Citi provides many various rewards credit cards. Nonetheless, just some Citi credit cards present entry to the corporate’s precious ThankYou Rewards program, and you will want to carry a premium Citi ThankYou card to achieve full entry to the Citi ThankYou transfer partners.
Whether or not you are making use of in your first credit card or are a seasoned professional searching for a brand new travel rewards card, a number of playing cards in Citi’s portfolio may be best for you.
Let’s take a more in-depth take a look at this system, together with analyzing among the playing cards providing ThankYou Rewards factors and how one can redeem ThankYou Rewards factors.
Finest Citi ThankYou Rewards playing cards
The data 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 one of the best Citi ThankYou Rewards playing cards
| Card | Signal-up bonus | Incomes charges | Annual price | Standout advantages |
|---|---|---|---|---|
| Citi Prestige® Card | Not out there to new candidates |
|
$495 | |
| Citi Premier® Card | 60,000 bonus factors after spending $4,000 in your card inside the first three months of account opening |
|
$95 (see rates and fees) |
|
| Citi Rewards+® Card | 20,000 bonus factors after you spend $1,500 in purchases along with your card inside three months of account opening |
|
$0 (see rates and fees) |
|
| Citi Double Cash® Card | Earn $200 money again after you spend $1,500 on purchases within the first six months of account opening. |
|
$0 (see rates and fees) |
|
| Citi Custom Cash® 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 rates and fees) |
|
Associated: Why the Citi Premier is 1 of my favorite cards in my wallet
Incomes Citi ThankYou Rewards factors
As you possibly can see, many playing cards earn Citi ThankYou factors. However not all ThankYou factors are created equal.
TPG values Citi ThankYou Factors at 1.8 cents every, however that is primarily based on the potential worth you will get by transferring your Citi ThankYou factors to one of many program’s airline or lodge companions. Nonetheless, to switch factors to most Citi ThankYou transfer partners, you will need to maintain a premium Citi ThankYou Rewards card just like the Citi Prestige® Card (which is now not accepting new functions) or the Citi Premier® Card.
For those who solely have the Citi Rewards+® Card, Citi Double Cash® Card or Citi Custom Cash® Card (or one other non-premium Citi ThankYou card), you may earn what we’ll name “fundamental” ThankYou factors. They’re price a flat one cent every when redeemed towards reward playing cards and plenty of different cash-like rewards out there by way of Citi ThankYou.
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It’s also possible to switch “fundamental” ThankYou factors to 3 loyalty applications — Alternative Privileges, JetBlue TrueBlue and Wyndham Rewards — however these transfers will happen at a decrease charge than when you had a premium Citi ThankYou card.
Nonetheless, when you additionally maintain the Citi Prestige or Citi Premier, you possibly can 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 one of the best 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 test our web page on credit card application rules to make sure you’re eligible for the bonus earlier than clicking the “Apply” button.
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Redeeming Citi ThankYou factors
The entire Citi ThankYou Rewards playing cards allow you to redeem ThankYou factors for assertion credit, money rewards, third-party reward playing cards, journey booked by way of the Citi travel portal (now powered by Rocket Journey) and extra at a flat charge of 1 cent per level. Typically, you may even discover reward playing cards on sale that might offer you a barely larger redemption charge.
Watch out, although, as some redemption choices (reminiscent of Store With Factors) present lower than 1 cent per level. Guarantee you’re getting at the very least 1 cent per ThankYou level earlier than you redeem.
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Nonetheless, chances are you’ll get considerably extra worth if you redeem your ThankYou factors by transferring them to airline or lodge companions. Take a look at the next desk for the switch ratios and how long transfers from Citi ThankYou usually take. If you do not have a premium ThankYou Rewards card just like the Citi Prestige or Citi Premier, you possibly can 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 | On the spot |
| Accor Dwell Limitless (ALL) | 2:1 | Lower than 24 hours |
| Air France-KLM Flying Blue | 1:1 | On the spot |
| Avianca LifeMiles | 1:1 | On the spot |
| Cathay Pacific Asia Miles | 1:1 | On the spot |
| Alternative Privileges | 1:2 (2:3 for non-premium playing cards) | On the spot |
| Emirates Skywards | 1:1 | On the spot |
| Etihad Visitor | 1:1 | On the spot |
| EVA Air Infinity MileageLands | 1:1 | 3 days |
| JetBlue TrueBlue | 1:1 (5:4 for non-premium playing cards) | On the spot |
| Main Inns of the World Leaders Membership | 5:1 | Unknown |
| Qantas Frequent Flyer | 1:1 | On the spot |
| 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 | On the spot |
| Wyndham Rewards | 1:1 (5:4 for non-premium playing cards) | On the spot |
With so many switch companions, your choices are plentiful when redeeming Citi ThankYou points. Listed here are some Citi ThankYou sweet spots you would use in among the applications that have a tendency to offer probably the most worth:
Associated: Great ways to maximize Citi ThankYou points
Backside line
Citi ThankYou Rewards factors are perhaps the most underrated of the key factors and miles currencies. Regardless of some negatives, Citi ThankYou factors stay precious, 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 Prestige or Citi Premier is essential. These playing cards unlock transfers to all of the Citi ThankYou companions at one of the best charge, which may present many high-value award reserving choices.
