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The Complete Guide to Citi ThankYou Rewards

Diana Mason by Diana Mason
July 8, 2021 12:00 am CDT
in Bank Promotions, Banking, Credit Cards
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Citi ThankYou Rewards
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This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Contents

  • 1 Earning ThankYou Points
  • 2 Redeeming ThankYou Points
  • 3 ThankYou Rewards Partner Airline Sweet Spots
  • 4 Bottom Line
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Citi ThankYou® Rewards does not get as much attention as its bank points currency peers Chase Ultimate Rewards and Capital One Miles. And I can understand why. Citi ThankYou has only five point-earning credit cards, one domestic airline transfer partner and no hotel transfer partners.

But those in the know are keen on ThankYou points, because they’re easy to earn. And, with a few tricks, you can maximize their value to compete with Ultimate Rewards points and Capital One miles.

Here’s everything you need to know about Citi ThankYou Rewards.

Citi ThankYou Rewards Quick Facts
Credit CardsCiti Prestige® Credit Card
Citi Premier Card
Citi Rewards+® Card
AT&T Access Card from Citi
Redemption OptionsTravel via ThankYou Travel Center
Statement credits & mailed checks
Gift cards
Shopping at retail partners
Payments toward bills, mortgages or student loans
Charitable donations
Transfer to partner loyalty programs
Value Per Point$0.0075 – $0.0125
Up to $0.06

See the best credit card sign-up bonuses here

CHASE SAPPHIRE PREFERRED® CARD

The Chase Sapphire Preferred® Card currently has an offer for 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Redeeming the 60,000 bonus points through the Chase Ultimate Rewards program, which is praised by users, will get you $750 in value towards travel. The 60K bonus points are worth $750 because you get 25% more value whenever you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.

Even better, strategize with Chase Ultimate Rewards points transfer partners to potentially get even more value. Each point can be worth up to 2 cents apiece (60k points = ~$1,200). Read more on this here.

Card Review


Earning ThankYou Points

You can earn ThankYou points by charging purchases to an eligible Citi credit card or through an eligible bank relationship with Citi. To access your rewards, log into your Citi account or visit the ThankYou Rewards website.

CREDIT CARDSCITIBANK ACCOUNTSPURCHASE POINTS

Citi issues a variety of different credit cards – including co-branded airline and hotel ones – but only a few earn ThankYou points:

CREDIT CARDWELCOME BONUSONGOING REWARDS
Citi Prestige® Credit Card
$495 annual fee
50,000 points
– spend: $4,000
– time: 3 months
5x points on air travel & restaurants
3x points on hotels & cruise lines
1x points on all other purchases
Citi Premier Card
$95 annual fee,
waived first 12 months.
60,000 points
– spend: $4,000
– time: 3 months
3x points on travel & gas stations
2x points on restaurants & entertainment
1x points on all other purchases
Citi Rewards+® Card*
$0 annual fee
15,000 points
– spend: $1,000
– time: 3 months
2x points on supermarkets & gas stations –
(on up to $6,000 spent each year)
1x points on all other purchases
Automatically rounds up to the nearest 10 points
AT&T Access Card from Citi*
No annual fee
10,000 points
– spend: $1,000
– time: 3 months
2x points on AT&T products & services
2x points on eligible retail & travel websites
1x points on all other purchases

*These cards earn “basic” ThankYou points which don’t hold as much value or flexibility as the points earned from other cards in the ThankYou Rewards family (more on that later).

You can earn ThankYou points for having a Citibank account and completing one direct deposit and one bill payment, or one debit or credit transaction every month.

*Here‘s the source for the above chart.

I recommend combining your Citi ThankYou credit card points and your ThankYou banking relationship points into a single ThankYou member account. That way, you’ll be able to redeem for bigger rewards, faster.

Citi is currently offering bonuses for opening a new Citibank checking account.

Ready to redeem but short on points? You have the option to buy the ThankYou points you need. However, I don’t recommend it. You’ll have to pay $0.025 apiece, which is much more than they’re worth. Plus, they only come in 1,000-point increments.

In some cases – and usually the better route – you can pay for the difference in points with cash.


Redeeming ThankYou Points

When it comes to ThankYou points, there are two types. The kind you earn with Citi Prestige and Citi Premier are worth more, and you can transfer them to one of ThankYou Rewards many travel partners. But the points you earn on Citi Rewards+® and AT&T Access from Citi aren’t worth as much, and they’re non-transferable.

As long as you hold a Citi Prestige or Citi Premier card, you can combine your ThankYou points earned from a lower-tier ThankYou card. This way, you’ll be able to transfer your “basic” ThankYou points to a partner program.

ThankYou points do not expire as long as your account is open. However, late payments may prevent you from redeeming points.

LOYALTY PROGRAM PARTNERSTHANKYOU TRAVEL CENTEROTHER OPTIONSSHARE YOUR POINTS

With a Citi Prestige or Citi Premier credit card, you have the power to transfer your ThankYou points to the following loyalty programs:

  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • EVA Air Infinity MileageLands
  • Etihad Guest Miles
  • Air France/KLM Flying Blue
  • InterMiles
  • JetBlue TrueBlue
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus
  • Turkish Airlines Miles & Smiles
  • Virgin Atlantic Flying Club

In most cases, the transfer rate is 1:1. Keep in mind, you must transfer in 1,000-point increments.

This is the best way to use your ThankYou points which will yield the highest-value rewards – up to $0.06 per point – if you do your research very diligently. But on average, you’ll get $0.015 apiece by transferring to a partner program.

The information presented has been collected independently by MoneysMyLife. It is current at the time of publishing and will be updated from time-to-time but for the most up-to-date information, please click here to find our source.

Redeem your ThankYou points through the ThankYou Travel Center for airfare, hotel stays, car rentals, cruises and other travel. Point value varies according to which credit card you have and what redemption you choose:

CREDIT CARDFLIGHTSALL OTHER TRAVEL
Citi Prestige$0.0125/point
($0.01/point after 09/01/2019)
$0.01/point
Citi Premier$0.0125/point$0.0125/point
Citi Rewards+$0.01/point$0.01/point
AT&T Access from Citi$0.01/point$0.01/point

Here’s why you would want to book travel via ThankYou Travel Center:

  • It’s easy to use. The Travel Center works like any other online travel agency website, with no complicated award chart to wrap your head around.
  • It counts as booking directly with the airline. You’ll earn redeemable and elite-qualifying airline miles for flights.*
  • It’s great for last-minute bookings. You’ll have access to any available seat.
  • It’s also great for travel during peak times. There are no blackout dates.

*Unfortunately, the same cannot be said for hotel bookings.

The information presented has been collected independently by MoneysMyLife. It is current at the time of publishing and will be updated from time-to-time but value for redeeming through the ThankYou Travel Center may change. Log into your ThankYou account for more information.

REDEMPTIONVALUE PER POINT
Statement credits$0.01
Gift cards$0.01
Bill, mortgage or student loan payment$0.01
Charitable donations$0.01
Shop with Points (Amazon or Best Buy)$0.008
ThankYou Select & Credit$0.0075
Cash (check by mail)$0.005

The information presented has been collected independently by MoneysMyLife. It is current at the time of publishing and will be updated from time-to-time but value for redeeming ThankYou points may change. Log into your ThankYou account for more information.

You also have the option to share your ThankYou points with anyone that has a ThankYou Rewards account. This is a useful option if someone you know needs extra points to book a trip.

Make sure to follow these guidelines:

  • You can transfer up to a maximum of 100,000 ThankYou points per calendar year.
  • You can receive up to a maximum of 100,000 ThankYou points per calendar year.
  • Transferred ThankYou points will expire within 90 days.
  • Transferred ThankYou points cannot be transferred again to another account.

Sign on to your ThankYou points account for further details.


ThankYou Rewards Partner Airline Sweet Spots

With so many airline partners to transfer to, you have plenty of ways to maximize your ThankYou points. Sure, ThankYou Rewards only partners with one domestic airline, but you have great domestic award flight options through its partnerships with international airlines.

Check out our favorite sweet spots based on the information we gathered at the time of publishing:

AVIANCACATHAY PACIFICETIHADSINGAPOREVIRGIN ATLANTIC

TICKETCLASSFROMTOMILESAIRLINE
One-wayEconomyU.S.U.S.6,500+United

TICKETCLASSFROMTOMILESAIRLINE
One-wayBusinessU.S.Europe50,000Cathay Pacific
RoundtripBusinessU.S.Europe100,000Cathay Pacific

TICKETCLASSFROMTOMILESAIRLINE
One-wayBusinessNew YorkCasablanca44,000Royal Air Maroc
One-wayBusinessU.S.Europe50,000American
One-wayBusinessU.S.Japan50,000American
One-wayBusinessU.S.South Korea50,000American
RoundtripBusinessU.S.Europe100,000American

TICKETCLASSFROMTOMILESAIRLINE
RoundtripEconomyU.S.Hawaii35,000United
RoundtripBusinessU.S.Hawaii69,000United
One-wayFirstNew YorkFrankfurt86,000Singapore
One-wayFirstLos AngelesTokyo107,000Singapore

TICKETCLASSFROMTOMILESAIRLINE
One-wayEconomyU.S.U.S.12,000Delta
One-wayBusinessU.S.Europe50,000Delta
One-wayBusinessDetroitTokyo60,000Delta
One-wayBusinessAucklandU.S.62,500Air New Zealand
RoundtripFirstU.S.Tokyo110,000+ANA


Bottom Line

Citi ThankYou Rewards is often overlooked, pigeonholed as a points program with subpar value. But ThankYou points are worth quite a bit if you know how to use them. To unlock the full potential of ThankYou Rewards, you’ll need to carry either the Citi Prestige or the Citi Premier credit card. Which will let you transfer to airline partners, opening doors to a variety of sweet travel deals.


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Diana Mason

Diana Mason

Diana's passion for travel eventually led to her separation from the 9 to 5 office life and into the arms of freelance work. Cali-born and Philly-bred, she's a creative professional with a delightful knack for words. When she's not gallivanting across the globe, Diana can be found writing (of course), teaching yoga and dreaming of her next big adventure.

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