This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.

Our newbie question of the week comes from TPG reader Justin, who sent a message on Facebook to ask about the Citi ThankYou Rewards program:

“Is there a way to use ThankYou points to book flights on any of the US airlines, like United, American, Delta and others?”

One of the greatest benefits of transferable points programs is flexibility. You’ll usually get the best value by transferring your rewards to airline and hotel partners, but you can also redeem directly for flights and more via the travel portals run by the major card issuers. That can come in handy when transferring isn’t an option, when rates are low (so you’re not getting a good return on normal award redemptions) or when transfer times are too long. Overall, the option to redeem directly is one of the reasons transferable points rate so highly in my monthly valuations.

The Citi ThankYou Travel Center lets you redeem points for flights on major airlines (including the US legacy carriers) at a base rate of 1 cent apiece, though higher redemption rates are available to certain cardholders. For example, the Citi Premier Card gives you a 25% bonus, so you can redeem points for 1.25 cents apiece. The Citi Prestige Card does even better, offering a standard redemption rate of 1.33 cents apiece, or 1.6 cents apiece for flights on American Airlines. That last option is one of the best ways to redeem ThankYou points

You can redeem ThankYou Points (and other flexible rewards) for flights on a wide variety of carriers when you redeem directly.

One great feature of direct redemptions is that flights booked through these portals count as revenue fares, so they’re generally eligible to earn miles and elite credits. That gives you a better return on each point you spend, which can help compensate for any value you might be sacrificing otherwise.

Keep in mind that these travel portals don’t always have the best prices, so it’s worth shopping around. For a better sense of how each one performs, check out Richard Kerr’s posts on pricing through the Citi ThankYou Travel Center, the Chase Ultimate Rewards Travel Portal and American Express Membership Rewards Travel.

For more info about ThankYou Rewards and other programs, check out these posts:

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

The Platinum Card® from American Express

The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at SPG, Marriott, and Hilton. Combined with the 60,000 point welcome offer -- worth $1,140 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the $550 annual fee makes sense for you.

Apply Now
More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
Regular APR
Annual Fee
Balance Transfer Fee
See Terms
Recommended Credit
Terms and restrictions apply. See rates & fees.

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.