The whole information to Citi ThankYou Rewards: Easy methods to earn, redeem and switch factors

Contents

Greatest Citi ThankYou Rewards playing cards Easy methods to earn Citi ThankYou factors Easy methods to redeem Citi ThankYou factors Backside line

Whereas Citi affords many various rewards bank cards, just some Citi bank cards present entry to the corporate’s useful ThankYou Rewards program. You may additionally want to carry a premium Citi ThankYou card so as to achieve full entry to Citi ThankYou Rewards switch companions.

Whether or not you are making use of to your first bank card or are a seasoned professional on the lookout for a brand new journey rewards card, a number of playing cards in Citi’s portfolio could be best for you.

On this information, we’ll study this system in additional element, together with a few of the finest playing cards providing Citi ThankYou factors and how you can redeem them.

Greatest Citi ThankYou Rewards playing cards

The data for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Card	Signal-up bonus	Incomes charges	Annual price	Standout advantages
Citi Status Card	This card isn’t obtainable to new candidates.	5 factors per greenback spent on restaurant, airline and journey company purchases 3 factors per greenback spent on lodge and cruise line purchases 1 level per greenback spent on different purchases	$495
Citi Strata Premier Card	Earn 75,000 bonus factors after spending $4,000 on purchases throughout the first three months of account opening.	10 factors per greenback spent on motels, automobile leases and points of interest booked on CitiTravel.com 3 factors per greenback spent on restaurant, grocery store, gasoline and electrical car charging station purchases, plus different motels and air journey 1 level per greenback spent on all different purchases	$95 (see charges and charges)	$100 annual lodge profit as soon as per calendar 12 months while you guide a single lodge keep of $500 or extra, excluding taxes and charges, via the Citi journey portal No overseas transaction charges Gives entry to all of the Citi ThankYou Rewards switch companions
Citi Rewards+ Card	Earn 20,000 bonus factors after spending $1,500 on purchases inside three months of account opening.	5 factors per greenback spent on motels, automobile leases and points of interest booked on the Citi journey portal via Dec. 31, 2025 2 factors per greenback spent on grocery store and gasoline station purchases for the primary $6,000 in mixed purchases every year, then 1 level per greenback 1 level per greenback spent on all different purchases	$0 (see charges and charges)	Citi routinely rounds earnings on every buy as much as the closest 10 factors 10% factors again for the primary 100,000 ThankYou factors you redeem per calendar 12 months
Citi Double Money Card	Earn $200 in money again after spending $1,500 on purchases within the first six months of account opening. Be aware that this bonus can be fulfilled as 20,000 ThankYou factors, which might then be redeemed for $200 money again.	5% money again on motels, automobile leases and points of interest booked on the Citi journey portal via Dec. 31, 2025 2% money again on all different purchases (1% money again while you buy and 1% money again while you pay your invoice)	$0 (see charges and charges)	$0 legal responsibility on unauthorized prices
Citi Customized Money Card	Earn $200 in money again after spending $1,500 on purchases within the first six months of account opening. Be aware that this bonus can be fulfilled as 20,000 ThankYou factors, which might then be redeemed for $200 money again.	5% money again in your prime eligible spend class (eating places, gasoline stations, grocery shops, choose journey, choose transit, choose streaming providers, drugstores, residence enchancment shops, health golf equipment or reside leisure), as much as $500 spent every billing cycle A further 4% money again on motels, automobile leases and points of interest booked on the Citi journey portal via June 30, 2026 1% money again on all different purchases	$0 (see charges and charges)

Easy methods to earn Citi ThankYou factors

As you’ll be able to see, many Citi playing cards earn ThankYou factors. However not all ThankYou factors are created equal.

TPG’s November 2024 valuations peg the worth of Citi ThankYou Rewards factors at 1.8 cents every, however we base our valuation on the potential worth you may get by transferring your ThankYou factors to one of many program’s airline or lodge companions. Nonetheless, to switch factors to most Citi ThankYou switch companions, you should maintain a premium Citi ThankYou Rewards card just like the Citi Status Card (which is now not accepting new purposes) or the Citi Strata Premier Card.

When you solely have the Citi Rewards+ Card, the Citi Double Money Card or the Citi Customized Money Card (or one other nonpremium Citi ThankYou card), you may earn what we’ll name “primary” ThankYou factors. They’re price 1 cent every when redeemed for money again by way of an announcement credit score, direct deposit or verify.

You can even switch “primary” ThankYou factors to a few loyalty packages — Alternative Privileges, JetBlue TrueBlue and Wyndham Rewards — when you’ve got the Citi Rewards+ Card or the Citi Double Money Card, however these transfers will happen at a decrease price than in the event you had a premium Citi ThankYou card.

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Nonetheless, suppose you additionally maintain the Citi Status Card or the Citi Strata Premier Card. In that case, you’ll be able to mix the “primary” ThankYou factors into your Citi Status or Citi Strata Premier account and switch your rewards to all of the Citi ThankYou journey companions at the very best switch ratios.

The data for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

If you wish to add a brand new Citi ThankYou card to your pockets, learn the high quality print for the sign-up bonus and verify our web page on bank card utility guidelines to make sure you’re eligible for the bonus earlier than clicking the “Apply” button.

Associated: The perfect time to use for these well-liked Citi bank cards, primarily based on supply historical past

Easy methods to redeem Citi ThankYou factors

All of the Citi ThankYou Rewards playing cards allow you to redeem ThankYou factors for assertion credit, money rewards, third-party reward playing cards and journey booked via the Citi journey portal at a flat price of 1 cent per level. Generally, you may even discover reward playing cards on sale that might provide you with a barely greater redemption price.

Watch out, although, as some redemption choices (reminiscent of Store With Factors) present lower than 1 cent per level. Guarantee you’re getting no less than 1 cent per ThankYou level earlier than you redeem.

Remember the fact that it’s possible you’ll get considerably extra worth while you redeem your ThankYou factors by transferring them to airline or lodge companions. Suppose you do not have a premium ThankYou Rewards card just like the Citi Status Card or the Citi Strata Premier Card. In that case, you’ll be able to solely switch to Alternative Privileges, JetBlue TrueBlue and Wyndham Rewards when you’ve got the Citi Rewards+ Card or the Citi Double Money Card (and your switch ratio will not be as profitable).

Take a look at the next desk for the switch ratios.

Program	Switch ratio
Aeromexico Rewards	1:1
Accor Stay Limitless	2:1
Air France-KLM Flying Blue	1:1
Avianca LifeMiles	1:1
Cathay Pacific Cathay	1:1
Alternative Privileges	1:2 (2:3 with non-premium playing cards)
Emirates Skywards	1:1
Etihad Visitor	1:1
EVA Air Infinity MileageLands	1:1
I Favor Lodge Rewards	1:4
JetBlue TrueBlue	1:1 (5:4 with nonpremium playing cards)
Leaders Membership (Main Resorts of the World)	5:1
Miles&Smiles (Turkish Airways)	1:1
Qantas Frequent Flyer	1:1
Qatar Airways Privilege Membership	1:1
Singapore Airways KrisFlyer	1:1
Thai Royal Orchid Plus	1:1
Virgin Atlantic Flying Membership/Virgin Crimson	1:1
Wyndham Rewards	1:1 (5:4 for non-premium playing cards)

With so many switch companions, your choices are plentiful when redeeming Citi ThankYou Rewards factors. Listed below are some Citi ThankYou candy spots you might use in a few of the packages that have a tendency to supply essentially the most worth:

Associated: Redeem your factors and miles: Easy methods to search flight award availability for the most important airways

Backside line

Citi ThankYou Rewards factors are maybe essentially the most underappreciated of the most important factors and miles currencies. Regardless of some negatives, Citi ThankYou factors stay useful, particularly for these seeking to guide award flights on worldwide carriers.

Having a premium Citi ThankYou card just like the Citi Status Card or the Citi Strata Premier Card is necessary to maximise the Citi ThankYou Rewards program. These playing cards unlock transfers to all of the Citi ThankYou companions at the very best price, which might present many high-value award reserving choices.