How to redeem Citi ThankYou points for best value

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

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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 greatly increase their overall value. ThankYou points transfer at a ratio of 1:1 for most partners. If you transfer your points to a loyalty program with highly valued points, you could see a double, triple or even quadruple increase in point value.

Citi ThankYou points transfer partners

Loyalty transfer partnerConversion rate (ThankYou points to partnered currency)
Asia Miles1000:1000
Avianca LifeMiles1000:1000
Etihad Guest1000:1000
EVA Air1000:1000
Flying Blue1000:1000
Garuda Indonesia1000:1000
JetBlue TrueBlue1000: 800
JetPrivilege1000:1000
Malaysia Airlines Enrich1000:1000
Qantas Frequent Flyer1000:1000
Qatar Privilege Club1000:1000
Sears Shop Your Way1 point: 12 Shop Your Way points
Singapore Airlines1000:1000
Thai Royal Orchid Plus1000:1000
Turkish Airlines Miles & Smiles1000:1000
Virgin Atlantic Flying Club1000:1000

Loyalty program point values

The exact point value of each loyalty program greatly 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.

Our pick for earning Citi ThankYou points

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Compare cards for earning Citi ThankYou points

Name Product Welcome offer Rewards Annual fee Filter values
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
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Citi Premier℠ Card
60,000 points after spending $4,000 in the first 3 months
3x points on travel and gas, 2x points on dining and entertainment and 1x points on everything else
$0 intro annual fee for the first year ($95 thereafter)
Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
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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Can't decide on a card? Get personalized credit card offers with CardMatch™.

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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.

The information about Citi Premier℠ Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Hotel bookings with the Citi Prestige card

If you have a Citi Prestige card, you can take advantage of this card’s fourth hotel night free perk. You can use this perk twice per year and you’ll need to make your Citi Prestige hotel booking through the Citi ThankYou travel portal, using your Citi Prestige card. These requirements aside, you can use perk 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 making any sort of merchandise purchases. Points redeemed on gift cards are worth 1 cent each.

This point value puts it far ahead of making direct purchases using your ThankYou points. Points redeemed on the “Shop With Points” option can reach values as low as 0.3 cents per point.

Reward promotions

Citi will occasionally run sales or other promotions on rewards available on the ThankYou site. In some cases, 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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