Citi presents many alternative rewards bank cards. Nonetheless, just some Citi bank cards present entry to the corporate’s helpful ThankYou Rewards program, and you will want to carry a premium Citi ThankYou card to achieve full entry to the Citi ThankYou switch companions.
Whether or not you are making use of on your first bank card or are a seasoned professional in search of a brand new journey rewards card, a number of playing cards in Citi’s portfolio could be best for you.
Let’s take a more in-depth have a look at this system, together with analyzing among the playing cards providing ThankYou Rewards factors and how one can redeem ThankYou Rewards factors.
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.
Evaluating the perfect Citi ThankYou Rewards playing cards
| Card | Signal-up bonus | Incomes charges | Annual charge | Standout advantages |
|---|---|---|---|---|
| Citi Status® Card | Not accessible to new candidates |
|
$495 | |
| Citi Premier® Card | 60,000 bonus factors after spending $4,000 in your card throughout the first three months of account opening |
|
$95 (see charges and costs) |
|
| Citi Rewards+® Card | 20,000 bonus factors after you spend $1,500 in purchases together with your card inside three months of account opening |
|
$0 (see charges and costs) |
|
| Citi Double Money® Card | Earn $200 money again after you spend $1,500 on purchases within the first six months of account opening. |
|
$0 (see charges and costs) |
|
| Citi Customized Money® Card | $200 money again (offered as 20,000 bonus factors) after spending $1,500 on purchases within the first six months of account opening |
|
$0 (see charges and costs) |
|
Associated: Why the Citi Premier is 1 of my favourite playing cards in my pockets
Incomes Citi ThankYou Rewards factors
As you may see, many playing cards earn Citi ThankYou factors. However not all ThankYou factors are created equal.
Should you solely have the Citi Rewards+® Card, Citi Double Money® Card or Citi Customized Money® Card (or one other non-premium Citi ThankYou card), you will earn what we’ll name “fundamental” ThankYou factors. They’re value a flat one cent every when redeemed towards present playing cards and plenty of different cash-like rewards accessible by way of Citi ThankYou.
Each day E-newsletter
Reward your inbox with the TPG Each day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
You can too switch “fundamental” ThankYou factors to a few loyalty packages — Alternative Privileges, JetBlue TrueBlue and Wyndham Rewards — however these transfers will happen at a decrease fee than should you had a premium Citi ThankYou card.
Nonetheless, should you additionally maintain the Citi Status or Citi Premier, you may mix the “fundamental” ThankYou factors into your Citi Status or Citi Premier account after which switch your rewards to any of the 18 Citi ThankYou journey companions at the perfect switch ratios.
If you wish to add a brand new Citi ThankYou card to your pockets, learn the advantageous print for the sign-up bonus and verify our web page on bank card software guidelines to make sure you’re eligible for the bonus earlier than clicking the “Apply” button.
Associated: One of the best time to use for these widespread Citi bank cards, primarily based on provide historical past
Redeeming Citi ThankYou factors
All the Citi ThankYou Rewards playing cards allow you to redeem ThankYou factors for assertion credit, money rewards, third-party present playing cards, journey booked by way of the Citi journey portal (now powered by Rocket Journey) and extra at a flat fee of 1 cent per level. Typically, you will even discover present playing cards on sale that would offer you a barely larger redemption fee.
Watch out, although, as some redemption choices (equivalent to Store With Factors) present lower than 1 cent per level. Guarantee you might be getting at the least 1 cent per ThankYou level earlier than you redeem.
Associated: You possibly can redeem your Citi factors at Walmart, however you most likely should not
Nonetheless, chances are you’ll get considerably extra worth if you redeem your ThankYou factors by transferring them to airline or resort companions. Take a look at the next desk for the switch ratios and the way lengthy transfers from Citi ThankYou normally take. If you do not have a premium ThankYou Rewards card just like the Citi Status or Citi Premier, you may solely switch to Alternative Privileges, JetBlue TrueBlue and Wyndham Rewards (and your switch ratio will not be as profitable, as famous beneath).
| Program | Ratio | Switch time |
|---|---|---|
| Aeromexico Membership Premier | 1:1 | Instantaneous |
| Accor Reside Limitless (ALL) | 2:1 | Lower than 24 hours |
| Air France-KLM Flying Blue | 1:1 | Instantaneous |
| Avianca LifeMiles | 1:1 | Instantaneous |
| Cathay Pacific Asia Miles | 1:1 | Instantaneous |
| Alternative Privileges | 1:2 (2:3 for non-premium playing cards) | Instantaneous |
| Emirates Skywards | 1:1 | Instantaneous |
| Etihad Visitor | 1:1 | Instantaneous |
| EVA Air Infinity MileageLands | 1:1 | 3 days |
| JetBlue TrueBlue | 1:1 (5:4 for non-premium playing cards) | Instantaneous |
| Main Motels of the World Leaders Membership | 5:1 | Unknown |
| Qantas Frequent Flyer | 1:1 | Instantaneous |
| Qatar Airways Privilege Membership | 1:1 | 2 days |
| Singapore Airways KrisFlyer | 1:1 | Lower than 24 hours |
| Thai Royal Orchid Plus | 1:1 | 7 days |
| Turkish Airways Miles&Smiles | 1:1 | 1 day |
| Virgin Atlantic Flying Membership | 1:1 | Instantaneous |
| Wyndham Rewards | 1:1 (5:4 for non-premium playing cards) | Instantaneous |
With so many switch companions, your choices are plentiful when redeeming Citi ThankYou factors. Listed below are some Citi ThankYou candy spots you can use in among the packages that have a tendency to supply essentially the most worth:
Associated: Nice methods to maximise Citi ThankYou factors
Backside line
Citi ThankYou Rewards factors are maybe essentially the most underrated of the main factors and miles currencies. Regardless of some negatives, Citi ThankYou factors stay helpful, particularly for these seeking to e-book award flights on worldwide carriers.
If you wish to maximize the Citi ThankYou Rewards program, having a premium Citi ThankYou card just like the Citi Status or Citi Premier is essential. These playing cards unlock transfers to all of the Citi ThankYou companions at the perfect fee, which may present many high-value award reserving choices.
