYou Premier have no foreign transaction fees.

Bottom Line

The AT&T Access More Card from Citi offers up to $650 off a new phone after spending $2,000 in the first three months plus 3x for online retail and travel purchases.

The ThankYou Points earned on the card are only worth 1 cent each, but if you also have a Citi Prestige or Citi ThankYou Premier, the points become transferable to airline miles or at least more valuable when redeemed for flights on any airline with no blackouts.

Offer details:

AT&T Access More Card from Citi

  • Exclusive New Phone Offer*
  • 3 ThankYou Points for every $1 you spend on purchases made online at retail and travel websites*
  • 3 ThankYou Points for every $1 you spend on products and services purchased directly from AT&T*
  • 1 point earned for every $1 you spend on other purchases*
  • 10,000 Anniversary bonus points after you spend $10,000 in prior cardmembership year*

Application Links:

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The Citi ThankYou® Premier Card has improved the redemption rate of its ThankYou Points by 25% for hotels, cruises, and car rentals.

Screen Shot 2015-04-20 at 7.36.03 PM

The Citi ThankYou® Premier Card comes with 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening. Those 50,000 points are now worth $625 toward airfare, hotels, cruises, and car rentals (25% more.) From the card’s application page:

Screen Shot 2015-05-27 at 2.36.42 PM

I went into my thankyou.com account to search for car rentals, and the results showed a 1.25 cents per point valuation.
Screen Shot 2015-05-27 at 2.39.14 PM

It’s fantastic that Citi made car, hotel, and and cruise redemptions more valuable, but I don’t expect to use this new benefit. Here are two easy ways to get way more than 1.25 cents of value from your ThankYou Points:

  1. Open the Citi Prestige® Card in addition to your Citi ThankYou® Premier Card. Combine the ThankYou Points earned on each card into a single account. From that account, you can redeem points like cash toward American Airlines flights (1.6 cents) or any other airlines’ flights (1.33 cents) at a higher rate than 1.25 cents per point.
  2. Transfer ThankYou Points earned on the Citi ThankYou® Premier Card to 11 airlines at a 1:1 rate. I value Singapore miles, Air France Flying Blue miles, and Virgin Atlantic miles all at well over 1.25 cents each. Check out the top redemptions you can make with ThankYou Points transferred to miles in those programs.

Bottom Line

The Citi ThankYou® Premier Card now offers 1.25 cents per point toward car rentals, hotel bookings, and cruises. That’s a 25% increase!

That makes the 50,000 point sign up bonus worth $625 in car rentals, hotel stays, or cruises. It makes the 3x category bonus on travel and gas worth 3.75% back toward car rentals, hotel stays, or cruises. And it makes the 2x category bonus on dining and entertainment worth 2.5% back toward car rentals, hotel stays, or cruises.

However, I don’t plan on using this enhancement. My ThankYou Points from my Citi ThankYou® Premier Card are combined with my points from my Citi Prestige® Card, so I can get 1.6 cents per point toward the purchase of American Airlines flights. Or I can transfer my points to Singapore, Air France, and Virgin Atlantic miles and book sweet spot awards.

Hat Tip Frequent Miler

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Earn 50,000 bonus points (worth $800 in American Airlines flights) after spending $3,000 in the first three months on the Citi Prestige® Card. Plus get an additional $500 in free airfare on any airline in the first 12 months plus free airport lounge access worldwide for only a $450 annual fee. Why I got the card.

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Last month Citi improved the offer on the Citi Prestige® Card, which comes with 50,000 bonus ThankYou Points after $3,000 in purchases made with your card in the first 3 months the account is open, a $250 Air Travel Credit per calendar year, access to the American Airlines Admirals Clubs and Priority Pass lounges, 3x points per dollar on air travel and hotels, and a $450 annual fee.

The Citi Prestige® Card competes at the top of the market with other high annual fee/high benefit cards like the American Express Platinum and Citi Executive American Airlines Card. I compared the Citi Prestige and AMEX Platinum in Citi Prestige vs. American Express Platinum. Better Card? Now I’ll compare the Prestige and Executive, two cards from Citi with identical annual fees and similar lounge access. I’ll break down the comparison by:

  • value of points
  • sign-up bonus
  • category bonuses
  • lounge access
  • statement credits
  • other benefits
  • annual fee

I’ll foreshadow a little bit by saying that overall the Citi Prestige® Card is the much better card UNLESS you use American Airlines lounges quite a bit when NOT flying American Airlines or US Airways (a rather rare condition probably) or only want to earn rewards that are great for international Business and First Class.

Note: I am using the this link for the Citi / AAdvantage Executive World Elite MasterCard, which is the best offer I see (50k miles). Last year there was a 100k link for the card.

Value of Points

The Executive card earns American Airlines miles, which I value at 1.8 cents each. The Citi Prestige® Card earns ThankYou Points, which I value at 1.8 cents each. Despite the identical valuation, the rewards have completely different uses. It’s like how your phone and laptop might each cost $800, but they aren’t used for the same things.

American Airlines miles are ideal for international Business and First Class on luxurious American Airlines partners like Etihad, Cathay Pacific, and Japan Airlines. They are also ideal for international economy awards to South America, Asia, and occasionally Europe at off peak times for steep discounts.

American Airlines miles are weak in the same way all airline miles are weak. You shouldn’t collect them if you generally have to travel fixed dates or want to travel over peak times like Christmas and New Year. Airline miles work best when you are flexible.

Citi ThankYou Points transfer to 11 airlines and one hotel:

  • Cathay Pacific Asia Miles
  • EVA Air Infinity MileageLands
  • Etihad Guest
  • Garuda Indonesia Frequent Flyer
  • Qatar Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchard Plus
  • Air France/KLM Flying Blue
  • Malaysia Airlines Enrich
  • Virgin Atlantic Flying Club
  • Qantas miles
  • Hilton HHonors

My two ThankYou Points favorite transfer partners are Singapore Airlines and Air France Flying Blue. (Click links to see why.) ThankYou Points have a transfer partner in each of the three major alliances meaning they can be used to book approximately three times as much award space as American Airlines miles. However, most ThankYou Points partners impose fuel surcharges on nearly every award, while American Airlines miles impose fuel surcharges only on British Airways and Iberia award flights.

Beyond transferring to miles, ThankYou Points have another excellent use for which the Executive card has no answer.

  • ThankYou Points earned on the Prestige offer you 1.33 cents toward any flight or 1.6 cents toward any American Airline or US Airways flight.

That makes ThankYou Points good for saving cash on low-cost carrier tickets–which are often impossible to book with miles–or American Airlines and US Airways flights if you are going for status on American Airlines, so you want to fly paid tickets. (Airlines see tickets purchased directly with points as paid tickets because Citi is buying the ticket on your behalf.)

Bottom Line: American Airlines miles and ThankYou Points have complementary strengths. Ideally you’d earn both or at least the one that fits your travel goals better. I value them equally, but they are not similar.

Sign Up Bonus

I already mentioned that I value the points equally, so this would be a wash except that the AAdvantage card has a higher spending requirement. That’s important because you could take that extra money and nearly meet the spending requirement on a second card that earns ThankYou Points, the Citi ThankYou® Premier Card.

Here’s a post about Getting $2,800 in American Airlines Flights in Five Steps from Opeing the Prestige and Premier about a week apart.

Category Bonuses

  • Executive: 2x miles on AA/US purchase and 1x mile on all other purchases
  • Citi Prestige® Card
    • Earn 3x points on Air Travel and Hotels
    • Earn 2x points on Dining at Restaurants and Entertainment
    • 1 ThankYou® Point per $1 spent on other purchases

After hitting the minimum spending requirement on the Executive card, it doesn’t offer an attractive proposition to continue spending on the card. The only category bonus is 2x on purchases from American Airlines or US Airways. Even those purchases are better with the Prestige, which offers 3x on air travel and hotels.

The Citi Prestige® Card aims to attract continued spending. It aims to be a card you actually use day-to-day, and I think it succeeds. All the benefits of the Citi Prestige® Card are primarily valuable to travelers, so I will assume the average cardholder spends quite a bit on air travel and hotels, which rack up ThankYou Points at a rate of 3x per dollar. Restaurants and entertainment–common costs while traveling and at home–earn 2x per dollar.

I know a lot of people, for simplicity, only want to have one card. I don’t think the Executive has any case to be your one card because the earning rate is so low. The Citi Prestige® Card could be that card if you want a card with good earning and great benefits (below) as long as you can get good value out of ThankYou Points (above.)

To figure out the extra value of the Citi Prestige® Card‘s category bonuses to you, multiply your dining and entertainment by your valuation of ThankYou Point as if it were a percentage and your air travel and hotel expenses by double your valuation of a ThankYou point.

For instance, I spend about $7k on dining and entertainment and $3k on airfare and hotels per year. I value ThankYou points at 1.8 cents.

7000 * 1.8% + 3000 * 3.6% = $234

That’s $234 of extra value per year from having the Citi Prestige® Card‘s category bonuses versus basically none on the Executive. I imagine many people spend quite a bit more than me in those categories. For them, the Citi Prestige® Card would be even more valuable.

Lounge Access

  • Executive: American Airlines Admirals Club Membership (free access no matter who you’re flying for you plus your immediate family or any two guests)
  • Citi Prestige® Card: Priority Pass Select + American Airlines Admirals Clubs when flying American

Holding an Executive card makes you a member of the Admirals Club. Membership entitles you to free entry to American Airlines lounges no matter which airline you’re flying. For instance, last month I was flying Alaska Airlines out of Honolulu, but I could still access the Admirals Club lounge there with my Executive card. I could even bring in my friend for free because every visit members can bring in their spouse and children free or up to two guests free.

The Prestige card offers American Airlines lounge access when flying American Airlines, NOT membership. The difference is that you have to present a boarding pass on American Airlines or US Airways for a flight in the next 12 hours or one that landed in the last 12 hours to get in.

If you are flying American Airlines or US Airways that day, the same guest policy as the Executive applies to the Prestige: you can bring in your immediate family (spouse, domestic partner, children under 18) or up to two guests for free.

In addition to American Airlines lounge access, the Prestige comes with Priority Pass Select Membership. I use that at least as much as American Airlines lounge access to get into airport lounges worldwide like the LAN lounge in Bogota, the Alaska Airlines Board Room in Seattle, the Virgin America Loft at LAX, and many, many more. To Priority Pass lounges, you can also bring in your immediate family (spouse, domestic partner, children under 18) or up to two guests for free.

I think for 99% of people the Prestige’s lounge access will be better than the Executive’s. You’ll tend to be flying American Airlines when you’re at an airport with one of the 50 American Airlines lounges, and the cards offer equal access in that case. In addition, the Prestige has Priority Pass, which give access to 700 more lounges in more than 120 countries and 400 cities worldwide.

The only scenario in which Executive’s lounge access is more valuable is a very weird one in which you never travel to an airport with a Priority Pass lounge, but you travel through airports with Admirals Clubs all the time while NOT flying American Airlines. I doubt many people have that travel pattern, maybe a Delta loyalist in Miami.

Most people who are paying the $450+ annual fee year after year for one of these cards are primarily doing it for the lounge access, so think carefully about which set of lounge access works better for you.

Statement Credits

  • Executive: $100 once every five years for Global Entry
  • Citi Prestige® Card: $250 per calendar year for airline fees or airline tickets. $100 once every five years for Global Entry

Both offer a Global Entry Statement credit, but the Citi Prestige® Card is the clear winner in the statement credit game. The Citi Prestige® Card has a $250 per calendar year credit that can apply to airfare, award taxes, baggage fees, or pretty much any other charge from an airline.

This benefit alone makes the Prestige a great idea for at least one year, since you can get two calendar year credits in the first year of cardmembership plus the Global Entry credit. You’ve already more than offset the big annual fee on the Prestige before considering the lounge access and sign up bonus. These credits are a big reason why I value the sign up bonus on the Prestige at $1,250.

Other Benefits

The Citi Prestige® Card offers the 4th night free on hotel stays booked through its travel provider and three free rounds of golf per calendar year.

The Executive offers priority checkin, security, and boarding on American Airlines flights plus a free checked bag on American Airlines flights. (Remember the $250 Air Travel Credit on the Prestige could pay for 10 checked bags per year.)

Which benefits you more depends on your travel style.

Annual Fee

The annual fee on the Citi / AAdvantage Executive World Elite MasterCard is $450. You pay it with your first statement, and again 12 months later if you don’t cancel the card.

The annual fee on the Citi Prestige® Card is $450. You pay it with your first statement, and again 12 months later if you don’t cancel the card.

For a person who wants Admirals Club membership for $450 per year, the Executive’s fee is worth paying in perpetuity. For a person who can use his $250 Air Travel Credit every calendar year–AKA everyone reading this blog–the Citi Prestige is definitely worth getting in year 1 and worth keeping if you value its lounge access at $200+ per year.

Which Card is Better?

Which card is better depends on you. Hopefully I’ve laid out how to think about each card’s benefits, but the actual thinking is left to you.

For folks who want Priority Pass access, American Airlines lounge access when flying AA/US, big category bonuses on spending, $600 in statement credits in year 1, and great rates on using points to pay for airline tickets (especially on American/US Airways), the Citi Prestige® Card is better.

For folks who want American Airlines lounge access no matter which airline they’re flying and want American Airlines miles for partner premium cabin redemptions, the Executive is better.

I have both currently. I’ll cancel the Executive in the next few weeks to avoid paying its annual fee again. I’ll keep the Prestige indefinitely because its annual fee is more than offset by the Air Travel Credit and lounge access.

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Earn 50,000 bonus points (worth $800 in American Airlines flights) after spending $3,000 in the first three months on the Citi Prestige® Card. Plus get an additional $500 in free airfare on any airline in the first 12 months plus free airport lounge access worldwide for only a $450 annual fee. Why I got the card.

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Citi offers you the chance to create Virtual Account Numbers for any of your credit cards to add an extra level of security for online purchases.

You can set how long you want a new virtual account number to last and how much can be charged to it. With your new virtual account number, virtual account expiration date, and virtual account three-digit code on the back, you can make purchases wherever cards don’t need to be swiped, and the purchases will be charged to your account.

The merchant never knows your “real” account details.

How to Create a Virtual Account Number for Your Citi Card

Inside your citicards.com account, click Virtual Account Numbers on the right hand menu.

Screen Shot 2015-05-07 at 2.14.24 PM

Don’t worry if the top of the next page features one of your credit cards and you want a Virtual Account Number for a different card; you have the chance to choose later.

Both times I’ve tried to create a Virtual Account Number, Citi has made me type in an identification code that they text to the phone number in my account.
Screen Shot 2015-05-07 at 2.15.01 PM

After entering the Identification Code, I chose to launch the Virtual Account Number generator. Then under Virtual Account Numbers, I chose Advanced Options to select the card for which I want a virtual number.

Screen Shot 2015-05-07 at 6.11.57 PM

My three active Citi cards were listed, and I chose my American Airlines Executive card by number.

Screen Shot 2015-05-07 at 6.12.02 PM

I chose to generate a Virtual Account Number with both a time and dollar limit.

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The time limit must be between two and 12 months.Screen Shot 2015-05-07 at 6.14.25 PMAfter clicking a few times that I really, really wanted the Virtual Account Number generated, it finally appeared on a generic blue credit card on my screen. The card lists a new credit card number, expiration date, and three-digit code.
Screen Shot 2015-05-07 at 6.19.13 PM Screen Shot 2015-05-07 at 6.19.23 PMI can use this number for the next two months for up to $100.01 in spending. All charges will go to my American Airlines Executive card statement.

Citi Virtual Account Numbers are easy to create and can be very useful. If you are buying something online from a site about which you have your doubts, you can create virtual number, so the site doesn’t have your details. If you want your kid at college to buy something online with your credit card number, but don’t want him to buy anything else, use a virtual account number.

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Earn 50,000 bonus points (worth $800 in American Airlines flights) after spending $3,000 in the first three months on the Citi Prestige® Card. Plus get an additional $500 in free airfare on any airline in the first 12 months plus free airport lounge access worldwide for only a $450 annual fee. Why I got the card.

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The Citi Prestige® Card now comes with 50,000 bonus ThankYou Points after $3,000 in purchases made with your card in the first 3 months the account is open. (How ThankYou Points Work)

It also comes with a $250 Air Travel Credit each calendar year. I can understand why some people are initially scared of the card’s $450 annual fee, but I cannot understand why anyone would skip the card because of the annual fee. For the first year, the Air Travel Credit, at $500, is worth more than the $450 annual fee.

The Air Travel Credit is designed to offset air fares, baggage fees, award fees, lounge access, and some in-flight purchases. It resets after your December statement closes each year, so if you get the Citi Prestige® Card, you can use the Air Travel Credit for $250 in 2015 and $250 in early 2016 before a second annual fee is due.

How does the $250 Air Travel Credit Work?

When Do You Get the Credit?

Each time your statement closes, charges on that statement that coded as Air Travel are credited back to your account until $250 in credits are received for the calendar year.

I used my entire $250 credit for 2015 up on my first statement. I’ll get a new $250 Air Travel Credit starting in January 2016, and I will undoubtedly use it up before my second annual fee is due in May 2016. That means I will have gotten $500 in free airfare and award fees for my first $450 annual fee. I already come out ahead before factoring in my 50,000 bonus points, airport lounge access, $100 Global Entry credit, three free rounds of golf, and the fourth night free on paid hotel stays.

Here’s what my first statement of my Citi Prestige looks like on citi.com:

Screen Shot 2015-05-06 at 2.36.26 AM

Let’s take a look at my highlights. On the top, you can see that I got the full $250 Air Travel Credit. It’s not an all-or-nothing credit; I just happened to use it all this month. If I had only made the $24.40 Delta charge, I would have gotten a $24.40 credit.

Next I highlighted in yellow all the charges that coded as Air Travel. The six charges are two award taxes, two airfares, and two bag fees.

  • $24.40: Delta award tax on an award from Chicago to Buenos Aires that I haven’t written about yet
  • $138.17: Turkish airfare for flights from Vilnius, Lithuania to Belgrade, Serbia this summer
  • $23.36: Singapore award tax on an award from Washington to Madrid that flies United
  • $25: Alaska Airlines bag fee
  • $15: Hawaiian Airlines bag fee
  • $97.47: Norwegian airfare on a flight from Madrid to Helsinki this summer

That adds up to $323.40 in Air Travel charges, so I got the maximum $250 Air Travel Credit.

I can’t imagine any reader of this blog not maxing out the credit each calendar year, since we hopefully all book enough award trips or low cost carrier flights.

Your PDF or mailed statement shows how much of your Air Travel Credit you’ve used, and how much you have left. Mine is all gone.

Screen Shot 2015-05-06 at 3.50.44 AM

What didn’t earn the credit?

On my Alaska Airlines flight, I paid $1.99 to watch a TV show, a purchase which was processed by Gogo, not Alaska Airlines. I highlighted the charge in red on my statement because it coded as Computer Networking and did not trigger the Air Travel Credit.

Do You Earn Points on Your Purchases That Are Refunded with the Air Travel Credit?

One of the category bonuses of the Citi Prestige® Card is 3x on Air Travel and Hotels. I actually earned 4x on my purchases that were refunded by the Air Travel Credit.

This was the summary of my first statement.
Screen Shot 2015-05-06 at 3.51.19 AM

Notice I had only $372.80 in purchases. As I mentioned above, $323.40 of that was Air Travel. The other $49.40 was the Gogo TV purchase and a purchase at a Bogota supermarket (that I made because the Citi Prestige® Card has no foreign transaction fees.)

Here’s the statement of ThankYou Points earned.

Screen Shot 2015-05-06 at 3.51.29 AM

 

  • 970 = 3 x $323.40 in Air Travel purchases
  • 49 = 1 x my Gogo and supermarket purchases
  • The last 250 must be an unexpected bonus for clearing my $250 Air Travel Credit

That means I earned 4x total on purchases that were refunded by my Air Travel Credit.

Bottom Line

To summarize:

  • Airfare, baggage fees, and award taxes all definitely are covered by the Citi Prestige $250 annual Air Travel Credit. Pretty much any charge from the airline, including upgrade fees, lounge access, and inflight food and beverage purchases should count too.
  • Charges processed by Gogo do not count.
  • You get any credit you’ve earned at the same time as your statement closes.
  • You earn 4x ThankYou Points per dollar on all purchases covered by the Air Travel Credit.
  • My Air Travel Credit resets in January 2016, so I’l get $500 worth of Air Travel Credits for my first $450 annual fee.

Just Improved 4/9/15: Citi Prestige® Card with 50,000 bonus ThankYou Points after $3,000 in purchases made with your card in the first 3 months the account is open

My review of the Citi Prestige Card, which explains its many benefits like $250 in airfare or airline fee credits per calendar year, access to the American Airlines Admirals Clubs and Priority Pass lounges, 3x points per dollar on air travel and hotels, and a $450 annual fee.

 

  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 50,000 bonus ThankYou® Points after $3,000 in purchases made with your card in the first 3 months the account is open.
  • Points are redeemable for an $800 flight on American Airlines or US Airways®, a $665 flight on any other airline or $500 in gift cards.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases

Application Link: Citi Prestige® Card

 

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Currently ThankYou Points earned on the Citi Prestige® Card and Citi ThankYou® Premier Card can be transferred to 11 types of airline miles or Hilton points.

Screen Shot 2015-03-23 at 11.01.54 AM

  • Cathay Pacific Asia Miles
  • EVA Air Infinity MileageLands
  • Etihad Guest
  • Garuda Indonesia Frequent Flyer
  • Qatar Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchard Plus
  • Air France/KLM Flying Blue
  • Malaysia Airlines Enrich
  • Virgin Atlantic Flying Club
  • Qantas miles

Right now both the Citi Prestige® Card and Citi ThankYou® Premier Card are offering 50,000 bonus points after spending $3,000 in the first three months. You can get both like 8+ days apart for 106,000+ ThankYou Points. I got both, including the Prestige last month, and I expect to have a sizable balance of ThankYou Points shortly. While I love Singapore Airlines, Air France, and Virgin Atlantic as transfer partners for awards, I don’t see value in the other partners.

I’d love for ThankYou Points to add more partners, as they’ve done frequently over the past year. The pipe dream would be adding United, Delta, or Alaska Airlines as partners, but all three have strong relationships with other banks that makes their additions extremely unlikely.

Instead of dreaming, I’ve made a realistic list of three partners I’d like to see ThankYou Points add.

1. American Airlines AAdvantage

Why The Partnership Is Realistic

American and Citi already have a strong partnership. Citi issues both the Citi® / AAdvantage® Platinum Select® MasterCard® and CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®, which each offer 50,000 bonus miles after spending $3,000 in the first three months.

Furthermore the Citi Prestige® Card offers a better rate when you redeem points like cash for American Airlines than when you redeem points like cash for flights on other airlines. (Don’t get confused; that last sentence refers to the other major way to redeem ThankYou Points besides airlines transfers. Read about the two good ways to redeem ThankYou Points here.) The Prestige also comes with American Airlines Admirals Club lounge access

Clearly there is a major partnership already in place, which makes me think that the only reason ThankYou Points aren’t transferable to American Airlines miles is because American Airlines is asking too much money for the miles Citi would have to buy to make the transfers.

I’d love for 1,000 ThankYou Points to transfer to 1,000 AAdvantage miles, but if money is an insurmountable issue, I’d accept a lower exchange rate like 1,000 points to 900 or 800 miles if that’s the best Citi could offer us. The major category bonuses like 3x on gas on the Premier would still make these transfers a good deal very often.

Why I Want the Partnership

American Airlines miles are the most valuable miles in the world. They’re great for economy awards–especially American’s unique off peak awards–and for the fanciest First Class in the world. Here’s 10 Awesome Ways to Use American Airlines miles.

Adding American Airlines as a partner of ThankYou Points would increase my valuation of ThankYou Points from 1.8 to 2.0 cents each.

2. Avianca LifeMiles

Why The Partnership Is Realistic

LifeMiles and Citi already have a strong partnership…at least in Colombia where Avianca is based. (In the United States, US Bank issues a weak LifeMiles credit card.)

Screen Shot 2015-04-29 at 2.38.24 AM

I’d love to see Citi leverage its ties with Avianca to forge a deal whereby 1,000 ThankYou Points transferred to 1,000 LifeMiles.

Why I Want the Partnership

LifeMiles are the second best Star Alliance miles in the world behind United. LifeMiles can be used for awards on all 27 Star Alliance members with no fuel surcharges. ThankYou Points’ current partner in the Star Alliance–Singapore Airlines–levies fuel surcharges on almost all Star Alliance partner flights.

Beyond never adding fuel surcharges, LifeMiles can be used at a fair rate for Business and First Class awards, usually much cheaper prices than United would charge for the same partner awards. For instance from Los Angeles to Seoul in First Class on the Asiana A380, United would charge 120,000 miles one way, and LifeMiles would charge only 90,000.

Trip Report of Asiana A380 First Class

Screen Shot 2015-04-29 at 2.47.15 AM
Stretching Out on the Asiana A380 Bed

 

A ThankYou Points-LifeMiles partnership would open up ultra-luxury options within the Star Alliance to folks with LifeMiles and economy redemptions on airlines other than United without fuel surcharges. This would be a coup for ThankYou Points. I’d increase my valuation of ThankYou Points from 1.8 to 1.85 cents.

3. British Airways Avios

Why The Partnership Is Realistic

Avios are a transfer partner of Ultimate Rewards, Membership Rewards, and Starpoints. Clearly British Airways doesn’t mind inking new deals.

British Airways Avios don’t appear to be too expensive for the banks to purchase either, since American Express runs frequent transfer bonuses from Membership Rewards.

Why I Want the Partnership

Right now ThankYou Points have a good transfer partner in the Star Alliance (Singapore) and in SkyTeam (Air France Flying Blue), but all the partners in oneworld are terrible.

Avios aren’t perfect, but they are the best miles for short, direct, economy awards with partners that don’t have fuel surcharges on their flights. See Avios Basics for why Avios are best for those types of flights.

A ThankYou Points-Avios partnership would open up great award options to Hawaii, within the continental United States, within Australia, within Europe, and to a ton more places. This would be a coup for ThankYou Points. I’d increase my valuation of ThankYou Points from 1.8 to 1.85 cents.

Bottom Line

Right now both the Citi Prestige® Card and Citi ThankYou® Premier Card are offering 50,000 bonus points after spending $3,000 in the first three months. You can get both like this for 106,000+ ThankYou Points.

Because ThankYou Points can be used like cash toward any flight on any airlines (at up to 1.6 cents of value per points) and transferred to 11 airlines’ miles on a 1:1 basis, I value the points at 1.8 cents each. That means 106,000 ThankYou Points are worth $1,908 to me–not bad for two credit card bonuses!

But if they could be transferred to American Airlines miles, Avianca LifeMiles, and British Airways Avios, I’d up that valuation to 2 cents each or $2,120 worth of points for signing up for the two cards.

For various reasons, I think American Airlines, Avianca, and British Airways are realistic additions Citi could make to the program.

Your Take

Will American Airlines, Avianca, or British Airways be added as transfer partners? What realistic transfer partners would you like to see added to ThankYou Points?

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Earn 50,000 bonus points (worth $800 in American Airlines flights) after spending $3,000 in the first three months on the Citi Prestige® Card. Plus get an additional $500 in free airfare on any airline in the first 12 months plus free airport lounge access worldwide for only a $450 annual fee. Why I got the card.

I earn a commission for some links on this blog. Citi is a MileValue partner.

This was a popular post two years ago, and I want to update it with all the cards to earn the following miles, which I consider the most important:

  • American
  • Delta
  • United
  • Alaska
  • Singapore
  • British Airways
  • Southwest

This is a good reference if you want to collect a certain type of miles, but this should not be construed as an endorsement to open all the cards on any of the lists.

I haven’t included any analysis, just the sign up bonus. These cards have annual fees, minimum spending requirements, and category bonuses. Read their terms and conditions before applying. If there’s not a direct link, you can get to the card by clicking one of these banners.

Screen Shot 2015-04-24 at 6.40.36 PM

See the footnotes at the bottom for further explanation of some points. The number in parentheses is the sign up bonus of the card.

American Airlines AAdvantage Miles

Citi® / AAdvantage® Platinum Select® MasterCard® (50k)
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® (50k)
Starwood Preferred Guest® Credit Card from American Express (30-31.25k3)
Starwood Preferred Guest® Business Credit Card from American Express (30-31.25k3)
Citi Gold American Airlines personal cards (I saw a targeted 50k by mail in April 2015, online the best I see is 25k)

Delta SkyMiles

Platinum Card from American Express Exclusively for Mercedes-Benz (50k MR1)
Starwood Preferred Guest® Credit Card from American Express (30-31.25k3)
Starwood Preferred Guest® Business Credit Card from American Express (30-31.25k3)
The Business Gold Rewards Card from American Express OPEN (25k MR2)
Gold Delta SkyMiles® Credit Card from American Express (30k)
Gold Delta SkyMiles® Business Credit Card from American Express (30k)
Platinum Card from American Express (25k MR1)
American Express® Premier Rewards Gold Card (25k MR1)
Platinum Delta SkyMiles Credit Card from American Express (10k, also earns MQM)
Delta Reserve Credit Card from American Express (earns MQM)

Screen Shot 2015-04-24 at 6.40.36 PM

 

United MileagePlus Miles

United MileagePlus Explorer Card (personal) (up to 55k, any 30k offer can add an authorized user for 5k, and can be matched 20k higher with a secure message to Chase)
United MileagePlus Explorer Card (business) (50k, inside your United account)
Ink Plus (50k UR+5)
Sapphire Preferred (45k UR+5)
Ink Cash (20k UR-6)
Starwood Preferred Guest® Credit Card from American Express (15,000 to 15,6254)
Starwood Preferred Guest® Business Credit Card from American Express (15,000 to 15,6254)
Freedom (10k UR-6)
United Club Card (0, but 1.5 miles per dollar on all spending)

Screen Shot 2015-04-24 at 6.40.36 PM

 

Alaska Mileage Plan

Starwood Preferred Guest® Credit Card from American Express (30-31.25k3)
Starwood Preferred Guest® Business Credit Card from American Express (30-31.25k3)
Alaska Airlines Visa Signature Card (25k)
Alaska Airlines Business Card (25k)

Singapore Airlines KrisFlyer Miles

Citi Prestige® Card (50k)
Citi ThankYou® Premier Card (50k)
Platinum Card from American Express Exclusively for Mercedes-Benz (50k MR2)
Ink Plus (50k UR+5)
Sapphire Preferred (40k UR+5)
Starwood Preferred Guest® Credit Card from American Express (30-31.25k3)
Starwood Preferred Guest® Business Credit Card from American Express (30-31.25k3)
The Business Gold Rewards Card from American Express OPEN (25k MR2)
Platinum Card from American Express (25k MR2)
American Express® Premier Rewards Gold Card (25k MR2)
Ink Cash (20k UR-6)
Freedom (10k UR-6)

British Airways Avios

Platinum Card from American Express Exclusively for Mercedes-Benz (50k MR2)
British Airways Visa Signature (50k)
Ink Plus (50k UR+5)
Sapphire Preferred (40k UR+5)
Starwood Preferred Guest® Credit Card from American Express (30-31.25k3)
Starwood Preferred Guest® Business Credit Card from American Express (30-31.25k3)
The Business Gold Rewards Card from American Express OPEN (25k MR2)
Platinum Card from American Express (25k MR2)
American Express® Premier Rewards Gold Card (25k MR2)
Ink Cash (20k UR-6)
Freedom (10k UR-6)

Screen Shot 2015-04-24 at 6.40.36 PM

 

Southwest Rapid Rewards

Southwest Premier Personal Visa (25k, I cover frequent 50k offers here and there are 50k referral links from other readers in the thread)
Southwest Premier Business Visa (25k, I cover frequent 50k offers here)
Southwest Plus Personal Visa (25k, I cover frequent 50k offers here)
Ink Plus (50k UR+5)
Sapphire Preferred (40k UR+5)
Ink Cash (20k UR-6)
Freedom (10k UR-6)

  1. Membership Rewards transfer 1:1 to Delta with a $0.60 fee per 1,000 transferred. There were transfer bonuses, but the last was November 2011.
  2. Membership Rewards transfer to British Airways Avios and Singapore KrisFlyer miles with no fee. There are frequent transfer bonuses to Avios. The last was 40% in December 2014. There has never been a transfer bonus to Singapore miles.
  3. Starpoints transfer 1:1 to Delta, American, Alaska, Singapore, and British Airways miles with a 5k mile bonus for every 20k Starpoints transferred. 25k Starpoints would transfer to 30k miles, but 25k Starpoints transferred as part of exact 20k increments represents 31,250 miles.
  4. Starpoints transfer 2:1 to United miles with a 2.5k mile bonus for every 20k Starpoints transferred. Avoid this horrible deal.
  5. UR+ are Ultimate Rewards that can be transferred 1:1 to United, Singapore, British Airways, and Southwest among other loyalty programs
  6. UR- are Ultimate Rewards that cannot be transferred 1:1 to airline miles and hotel points. But you can transfer these points to an Ink Plus or Sapphire Preferred account and from there to airline and hotel points.

Did I make any mistakes? Correct them in the comments.

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Yesterday I shared how you can get both the Citi Prestige® Card and Citi ThankYou® Premier Card, get both their 50,000 point sign up bonuses after spending $3,000 in the first three months, and have 106,000+ ThankYou Points.

If you do that, the points you earn will not automatically be combined into one account, but you want to combine them. Specifically you want to combine them into your Prestige account because, while both cards can transfer points to the same airline partners, the Prestige’s points are worth more when using ThankYou Points like cash to purchase any flight, any time, on any airline.

(See the two ways to redeem ThankYou Points for more info on transfers to miles vs. using them like cash.)

  • The Premier’s points are worth 1.25 cents each toward any flight.
  • The Prestige’s points are worth 1.6 cents toward American Airlines and US Airways flights and 1.33 cents toward any other flight.

So how do you combine ThankYou Points into one account?

  • on thankyou.com
  • if that fails, by phone

On thankyou.com

Sign into thankyou.com. Click Combine ThankYou Accounts under My Account.

Screen Shot 2015-04-17 at 6.28.51 PM

Click “Add a Citi Account.”

Screen Shot 2015-04-17 at 6.28.45 PM

At this point, I tried to type in my credit card number.Screen Shot 2015-04-17 at 6.29.28 PM But I got an error.Screen Shot 2015-04-17 at 6.37.10 PM

I called in to combine my accounts, which was very quick.

By Phone

I called the number on the back of my Prestige and said I wanted to combine all my ThankYou Points into that account.

The agent had to first match up all the account details on both accounts. I think one was missing a phone number, which is probably why my online attempt failed.

Then she let me know that combining the ThankYou accounts was irreversible and that if I cancelled a card, I’d have 60 days to redeem points earned on that card before they expired.

I’m not sure how that would work in practice, which points would be attributed to each card if I cancelled one. But since ThankYou Points can transfer to airline miles, I don’t think I’ll ever have trouble redeeming my points by transferring them to miles if I cancel a card.

After a few minutes on the phone, my accounts were combined into one. I got a confirmation email.

Screen Shot 2015-04-17 at 6.46.43 PM

Then I went to thankyou.com to see the improvement.

Why to Combine Points

Before combining points, I searched for a roundtrip from Los Angeles to New York on thankyou.com in my Premier account to illustrate the effect of a combination. Roundtrip flights were about $470 on the days I searched, and that equated to 37,545 to 37,600 points on all airlines–a valuation of 1.25 cents per point.

Screen Shot 2015-04-17 at 6.28.11 PM

Then after combining my points, I re-ran the same search. The price in cash was the exact same, but the points prices dropped dramatically to 29,332 points on US Airways or 35,339 with JetBlue. That’s a savings of more than 8,000 points on one roundtrip just by combining my accounts.Screen Shot 2015-04-17 at 6.43.09 PM

 

Those points prices represent a valuation of 1.6 cents for the American Airlines and US Airways flights and 1.33 cents for the JetBlue flights.

My Premier points that had been worth 1.25 cents each when used like cash were now worth 1.33 to 1.6 cents each, a 28% increase in value when booking American Airlines flights.

If you’ll ever use your ThankYou Points like cash to book a flight and you have a Citi Prestige, you want to combine all your ThankYou Points into that account. Even if you only plan to use your ThankYou Points to transfer them to airline miles, it’s still convenient to be down to one ThankYou account.

Bottom Line

If your information on your credit card accounts matches perfectly, you can quickly combine them on thankyou.com. Otherwise call the number on the back of your Prestige. You’ll quickly raise the value of your ThankYou Points earned on other cards.

Citi Prestige® Card with 50,000 bonus ThankYou Points after $3,000 in purchases made with your card in the first 3 months the account is open

My review of the Citi Prestige Card which explains its many benefits like $250 in airfare or airline fee credits per calendar year, access to the American Airlines Admirals Clubs and Priority Pass lounges, 3x points per dollar on air travel and hotels, and a $450 annual fee.

 

  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 50,000 bonus ThankYou® Points after $3,000 in purchases made with your card in the first 3 months the account is open.
  • Points are redeemable for an $800 flight on American Airlines or US Airways®, a $665 flight on any other airline or $500 in gift cards.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases

Application Link: Citi Prestige® Card

Citi ThankYou® Premier Card with 50,000 bonus points, 3x points on travel and gas, and 2x points on dining and entertainment

My Review of the Citi ThankYou® Premier Card

 

  • Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening –  redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
  • Earn 3X ThankYou Points on Travel including Gas,  2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
  • ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
  • No foreign transaction fees on purchases
  • Points do not expire and earn unlimited ThankYou Points
  • Annual Fee:  $95 (fee waived for the first 12 months)

Application Link: Citi ThankYou® Premier Card

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In the last two weeks, the Citi Prestige and Citi ThankYou Premier have each increased their sign up bonuses to 50,000 ThankYou Points after spending $3,000 in the first three months.

I’ve gotten several questions about whether one person can get both cards and their 100,000 total bonus ThankYou Points.

Yes, one person can get both cards as long you apply for the two cards at least eight days apart.

Questions this article will answer:

  • What are the differences between the Prestige and Premier?
  • Why would you want both?
  • How can you get both?
  • How can you combine the points (and why do you really want to)?

What are the differences between the Prestige and Premier?

The Prestige is a premium credit card that competes with cards like the American Express Platinum. The Premier is more of a standard rewards card that competes with cards like the Chase Sapphire Preferred.

Sign Up Bonus

Both currently offer 50,000 ThankYou Points after spending $3,000 in the first three months.

Annual Fee

There’s a huge difference here. The Prestige has a $450 annual fee that is not waived. The Premier has no annual fee the first 12 months, then $95 a year.

Category Bonuses

The Prestige offers 3x on airlines and hotels and 2x on dining and entertainment. The Premier‘s category bonuses are slightly better. It offers 3x on travel and gas. That includes airlines and hotels, but also a lot more. It also offers 2x on dining and entertainment.

Ease of Travel

Both cards have chip technology for global acceptance and no foreign transaction fees.

Value of ThankYou Points

Both cards offer the ability to transfer ThankYou Points to 12 airline and hotel programs. This is the highest value redemption method.

Both also offer the chance to redeem points like cash toward any flight with no blackouts, but the Prestige offers higher value when points are used this way. The Premier‘s points are worth 1.25 cents each toward all flights. The Prestige‘s are worth 1.6 cents toward American Airlines or US Airways flights and 1.33 cents toward all other flights.

If you have both the Premier and Prestige, you can combine the points into one account, which allows for redemptions at the better Prestige rates.

More info on these redemption options and redeeming ThankYou Points.

Other Benefits

This is where the Prestige kills the Premier, and why the Prestige‘s $450 annual fee is more than justified in my opinion. The Prestige offers:

Why Would You Want Both?

Each has strengths beyond its giant 50,000 point sign up bonus.

The Premier has better category bonuses because all the following are included at 3x: airlines, hotels, gas, car rentals, travel agencies, buses, trains, parking, tolls, bridges, and time shares. The Prestige only offers 3x on airlines and hotels. The Premier also has a lower annual fee, and one that is waived for the first year.

The Prestige has far better benefits like the statement credits, airport lounge access, and higher value of points when redeemed like cash for flights. Plus getting the Prestige can retroactively lift the value of ThankYou Points earned on other cards because those points can now be put into your Prestige account, which has higher value redemption options.

If you have one, you might want the other for its strengths. If you have neither, you might want both to maximize the strengths of both.

How Can You Get Both?

According to the combined experience of FlyerTalkers, you can be approved for no more than one Citi credit card application in 8 days and no more than two applications in 65 days.

So if you got one of the cards months ago and want the other now, apply.

If you have neither, apply for one now and one in 8+ days. (Unless you recently got a different Citi card like the American Airlines card with 50,000 bonus miles. In that case, make sure that at least 65 days have elapsed from your previous application to your second application.)

To avoid all confusion:

OK

Got Prestige 8+ days ago, have no other Citi cards, get Premier today

Have neither card or any other Citi card, get Prestige today and Premier in 8+ days

Got AA card 14 days ago. Get Prestige today and Premier in 51+ days. (65 day rule noted above)

Not OK

Get Premier and Prestige on same day

Got AA card 14 days ago. Get Prestige today and Premier in 8 days

You may not be instantly approved on your applications. When that happens, your screen should have a number to call Citi for an instant decision. I always call in to speed things up. I doubt you’ll be asked why you want both the Prestige and Premier, but if you are, mention the strengths of the one you don’t have yet.

How to Combine Points

You want to combine your ThankYou Points once you have both the Prestige and Premier because the Prestige‘s ThankYou Points are worth more when used like cash toward the purchase of a flight, especially an American Airlines flight.

You can do that from ThankYou.com or by calling the number on the back of your Prestige.

Bottom Line

You can get both the Prestige and Premier and long as you apply at least at least 8 days apart, and potentially further apart if you have another recent Citi application. Getting both cards and meeting their minimum spending requirements would earn at least 106,000 ThankYou Points, and probably more if you maximize the category bonuses.

You can combine the ThankYou Points into the Prestige‘s account to take advantage of a higher value for redeeming the points toward any flight like cash. However I still recommend that most people transfer ThankYou Points to airline miles for higher value redemptions.

Application Link: Citi Prestige

Application Link: Citi ThankYou Premier

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The Citi ThankYou® Premier Card now offers 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening.

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Not to be confused with the Citi Prestige® Card, which has the same sign up bonus but totally different benefits.

For over a year, the Citi ThankYou® Premier Card has offered 50,000 total bonus points, but they were spread out over 15 months. Now you can get the entire 50,000 points in the first three months.

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Quick Facts

  • Sign Up Bonus: 50,000 ThankYou Points after $3,000 in spending in the first three months
  • Category Bonuses: 3x on travel and gas, 2x on restaurants and entertainment
  • Value of ThankYou Points: Worth 1.25 cents toward the purchase of any cash ticket (or up to 1.6 cents if you also have a Citi Prestige) OR can be transferred to 11 airlines and Hilton for higher value
  • Global Acceptance: Chip technology and no foreign transaction fees
  • Annual Fee: $0 for the first 12 months, $95 per year afterwards

Sign Up Bonus

The Citi ThankYou® Premier Card now offers 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening.

Thank You points have two primary uses.

  1. Use them like cash to purchase any flight on any airline with no blackouts.
  2. Transfer them to miles with 11 airlines or to Hilton points. Then they are whatever miles you chose, subject to those rules.

If you use these like cash toward any flight, you will get 1.25 cents each of value, making the sign up bonus worth $625 toward any flights with no blackouts. However if you have a Citi Prestige in addition to your Premier, you can combine the ThankYou Points from both cards and redeem them at the higher value the Prestige offers. In that case, you could redeem these 50,000 bonus points for 1.33 cents toward any flight or 1.6 cents toward American Airlines and US Airways flights. That would be $800 in American Airlines flights.

When you redeem ThankYou Points like cash toward any flight, the operating airline sees you as a cash-paying passenger, so you earn miles for your flights.

Instead of redeeming the points like cash, you can transfer your ThankYou Points to one of the 12 airline and hotel partners. The best partner is Singapore Airlines. In the last few months, I’ve transferred ThankYou Points to Singapore miles to fly United First Class to Hawaii, United economy to Madrid, and Avianca Business Class to Buenos Aires. Or you can use Singapore miles to book Singapore Suites.

For full details on redeeming ThankYou Points, see How ThankYou Points Work.

Category Bonuses

The Citi ThankYou® Premier Card offers 3x ThankYou Points on travel and gas and 2x ThankYou Points on dining and entertainment, with no limit on bonus ThankYou Points earned.

Travel includes everything you’d expect like flights, hotels, and car rentals and even more like parking, tolls, campgrounds, and yacht rentals.

Restaurants include sit down places, take out, fast food, and even bars and nightclubs. Entertainment includes movie theaters, sports tickets, museums, and a lot more.

For a full breakdown on exactly what counts and what doesn’t, check out Citi ThankYou Premier Categories Change Today: 3x Gas and Travel; 2x Dining and Entertainment.

No other card offers both 3x on travel and gas. That’s incredible for travelers. Throw in 2x on dining and entertainment, and this card has among the best categories in the world.

Fees

The Citi ThankYou® Premier Card has no foreign transaction fees. It also has chip technology for global acceptance, so it’s a great card for overseas travel.

The card has no annual fee for the first 12 months and only $95 thereafter, which is lower than the annual fee was when I got the card.

Bottom Line

I got the card when it took 15 months to get the full sign up bonus, there were no airline transfer partners for the points, the annual fee was higher, and gas was not a 3x category. That should tell you how good I think the current offer is!

The Citi ThankYou® Premier Card with 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening

Screen Shot 2015-04-20 at 7.36.03 PM

 

  • Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening –  redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
  • Earn 3X ThankYou Points on Travel including Gas,  2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
  • ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
  • No foreign transaction fees on purchases
  • Points do not expire and earn unlimited ThankYou Points
  • Annual Fee:  $95 (fee waived for the first 12 months)

Application Link: Citi ThankYou® Premier Card

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The Citi ThankYou® Premier Card changed its category bonuses today and lowered its annual fee. The new category bonuses are:

  • 3 ThankYou Points per dollar spent on Travel including Gas
  • 2 ThankYou Points per dollar spent on Dining Out and Entertainment.

The new annual fee is $0 for the first 12 months, then $95 thereafter.

These are in addition to the 50,000 point sign up bonus on the card.

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As with all category bonuses, the question is: what exactly qualifies?

The 3x Category: “Travel and Gas”

The terms and conditions say that you earn 3 ThankYou Points for every dollar you spend on purchases at the following establishments:

(everything through the end of the parentheses on each line is a quotation, the rest in my analysis)

  • airlines (merchants that provide air travel): anything that the airline processes should count including award taxes and fees; gift cards; onboard food purchases; and, with some airlines but not all, miles purchases
  • hotels (merchants that provide sleeping or meeting room accommodations, and may include goods and services that are on a bill for these accommodations by a hotel, motel or inn): anything charged to your room like food, spa, or golf should earn 3x
  • car rental agencies (merchants that provide short-term or long-term rentals of cars)
  • travel agencies (merchants that provide travel information and booking services, and include travel aggregators and tour operators): this should include online travel agencies like Expedia
  • gas stations (merchants that sell fuel for consumer use and may or may not be attended… you will earn additional ThankYou Points on gas purchases made at warehouse clubs and convenience stores)
  • commuter transportation (merchants that provide suburban and local mass passenger transportation over regular routes and on regular schedules, including ferries, commuter railways and subways)
  • taxi/limousines (merchants that provide passenger transportation services for hire and includes horse-drawn cabs and carriages, bicycle taxis, aerial tramways, airport shuttles or cable cars): hopefully Uber falls in this category
  • passenger railways (merchants that primarily provide long-distance transportation and may include overnight accommodations on the train)
  • cruise lines (merchants that provide passenger transportation on the open sea or inland waters for the purpose of vacation or pleasure and operate predefined and advertised routes)
  • bridge and road tolls (merchants who collect fees associated with toll roads, highways and bridges)
  • parking lots/garages (merchants that provide temporary parking services for automobiles, usually on an hourly, daily or monthly contract or fee basis)
  • campgrounds and trailer parks (merchants that provide overnight or short-term campsites for recreational vehicles, trailers, campers, or tents)
  • time shares (retailers that sell, lease, and rent timeshare real estate and arrange timeshare condominium exchanges)
  • bus lines (passenger bus transportation services that operate on a regular schedule over predetermined routes)
  • motor home/RV Rental and boat rentals (merchants that rent motor homes, RVs, pop-up campers, tent trailers, and other recreational vehicles on a daily, short-term, or extended-term basis ormerchants that primarily provide boat rental and leasing services, including fishing boats, non-crew houseboats, sail boats, powerboats, jet skis, and yachts)

This 3x list includes everything that I think of as a travel expense from flights, hotels, and car rentals to tolls and renting a yacht, so the only hiccup could come from this sentence, which is standard in pretty much every credit card offer:

“We do not determine how merchants or establishments are classified; however, they are generally classified based upon the merchant’s primary line of business. We reserve the right to determine which purchases qualify for this offer.”

As long as the merchant is coded correctly as one of these travel or gas categories, you’ll get 3x points. If the merchant is not correctly classified, you can call Citi and ask for your 3x. After all, “[Citi] reserve[s] the right to determine which purchases qualify.”

The 2x Category: “Dining Out and Entertainment”

The terms and conditions say that you earn 2 ThankYou Points for every dollar you spend on purchases at (everything through the end of the parentheses on each line is a quotation, the rest in my analysis)

  • restaurants (dining establishments that primarily prepare food and drinks for immediate consumption by consumers, either on the merchant’s premises or packaged for takeout, and include bars, cocktail lounges, discotheques, nightclubs, taverns and fast food restaurants)
  • sports promoters (merchants that operate and promote live sporting events (professional or semi-professional), and may also include sports stadiums)
  • theatrical promoters (merchants that operate live theatrical productions or concerts, and include ticketing agencies)
  • movie theaters (establishments that sell tickets and refreshments for movie productions)
  • amusement parks, zoos, circuses and aquariums (establishments that operate parks or carnivals and offer mechanical rides and games and/or live animal shows)
  • tourist attractions, museums, and art galleries (establishments that operate attractions and exhibits for tourists)
  • record stores
  • video rental stores

“Restaurants” is a broad category that covers fine dining all the way down to takeout and fast food. Plus it covers places that aren’t really restaurants at all like bars and night clubs. Restaurants are where I’d get the most bonus points in the 2x category, though I occasionally patronize establishments in the other 2x categories.

How to Use ThankYou Points

There are two reasonable ways to redeem ThankYou Points:

  1. Use them like cash to purchase any flight on any airline with no blackouts. Used this way, points are worth 1.25 to 1.6 cents each.
  2. Transfer them to miles with 11 airlines or to Hilton points. Then they are whatever miles you chose, subject to those rules. Used this way, the value of the points depends on your redemption, but 2 cents each is very possible.

For full details on How to Use ThankYou Points, click this link.

Bottom Line

The Citi ThankYou® Premier Card now offers the best return on travel and gas at 3x and also offers 2x on dining and entertainment. These very broad categories make the 50,000 point sign up bonus all the more attractive.

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The card has even dropped its annual fee to $0 for the first year and $95 thereafter.

Application Link: Citi ThankYou® Premier Card

I earn a commission for some links on this blog. Citi is a MileValue partner.

This is the fourth post in a monthlong series that started here. Each post will take about two minutes to read and may include an action item that takes the reader another two minutes to complete. I am writing this for an audience of people who know nothing about frequent flyer miles, and my goal is that by the end, you know enough to fly for free anywhere you want to go.

There are currently some huge sign up bonuses that folks new to the miles game can pick up.

I’ve categorized some of the best offers below, but before applying for any cards, I recommend checking out my Introduction to Travel Credit Cards from yesterday.

I also recommend getting a Free Credit Card Consultation instead of picking cards on your own. It breaks my heart when people come to my Award Booking Service with the wrong miles for the trip they want. There’s no reason to Make the Biggest Mistake in Our Hobby.

  • What are the best cards for beginners?

Best Card for Economy Travel

Citi Prestige® Card

The Citi Prestige® Card comes with 50,000 bonus ThankYou Points after $3,000 in purchases made with your card in the first 3 months the account is open.

ThankYou Points can be used like cash toward the purchase of any airline ticket with no blackouts. You get 1.6 cents off of American Airlines and US Airways flights or 1.33 cents off any other flight. That means 50,000 bonus points are worth $800 in flights on American Airlines.

The card also comes with up to $250 in statement credits each calendar year to offset airfare purchases. So the first $250 in plane tickets in 2015 and the first $250 in plane tickets in 2016 are free. That’s another $500 in free tickets before you pay the annual fee again in 12 months. (We’re up to $1,300 in flights so far if you’re counting.)

My review of the Citi Prestige Card explains its other benefits like access to the American Airlines Admirals Clubs and Priority Pass lounges, the fourth night free on hotel stays, 3x points per dollar on air travel and hotels, and 2x points on dining and entertainment. $250 Air Travel Credit each year.

The card comes with a $450 annual fee that is not waived for the first year, but remember that you get $1,300 in free flights during the period covered by the $450 annual fee.

Application Link: Citi Prestige® Card

Best Card for Awards to Asia, South America, Central America, Australia

Citi® / AAdvantage® Platinum Select® MasterCard®

With recent devaluations to the United and Delta award charts, American Airlines miles are the most valuable miles.

American Airlines miles are the undisputed best miles for ultra-luxury redemptions, and the miles are valuable for trips to Asia, South America, Europe, and Australia. On a recent trip, I spent 67,500 American Airlines miles for a First Class redemption from New York City to Singapore with 23 hours in Macau along the way.

The Citi® / AAdvantage® Platinum Select® MasterCard® offers 50,000 bonus miles after spending $3,000 in the first three months.

That’s enough for a roundtrip to Asia, Europe, South America, or Hawaii.

Beyond the sign up bonus, cardholders also get a 10% rebate on American Airlines miles redeemed each calendar year up to 100,000 miles redeemed.

The card’s $95 annual fee is WAIVED the first year.

Application Link: Citi® / AAdvantage® Platinum Select® MasterCard®

Best Business Card

Ink Plus

The Ink Plus is a business card that offers 50,000 Ultimate Rewards sign up bonuses after spending $5,000 in the first three months. Ultimate Rewards transfer 1:1 to United, Singapore, British Airways, Korean, Southwest, Virgin Atlantic, Hyatt, Amtrak, and more.

The Ink Plus earns 5x points on internet, phone, and cell phone bills; 5x points on purchases at office supply stores; 2x points on hotels and gas; and 1x points on everything else.

The Ink Plus has no annual fee the first 12 months, $95 thereafter.

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Best All-Around Card

Sapphire Preferred

The Chase Sapphire Preferred is a personal card that earns 40k Ultimate Rewards after spending $4,000 in 3 months. Ultimate Rewards transfer 1:1 to United, British Airways, Korean, Southwest, Virgin Atlantic, Hyatt, Amtrak, and more.

You also get 5k bonus points for adding an authorized user while applying, so I think of this as a 45k bonus point card. (Adding an authorized user does not prevent that person from getting the card at the same time or in the future as a primary account holder and getting the full sign up bonus.)

The Sapphire Preferred earns 2x points on dining and travel. Dining includes bars, restaurants, and fast food. Travel includes airfare, hotels, taxis, rental cars, tolls, parking, and much more.

The Sapphire Preferred has no annual fee the first year, then $95 thereafter.

Best Hotel Credit Card (Limited Time Offer)

Citi Hilton HHonors Reserve Card

The Citi® Hilton HHonors™ Reserve Card is the best card for giving you free luxury hotel nights. The card comes with two free weekend nights at Hiltons worldwide after spending $2,500 in the first four months. The free nights are best spent at top-tier Hiltons and Conrads that can go for $500 or more per night.

For a limited time, the card even comes with a $100 statement credit if you spend $100+ on a Hilton stay in the first 90 days after getting the card.

This card is perfect to get aspirational stays at top tier properties like the Conrad Koh Samui that goes for 95,000 Hilton points per night and costs more than $1,000 per night.

The card also comes with Hilton Gold Status, so you can enjoy free internet and breakfast on those free stays.

The card earns 10x points on Hilton stays, 5x on airlines and car rentals, and 3x on all other purchases.

There card has no foreign transaction fee. The annual fee is $95.

Application Link: Citi® Hilton HHonors™ Reserve Card

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Earn 50,000 bonus points (worth $800 in American Airlines flights) after spending $3,000 in the first three months on the Citi Prestige® Card. Plus get an additional $500 in free airfare on any airline in the first 12 months plus free airport lounge access worldwide for only a $450 annual fee. Why I got the card.

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I earn a commission for some links on this blog. Citi is a MileValue partner.

The Citi Prestige® Card offers the fourth night free on paid hotel stays if you book through its designated travel agent. This benefit can save you a lot more than 25% on your next hotel stay.

4th Night Free on Hotel Stays

From the terms and conditions of the benefits of the Prestige Card:

You will enjoy a complimentary fourth night with no black-out dates, when you book four consecutive nights at any hotel booked by a personal travel advisor designated by MasterCard (the “designated travel advisor” is Carlson Wagonlit Travel). Bookings made through other methods such as, travel agents, websites or directly with a hotel will not qualify.

To receive your complimentary night (via a statement credit) you must:

  • Make a reservation for a minimum, consecutive four-night stay by contacting the Citi Prestige Concierge, to book directly with a designated travel advisor
  • Fully pay for your stay with a Citi Prestige Card

If you book the award through the Citi Prestige’s travel agent, you will get the actual cost of the fourth night plus taxes credited back to your Citi Prestige statement.

You don’t get 25% of the cost of the stay credited back; you get the actual fourth night’s cost credited back. That means that if you book a four-night stay such that the last night is the most expensive night, you can save a lot more than 25% on your stay.

Examples (New Year’s Eve in Times Square & Las Vegas)

My first thought was New Year’s Eve in Times Square as a time when prices probably spike from one night to the next. If you search for a December 28 to January 1 stay on hyatt.com, the Hyatt Times Square New York shows an average daily rate of $553.

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On the payment page, you can get a nightly breakdown. The rate jumps from $499 to $713 per night on the last night.

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If you booked this stay with a Citi Prestige® Card, you would save $713 of the $2,210 subtotal, which is over 32%. The total saved after taxes would be roughly the same percentage, so you’d be looking at a savings of about $823 on a $2,550 bill.

Similarly, though on a smaller scale, room rates in Las Vegas spike on the weekends. A Tuesday through Saturday stay at the Bellagio in Las Vegas would have an average nightly price of $187.

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But in fact, the last night costs $229, which is about 31% of the subtotal.

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The Bellagio charges a resort fee. I am not sure if that is refunded for the fourth night. Unfortunately the words “resort fee” do not appear in the definitive FlyerTalk thread on the fourth-night-free benefit.

FAQ About Fourth Night Free

How does it work?

To receive your complimentary night (via a statement credit) you must:

  • Make a reservation for a minimum, consecutive four-night stay by contacting the Citi Prestige Concierge by calling the number on the back of your card
  • Fully pay for your stay with a Citi Prestige Card

Does the rate through the Citi Concierge match the hotel’s rate online?

Yes. If it doesn’t, point that out to your Citi travel agent.

Do you get your status benefits for the stay? Do you get earn points and status for the stay?

In all the cases I’ve seen reported, yes.

When do you get the statement credit?

It can take several weeks after your stay. It took the Frequent Miler’s credit about four weeks to show up.

Do you earn 3x points on the rest of the hotel purchase?

The Citi Prestige® Card offers 3 points per dollar for airfare and hotel purchases. You get 3x points on your hotel stay on top of the fourth night free by taking advantage of this benefit of the Prestige.

Bottom Line

The Citi Prestige® Card offers the fourth night free on all paid hotel stays that you book by calling the number on the back of your card.

Instead of rebating the average cost of one room night, you get the fourth night free. If you time your stays, so the fourth night is the most expensive, you can save well over 25% with this benefit.

Stays earn points and status, and you can use your status in the stays.

This benefit is an amazing throw in for some people. If the fourth night free on hotel stays isn’t worth much to you, the Citi Prestige® Card is a must have because it offers 50,000 bonus ThankYou Points after $3,000 in purchases made with your card in the first 3 months the account is open, $250 in airfare or airline fee credits per calendar year, access to the American Airlines Admirals Clubs and Priority Pass lounges, and 3x points per dollar on air travel and hotels.

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Earn 50,000 bonus points (worth $800 in American Airlines flights) after spending $3,000 in the first three months on the Citi Prestige® Card. Plus get an additional $500 in free airfare on any airline in the first 12 months plus free airport lounge access worldwide for only a $450 annual fee. Why I got the card.

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I earn a commission for some links on this blog. Citi is a MileValue partner.

The Citi® Hilton HHonors™ Reserve Card released a limited time offer today:

  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening
  • $100 statement credit after $100 or more on your first hotel stay in the Hilton HHonors Portfolio within 3 months of account opening
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember
The normal sign up bonus of 2 weekend nights at almost any Hilton property worldwide–here are the only excluded properties–is temporarily augmented by a $100 statement credit that more than offsets the $95 annual fee.

Free Nights

The two free nights at Hiltons and Conrads worldwide are good on any Friday, Saturday, or Sunday night. You can use both nights together or use one at a time.

These free nights can be used at amazing $1,000-a-night, aspirational properties where I wouldn’t otherwise ever be able to afford to stay.

In 2013, Hilton put its top-tier Category 9 and 10 hotels nearly out of reach with points. They now cost up Ito 95,000 points for one night, so these two free nights could be worth up to 190,000 points if you use them strategically.

Luckily using the free nights strategically just got a lot easier when super reader Jeremy made a spreadsheet with all the Category 9 and 10 properties in one place.

Download it for free here.

Then super reader Dave made a custom map of all the Category 9 and 10 properties worldwide to make the visualization easier.

See it for free here.

For more info on the free nights, and the $1,000-a-night hotels see:

Free Gold Status

As long as you have the Hilton Reserve, you get automatic Hilton Gold status, which earns free breakfast, free internet, and a 25% points bonus on Hilton stays.

On your two free nights and future paid stays, these perks will save you quite a bit of money.

$100 Statement Credit

The limited time offer includes a $100 statement credit after $100 or more charge to the card during a Hilton stay in the first 90 days.

That’s in addition to the 10x points per dollar you already earn at Hilton properties.

This is $100 free if you have a Hilton stay planned. If you don’t, it makes a Hilton stay potentially worth it, since you’ll get $100 off.

Bottom Line

The Citi® Hilton HHonors™ Reserve Card was already the best card out there for luxury hotel stays.

You have always gotten two free nights at Hiltons worldwide after spending $2,500 in the first four months, some of which are $1,000-per-night or 95,000-points-per-night properties.

You have always gotten Hilton Gold Status to enjoy stays more with free internet and breakfast.

Now, for a limited time, you get a $100 statement credit after making a $100+ charge at a Hilton within 90 days of getting the card.

  • Earn a $100 statement credit after spending $100 or more on your first hotel stay in the Hilton HHonors Portfolio within the first 3 months of account opening
  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card

There is a $95 annual fee that is not waived.

Application Link: Citi® Hilton HHonors™ Reserve Card

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Earn 50,000 bonus points (worth $800 in American Airlines flights) after spending $3,000 in the first three months on the Citi Prestige® Card. Plus get an additional $500 in free airfare on any airline in the first 12 months plus free airport lounge access worldwide for only a $450 annual fee. Why I got the card.

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I earn a commission for some links on this blog. Citi is a MileValue partner.

Yesterday, Citi launched a 50,000 point offer on the Citi Prestige after spending $3,000 in the first three months. The previous offer was 30,000 points after $2,000 in spending.

Read my analysis of the new offer.

I had gotten the old offer last week, so I was eager to see if I could be matched to the new, better offer. Commenters Matt Smith, Darren, Buddy M., MilesCollector, and Carla all said they had been matched by calling the number on the back of their Prestige. I tried and succeeded also.

The agent said my account now reflects that I will receive 50,000 bonus ThankYou Points after $3,000 in purchases in the first three months of account membership. She also said that I was eligible to be matched to the better offer because I had opened my account in the last 90 days.

If you got the Citi Prestige® Card in the last 90 days for its $250 annual airfare credit, American Airlines and Priority Pass Select lounge access, or big category bonuses, make sure you call Citi today to be matched to the 50,000 point sign up bonus.

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Never miss a post again! Follow MileValue on Twitter and Facebook. And sign up to receive one free daily email every morning with all of the day’s posts!

Earn 50,000 bonus points (worth $800 in American Airlines flights) after spending $3,000 in the first three months on the Citi Prestige® Card. Plus get an additional $500 in free airfare on any airline in the first 12 months plus free airport lounge access worldwide for only a $450 annual fee. Why I got the card.

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