Citi ThankYou Points offer cardholders a reasonable thanks to maximize their mastercard rewards. Four Citi credit cards offer this versatile points currency.
Customers can redeem points for Citi ThankYou Rewards like cash back, gift cards, shopping or booking travel. They will also move points to a spread of transfer partners for potentially higher value.
Learn more about Citi ThankYou Rewards\ and the way this points program could be a decent rewards option for your wallet.
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How Are You Able To Earn Citi ThankYou Points?
Earning Citi ThankYou Points is that the initiative customers must take before they will spend them. Citi offers multiple options for purchasers to earn ThankYou Points.
Welcome Bonus- Most rewards credit cards offer a welcome bonus supported meeting a minimum spending requirement within a collection timeframe.
This can be generally the best and quickest thanks to earn an oversized number of points. Before applying for a replacement mastercard, take a glance at your expenses to confirm that you just can spend enough. Before the deadline to earn the welcome bonus.
If your daily expenses don’t seem to be enough, consider timing your application with an outsized purchase, like car repairs. Also a home renovation or an annual insurance payment.
Category Bonuses- Three of the Citi ThankYou Points cards offer category bonuses where you will earn extra points on eligible purchases.
“For someone wanting to handle several credit cards, Citi cards have a rich earning combination. Also with covering many of the leading frequent spend categories,” says Stefan Krasowski, the founder of RapidTravelChai.com.
Time-limited Offers- A number of the Citi ThankYou cards have limited-time offers where you’ll earn bonus points on eligible purchases. These limited-time offers are additionally to the traditional category bonuses that these cards offer.
As an example, the Citi Rewards+ mastercard earns five points per dollar spent at restaurants for the primary 12 months, on up to $6,000 in purchases.
Everyday Spending- Use your Citi ThankYou Points mastercard for all of your daily purchases to earn points on every purchase. While not all of those purchases offer category bonuses, even earning one point per dollar will grow your points balance over time.
Many Citi customers use the Citi Double Cash mastercard to earn two points per dollar spent on nonbonus category purchases to maximise the rewards they earn on their spending.
Book Travel Through The Citi ThankYou Portal- Once you use an eligible card to book travel through the Citi ThankYou portal, you’ll earn bonus points on your reservations.
As an example, the Citi Prestige mastercard (not accepting new applications) earns five points per dollar spent on aviation through this portal.
Retention offer- If you’re considering closing your Citi ThankYou Points mastercard, contact customer service first to discount your options. Banks want to retain good customers, so that they may offer a retention bonus if you retain your account open.
In some cases, the retention offer provides bonus points on your purchases for a limited time or up to a specific amount of paying.
Transfer Points Between Accounts- Citi ThankYou Rewards customers can transfer points to other members of the family with a Citi ThankYou Points account. this is often an honest option for spouses, household members and friends who want to mix points for a bigger redemption.
Members can send and receive up to 100,000 points in a very year, and there aren’t any fees to transfer points to eligible members. However transfer only if you have got a particular redemption in mind because transferred points expire 90 days after they’re received.
While this feature is obtainable to most Citi ThankYou Points members, Citi Custom Cash Card customers don’t seem to be eligible to share points.
ThankYou Points bank accounts- Citi customers who opened eligible bank accounts before July 18, 2022, can earn ThankYou Points when completing certain activities. Like making a bill payment or receiving an instantaneous deposit.
However, these programs aren’t any longer available to new accounts at this point.
Which Citi Credit Cards Earn Points?
For consumers curious about earning Citi ThankYou Points, there are four personal credit cards available. Also these cards offer a spread of bonus categories and benefits that cater to different lifestyles.
Only 1 mastercard on this list has an annual fee.
Annual Fee: $0.
Top Rewards Earning Rate: Earn two points per dollar at supermarkets and gas stations on up to $6,000 in purchases annually. However, for the primary year, earn five points per dollar spent at restaurants on up to $6,000, for a limited time.
Sign-up Bonus: Earn 20,000 bonus points after spending $1,500 within three months of opening your account.
Annual Fee: $95.
Top Rewards Earning Rate: Earn three points per dollar spent at restaurants and supermarkets and three points per dollar spent at gas stations, on aviation and on hotels.
Sign-up Bonus: For a limited time, earn 80,000 bonus points after you spend $4,000 within the primary three months of opening your account.
Annual Fee: $0.
Top Rewards Earning Rate: Earn five points per dollar spent within the category where you spend the foremost each billing cycle, on the primary $500 spent in this category.
Sign-up Bonus: Earn $200 cash back after you spend $1,500 within the first six months after opening your account.
Annual Fee: $0.
Top Rewards Earning Rate: Earn two points per dollar spent on every purchase (one point once you buy and one point after you pay it off).
Sign-up Bonus: For a limited time, earn $200 cash back after you spend $1,500 within the first six months after opening your account.
Bethany Walsh, the founding father of BougieMiles.com, highlights two Citi ThankYou Points cards particularly. “The Citi Prestige Card is great for restaurants and travel.
And also the Citi Double Cash Card could be a great option for anyone who’s looking to earn these valuable rewards with no annual fee.”
Some discontinued credit cards also earn Citi ThankYou Points, just like the Citi Prestige Card and also the Sears ThankYou Points Mastercard.
Currently, Citi doesn’t offer any business credit cards that earn ThankYou Points.
How Are You Able To Redeem Citi ThankYou Points?
When redeeming points, ThankYou Rewards members have a variety of alternatives. Travel, gift cards, cash, purchases, and gifts to charities are all possible redemption possibilities. These are the foremost common redemption options:
Book Travel- Through the Citi travel portal, you’ll be able to book flights, hotels, car rentals, cruises and experiences together with your points. Citi is launching a replacement travel portal soon.
Buy Gift Cards- Points may be redeemed for dining, shopping and entertainment gift cards. Brands include Airbnb, Domino’s, Lowe’s, Nike and Staples.
Shop With Points- Citi partners with several retailers where members can use their points to procure purchases. Points may be redeemed for online or in-store purchases, gas purchases, and statement credits. Partners which includes PayPal, Amazon, CVS, Best Buy and Shell.
Cash Back- ThankYou Points is redeemed for cash back through statement credits, direct deposit or a check by mail.
Donate To Charities- Donate money to chose charities by redeeming your points.
Transfer To Partners- Members get access to 17 airline, hotel, and retail partners for point transfers. The majority of cards have varied transfer percentages with certain loyalty programmes, and most points transfer on a one-to-one basis.
Citi ThankYou Points Transfer Partners
Citi ThankYou Points members have 17 airline, hotel and retail partners that they will transfer points to. In most cases, points transfer on a 1-to-1 ratio.
However, some transfer ratios rely upon which Citi ThankYou Points card you’re transferring from.
This chart details which transfer partners are available and also the transfer ratio supported your mastercard.
|LOYALTY PROGRAM||TYPE||TRANSFER RATIO|
|Aeromexico Club Premier||Airline||1-to-1|
|Air France KLM Flying Blue||Airline||1-to-1|
|Cathay Pacific Asia Miles||Airline||1-to-1|
|Choice Privileges||Hotel||1-to-2 – Prestige, Premier|
1-to-1.5 – Preferred, Rewards+, Sears Mastercard, Double Cash
|JetBlue TrueBlue||Airline||1-to-1 – Prestige, Premier|
1-to-0.8 – Preferred, Rewards+, Sears Mastercard, Double Cash
|Qantas Frequent Flyer||Airline||1-to-1|
|Qatar Privilege Club||Airline||1-to-1|
|Sears Shop Your Way||Retail||1-to-10|
|Singapore Airlines KrisFlyer||Airline||1-to-1|
|Thai Royal Orchid Plus||Airline||1-to-1|
|Turkish Airlines Miles & Smiles||Airline||1-to-1|
|Virgin Atlantic Flying Club||Airline||1-to-1|
|Wyndham Rewards||Hotel||1-to-1 – Prestige, Premier|
1-to-0.8 – Preferred, Rewards+, Sears Mastercard, Double Cash
How Much Are Citi ThankYou Points Worth?
The value you’ll receive from your points depends on where you transfer them and the way you employ them.
Book travel via the Citi travel portal- One cent per point.
Buy gift cards- Prices may vary supported the brand, but most are 1 cent per point. Occasionally, some brands last sale so you’ll be able to get higher value for your points.
Shop with points. Values vary counting on where you’re shopping, but most are up to 1 cent per point.
Cash back- Get cash back at a worth of 1 cent per point.
Donate to charities- Charities receive 1 cent for each point redeemed.
Transfer to partners- The worth of your points depends on which program you transfer to and also the way they’re redeemed within those programs.
How Are You Able To Maximize Citi ThankYou Points?
While most ThankYou redemption options are valued at 1 cent per point. So it is possible to urge a far higher value by taking advantage of Citi’s transfer partners to book high-end resorts and premium cabin seats on international flights.
Walsh recommends customers “Really lock in max value by taking advantage of limited-time promotions offering bonuses to transfer partners”. Transfer partner promotions typically occur for brief periods of your time throughout the year.
For instance, customers received a 40% transfer bonus in June 2022 when transferring points to Qatar Airways.
Another way to maximise Citi ThankYou Points is to optimize your purchases. Also by combining the earning power of multiple Citi ThankYou Points credit cards. You will be able to get maximum points on all of your purchases.
The “Citi Premier and Citi Double Cash combo,” according to Krasowski, “earns two to a few points per dollar on all expenditure for under an annual cost of $95.”
Should You Use Citi ThankYou Points?
With four Citi credit cards offering ThankYou Points, including a cash back card that earns two points per every dollar. So spend you will earn substantial rewards through the rewards program.
- 17 airline, hotel and retail partners.
- Most redemption options provide a minimum of 1 cent per point in value, even when redeeming for cash back.
- Sign-up bonuses available for all ThankYou Points cards.
- Citi doesn’t offer a small-business mastercard that earns ThankYou Points.
- Not every card provides point exchanges at a 1:1 ratio.
- Limited domestic airline transfer partners.
Competitors Of Citi ThankYou Rewards
Citi is not the only mastercard issuer with its own rewards ecosystem. Chase, Capital One and American Express even have points currencies offering cash back, gift cards and travel redemption, together with a number of point transfer partners.
Since they doesn’t offer a small-business mastercard that earns ThankYou Points. However, small-business owners are happier getting a card from one amongst the opposite issuers. So it is to maximise spending for private and business expenses.
Citi has four cards that earn points, compared with nine with Chase, nine with AmEx and 6 with Capital One. However still, the issuer is functioning on upgrading its offerings, including launching a replacement travel portal powered by booking.com.
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