The complete guide to Citi ThankYou Rewards: How to earn, redeem and transfer points
Editor's Note
While Citi offers many cards, only some provide access to the company's valuable ThankYou Rewards program. Moreover, only cardmembers with select cards can access all the Citi ThankYou Rewards transfer partners and transfer to these partners at the best rates.
Whether you're applying for your first credit card or are a seasoned pro looking for a new travel rewards card, one or more cards in Citi's portfolio might be right for you. In this guide, we'll examine the program in more detail, including how to earn and redeem Citi ThankYou Rewards points.
Best Citi ThankYou Rewards cards
- Citi Strata Elite℠ Card (see rates and fees): Best for Citi Travel users and American Airlines flyers
- Citi Strata Premier® Card (see rates and fees): Best for earning full-fledged ThankYou Rewards points with a low annual fee
- Citi Strata℠ Card (see rates and fees): Best for earning points with no annual fee
- Citi Double Cash® Card (see rates and fees): Best for everyday spending
- Citi Prestige® Card: Best for restaurants, airlines and travel agencies
- Citi Custom Cash® Card: Best for bonus earnings in different categories each billing cycle
The information for the Citi Prestige and the Citi Custom Cash has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
How to earn Citi ThankYou Rewards points
The only way to earn Citi ThankYou Rewards points is to get and use a Citi ThankYou Rewards card for purchases. Here's a look at how to earn points with some of the best Citi ThankYou Rewards cards:
| Card | Sign-up offer | Earning rates | Annual fee |
|---|---|---|---|
Earn 75,000 bonus points after spending $6,000 on purchases within the first three months from account opening. |
| $595 | |
Earn 60,000 bonus points after spending $4,000 on purchases in the first three months of account opening. |
| $95 | |
Earn 20,000 bonus points after spending $1,000 on purchases within the first three months from account opening. |
| $0 | |
Earn $200 in cash back after spending $1,500 on purchases in the first six months of account opening. Note that this bonus will be fulfilled as 20,000 ThankYou Rewards points, which can be redeemed for $200 cash back. |
| $0 | |
Citi Prestige Card | This card is not available to new applicants. |
| $495 |
Citi Custom Cash Card* | Earn $200 in cash back after spending $1,500 on purchases in the first six months of account opening. Note that this bonus will be fulfilled as 20,000 ThankYou Rewards points, which can be redeemed for $200 cash back. |
| $0 |
*Note that Double Cash and Custom Cash cardholders will earn cash back in the form of ThankYou Rewards points.
If you want to add a new Citi ThankYou Rewards card to your wallet, read the fine print for the sign-up offer and check our page on credit card application rules to ensure you're eligible for the bonus before clicking the "Apply" button.
Related: The best time to apply for these popular Citi credit cards, based on offer history
How to redeem Citi ThankYou Rewards points
All the Citi ThankYou Rewards cards let you redeem ThankYou Rewards points for statement credits, cash rewards, third-party gift cards and travel booked through the Citi Travel portal at a flat rate of 1 cent per point. Sometimes, you'll even find gift cards on sale that could give you a slightly higher redemption rate. Be careful, though, as some redemption options (such as Shop With Points) provide less than 1 cent per point in value.
You may get significantly more value when you redeem your ThankYou Rewards points by transferring them to airline or hotel partners. However, only travelers with the Citi Strata Elite Card, the Citi Strata Premier Card or the Citi Prestige Card can transfer Citi ThankYou Rewards points to American Airlines AAdvantage. And, for the other Citi ThankYou Rewards transfer partners, travelers with select cards (including the Citi Strata Elite and the Citi Strata Premier) unlock higher transfer ratios.
Here's a look at the Citi ThankYou Rewards travel partners and transfer ratios based on card type.
| Program | Transfer ratio for Citi Strata Elite, Citi Strata Premier, Citi Prestige and AT&T Access More cardmembers | Transfer ratio for other Citi ThankYou Rewards cardmembers |
|---|---|---|
Aeromexico Rewards | 1,000:1,000 | 1,000:700 |
Accor Live Limitless | 1,000:500 | 1,000:350 |
Air France-KLM Flying Blue | 1,000:1,000 | 1,000:700 |
American Airlines AAdvantage | 1,000:1,000 (not available for AT&T Access More cardmembers) | Not available |
Avianca LifeMiles | 1,000:1,000 | 1,000:700 |
Cathay Pacific Cathay | 1,000:1,000 | 1,000:700 |
Choice Privileges | 1,000:2,000 | 1,000:1,400 |
Emirates Skywards | 1,000:800 | 1,000:560 |
Etihad Guest | 1,000:1,000 | 1,000:700 |
EVA Air Infinity MileageLands | 1,000:1,000 | 1,000:700 |
I Prefer Hotel Rewards | 1,000:4,000 | 1,000:2,800 |
JetBlue TrueBlue | 1,000:1,000 | 1,000:700 |
Leaders Club (Leading Hotels of the World) | 1,000:200 | 1,000:140 |
Miles&Smiles (Turkish Airlines) | 1,000:1,000 | 1,000:700 |
Qantas Frequent Flyer | 1,000:1,000 | 1,000:700 |
Qatar Airways Privilege Club | 1,000:1,000 | 1,000:700 |
Singapore KrisFlyer | 1,000:1,000 | 1,000:700 |
Thai Royal Orchid Plus | 1,000:1,000 | 1,000:700 |
Virgin Atlantic Flying Club/Virgin Red | 1,000:1,000 | 1,000:700 |
Wyndham Rewards | 1,000:1,000 | 1,000:700 |
The information for the AT&T Access More card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
You can combine all your ThankYou Rewards points into one account, either on the ThankYou Rewards website or via a phone call to ThankYou Rewards. Suppose you combine your points into your Citi Strata Elite Card, Citi Strata Premier Card or Citi Prestige Card account. In that case, you can transfer your rewards to all the Citi ThankYou Rewards travel partners at the best transfer ratios.
With so many transfer partners, your options are plentiful when redeeming Citi ThankYou Rewards points. Here are some redemptions to consider:
- Transfer to Singapore KrisFlyer and snag a Spontaneous Escapes deal.
- Transfer to Choice Privileges and redeem as few as 6,000 Choice points per night for a hotel stay.
- Use Avianca LifeMiles to book United Airlines-operated awards.
- Use Virgin Atlantic Flying Club to fly on Delta Air Lines-operated flights.
- Transfer to Wyndham Rewards and redeem as few as 7,500 Wyndham points per night (or even less if you have select Wyndham credit cards).
- Transfer to Air France-KLM Flying Blue to book a Flying Blue Promo Rewards flight.
- Transfer to American Airlines AAdvantage to book any of the numerous AAdvantage sweet spots.
Related: Redeem your points and miles: How to search flight award availability for the major airlines
Bottom line
Having a premium Citi ThankYou Rewards card like the Citi Strata Elite Card, the Citi Strata Premier Card or the Citi Prestige Card is more important than ever if you want to maximize the Citi ThankYou Rewards program. These cards unlock transfers to all the Citi ThankYou Rewards partners at the best rate, which can provide many high-value award booking options.
The Citi Strata Elite Card currently has a welcome offer of 75,000 bonus points after spending $6,000 on purchases in the first three months from account opening, while the Citi Strata Premier Card has a welcome offer of 60,000 bonus points after spending $4,000 on purchases in the first three months of account opening. So, now is a good time to add either of these cards to your wallet.
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees