Citi ThankYou Score Review | credit cards

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Citi ThankYou Points offer cardholders an affordable way to maximize their credit card rewards. Four Citi credit cards provide this flexible point currency. Customers can redeem points for Citi ThankYou rewards such as cashback, gift cards, shopping or travel booking. They can also transfer points to a variety of transfer partners for a potentially higher value. Learn more about Citi ThankYou rewards and how this points program can be a good choice for rewards for your wallet.

How can you earn Citi ThankYou points?

Earning Citi ThankYou Points is the first step customers must take before they can spend them. Citi offers customers multiple options to earn ThankYou Points.

  • Welcome bonus. Most rewards credit cards offer a welcome bonus based on meeting a minimum spending requirement within a specified time frame. This is generally the easiest and fastest way to earn a large number of points. Before applying for a new credit card, take a look at your spending to make sure you can spend enough before the deadline to earn the welcome bonus. If your daily expenses aren’t enough, consider timing your application with a large purchase, such as a car repair, home renovation, or annual insurance payment.
  • Category rewards. Three of the Citi ThankYou Points cards offer tier rewards where you can earn bonus points on eligible purchases. “For the person who likes to carry multiple credit cards, Citi cards have a solid pay-off that covers many of the most popular spending categories,” says Stefan Krasovsky, founder of RapidTravelChai.com.
  • Limited time offers. Some Citi ThankYou cards have limited-time offers where you’ll earn additional points on eligible purchases. These limited time offers are in addition to the regular tier rewards offered by these cards. For example, the Citi Rewards + Credit Card earns five points for every dollar spent at restaurants for the first 12 months, on purchases of up to $6,000.
  • daily spending. Use your Citi ThankYou Points credit card for all your daily purchases to earn points on every purchase. While not all of these purchases offer tier rewards, earning one point per dollar will increase your points balance over time. Many Citi customers use the Citi Double Cash Credit Card to earn 2 points for every dollar spent on non-free tier purchases to increase the rewards they earn on their spend.
  • Book a flight through the Citi ThankYou portal. When you use an eligible card to book a flight through the Citi ThankYou portal, you can earn bonus points on your bookings. For example, the Citi Prestige credit card (which does not accept new applications) earns five points for every dollar spent on air travel through this portal.
  • display retention. If you’re considering closing your Citi ThankYou Points credit card, contact Customer Service first to narrow down your options. Banks want to keep good clients, so they may offer a retention bonus if you keep your account open. In some cases, a keep offer provides bonus points on your purchases for a limited time or even a certain amount of spending.
  • Transfer points between accounts. Citi ThankYou Rewards customers can transfer points to other family members using a Citi ThankYou Points account. This is a good option for couples, family members and friends who want to combine points for greater redemption. Members can send and receive up to 100,000 points in a calendar year, and there is no fee for transferring points to eligible members. Transfer only when you have a specific redemption in mind because transferred points expire 90 days after receiving them. While this option is available to most Citi ThankYou Points members, Citi Custom Cash Card customers are not eligible to share points.
  • ThankYou Points Bank Accounts. Citi customers who opened eligible bank accounts before July 18, 2022 can earn ThankYou Points when they complete certain activities, such as paying bills or receiving direct deposit. However, these programs are no longer available for new accounts at this time.

What Citi Credit Cards Earn Points?

For consumers interested in earning Citi ThankYou points, there are four personal credit cards available. These cards offer a variety of reward categories and benefits to suit different lifestyles. Only one credit card on this list has an annual fee.

  • Annual fee: 0 dollars.
  • Highest rate of earning rewards: Earn 2 points per dollar at supermarkets and gas stations on purchases of up to $6,000 each year. For the first year, earn five points for every dollar spent at restaurants up to $6,000 for a limited time.
  • Subscription bonus: Earn 20,000 reward points after spending $1,500 within three months of opening your account.

  • Annual fee: $95.
  • Highest rate of earning rewards: Earn three points for every dollar spent at restaurants and supermarkets and three points for every dollar spent at gas stations, air travel and hotels.
  • Subscription bonus: For a limited time, earn 80,000 reward points after you spend $4,000 within the first 3 months of opening your account.

  • Annual fee: 0 dollars.
  • Highest rate of earning rewards: Earn five points for every dollar spent in the category in which you spend the most amount of each billing cycle, on the first $500 spent in that category.
  • Subscription bonus: Earn $200 in cash after spending $1,500 in the first six months after opening your account.

  • Annual fee: 0 dollars.
  • Highest rate of earning rewards: Earn 2 points for every dollar spent on each purchase (1 point when purchased and 1 point when paid).
  • Subscription bonus: For a limited time, earn $200 in cash after spending $1,500 in the first six months after opening your account.

Bethany Walsh, founder of BougieMiles.com, highlighted the two Citi ThankYou Points cards in particular. “The Citi Prestige Card is great for restaurants and travel. The Citi Double Cash Card is a great option for anyone looking to earn these valuable rewards without an annual fee.”

Some discontinued credit cards also earn Citi ThankYou points, such as the Citi Prestige Card and Sears ThankYou Points Mastercard. Currently, Citi does not offer any commercial credit cards that earn ThankYou Points.

How can you redeem City Thank You points?

ThankYou Rewards members have many options when redeeming points. Redemption options include travel, gift cards, cash, shopping and charitable donations. These are the most popular recovery options:

  • travel book. Through the Citi travel portal, you can book flights, hotels, rental cars, cruises, and experiences with your points. Citi is launching a new travel portal soon.
  • Buy gift cards. Points can 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 pay for purchases. Points can be redeemed for online or in-store purchases, gas purchases, and statement credits. Partners include Amazon, PayPal, CVS, Best Buy, and Shell.
  • cashback. ThankYou Points can be redeemed for cash back through statement balances, direct deposit, or a check by mail.
  • Donate to charities. Donate money to selected charities by redeeming your points.
  • Convert to Partners. Members can transfer points to 17 airlines, hotels and retail partners. Most points are converted on a 1-to-1 basis, and some cards have different conversion ratios with certain loyalty programs.

Point Transfer Partners Citi ThankYou

Citi ThankYou Points members have 17 airlines, hotels, and retail partners to which they can transfer points. In most cases, points are converted in a 1 to 1 ratio. However, some conversion percentages depend on which Citi ThankYou points card you’re transferring from.

This chart shows the details of the available transfer partners and the conversion percentage based on your credit card.

loyalty program Writes conversion ratio
Aeromexico Premier Airline 1 to 1
KLM Air France Flying Blue Airline 1 to 1
Avianca Life Miles Airline 1 to 1
Cathay Pacific Asia Miles Airline 1 to 1
Choice Privileges the hotel 1 to 2 – Prestige, Premier
1 to 1.5 – Preferred, Rewards +, Sears Mastercard, Double Cash
Emirates Skywards Airline 1 to 1
Etihad Guest Airline 1 to 1
air eva Airline 1 to 1
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
Qatari Privilege Club Airline 1 to 1
Sears Shop Your Way selling by pieces 1 to 10
Singapore Airlines Chris Flyer Airline 1 to 1
Thai Royal Orchid Plus Airline 1 to 1
Turkish Airlines Miles and Smiles Program Airline 1 to 1
Virgin Atlantic Flight Club Airline 1 to 1
Wyndham Rewards the hotel 1 to 1 – Prestige, Premier
1 to 0.8 – Preferred, Rewards +, Sears Mastercard, Double Cash

What is the value of Citi ThankYou Points?

The value you will get from your points depends on where they are transferred and how they are used.

  • Book a flight through the travel portal Citi. One cent per point.
  • Buy gift cards. Prices may vary based on the brand, but most are 1 cent per point. Occasionally, some brands are put up for sale so you can get a higher value for your points.
  • Shop with points. Values ​​vary depending on where you shop, but most come to 1 cent per point.
  • cashback. Get 1 cent cashback per point.
  • Donate to charities. Charities receive one cent for each point redeemed.
  • Convert to Partners. The value of your points depends on the program you are transferring to and how you can redeem them in those programmes.

How can you maximize your Citi ThankYou Points?

While most ThankYou redemption options are valued at 1 cent per point, it’s possible to get much higher value by taking advantage of Citi’s transportation partners to book upscale resorts and premium cabin seats on international flights.

Walsh recommends customers “really lock in maximum value by taking advantage of time-limited promotions that offer rewards for partner transfers.” Transfer partner promotions typically occur for short periods of time throughout the year. For example, customers received a 40% transfer bonus in June 2022 when transferring points to Qatar Airways.

Another way to maximize your Citi ThankYou Points is to improve your purchases. By combining the earning power of multiple Citi ThankYou points credit cards, you can get the maximum number of points on all your purchases.

Krasowski’s preferred strategy is the “Citi Premier and Citi Double Cash combination, which earns two to three points for every dollar spent for an annual fee of just $95.”

Should You Use Citi ThankYou Points?

With four Citi credit cards that offer ThankYou points, including a cashback card that earns two points for every dollar spent, you can earn big rewards through the rewards program.

Positives

  • 17 airline, hotel and retail partners.
  • Most redemption options provide as little as 1 cent per point of value, even with cashback.
  • Sign up rewards available for all ThankYou Points cards.

Negatives

  • Citi does not offer a credit card for small businesses that earn ThankYou Points.
  • Not all cards offer 1-to-1 point conversions.
  • Domestic Transportation Partners Limited.

Citi ThankYou Rewards . Competitors

Citi isn’t the only credit card issuer with its own rewards system — Chase, Capital One, and American Express also have point currencies that offer cashback, gift cards, and travel redemption, along with a range of point conversion partners. Since Citi does not offer a credit card for small businesses that earn ThankYou points, it is best for small business owners to obtain a card from one of the other issuers to boost spending on personal and business expenses.

Citi has four cards that earn points, compared to nine with Chase, nine with AmEx and six with Capital One. However, the issuer is working to upgrade its offerings, including launching a new travel portal powered by booking.com.

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