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CardCurator — Rewards Intelligence
Card Comparison

Citi Thank You vs Go Rewards

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citi Thank You card art
Citi ThankYou Points
Citi Thank You
Citi
More Info
Go Rewards card art
Navy Federal Credit Union
Go Rewards
Navy Federal Credit Union
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
None
15,000 points
Spend $1,000 in 3 months
Top Earn Rates
  • Gas Stations 5x
  • All Other Purchases 1x
  • Restaurants 3x
  • Gas 2x
  • All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
Cash back only
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Common Questions: Citi Thank You vs Go Rewards

Is the Citi Thank You or Go Rewards better for dining?

Citi Thank You has no dining bonus; Go Rewards earns 3x on dining.

Which has the higher signup bonus in 2026?

Citi Thank You currently offers no current bonus. Go Rewards offers 15,000 pts signup bonus (spend $1,000 in 3 months). Go Rewards has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Citi Thank You and the Go Rewards?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Thank You is from Citi and Go Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.