Citi ThankYou® Mastercard®
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Citi ThankYou® Mastercard® from Citi earns up to 4% effective value on gas in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Gas
- Effective value
- 4%
- Annual fee
- $0
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 5% back.
What does the Citi ThankYou Mastercard earn in each category?
Gas is the strongest category at 4% effective value (5% back). That gas rate ranks higher than about 92% of the 2,861 cards we track in that category. The five-category effective-rate table on this page shows how Citi ThankYou Mastercard compares across dining, grocery, gas, travel, and other spend.
Gas is the strongest category at 4% effective value (5% back). That gas rate ranks higher than about 92% of the 2,861 cards we track in that category. The five-category effective-rate table on this page shows how Citi ThankYou Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 2.4% |
| Grocery Supermarkets and grocery stores | 3% back | 2.4% |
| Gas Gas stations and fuel | 5% back | 4% Top category |
| Travel Flights, hotels, transit | 1% back | 0.8% |
| Other General everyday spend | 1% back | 0.8% |
Madeen values cash back at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Citi ThankYou Mastercard reward caps and conditions?
The Citi ThankYou Mastercard has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3 Points for each $1 spent for the first $10,000 of combined restaurant and grocery store purchases per year Capped at $10000 per year.
- 5 Points for each $1 spent for the first $10,000 of gas station purchases per year Capped at $10000 per year.
Who should get the Citi ThankYou Mastercard?
The Citi ThankYou Mastercard fits spenders who put meaningful volume in gas and can earn 5% back. Best for spenders who put meaningful volume in gas and can earn 5% back.
Citi ThankYou Mastercard fits spenders who put meaningful volume in gas and can earn 5% back. Madeen ranks its gas effective rate higher than about 92% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 5% back.
Foreign transaction fees make it weaker for international spend.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 4% effective (5% back).
- That gas rate ranks higher than about 92% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the Citi ThankYou Mastercard have an annual fee?
The Citi ThankYou Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Citi ThankYou Mastercard?
The Citi ThankYou Mastercard includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Mastercard Transit Benefit
$10/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Citi ThankYou Mastercard
Does the Citi ThankYou Mastercard have an annual fee?
The Citi ThankYou Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Citi ThankYou Mastercard?
Gas is the strongest Madeen category for the Citi ThankYou Mastercard at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Citi ThankYou Mastercard charge foreign transaction fees?
The Citi ThankYou Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Citi ThankYou Mastercard?
Madeen's catalog lists a typical credit range of Good for the Citi ThankYou Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Citi ThankYou Mastercard?
Rewards on the Citi ThankYou Mastercard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Citi ThankYou Mastercard?
To maximize the Citi ThankYou Mastercard, route gas and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Citi ThankYou Mastercard compare to similar cards?
Compare the Citi ThankYou Mastercard against Citi Dividend (5% on Gas, $0 fee); Citi Simplicity Cash (5% on Gas, $0 fee); Shop Your Way Mastercard (5% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citi ThankYou Mastercard This card | Gas | 4% | $0 |
Citi | Gas | 5% | $0 |
| Gas | 5% | $0 | |
| Gas | 5% | $0 | |
| Gas | 4% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure