How Much Are Citi ThankYou Points Worth?

Citi lets you earn ThankYou Points through various credit cards. Even the Citi Custom Cash Card and the Citi Double Cash Credit Card, both marketed as cash back cards, are linked to the Citi ThankYou Rewards program. The card you get, the bonus categories it comes with and your spending habits affect how quickly you earn points.

The value of Citi ThankYou Points varies based on the redemption method you choose. For example, you usually get better value by transferring them to an airline partner instead of using them to shop online. In most cases, you can expect to get 0.5 cents to 1 cent per point. This is about average if you compare the value you get through the Citi ThankYou Rewards program with rewards programs run by other credit card issuers.

• How Much Are Citi ThankYou Points Worth?
• How Citi ThankYou Points Compare to Other Credit Cards
• How to Earn More Points From Citi
• About Citi ThankYou Rewards
• Other Questions You May Have About Citi ThankYou Points

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How much Citi ThankYou Points are worth depends on how you redeem them. For example, you typically get better value if you use them to make travel bookings instead of redeeming them as cash back.

The Citi ThankYou Rewards program offers fairly average value compared to other popular credit card rewards programs. Transfers to most airline and hotel loyalty programs take place at a 1:1 ratio. In some cases, people with Citi Prestige (no longer available) and Citi Premier cards get better value than others when they transfer Citi ThankYou Points.

Although the redemption method plays a role in the value you get for your ThankYou Points, the same also holds true with most other rewards programs.

The value of ThankYou Points, when redeemed for cash back, depends on the Citi card you use. For example, you get 1 cent per point if you have the Citi Double Cash or the Citi Custom Cash Card and redeem your points in the form of a check, a direct deposit or a statement credit. With the Citi Rewards+ Card, cash back redemptions come with a value of 0.5 cents per point.

If you’re wondering how to redeem Citi ThankYou Points for cash back, you need to start by logging in to the ThankYou.com platform. Then, under Cash Rewards, choose whether you wish to receive your cash back as a statement credit, direct deposit or check by mail. Opting for this redemption method might work well for you if you receive a value of 1 cent per point. If you only get 0.5 cents per point, you may want to consider choosing a different method.

When you redeem your ThankYou Points for gift cards, your points will be worth 1 cent per point in most cases. Some popular brands you can choose from include Adidas, Airbnb, Banana Republic, Gap, Lowe's, Macy's, Nike, Sears and Wendy's. Citi also offers gift cards on sale from time to time, through which you get better value.

Redeeming ThankYou Points for gift cards is fairly straightforward. Once you log in to the ThankYou.com platform, select the gift cards you wish to purchase and add them to your cart. Then, pay for them using your ThankYou Points.

If you redeem your ThankYou Points for flight tickets, hotel stays, cruises or car rentals through the Citi ThankYou Travel Center, you get a standard value of 1 cent per point.

Redeeming ThankYou Points for travel purchases requires that you log in to the ThankYou.com platform. Then, you may look for flights, hotels, cruises or rental cars based on your requirements. If you don’t have enough points to pay for a booking, you may pay the remainder using cash.

Transfers to most Citi ThankYou transfer partners take place at a 1:1 ratio. However, the actual value you get for your points depends on the partner you select. While it’s possible to get a value of more than 2 cents per point in some cases, depending on which loyalty program you transfer your points to and how you redeem them via that program, a value of 1 cent to 2 cents per point is typical.

Once you log in to the ThankYou.com platform, select the Points Transfer option under Travel. Choose the transfer partner to initiate your transfer. You need to transfer points in increments of 1,000, although this does not apply when you transfer points to the Sears Shop Your Way program. In addition, you cannot transfer more than 500,000 points in one go. Bear in mind that not all partners provide the same value. Some of your top options include Avianca LifeMiles, Virgin Atlantic Flying Club and Etihad Guest.

When it comes to how to use Citi ThankYou Points for shopping and the value you receive in return, the worth of your points may vary slightly based on the partner you select. On average, you may expect to get 0.8 cents per point through the Shop with Points option.

There are a few different ways to use Citi ThankYou Points for shopping. If you wish to use your points to shop at Amazon.com, you need to add your Citi card to your Amazon account first. This is also the case if you want to use your points while checking out using PayPal. Using your points at Walmart or CVS to cover $10 of an in-store purchase requires that you use your Citi card. This is also the case if you plan to redeem your points for fuel purchases at Shell or BP Amoco.

With merchants such as Best Buy and 1-800-Flowers.com, you need to pay for your purchase using your Citi card first. Citi charges the card the entire amount and then provides a statement credit in lieu of your points.

An easy way to earn bonus Citi ThankYou Points is to get a Citi credit card linked to this rewards program and meet its spend-based requirement. For instance, you may earn 60,000 bonus points if you use your new Citi Premier Card and spend $4,000 on purchases in the first three months. Nevertheless, it’s worth noting that you might not qualify for a welcome bonus if you’ve held the same card in the preceding 24 months.

Adding an authorized user to your card allows you to earn points faster. Additional cards linked to a Citi card that earns ThankYou Points also earn points. However, bear in mind that you’ll be liable to pay for all charges made using authorized cards.

While not all cards let you earn ThankYou Points, a few other rewards cards from Citi are worthy of your attention. For example, the American Airlines AAdvantage MileUp Mastercard is an excellent no-annual-fee option for earning AAdvantage miles. And the Citi/AAdvantage Executive World Elite Mastercard is ideal for frequent American Airlines flyers who wish to get premium benefits.

Unlike some credit card rewards programs that let you earn points/miles through partner merchants, the Citi ThankYou Rewards program does not. However, some of its cards let you earn points faster through bonus categories such as travel, dining, drugstores, supermarkets, home improvement stores, gas stations and live entertainment. Cards that fit this bill include the Citi Custom Cash Card, the Citi Rewards+ Card and the Citi Premier Card.

You may buy ThankYou Points in increments of 1,000. Each set of 1,000 points costs $25, so you end up paying 2.5 cents per point. That is more than the value you typically get for your ThankYou Points. In addition, when redeeming a reward, you might be able to pay for any deficit in points with cash. As a result, you need to look at the value you get when you purchase ThankYou Points in advance.

Citi runs the ThankYou Rewards program for eligible credit cardholders and consumer checking account holders. However, only checking accounts enrolled in the program before July 18, 2022, continue to earn ThankYou Points.

If you have a Citi credit card linked to the ThankYou Rewards program, you earn points every time you make a purchase. Depending on your card, you may earn points faster by spending on bonus categories.

There is no maximum limit to the number of points you may earn with a Citi credit card. The expiration policy of ThankYou Points varies based on the card you have. If you’re wondering how to keep Citi ThankYou Points from expiring, it’s best that you keep using your Citi card from time to time to keep your ThankYou Rewards account active.

While there are different ways to redeem Citi ThankYou Points, they’re typically worth the most when transferred to an airline partner. Bear in mind that there is no official Citi ThankYou redemption chart that you may turn to when it comes to calculating their worth based on different redemption methods.

One noticeable drawback of the ThankYou Rewards program is that it does not allow you to earn points through partner merchants.

MoneyGeek experts have taken a close look at how the value of Citi ThankYou points changes based on different redemption methods. They have also conducted in-depth market research to determine the worth of your points.

Everyone's preferences and spending habits are different. Learning the answers to other commonly asked questions about how much Citi ThankYou Points are worth based on various factors might help you decide how best to use them and, ultimately, if this rewards program is right for you.