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Key takeaways
- Citi ThankYou Rewards offers flexible redemption options, including transfers to airline and hotel partners.
- Points transfers typically offer more value than other redemption options, with a 1:1 ratio.
- It may be beneficial to pair multiple Citi credit cards, such as a no-annual-fee card and a premium card, to earn and transfer more points.
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Citi ThankYou Rewards is known for flexible redemption options. You can redeem Citi ThankYou points for the usual options like cash back, gift cards or merchandise, plus the most lucrative redemption option: transferring points to Citi ThankYou Rewards partners.
Like other flexible rewards programs, Citi ThankYou Rewards has a number of airline and hotel transfer partners; it even has one retail transfer partner. Here’s how to make the most of the program.
How to earn Citi ThankYou points
Because Citi ThankYou Rewards is a credit card loyalty program, you can earn points by using the right credit card to pay for your purchases. Citi credit cards that let you rack up ThankYou points each have a unique earning structure that may work for your needs. Some offer a welcome bonus you can earn after meeting time-bound spending requirements, allowing you to earn even more points.
Best credit cards for earning Citi ThankYou points
The best Citi credit cards for earning rewards in this program are:
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Citi Strata Elite℠ Card welcome offer:
- For a limited time, earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening.
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Rewards:
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
- Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
- Earn 1.5 Points per $1 spent on All Other Purchases.
- Annual fee: $595
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Citi Strata Elite℠ Card welcome offer:
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- Up to $300 annual hotel credit
- Up to $120 credit for Global Entry or TSA Precheck
- Priority Pass Select airport lounge access
- Access to Citi concierge service
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Citi Strata Premier® Card welcome offer:
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
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Rewards:
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- Annual fee: $95
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Citi Strata Premier® Card welcome offer:
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- Up to $100 annual hotel credit
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Citi Strata℠ Card welcome offer:
- For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
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Rewards:
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com.
- Earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants.
- Earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- Annual fee: $0
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Citi Strata℠ Card welcome offer:
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- 0% intro APR on purchases and balance transfers for 15 months (then 19.24% – 29.24% (Variable) APR)
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Citi Custom Cash® Card* welcome offer:
- Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
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Rewards:
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
- Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- Earn unlimited 1% cash back on all other purchases.
- Annual fee: $0
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Citi Custom Cash® Card* welcome offer:
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- 0% intro APR on purchases and balance transfers for 15 months (then 18.24% – 28.24% (Variable) APR)
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Citi Double Cash® Card welcome offer:
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
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Rewards:
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
- Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Annual fee: $0
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Citi Double Cash® Card welcome offer:
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- 0% intro for 18 months on Balance Transfers when made within four months of account opening (then 18.24% – 28.24% (Variable) APR)
Citi ThankYou transfer partners
If you want to make the most of Citi transfer partners, keep in mind you’ll need to create a free loyalty account with any airline, hotel or retail programs you plan to transfer points to. You can do this by heading to the desired program website, finding the sign-up page and entering basic personal information to create your account.
Citi ThankYou airline transfer partners
Each of the following Citi travel partners lets you transfer Citi ThankYou points at a 1:1 ratio with the for Citi Strata Elite℠ Card and Citi Strata Premier® Card and 1,000:700 with with Citi cards (unless otherwise specified):
- Air France-KLM Flying Blue
- Aeromexico Rewards
- American Airlines (Citi Strata Elite℠ Card and Citi Strata Premier® Card only)
- Avianca LifeMiles
- Cathay Pacific
- Emirates Skywards (1,000:800 for Citi Strata Elite℠ Card and Citi Strata Premier® Card, 1,000:560 for other cards)
- Etihad Guest
- EVA Air Infinity MileageLands
- JetBlue TrueBlue
- Qantas Frequent Flyer
- Qatar Airways Privilege Club
- Singapore Airlines KrisFlyer
- Thai Airways Royal Orchid Plus
- Turkish Airlines Miles&Smiles
- Virgin Atlantic Flying Club
As for the best Citi ThankYou transfer partners, it depends on where you live and where you plan to fly the most. While any points transfer to an airline partner can be lucrative, the following airlines offer some of the best deals:
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While this program doesn’t offer an award chart, you can frequently fly round-trip to Europe from the United States for as little as 20,000 miles. Award seats also tend to be plentiful when you book early, which is a major benefit for large families.
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There’s no award chart with the JetBlue TrueBlue program because it’s based on the cash price of the ticket, but you can frequently find round-trip domestic flights for 20,000 points or fewer. Round-trip international flights to Central America or the Caribbean tend to be affordable with points, and some flights may be as cheap as domestic itineraries.
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Emirates Skywards boasts one of the most luxurious travel experiences in the skies and offers significant value. First-class awards tend to be on the pricey side, but travel enthusiasts love to use Emirates Skywards miles to book premium flights with partners like Japan Airlines.
Citi ThankYou hotel transfer partners
Citi has four hotel transfer partners, all of which include different points transfer ratios:
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Accor has over 40 hotel brands, including Raffles, Fairmont, Sofitel, and Novotel. ALL Reward points can be redeemed toward unique experiences, charitable donations and merchandise. Transfer ratios from Citi ThankYou points to ALL Reward points are:
- 1,000:500 for Citi Strata Elite℠ Card and Citi Strata Premier® Card
- 1,000:350 for other cards
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Choice Hotels has 22 hotel brands — including Comfort Hotels, Country Inn & Suites, Radisson Blu and the Ascend Hotel Collection — so you’ll have plenty of options to choose from. Transfer ratios from Citi ThankYou points to Choice Privileges points are:
- 1:2 for Citi Prestige and Citi Strata Premier
- 1,000:1,400 for other cards
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Leaders Club, the loyalty program for The Leading Hotels of the World, allows Citi cardmembers to redeem points at over 400 hotels in over 80 destinations. Transfer ratios from Citi ThankYou points to Leaders Club Points are:
- 1,000:250 for Citi Strata Elite℠ Card and Citi Strata Premier® Card
- 1,000:175 for other cards
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Wyndham Rewards members can redeem points at any eligible Wyndham Hotels & Resorts brand, including La Quinta, Days Inn, Wyndham Grand and Super 8. Transfer ratios from Citi ThankYou points to Wyndham Rewards points are:
- 1:1 for Citi Prestige and Citi Strata Premier
- 1,000:700 for other cards
Citi ThankYou retail transfer partners
Sears Shop Your Way program
The Citi ThankYou Rewards program has one non-travel transfer partner you can transfer points to — the Sears Shop Your Way program. With this rewards program, you can earn Shop Your Way points on qualifying purchases, redeem points for gift cards or even transfer Citi ThankYou points to Shop Your Way points. 1X Citi ThankYou point is worth 10X Shop Your Way points.
How to transfer Citi ThankYou points
You’ll typically receive more value from your points if you transfer them to one of Citi’s frequent flyer partners. After all, most Citi redemption options — like cash back and gift cards — come with a valuation of 1 cent per point, whereas Citi ThankYou points are worth roughly up to 1.6 cents each for travel, according to valuations from Bankrate.
Keep in mind
Citi credit cards with no annual fee don’t transfer to travel partners at a full 1:1 ratio. For example, the Citi Strata and Citi Custom Cash cards earn basic ThankYou points that transfer to Citi partners at a lower rate.
For the Citi Double Cash, you can convert your cash back to the same basic ThankYou points. However, you can combine any of these cards with a premier travel credit card — like the Citi Strata Premier℠ Card — to transfer your rewards to airlines.
To redeem your Citi ThankYou points online, follow these steps:
- Head to the Citi ThankYou website and log in to your account. From there, you can choose to transfer points to Citi partners.
- To do so, click “More ways to redeem,” followed by “Points transfer.”
- Decide where you want to transfer your points, such as to an airline or hotel loyalty program. Keep in mind you’ll need to enter your airline or hotel loyalty program information for the transfer to take place.
- Enter the number of points you want to transfer.
- Read and agree to the terms and conditions.
- Confirm the transfer request.
Bankrate’s take:
Not all Citi transfers are instant and can take up to one week to complete. Additionally, if you’d rather transfer your points over the phone, you can call the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596).
How to redeem Citi ThankYou points in other ways
The Citi ThankYou Rewards program has more redemption options than many people realize. Outside of transfer partners, you can redeem your points for:
- Statement credits
- Direct deposits
- Checks
- Gift cards
- Merchandise
- Charitable contributions
- Travel through the Citi portal
- Shopping on Amazon.com, Best Buy, PayPal, Walmart and more
To redeem points in any of the above ways, log in to your account and choose which redemption method you’re interested in from the toolbar.
The bottom line
If you’re looking to get the most value out of your ThankYou points, transferring them to a Citi partner — especially an airline partner — is the best course of action. With that in mind, you may want to consider pairing two or more Citi credit cards, such as a no-annual-fee Citi card and a premium Citi card, if you want to maximize your earnings and transfer points to airlines or other partners.
*Information about the Citi Custom Cash® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
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