Whereas Citi gives many various rewards credit cards, just some Citi credit cards present entry to the corporate’s worthwhile ThankYou Rewards program. You will additionally want to carry a premium Citi ThankYou card in an effort to acquire full entry to Citi ThankYou Rewards transfer partners.
Whether or not you are making use of to your first credit card or are a seasoned professional on the lookout for a brand new travel rewards card, a number of playing cards in Citi’s portfolio may be best for you.
On this information, we’ll look at this system in additional element, together with a few of the finest playing cards providing Citi ThankYou factors and find out how to redeem them.
Greatest Citi ThankYou Rewards playing cards
The knowledge 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 charge | Standout advantages |
|---|---|---|---|---|
| Citi Status Card | This card is just not out there to new candidates. |
|
$495 | |
| Citi Strata Premier Card | Earn 75,000 bonus factors after spending $4,000 on purchases throughout the first three months of account opening. |
|
$95 (see rates and fees) |
|
| Citi Rewards+ Card | Earn 20,000 bonus factors after spending $1,500 on purchases inside three months of account opening. |
|
$0 (see rates and fees) |
|
| *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 may then be redeemed for $200 money again. |
|
$0 (see rates and fees) |
|
| *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 may then be redeemed for $200 money again. |
|
$0 (see rates and fees) |
*Be aware that Double Money and Customized Money cardholders will earn money again within the type of ThankYou factors.
Tips on how 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 will get by transferring your ThankYou factors to one of many program’s airline or resort companions. Nonetheless, to switch factors to most Citi ThankYou switch companions, you need to 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.
In the event you solely have the Citi Rewards+ Card, the Citi Double Cash Card or the Citi Custom Cash Card (or one other nonpremium Citi ThankYou card), you will earn what we’ll name “fundamental” ThankYou factors. They’re price 1 cent every when redeemed for money again through an announcement credit score, direct deposit or verify.
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You may also switch “fundamental” ThankYou factors to a few loyalty packages — Choice Privileges, JetBlue TrueBlue and Wyndham Rewards — you probably have the Citi Rewards+ Card or the Citi Double Money Card, however these transfers will happen at a decrease fee than should you had a premium Citi ThankYou card.
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 “fundamental” 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 most effective switch ratios.
The knowledge 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 credit card application rules to make sure you’re eligible for the bonus earlier than clicking the “Apply” button.
Associated: The best time to apply for these popular Citi credit cards, based on offer history
Tips on how 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 present playing cards and journey booked by the Citi travel portal at a flat fee of 1 cent per level. Generally, you will even discover present playing cards on sale that might provide you with a barely larger redemption fee.
Watch out, although, as some redemption choices (comparable to Store With Factors) present lower than 1 cent per level. Guarantee you might be getting at the very least 1 cent per ThankYou level earlier than you redeem.
Take into account that chances are you’ll get considerably extra worth while you redeem your ThankYou factors by transferring them to airline or resort 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 you probably have the Citi Rewards+ Card or the Citi Double Cash Card (and your switch ratio will not be as profitable).
Try the next desk for the switch ratios.
| Program | Switch ratio |
|---|---|
| Aeromexico Rewards | 1:1 |
| Accor Reside 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 Resort Rewards | 1:4 |
| JetBlue TrueBlue | 1:1 (5:4 with nonpremium playing cards) |
| Leaders Membership (Main Motels 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 points. Listed here are some Citi ThankYou sweet spots you would use in a few of the packages that have a tendency to supply probably the most worth:
Associated: Redeem your points and miles: How to search flight award availability for the major airlines
Backside line
Citi ThankYou Rewards factors are maybe probably the most underappreciated of the foremost factors and miles currencies. Regardless of some negatives, Citi ThankYou factors stay worthwhile, particularly for these seeking to e book 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 most effective fee, which may present many high-value award reserving choices.
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