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Citi ThankYou Points Cheat Sheet – How to Use Them for Travel

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Dec 19, 2017. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

The information related to the Citi Prestige® Card has been collected by CompareCards and has not been reviewed or provided by the issuer of this card. This offer and/or promotion may have since changed, expired, or is no longer available.

While they may not be as well-known as American Express Membership Rewards® or Chase Ultimate Rewards®, Citi ThankYou® Points can be very rewarding. With multiple cards that earn points and monthly bonuses for banking relationships, there’s a lot of potential to earn rewards. But when it comes time to use your ThankYou® Points, how can you get the most value?

With over a dozen travel partners and bonus value for holding the higher-end cards, there are many different ways you can use your ThankYou® Points towards luxury travel and hotel nights. This guide will help you get the most out of your ThankYou® Points, and determine which options give you the best value.

In this article

How can I use ThankYou® Points for travel?

Citi ThankYou® Points can be used for travel by either booking through Citi’s travel portal, or transferring points to ThankYou® Rewards airline and hotel transfer partners.

Point transfer partners and how transfers take

Citi has quite a few different transfer partners, and point transfers take different amounts of time depending on the program you transfer to. Citi ThankYou® Points transfer to the following programs:

ProgramTransfer RatioTransfer Time
Avianca LifeMiles1000:1000Unknown
Cathay Pacific Asia Miles1000:10001-2 Days
Etihad™ Guest1000:10003-6 Days
EVA Air Inifinity MileageLands1000:10001-2 Days
Garuda Indonesia GarudaMiles1000:10001-2 Days
JetBlue TrueBlue1000:500Instant
Jet Airways Jet Privilege1000:1000Instant
Air France/KLM Flying Blue1000:1000Instant
Malaysia Airlines Enrich1000:1000Instant
Qantas Frequent Flyer1000:10001-2 Days
Qatar Airways Qmiles1000:10001-2 Days
Singapore Airlines KrisFlyer1000:10001-2 Days
Thai Royal Orchid Plus1000:10003-6 Days
Turkish Airlines Miles & Smiles1000:10001-2 Days
Virgin Atlantic Flying Club1000:10001-2 Days

What are the pros and cons for each point transfer partner?

Each transfer partner has its own program pros and cons. Below, we highlight the major Citi ThankYou® Point transfer partners and note a few pros and cons of each program.

JetBlue TrueBlue

  • Pros: JetBlue points are valued between 1 and 1.5 cents per point and most flights are available with points. In addition, the airline offers a flyer favorite transcontinental product, Mint. Points are redeemable for both JetBlue and Hawaiian Airlines flights.
  • Cons: Transferring points down at a 2:1 ratio can make it difficult to earn enough points for a free premium class flight, as they can often start at over 40,000 miles. In addition, JetBlue currently serves 85 cities in the United States, the Caribbean, Mexico, and South America – meaning many cities do not have service. Finally, the airline offers few partners, meaning your miles may not get you very far.

Turkish Airlines Miles & Smiles

  • Pros: Turkish Airlines offers relatively low costs for Star Alliance partner flights. North America flights aboard United Airlines – which include Canada, Mexico and the Caribbean – are only 20,000 miles round trip in economy and 30,000 miles in business. The program allows redemptions for companion tickets – allowing you to take someone along in the same class you hold a paid ticket for a lower amount of miles than a single award ticket.
  • Cons: Redeeming rewards can be a pain: the rules state all partner airline programs must be handled at a Turkish Airlines office. Some people have been able to get around this by calling one of the American offices, but your experience may vary. Unfortunately, awards also come with fuel surcharges, even for those flying in the same continent. Be prepared to pay $100+ in fuel surcharges.

Cathay Pacific Asia Miles

  • Pros: You can get great value by flying from the west coast to Hong Kong. For example: premium economy flights start at 72,000 miles, or 120,000 miles in business. Additionally, miles can be used for awards on over 20 airlines, including oneworld partners and Alaska Airlines. You can also pay any ticket change fees in miles at a rough value of 2 cents per point.
  • Cons: Asia Miles is one of the most complicated programs to use, and getting award tickets is not easy. Only six partners are available online. For the rest (including American Airlines), you will have to submit an airline award request form to start the process. Fuel surcharges also apply on partner airline award tickets, adding to your total cost.

Avianca LifeMiles

  • Pros: Avianca offers decent business and first class award prices, and is based on the length of your flight. For example: flying aboard a Star Alliance carrier to Europe in economy from the northeast part of the United States costs only 20,000 miles one way, or 60,000 in business class. LifeMiles also offers occasional bonuses on purchased miles. If you needed to top off towards an award, LifeMiles might offer you the best option.
  • Cons: As a South American carrier and award rules based on distance, finding a route that works for your budget can be difficult. Further, some routes may be prohibitively expensive, such as flights between the mainland United States and Hawaii at 45,000 miles round trip in economy.

Etihad™ Guest

  • Pros: Etihad™ is known for their luxury first class and business class products aboard select flights. Awards price out by segment – meaning you could fly into an airport on another carrier, and then use your miles for a premium product for a low price. Etihad™ Guest miles can also be used for cheap redemptions on other partners for specific routes. On American Airlines, 25,000 miles will get you an economy flight in the United States, and 50,000 miles can get a one-way business class ticket from the U.S. to Asia.
  • Cons: Etihad™ Guest awards for luxury products are notorious for being expensive and add fuel surcharges to your award, making it hard to redeem miles with credit card points. Another hurdle is that partner award flights cannot be booked online – they must be booked over the phone.

Eva Air Infinity MileageLands

  • Pros: Eva Air offers a number of unique products catering to those flying to southern Asia through Taipei. In addition, you can use miles to book an around-the-world travel ticket.
  • Cons: Infinity MileageLands has a poor cost of redeeming miles: unless you are flying from to or from Taiwan, partner awards are priced much higher compared to other Star Alliance carriers. For example: United flights within North America cost 39,000 miles round trip, which is a big hike from the 25,000 MileagePlus miles for saver awards. In addition, most award flights must be done by a local reservation or ticket office, such as Star Alliance award tickets with a stopover, and around-the-world tickets.

Air France/KLM Flying Blue

  • Pros: Flying Blue offers very reasonable rates from North America to Europe. All of Europe is accessible for 25,000 points one way in economy with no fuel surcharges when flying Delta Air Lines from the United States. Using Flying Blue for flights to Hawaii is also a good value, at 15,000 points in economy one-way, or 30,000 points in business one-way on Delta. The airline occasionally offers promo awards, which can reduce flight prices by up to 50% from specific cities.
  • Cons: First class “La Premiere” and Flex Business Class miles are only available to select Flying Blue elite members – which means unless you fly a lot on Air France and KLM or make them your primary mileage program, you may not get access to the best seats on the airplane. In addition, flying in business class can be a costly proposition: a one-way award ticket starts at 62,500 miles.

Garuda Indonesia GarudaMiles

  • Pros: Award flights for SkyTeam partners and ANA are based on distance, with flights under 1,000 miles one way priced at 15,000 points in economy and 25,000 points in business. The airline is also known for their incredible sales, with discounts on award tickets ranging from 50% to 90%.
  • Cons: It’s incredibly difficult to use GarudaMiles on SkyTeam or ANA award flights. Award tickets for partner airlines can only be completed at Garuda Indonesia sales offices. Unless you live in Chicago, Houston, Los Angeles or New York, or are traveling through Indonesia, actually using your GarudaMiles for any partner airline will be a challenge.

Jet Airways JetPrivilege

  • Pros: This program offers relatively low fees for redeeming points, with some hidden sweet spots on the award chart as well. One of our favorites is using miles between Toronto-Amsterdam: flights cost 37,500 points in economy one-way, or 75,000 in business class.
  • Cons: Most of the flights are out of India, which means redeeming miles could be limited unless you often fly out of South Asia. Moreover, partner awards cannot be booked online – you would have to fill out a form and email it to JetPrivilege for review and confirmation. Finally, some partner award flights are expensive: in the United States, cross-country flights cost 24,000 miles one-way.

Malaysia Airlines Enrich

  • Pros: Enrich offers rewards based on travel class and distance, giving some interesting possibilities for economy and business redemptions. For flights between 600 and 1,800 miles, economy round trips cost 41,000 miles on oneworld partners, or 85,000 for round trip business class.
  • Cons: Much like other foreign carriers, Malaysia Airlines awards must either be done by calling the Malaysia Airlines call center, or at a Malaysia Airlines ticketing office. While they do have an 800 number in the United States, their only four ticketing offices are located in Chicago, Houston, Los Angeles and New York – so redeeming your miles may be challenging.

Qantas® Frequent Flyer

  • Pros: Qantas® offers good pricing for Jetstar flights across Asia and Oceana, with a great website to find award availability. If you are flying inside Australia, Frequent Flyer miles offers a good value: one-way awards start at 8,000 miles in economy. Qantas® Frequent Flyer also has some pretty lenient rules about booking flights, including up to five stopovers per itinerary on oneworld® partners.
  • Cons: Australian flyers often use their miles for short-haul flights or upgrades, because there are a lot of reports of poor availability for long-haul flights. For those that are available, award flights can come at a high cost. From Sydney to Dallas, a one-way business class flight costs 112,000 miles.

Qatar Privilege Club Qmiles

  • Pros: Qmiles offers interesting opportunities for flying through Doha, as well as upgrading on paid flights. Economy flights cost 35,000 miles one way, while business class flights cost 70,000 one way. Upgrades with Qmiles costs 50,000 miles for discounted economy tickets, and 42,500 on flexible economy tickets. The award chart for short flights aboard partners is generous as well: flights under 1,000 miles in distance cost only 15,000 miles for an economy ticket in one-way, and 30,000 in business class one-way. Qatar does not charge fuel surcharge prices for their own award tickets.
  • Cons: When flying more than 2,001 miles, flight awards cost the same as flying to Doha one-way – meaning you could either fly to Doha and onward with Qmiles, or from JFK to LAX. Unless you are flying aboard American’s three-class Airbus A321T, this might not be the best use of points. You also cannot book first class flights aboard Qatar’s A380 aircraft to or from London, which limits premium cabin options.

Singapore KrisFlyer

  • Pros: KrisFlyer miles can be used to book all Star Alliance carriers, along with partner airlines Alaska Airlines and Virgin Australia. But the best use of KrisFlyer miles is flying in the Singapore Suite aboard the A380. Flying the Suites from JFK to Frankfurt costs as little as 76,000 KrisFlyer miles plus fees, while all other suites flights costs between 92,000 and 150,000 miles. Even better, KrisFlyer is one of the few places where you can transfer all of your flexible points (including Chase Ultimate Rewards®, American Express Membership Rewards® and Starwood Preferred Guest Starpoints®) at a 1:1 ratio.
  • Cons: In addition to passing on fuel surcharges, flights aboard partners can be expensive. Awards inside North America on the Star Alliance award chart or Alaska Airlines costs 25,000 miles in economy – the same as a United saver award. The best use of KrisFlyer miles is for international premium class flights, so you should not transfer your miles if you can’t use them for those super premium flights.

Thai Royal Orchid Plus

  • Pros: Thai Royal Orchid offers awards based on distance, which can be advantageous if you are flying from Thailand and want to take a side trip somewhere else in Asia. In addition, there are some limited sweet spots on the Star Alliance award chart: 40,000 Royal Orchid Plus miles can get a single domestic economy roundtrip in North America – 10,000 miles less than a United standard award.
  • Cons: One-way awards on Thai are more expensive than round-trip awards, meaning using miles from Bangkok to connect elsewhere can be pricier than booking a side trip somewhere. In addition, many of the prices on the Star Alliance award chart are more expensive than other Star Alliance carriers. Unless you plan on flying around Asia out of Bangkok, you probably won’t find a whole lot of

Virgin Atlantic Flying Club

  • Pros: Virgin Atlantic miles are among our favorites, because they can be redeemed for upwards of three cents per point for Delta business class or Virgin Atlantic Upper Class. The best redemptions come on international flights aboard Delta: 100,000 points for a roundtrip business class flight to Europe, or 90,000 miles to South America, with no fuel surcharges.
  • Cons: Virgin Atlantic prices their award charts based on peak seasons, and splits the United States based on region. In some situations, booking an economy award may be a lower value than actually paying the cash for a ticket. In addition, awards on other carriers are priced by segment, not by roundtrip. If you are flying nonstop on a partner, you will pay less than having one (or more) segments on your flight.

How to link transfer partners

Linking airline and hotel transfer partners to your Citi ThankYou® Points account is easy. First, login to your account at thankyou.com, then hover over ‘Travel’ on the menu and click ‘Points Transfer.’


From there, you can click ‘Transfer Now’ next to any transfer partner and enter your transfer partner information. You also have the option to have Citi remember your transfer partner account information, so you don’t need to enter it in every time.

What are the best ways to use Citi ThankYou® points?

With so many transfer partners, you have plenty of good options for your Citi ThankYou® points. Some of the best redemptions available include:

  • Singapore Suites on the A380 from 76,000 Singapore KrisFlyer miles for the flight from New York JFK to Frankfurt, Germany
    Image courtesy of Singapore Airlines

    Image courtesy of Singapore Airlines

    If you want to spend longer in Suites class, you can fly from New York to Singapore via Frankfurt for 120,000 miles or from New York to Sydney for 152,000 miles.

  • Continental U.S. to Hawaii one-way for 17,500 Singapore Airlines miles in economy class
    United charges 22,500 MileagePlus miles each way, making this a big discount. Air France/KLM Flying Blue does even a little bit better offering economy class for 15,000 miles in each direction aboard Delta.
  • Save 10,000 miles on every round trip domestic business class booking with Singapore Airlines.
    Singapore KrisFlyer charges 20,000 miles each way, or 40,000 miles round trip, while United charges 25,000 miles each way (50,000 round trip) for the exact same flights.
  • Fly Virgin Atlantic Upper Class from the U.S. to Europe
    Singapore KrisFlyer charges only 100,000 miles to fly round-trip, making them a better deal than Virgin Atlantic Flying Club’s peak season prices of 115,000 – 155,000 miles round-trip, but you’ll pay hefty  surcharges.
  • Air France/KLM Flying Blue to Israel and Northern Africa
    Air France/KLM Flying Blue has some weird region definitions. They consider Algeria, Israel, Morocco, Tunisia, and the Canary Islands to all be part of Europe which can offer some incredible prices to these destinations compared to other airlines.
  • Fly from New York JFK to Brussels in Business Class
    Brussels Airlines business class can be booked with only 88,000 Etihad miles. Etihad also offers a great price for the flight from New York JFK to Casablanca, Morocco for 44,000 miles each way in business class.
  • Virgin Flying Club to fly Delta One to London
    Virgin Atlantic Flying Club miles charges 90,000 miles round trip aboard Delta One to London, or 100,000 to other destinations in Europe from the United States. For the miles, this can be a really good deal.

How does the Citi ThankYou® travel site work?

Using your points to book directly with Citi is simple. You can login to your Citi ThankYou® account at ThankYou.com. Hover on ‘Travel’ on the menu and then click ‘Flights.’

From there, you can enter in the information for a flight itinerary you would like to take, and Citi’s search engine will come back with flight options for you.

Keep in mind that when Citi ThankYou® Points are redeemed through Citi’s travel portal for flights, they are worth different amounts depending on which Citi card you have:

  • Citi Prestige® Card: 1.25 cents per mile
  • Citi Premier℠ Card: 1.25 cents per mile
  • All other Citi ThankYou® Points-earning credit cards: 1 cent per mile

Can you use Citi ThankYou® points for any airline?

You can use Citi ThankYou® points for many airlines, but not technically all airlines. Citi ThankYou® Points can be used to book any airline that is available through Citi’s portal or Citi’s airline transfer partners, often times including the alliance and non-alliance partners of Citi’s airline transfer partners. This list will include many airlines that you’re familiar with like Air France, Singapore Airlines, and more as well as some airlines you might not have heard of before like Belavia.

Some airlines, including low cost carriers, are not bookable with Citi’s transfer partners or directly through the portal.

Do you earn miles for flights booked with the Citi travel portal?

Yes: you will earn miles for flights that are booked through Citi’s travel portal, but the number of miles you earn will depend on what fare class you have booked and what airline you are crediting the flight to.

Should you transfer points or book via Citi?

As with many things points and miles related, it depends on what option works out to be a better deal. Before transferring any points, you should compare the price of a flight booked with cash (or cash equivalents) and the cost of flights booked with miles.

To find award flight availability, visit the award program website you are considering, and search for prices there. In some situations, using a partner website can provide you better information than the award program website.

Finding the cost of booking a cash flight with your points is easy: plug in your travel itinerary to Citi’s travel portal and see what it comes back with.

Keep in mind also that flights booked with miles that have been transferred to a transfer partner will not earn miles, but flights booked directly through Citi’s travel portal most likely will. Additionally, not all airlines are available for booking on Citi’s travel portal, so there could be a less expensive flight available that can be booked through another site without points or miles.

What are Citi ThankYou® Points worth?

The minimum value of Citi ThankYou® Points depends on which Citi ThankYou® Point-earning credit card you have. If you have the Citi Prestige® Card or the Citi Premier℠ Card, the minimum redemption should be at least 1.25 cents per point; and all other CitiThankYou® eligible cards should have a minimum redemption of 1 cent per point. But if you transfer your points to airline partners, you can easily get higher value for your points. We generally won’t redeem our Citi ThankYou® Points for less than 1.5 cents each, and prefer redemptions close to (or over) 2 cents per point.

Can Citi ThankYou® Points be used for cash back, gift cards, and merchandise?

Both cash rewards and gift card redemptions are possible, but the rates are not as good. Check out all of your options below.

  • ThankYou® Select and Credit
    You can use Citi ThankYou® Points to pay for spending in seven unique categories: dining, grocery stores, clothing/department stores, gas, utilities, entertainment, and drugstores. This isn’t a good way to use your points: when you use Select and Credit, your points are worth .75 cents each, meaning you would have to use 20,000 ThankYou® Points to get a $150 statement credit.
  • ThankYou® Cash Rewards
    Your Citi ThankYou® points can also be turned into direct cash back – but at a very poor value. When electing to get cash back, your points are worth .5 cents each, which is less than Select and Credit.
  • ThankYou® Points for Gift Cards
    No matter which Citi ThankYou® Points-earning credit card you hold, you can use those points to get gift cards at the same rate as low-end travel through the Citi ThankYou® Travel Center: 1 cent per point. If you don’t have the Citi Prestige® Card or Citi Premier℠ Card, this can be a good way to use points. But if you hold either of the two higher-end cards, you would lose value by taking gift cards for points.
  • ThankYou® Points for Catalog Items
    In addition to gift cards, you can also redeem your Citi ThankYou® Points for hundreds of items in the ThankYou® Points Catalog. Although this is a better use of points than cash back or ThankYou® Select and Credit, it still provides less value than redeeming for travel: on average, your value per point is only around .8 cents.
  • ThankYou® Points for Online Bill Pay
    If you have a qualifying Citi bank account, your Citi ThankYou® Points can also be applied to paying your bills online. However, this really isn’t a good way to spend points: when applied to online bill pay, your value is only .65 cents per point.
  • ThankYou® Points for Mortgage or Student Loan Payments
    One of the unique advantages Citi ThankYou® Points offers is the ability to use them to pay your mortgage or student loan at the same rate as baseline travel: 1 cent per point. Mortgage Rewards are issued as a check made out to the financial lending institution, while student loan rewards can be applied to any student loan program financial institution. If you don’t have any travel planned in the future, this could actually be a good way to use your points – but remember that travel rewards may often yield a better return.

Using ThankYou® Points for Retail Purchases: Amazon.com®, Best Buy®, Expedia® and LiveNation®

Through their partnerships, it’s possible to use your Citi ThankYou® Points at Amazon.com®, Best Buy®, Expedia® and LiveNation®. But even with these partners, your choices are limited:

  • Best Buy®: You can use points to purchase items at Best Buy®, and then pick them up same-day in store or have them shipped to your home.
  • Amazon.com®: When you link your Citi ThankYou® Points-earning card to your Amazon.com® account, you can use points to pay for purchases. Points can’t be used for music and movie downloads, select gift certificates, Kindle downloads, subscribe and save items, AmazonLocal items, AmazonFresh purchases, Prime subscriptions, or at other Amazon sites including MyHabit or Zappos.
  • Expedia®: You can use Citi ThankYou® Points for Pay Now hotel bookings only, in part or in full. If you make a partial booking in cash and points, you would pay the balance on your Citi card.
  • LiveNation®: You can purchase concert tickets with Citi ThankYou® Points when you link your Citi card to your LiveNation.com® account.

You get a poor value with each of these options. You’ll only get 0.8 cents per point towards each purchase, or $10 in value for every 1,250 ThankYou® Points.
If you use your Citi ThankYou® Points for travel, you should be able to get at least 1.2 cents per point on your redemptions, but we usually strive for closer to 2 cents per point. If you redeem your points at Amazon.com®, Best Buy®, or LiveNation®, you’re leaving money on the table. The only place you may want to consider is Expedia® – but only if you can get a better deal than booking a hotel through the ThankYou® Travel Center.

Can you buy Citi ThankYou® Points?

Yes it is possible to buy Citi ThankYou® points by calling 1-800-THANKYOU. Points can be purchased in 1,000 point increments for $25.

It’s generally not a good idea to buy Citi ThankYou® points at this rate, because you’re effectively buying points for 2.5 cents each, which is higher than our valuation of Citi ThankYou® Points. But if you have a specific redemption in mind but don’t have enough points, it could be worth considering making this purchase, especially when you will get more than 2.5 cents per point in value. Keep in mind: it could be less expensive to purchase airline miles directly from the airline you plan to transfer your points to.

Can you transfer points to other people?

It is possible to transfer your Citi ThankYou® Points to other people, but there are a few restrictions. You can only receive and share a total of 100,000 points per calendar year, and the points that are transferred expire 90 days after the transfer. Transferred points cannot be transferred back or shared with anyone else, so you should only transfer points if you have an immediate use for them.

It is also not possible to transfer taxable points, which are points earned through bank account bonuses (more on that below).

Can you combine points across multiple accounts?

Yes, you can combine points across multiple accounts in the same way that you can transfer points to other people. Keep in mind that transferred points expire after 90 days, so make sure you have an immediate use for your points before you combine them.

What credit cards earn Citi ThankYou® points?

The following credit cards earn Citi ThankYou® points:

  • Citi Premier℠ Card
  • Citi Prestige® Card

ThankYou® Points Spending Bonus Catagories

Spending category bonuses depend on the card. Here are the details for the main Citi TYP-earning credit cards available:

  • Citi Premier℠ Card: Earn 3X Points on Travel, Including Gas Stations, Earn 2X Points on Dining Out & Entertainment, Earn 1X Points on All Other Purchases.
  • Citi Prestige® Card: Earn 3 ThankYou® Points per $1 spent on air travel and hotels wherever you go or stay. Earn 2 ThankYou Points® per $1 spent on dining out and entertainment. Enjoy dinner and a show twice as much. Earn 1 ThankYou® Point per $1 spent on all other purchases, from buying groceries to updating your wardrobe.

Earn Points With Banking Offers

If you have a select bank account with Citi, you could earn even more Citi ThankYou® bonus points every month. The table below shows how you can earn monthly points with a Citi bank account:


Earn Citi ThankYou® Points with Refer-A-Friend Offers

You can refer up to five friends and receive a referral bonus upon their account approval. To find out more, visit this link.

Does Citi offer an online shopping portal to earn more bonus points for online purchases?

Citi used to offer an online shopping portal, but the program was discontinued in 2014.

Do Citi ThankYou® Points expire?

Citi ThankYou® Points can expire. The expiration of your points will depend on the type of Citi account that you have.

CardsExpiration Policy
Citi Prestige® CardYour points won’t expire.
Citi ThankYou® Preferred CardYour points won’t expire except in special cases*

*The special case where your points might expire is if you previously had a different Citi credit card that was converted to a Citi Premier℠ Card. In this case, the points associated with your former account will expire according to:

Card Conversion Special CasePoints Expiration Policy
Citi Platinum with ThankYou® RewardsPoints earned from your previous card account will expire on December 31, five years from the year that you earned them.
Citi Simplicity® CardPoints earned from your previous card account will expire on December 31, five years from the year that you earned them.
Citi Diamond Preferred® Rewards CardPoints earned from your previous card account will expire on December 31, five years from the year that you earned them.

Additionally, purchased points will expire one year from the end of the year in which the points were bought, and shared points expire 90 days after the date that they are shared.
When you redeem your points for a reward, the points that have the earliest expiration date will be deducted first. You can also easily find out if you have any points expiring in the next 60 days by logging into your thankyou.com account and looking under “My Points Summary” in the “My Accounts” section. You can also call the ThankYou® Service Center at 1-800-THANKYOU to find out details about when your points expire.

What happens when you forfeit your ThankYou® Points?

Unfortunately, it is possible to lose your Citi ThankYou® Points. You will lose your points if:

  • You close your Citi account: If you have points and you voluntarily close your Citi account, you must use your points within 60 days or you will lose them.
  • Citi closes your Citi account: If you have points and Citi closes your account for any reason other than inactivity, you’ll lose your points immediately. If your account is closed due to inactivity, you’ll have 60 days from the closure date to use your points, or you’ll lose them.

What happens when I close one of my ThankYou® Points-earning cards?

If you have multiple Citi credit cards that earn Citi ThankYou® Points, you’ll have only one ThankYou® Account. If you close one of those cards, you will still lose the points associated with that card, but you will not lose the points that are associated with other cards.

A few more things you should know:

  • If all of your Citi accounts are closed, your ThankYou® account will also be closed. This means that you’ll have 60 days to use your points before your ThankYou® account is closed. After your ThankYou® account has been closed, you will lose any remaining points.
  • If Citi closes your ThankYou® account and you still have ThankYou® Points, you’ll lose your points immediately.
  • In the event Citi cancels the ThankYou® Rewards program, you’ll have 90 days from the program’s cancellation date to redeem your points. After 90 days you’ll lose any remaining points.
  • If you make a late payment on your credit card account, you may not be allowed to redeem ThankYou® Points you earned from that card until it is current, and you request that Citi reinstates those Points. You can make this request on thankyou.com or by calling the ThankYou® Service Center at 1-800-THANKYOU (1-800-842-6596).
  • You can’t take your points with you: When you die, you will lose your points. Your estate, successors and assigns have no property rights or other legal interests in your points, except in one circumstance:
    • Cash Rewards Option: If Citi receives a written request within 1 year of your death from the executor or administrator of your estate, along with evidence satisfactory to us of your death and the identity and appointment of the executor or administrator, they can allow points remaining in your ThankYou® account to be redeemed for Cash Rewards. If you have questions about this, contact the ThankYou® Service Center at 1-800-THANKYOU for more information.

Is it possible to borrow Citi ThankYou® points?

There is no official way to borrow Citi ThankYou® Points. If you need more points to make a redemption, your best options are to apply for a new credit card that earns Citi ThankYou® Points or spend on a credit card you already have to earn the points needed.

You can also buy Citi ThankYou® points at a rate of 2.5 cents per point in increments of 1,000 points, but keep in mind that this is likely to be a higher price than the value you will get out of your points.

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