Citi provides many various rewards credit cards. Nonetheless, just some Citi credit cards present entry to the corporate’s useful ThankYou Rewards program, and you may want to carry a premium Citi ThankYou card to realize full entry to the Citi ThankYou transfer partners.
Whether or not you are making use of on your first credit card or are a seasoned professional in search of a brand new travel rewards card, a number of playing cards in Citi’s portfolio could be best for you.
Let’s take a better 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 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 supplied by the cardboard issuer.
Evaluating the very best Citi ThankYou Rewards playing cards
| Card | Signal-up bonus | Incomes charges | Annual price | Standout advantages |
|---|---|---|---|---|
| Citi Prestige® 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 rates and fees) |
|
| 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 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 (supplied as 20,000 bonus factors) after spending $1,500 on purchases within the first six months of account opening |
|
$0 (see rates and fees) |
|
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Incomes Citi ThankYou Rewards factors
As you may 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 based mostly on the potential worth you will get by transferring your Citi ThankYou factors to one of many program’s airline or resort 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 purposes) 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 will earn what we’ll name “fundamental” ThankYou factors. They’re price a flat one cent every when redeemed towards present playing cards and lots of different cash-like rewards accessible by means of Citi ThankYou.
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You may as well switch “fundamental” ThankYou factors to a few loyalty applications — Selection Privileges, JetBlue TrueBlue and Wyndham Rewards — however these transfers will happen at a decrease charge than for those who had a premium Citi ThankYou card.
Nonetheless, for those who additionally maintain the Citi Prestige 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 very best switch ratios.
If you wish to add a brand new Citi ThankYou card to your pockets, learn the tremendous 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
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 means of the Citi travel portal (now powered by Rocket Journey) and extra at a flat charge of 1 cent per level. Generally, you will even discover present playing cards on sale that might provide you with a barely greater redemption charge.
Watch out, although, as some redemption choices (equivalent to Store With Factors) present lower than 1 cent per level. Guarantee you’re getting no less than 1 cent per ThankYou level earlier than you redeem.
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Nonetheless, chances are you’ll get considerably extra worth whenever you redeem your ThankYou factors by transferring them to airline or resort companions. Try 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 may solely switch to Selection Privileges, JetBlue TrueBlue and Wyndham Rewards (and your switch ratio will not be as profitable, as famous under).
| Program | Ratio | Switch time |
|---|---|---|
| Aeromexico Membership Premier | 1:1 | Instantaneous |
| Accor Dwell 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 |
| Selection 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 Accommodations 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 points. Listed below are some Citi ThankYou sweet spots you may 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 foremost factors and miles currencies. Regardless of some negatives, Citi ThankYou factors stay useful, particularly for these trying 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 the very best charge, which might present many high-value award reserving choices.
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