July 15, 2024

Citi ThankYou Rewards is the cardboard issuer’s reply to comparable versatile rewards packages from American Specific, Capital One, and Chase. You’ll be able to earn factors within the Citi ThankYou Rewards program with a number of bank cards from Citi, together with each money again bank cards and journey bank cards. That stated, you may unlock a wider number of redemption choices for rewards should you go for a Citi journey bank card just like the card_name.

The excellent news about Citi ThankYou Rewards is the actual fact these factors are really easy to earn. You’ll be able to join Citi bank cards to earn beneficiant welcome affords upfront, but you can too earn factors for every greenback you cost in purchases to your card. From there, Citi ThankYou factors are value a mean of 1.8 cents every relying on the way you redeem them. We’ll break down all of the methods you need to use Citi ThankYou factors and every possibility’s common level values within the sections beneath.

How did we decide the worth of Citi ThankYou factors?

The worth of Citi ThankYou factors relies on how a lot varied redemption choices yield, together with money again, present playing cards, journey by the Citi portal and transfers to Citi airline and resort companions. Observe that the common worth of rewards is boosted by the outsized redemptions you will get with Citi airline and resort companions when redeeming miles for a premium journey redemption.

Additionally observe that the utmost common worth of Citi ThankYou factors (1.8 cents per level) is based on having a Citi journey bank card just like the card_name or the older—but nonetheless worthwhile—Citi Status® Card, which is now not accepting new candidates. In case you go for a Citi bank card that’s geared to incomes money again as a substitute, you may get a decrease common level worth general.

Bank cards that earn Citi ThankYou factors

There are a number of bank cards that earn Citi ThankYou factors. The correct card for you relies on which classes you spend essentially the most in and the way you wish to redeem rewards.

Not accepting new candidates

AT&T Factors Plus® Card from Citi

Not accepting new candidates

What’s the worth of Citi ThankYou factors?

The worth of Citi ThankYou factors relies upon largely on the way you determine to money them in. Here is a rundown of the common values for these factors based mostly on the out there redemption choices.

Reserving by the Citi ThankYou journey portal

First off, you must know that the Citi ThankYou program has its personal journey portal that works just like the Chase journey portal or AmexTravel.com. This portal enables you to ebook airfare, accommodations, automotive leases, and different journey instantly together with your factors for final comfort.

Level redemptions by the Citi journey portal are value one cent every irrespective of the kind of journey you redeem for. When you have 30,000 Citi ThankYou factors, and also you go to ebook airfare, for instance, your factors will probably be value $300 in flights.

The excellent news in regards to the Citi journey portal is the actual fact you’ll be able to ebook with a mix of factors and money. In case you had 30,000 Citi factors and located a flight for $400, for instance, you might redeem your rewards for a $300 price discount, pay the $100 remaining fare in money and ebook the precise flight you needed.

Transferring to companions

Citi affords a variety of airline and resort companions that may supply distinctive worth if you understand how to make use of them. These companions embrace each airways and resort companions, together with widespread choices like Air France /Flying Blue, Virgin Atlantic, Accor Reside Limitless and Wyndham Rewards.

Observe that customers with a Citi journey bank card get entry to all of the switch companions in this system, whereas money again bank card prospects solely get entry to a couple. In the end, because of this having the card_name or the older Citi Status® will get you the next common level worth general.

The chart beneath exhibits the total record of Citi ThankYou switch companions and their switch ratios:

Citi ThankYou switch associate record

Singapore Airways KrisFlyer

Turkish Airways Miles&Smiles

How will you get a mean worth of 1.8 cents per level or extra with Citi ThankYou companions? You are able to do this by transferring rewards from an eligible Citi account to a associate (often an airline, however generally a resort associate) and making a premium redemption from there.

Think about this instance:

Think about you wish to journey to Oslo, Norway in June of subsequent 12 months, and you’ve got a stash of Citi ThankYou factors to spend. You possibly can switch your rewards to the Selection Privileges program and get a switch ratio of 1:000:2,000, thus doubling your rewards to spend on accommodations. 

In that state of affairs, you might switch 8,000 Citi factors to this program, wind up with 16,000 Selection Privileges factors and ebook the Consolation Resort Grand Central in Oslo for 16,000 factors per evening.


Citi ThankYou rewards

This resort has a nightly money price of two,549 Norwegian Krones in June, or $234 USD, so you’ll be getting a rewards worth of somewhat beneath 3 cents per level for the 8,000 Citi ThankYou factors you transferred.


Citi ThankYou Rewards

Now let’s have a look at an airline associate—particularly, Virgin Atlantic. Think about you needed to fly from New York Metropolis (JFK) to London, England (LHR). In that state of affairs, you could possibly ebook a one-way flight for as little as 10,000 factors plus $151.70 in financial system class.


virgin atlantic 1

For a similar journey date, nevertheless, you might ebook the identical flight for $466.20 in money. 


virgin atlantic 2

Once you subtract the $151.70 in airline taxes and charges, this leaves you with a value distinction of $314.50. For the reason that flight would set you again 10,000 Virgin Atlantic factors that switch from Citi at a 1,000:1,000 ratio, this will get you a degree worth of over 3 cents per level.


amazon and pay pal

You can even use Citi ThankYou factors to make purchases on Amazon.com, and doing so will get you a rewards worth of 0.8 cents per level. This implies 10,000 Citi ThankYou factors are value $80 in Amazon merchandise, which isn’t one of the best redemption however not half unhealthy, both.

The identical redemption worth can be provided for purchases made by PayPal, which may embrace any of the thousands and thousands of worldwide retailers that allow you to pay with this on-line cost platform.

Buying with different retailers


cvs and walmart

You can even redeem Citi ThankYou factors for merchandise with different retailers, together with Walmart and CVS. Nonetheless, the redemption values aren’t nice in any respect since it’s important to redeem 1,250 Citi ThankYou factors for $10 in merchandise.

Additionally, you’ll be able to solely redeem rewards at these retailers in blocks of $10 for 1,250 factors, so this could go away you paying the money distinction for purchases even when you could have further Citi factors to spare.

Money again worth

Having the card_name, Citi Status®, the card_name, the card_name, or the AT&T Factors Plus® Card From Citi helps you get a rewards worth of 1 cent per level on this class.

Citi bank cards additionally allow you to redeem for money again within the type of assertion credit, direct deposit, or a test within the mail.

Reward playing cards worth

You can even redeem Citi ThankYou factors for a broad vary of present playing cards from eating places, retailers, journey manufacturers, and extra. The purpose worth you will get for present playing cards varies, however you’ll be able to simply get one cent per level in worth should you’re versatile on the kind of present card you get.


lowes

You’ll be able to generally even get a couple of cent per level in worth attributable to Citi’s present card “gross sales” that change over time. Here is an instance of a $25 Hulu present card you’ll be able to redeem for two,250 factors. You possibly can additionally get a $100 Hulu present card for 9,000 factors.

Citi ThankYou factors calculator

The Citi ThankYou factors calculator might help you determine what your rewards are value based mostly on how you intend to redeem them.

Various playing cards to Citi ThankYou factors 

Citi ThankYou factors are a versatile rewards forex you’ll be able to earn with varied Citi bank cards, however there are different versatile currencies on the market. The most well-liked packages embrace Chase Final Rewards, American Specific Membership Rewards and the Capital One Miles packages.

Every of those packages supply the choice to redeem rewards by a journey portal or switch factors to varied airline and resort packages if in case you have an eligible rewards bank card. Nonetheless, every program has its personal distinctive switch companions to study and perceive, so you may wish to evaluate these packages earlier than you determine.

Additionally, Chase Final Rewards, American Specific Membership Rewards, and Capital One Miles let customers redeem rewards for non-travel choices like money again, present playing cards, and merchandise, albeit with completely different rewards values general. 

In case you’re occupied with testing alternate options to the Citi ThankYou Rewards program, contemplate the next packages and rewards bank cards:

American Specific Membership Rewards

  • Platinum Card® from American Specific
  • American Specific® Gold Card
  • Capital One Enterprise Rewards Credit score Card
  • Capital One Enterprise X Rewards Credit score Card
  • Chase Sapphire Most well-liked®
  • Chase Sapphire Reserve®

Find out how to mix ThankYou factors

The Citi ThankYou Rewards program lets customers mix all their rewards factors in a single account offered all factors belong to the identical individual. To do that, Citi says you must log into your Citi account and head to the part that claims “Handle My Account.” From there, you choose the choice to “Mix My Account” from a drop down menu.

There could also be notable advantages that come about should you mix Citi ThankYou factors throughout a number of playing cards and also you occur to have the Citi Premier® Credit score Card or the Citi Status®. On this state of affairs, combining Citi factors from different Citi ThankYou playing cards into your Citi journey card account would unlock the potential to switch factors to all Citi ThankYou airline and resort companions as a substitute of only a few.

Find out how to share ThankYou factors

You can even share Citi ThankYou factors with another person and with out incurring any charges. There are some “gotchas” although with this selection, so be sure you learn the high quality print and perceive the phrases earlier than you progress your factors to a different individual’s account.

Basically, Citi enables you to share as much as 100,000 Citi ThankYou factors with one other individual inside a calendar 12 months; the identical most applies to what number of factors somebody can obtain. Nonetheless, shared factors should be used inside 90 days of the switch or they turn out to be invalid. This implies you must solely switch factors to a different individual if they will use them immediately. 

Additionally, individuals who have the Citi Double Money® Credit score Card aren’t eligible to share factors.

What are the worst makes use of of Citi ThankYou factors?

You’ll be able to redeem your rewards nevertheless you need, and there is not any have to really feel unhealthy about getting lower than optimum worth. Nonetheless, some redemptions are much less profitable than others. 

The worst makes use of of Citi ThankYou factors embrace:

  • Buying by Amazon or PayPal.com (0.8 cents per level).
  • Merchandise by Walmart or CVS (0.8 cents per level).
  • Level transfers to companions that provide you with lower than one cent per level in worth.

On the finish of the day, you must at all times attempt to get at the very least one cent per level in worth for Citi ThankYou factors. In spite of everything, all Citi playing cards out there to new candidates in the present day supply one cent per level should you redeem for choices like money again or assertion credit, so that is the naked minimal you may wish to shoot for.

In case you like to journey, you can too get one cent per level in worth for airfare, accommodations and extra by the Citi ThankYou portal. Even higher, transferring factors to companions can get you a mean worth of 1.8 cents per level and doubtlessly greater than that.

TIME Stamp: Citi ThankYou factors are particularly worthwhile for journey

The Citi ThankYou Rewards program is greatest for individuals who journey and need to join a journey bank card just like the card_name. Nonetheless, Citi prospects with money again playing cards just like the card_name and the card_name nonetheless get entry to a wide range of redemption choices, plus level transfers to a handful of airline and resort companions.

In case you are searching for a versatile rewards forex, nevertheless, you may additionally wish to evaluate this program to American Specific Membership Rewards, Capital One Miles and Chase Final Rewards. Doing so might help you earn essentially the most worthwhile rewards based mostly in your regular spending and redemption habits.

Often requested questions (FAQs)

How a lot are 50,000 Citi factors value?

In case you redeem Citi ThankYou factors for money again, 50,000 factors might be value $500. In case you redeem for level transfers to companions, 50,000 factors are value a mean of $900.

What number of Citi factors equal $1 greenback?

Usually talking, 100 Citi ThankYou factors equal $1.

How a lot is 10,000 Citi factors value?

A stash of 10,000 Citi factors might be value $100 in money again or a mean of $180 in journey if transferred to airline or resort companions and redeemed properly.

What does 20,000 Citi Factors get you?

You’ll be able to redeem 20,000 Citi factors for $200 in money again or journey typically. In case you switch factors to an airline or resort associate first, you may get a mean of $360 in worth.

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