Do Citi ThankYou points expire?

Question

Citi ThankYou points are worth up to 1.25 cents each, depending on which card you have and how you redeem. But a Citi ThankYou point’s value can also be as low as 0.5 cent.

Citi ThankYou points are worth most when earned with either the Citi Premier Card or Citi Prestige® Card and redeemed for travel through Citi. Travel is the most valuable redemption method for people with other Citi points credit cards, too, but you’ll only get 1 cent per point with them.… read full answer

A Citi ThankYou point’s value is lowest when redeemed for cash back. So if that’s what you’re after, you may want to consider getting a cash rewards credit card. Citi has a great one, if you’re interested: Citi® Double Cash Card – 18 month BT offer.

Below, we’ll give you a complete breakdown of the various ways in which Citi ThankYou points are valued.

Citi ThankYou Points Value by Card & Redemption Method:

	Citi ThankYou® Preferred Card Point Value	Citi Premier Point Value	Citi ThankYou Prestige Point Value
Travel	1 cent	1.25 cents	1.25 cents
Merchandise	0.8 cent	0.8 cent	0.8 cent
Cash Back	0.5 cent	0.5 cent	0.5 cent
Gift Cards	1 cent	1 cent	1 cent
Select & Credit	0.75 cent	0.75 cent	0.75 cent
Shop with Points	0.8 cent	0.8 cent	0.8 cent
Online Bill Pay	0.65 cent	0.65 cent	0.65 cent
Loan Payment	1 cent	1 cent	1 cent
Transfer to Travel Partner	1:1 ratio	1:1 ratio	1:1 ratio
Charity Donation	1 cent	1 cent	1 cent

To be clear, the Citi ThankYou Preferred group actually covers five cards: Citi ThankYou Preferred, Citi ThankYou Preferred for Students, the AT&T Credit Card and two Expedia credit cards.

The Select & Credit feature may also need some explaining. This enables you to redeem ThankYou points to pay for specific purchases that appear on your statement. Purchases in the following categories qualify: dining, grocery, clothing and department stores, gas, utilities, entertainment, and drugstores. You cannot redeem for partial purchases using Select & Credit.

Many of the redemption methods require you to have a minimum number of Citi ThankYou points. You need at least 2,500 points to redeem for a gift card, loan payment or charity donation. You also need 2,000 points for a statement credit and 10,000 for a paper check.

If you have multiple accounts earning ThankYou Points, you can pool your points for easier spending. Select “Add a Sponsor Account” when you log in to your Citi account online. Points can even be transferred to someone else’s account but will expire after 90 days if not used.

For the most part, ThankYou points do not expire for the life of the account. Your points can be temporarily suspended if you make a late payment, but you can redeem them when you bring the account back to current status.

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Answer 1 · 2020-10-14 03:34:25

John S Kiernan, Managing Editor

@John • 10/14/20 This answer was first published on 09/10/18 and it was last updated on 10/14/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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It depends on which Citi credit card you have. With some Citicards, such as Citi Premier Card, your points will never expire as long as your account is open. Others such as Citi Prestige® Card, will revoke unredeemed points if you don’t have any purchase activity for 18 months.

For a detailed list, see “Points Expiration, Suspension and Forfeiture,” here.

Answer 2 · 2018-09-25 09:50:32

jesus_poarch, Member

@jesus_poarch • 09/25/18 This answer was first published on 09/25/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Citi ThankYou points do not expire as long as your account remains open and in good standing. Shared points, which are ThankYou points transferred to another person’s ThankYou account, expire 90 days from the date they’re transferred. If you close your account, ThankYou points will expire 60 days after you do so.

If you have ThankYou points that are about to expire, points with the earliest expiration date will automatically be deducted from your ThankYou account when you redeem. To find out if you have points close to expiring, log onto ThankYou.com and under “My Account, click “My Points Summary.” You can also call the ThankYou Service Center at 1-800-THANKYOU (1 (800) 842-6596).

ThankYou Rewards is Citi’s loyalty program. You must be approved for a Citi Thank You card such as the ThankYou Preferred or Premier card in order to begin earning points. The Citi Prestige is currently not accepting new applicants, but current cardholders can still earn and redeem ThankYou points.

ThankYou cards earn 2 -3 points per $1 spent at gas stations and 2 points on dining purchases. Citi Prestige cardholders can still earn 3 points per $1 spent on airlines and hotels, including travel agencies. ThankYou cards earn 1 point on all other purchases.

To manage your rewards points, you will need to go through ThankYou.com. Points can be redeemed at 1 cent each for gift cards, merchandise or statement credits. You can also redeem points for purchases through Amazon.com when you link your ThankYou card as a payment method. Points are worth 1 cent each when redeemed.

Points are worth more when redeemed through the Citi Travel Center. With the Prestige card, points are worth 33% (.013 cents per point) more when booking flights, and ThankYou Premier points are worth 25% (.0125 cents per point) when redeemed for flights, hotels and rental cars.

To get the biggest bang for your points, you can transfer ThankYou points to one of Citi’s travel partners. Points transfer at a 1:1 ratio and can be redeemed at 2 cents per point through airlines such as JetBlue Airways or Virgin Atlantic.

Do Citi ThankYou points expire?

John S Kiernan, Managing Editor

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jesus_poarch, Member

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