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TPG reader Andy wrote in to ask about transferring Citi ThankYou Rewards:

“Can I transfer ThankYou points earned with my Citi Forward card to partner airlines?”

When it comes to cards with no annual fee, the Citi Forward card is one of the best. Unfortunately, you can no longer apply for it, but those who already have it earn five points per dollar spent on dining and entertainment (including movies, music, and books). These categories were chosen by Citi to target college students, but they’re pretty handy for just about anyone.

As long as you have at least one Citi card that lets you transfer to partners (like the Citi ThankYou Premier Card and the Citi Prestige), then all of your ThankYou points will be transferable, including those that you earned on the Citi Forward or another card. Note that you can’t actually transfer your Forward points into those accounts, because points earned on Citi Forward have a three-year expiration. However, when you go to use those points, the transfer option will appear.

If you have the Citi Prestige, you can even redeem ThankYou points earned from Citi Forward at the enhanced rate of 1.6 cents apiece on US Airways and American Airlines. That’s much better than the typical gift card value of about 1 cent per point.

ThankYou Points transfer to 11 airline partners, including Qantas.

Chase allows you to do something similar; if you have points from the Chase Freedom card, you can actually transfer them to your Ultimate Rewards account from the Ink Plus Business Card or Chase Sapphire Preferred Card account, and then transfer to airline and hotel partners from there.

American Express is a little bit different. With most Membership Rewards points, you have one account, and points earned with all of your cards go into one account. If you’re seeing multiple Membership Rewards accounts when you check online, you can simply request that Amex merge them into one central account.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at

The best beginner points and miles card out there.
Chase Sapphire Preferred® Card

The Points Guy Assessment:

The Chase Sapphire Preferred is a great pick for the beginner and the frequent traveler. The CSP has superb travel benefits, double points on certain purchases, and a 50,000 point sign up bonus. The $95 annual fee is waived the first year so this puts it as one of the less expensive cards, while still allowing you to earn one of the most valuable point currencies.

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More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
Regular APR
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.