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How to redeem Citi ThankYou points for best value

Transfer to select travel partners to make the most of your points.

Updated

Fact checked

With the inclusion of transfer partners in the ThankYou program from Citi — a finder.com advertising partner — there are now a solid number of ways to redeem your ThankYou points for good value. Here are some of the best uses for your rewards.

Transfer to travel partners

Depending on where you transfer your points, you can increase the overall value. ThankYou points transfer at a ratio of 1:1 for most partners. If you transfer your points to a loyalty program with high-value points, you could see a double, triple or even quadruple increase in point value.

Citi ThankYou points transfer partners

Loyalty transfer partner Conversion rate (ThankYou points to partnered currency)
Asia Miles 1,000:1,000
Avianca LifeMiles 1,000:1,000
Etihad Guest 1,000:1,000
EVA Air 1,000:1,000
Flying Blue 1,000:1,000
Garuda Indonesia 1,000:1,000
JetBlue TrueBlue 1,000: 800
JetPrivilege 1,000:1,000
Malaysia Airlines Enrich 1,000:1,000
Qantas Frequent Flyer 1,000:1,000
Qatar Privilege Club 1,000:1,000
Sears Shop Your Way 1 point: 12 Shop Your Way points
Singapore Airlines 1,000:1,000
Thai Royal Orchid Plus 1,000:1,000
Turkish Airlines Miles & Smiles 1,000:1,000
Virgin Atlantic Flying Club 1,000:1,000

Loyalty program point values

The exact point value of each loyalty program depends on how you redeem those points and is subject to change at the loyalty program’s discretion. Point values on our loyalty program guides are an average estimate based on our calculations made at the time of writing.

Compare cards for earning Citi ThankYou points

Name Product Welcome offer Rewards Annual fee Filter values
Citi Premier® Card
60,000 points after spending $4,000 in the first 3 months
3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
$95
Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
Get 2x points on restaurants and gas with this unique no-annual-fee card. Your rewards round up to the nearest 10 points for each purchase!
Citi Prestige® Credit Card
50,000 points after spending $4,000 in the first 3 months
5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases
$495
Earn 50,000 points after spending $4,000 in the first 3 months. All information about this card has been collected independently by Finder.
Citi Rewards+℠ Student Card
2,500 points after spending $500 in the first 3 months
2x points at supermarkets and gas stations for the first $6,000 annually, then 1x after that and on all other purchases
$0
Earn 2,500 bonus points after you spend $500 in purchases with your card within the first 3 months of account opening. All information about this card has been collected independently by Finder.
CardMatch™ from creditcards.com
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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Book travel through Citi

Aside from transferring your points, booking travel through Citi’s travel portal is your next best redemption option, provided you have the Citi Premier® Card. When you book travel through Citi’s travel portal using this card, your points are worth 1.25 cents each instead of the standard 1 cent each.

This option offers a solid value while saving you the time and research needed when transferring points to another loyalty program. What’s more, flights booked this way typically count as a paid fare, meaning you can still earn miles on your preferred airline.

Even if you don’t have the Citi Premier® Card, you might still consider redeeming through the Citi portal. There are no blackout dates when booking through the Citi portal and you’ll rarely have availability issues with your reward flight.

Hotel bookings with the Citi Prestige® Credit Card

The Citi Prestige® Credit Card offers a perk for the fourth hotel night free. Use this perk twice per year when you book Citi Prestige hotel through the Citi ThankYou travel portal, using your Citi Prestige card. These requirements aside, you can use perks on any eligible hotel with no blackout dates, potentially leading to big savings.

Gift cards

While redeeming your ThankYou points for gift cards isn’t exactly a great value, it’s the only way you’ll want to use your points for purchasing merchandise. Points redeemed on gift cards are worth 1 cent each.

Compared to “Shop With Points” option, with values as low as 0.3 cents per point, ThankYou points are far better.

Reward promotions

Citi occasionally runs sales or other promotions on rewards available on the ThankYou site. Sometimes you might find otherwise mediocre redemption options more appealing. Keep your eyes peeled on the ThankYou site.

Payments toward school loans or mortgage

Interestingly, you can redeem your points on payments toward outstanding school or mortgage loans. Points redeemed this way are worth 1 cent each, though you can only redeem in preset denominations ranging from $25 to $1,000 in value.

Bottom line

The inclusion of transfer partners has significantly boosted the value of the Citi ThankYou program. Provided you stick to transfers, Citi ThankYou points are a worthy addition to your wallet and competitive with the other big players such as Chase and Amex. Read more about earning Citi ThankYou points to maximize your reward potential.

If the Citi ThankYou program doesn’t grab you, compare your rewards credit card options to find the loyalty program that offers the best flexibility and value for your needs.

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