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Should You Transfer Citi Points to Hilton with a 33% Bonus?

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Update: Some offers mentioned below are no longer available. View the current offers here – Citi ThankYou Premier Card

The short answer? NO. Some transferable-points programs offer great hotel transfer rates all the time — with other programs, opportunities come and go. Citi falls into that latter camp with its one and only hotel transfer partner, Hilton HHonors.

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You can transfer points at a 1:2 ratio.

Normally, Citi ThankYou Points, the currency of Citi’s non-co-brand cards, including Citi Prestige and the Citi ThankYou Premier Card, transfer to Hilton at a 1:1.5 ratio. So 1,000 Citi points become 1,500 Hilton points. Through January 6, 2016, however, Citi’s running a promotion, giving you two HHonors points for every one ThankYou point you transfer.

50,000 Citi points becomes 100,000 HHonors points.
50,000 Citi points becomes 100,000 HHonors points.

Should You Transfer?

TPG values Hilton HHonors points at just 0.5 cents each. Citi points, by comparison, are worth 1.6 cents. Under the normal transfer ratio, you’d get 0.75 cents in value for every 1.6-cent ThankYou point you transfer. With this bonus, however, your 1.6-cent points are worth 1 cent after the transfer. Sounds pretty bad, huh? Well, it is.

Instead of transferring your points to Hilton (and losing significant value in the process), consider using your points to book travel on American Airlines. If you have the Citi Prestige card, your points are worth 1.6 cents each toward AA flights booked through the ThankYou Travel Center.

You’ll also get great value when transferring to some of Citi’s airline partners, including Singapore Airlines, which charges just 57,375 miles for an A380 Suites flight from New York to Europe. You’ll also get a better return from Citi’s latest partner, Virgin America, which is offering a transfer bonus of its own through October 21.

Citi Prestige® Card

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  • $250 Air Travel Credit each year, and receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre √®
  • 4th night hotel benefit for any hotel stay at hotels booked through the Citi Prestige® Concierge.
  • Earn 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open.
  • Points are redeemable for a $532 flight on any airline or $400 in gift cards.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A 15.49%* (Variable) $450 0% Excellent Credit