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

Oct 12, 2015

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

Bank of America® Premium Rewards® Visa® credit card

This card from Bank of America gets really interesting if you have a BofA checking, savings or investment account. Depending on the value of your combined accounts you can potentially get as much as 3.5x points on travel/dining and 2.625x points on other purchases making it the richest consumer banking bonus out there.

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More Things to Know
  • Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Intro APR on Purchases
N/A
Regular APR
17.74% - 24.74% Variable APR on purchases and balance transfers
Annual Fee
$95
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Recommended Credit
Excellent/Good

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.