There are numerous ways to cash in your hard-earned Citi ThankYou® Points. From discounted gift cards to charitable donations, cashback to hotel stays, there’s a lot to explore on ThankYou.com (Citi’s official rewards marketplace).
One of the more intriguing redemption options is to transfer points to another rewards program. If you have the right credit card(s), Citi will let you convert your ThankYou® Points into Air France-KLM miles, Wyndham Rewards points, and more.
In some cases, a well-timed transfer could help you get 1.2, 1.5, or even 2 cents per point in value out of your ThankYou® Points — meaning you could save hundreds on your next flight or hotel.
Which Citi Cards Can Transfer Points?
As of July 2025, there are four Citi credit cards that allow you to transfer points to all ThankYou® partners at full value:
- Citi Strata Elite℠ Card
- Citi Strata Premier® Card
- Citi Prestige Card (discontinued)
- AT&T Access More Card (discontinued)
Since the latter two were discontinued in 2021 and 2018, respectively, that leaves the Strata Elite and Strata Premier as the only Citi cards you can still get that grant access to the full suite of transfer partners.
The following Citi cards allow you to transfer points to all partners except for American Airlines, but it's usually at a lower ratio:
- Citi Strata℠ Card
- Citi Double Cash® Card
- Citi Custom Cash® Card
- AT&T Points Plus℠ Card from Citi
- Citi ThankYou® Mastercard® (discontinued)
- AT&T Universal Savings and Rewards (discontinued)
- AT&T Universal Rewards (discontinued)
- AT&T Access Card Cardmembers (discontinued)
Citi Strata Elite℠ Card
Rewards Rate
- 12x points on hotels, car rentals, and attractions booked on cititravel.com
- 6x points on air travel booked on cititravel.com
- 6x points at restaurants on Citi Nights℠ purchases, Friday and Saturday from 6pm-6am ET
- 3x points at restaurants any other time
- 1.5x points on all other purchases
Welcome Offer
Earn 100,000 bonus points after spending $6,000 in the first 3 months.
Annual Fee
$595
Citi Strata Premier® Card
Rewards Rate
- 10x points on hotel, car rentals, and attractions booked through CitiTravel.com
- 3x points on air travel and other hotel purchases, restaurants, supermarkets, gas stations and EV charging stations
- 1x points on all other purchases
Welcome Offer
Earn 60,000 bonus points after spending $4,000 in the first 3 months.
Annual Fee
$95
Citi ThankYou® Transfer Partners
Here’s a list of all 21 transfer partners and their transfer ratios, based on which Citi credit card you use to transfer points.
Note that these are all the base values — partners will sometimes offer boosted redemption rates. For example, at the time of writing, Flying Blue is offering a promotion of 1,200 points versus the usual 1,000.
| ThankYou® Partner | Citi Strata Premier® & Citi Strata Elite℠ | All other cards |
|---|---|---|
| Aeromexico Rewards | 1,000 Points = 1,000 Aeromexico Rewards Points | 1,000 Points = 700 Aeromexico Rewards Points |
| ALL – Accor Live Limitless | 1,000 Points = 500 ALL Reward points | 1,000 Points = 350 ALL Reward points |
| American Airlines AAdvantage® Program | 1,000 Points = 1,000 AAdvantage® Bonus Miles | 1,000 Points = 700 AAdvantage® Bonus Miles |
| Avianca LifeMiles | 1,000 Points = 1000 LifeMiles | 1,000 Points = 700 LifeMiles |
| Cathay Pacific | 1,000 Points = 1,000 Asia Miles | 1,000 Points = 700 Asia Miles |
| Choice Privileges | 1,000 Points = 2,000 Choice Privilege points | 1,000 Points = 1,400 Choice Privileges® points |
| Emirates Skywards | 1,000 Points = 800 Skywards Miles | 1,000 Points = 560 Skywards Miles |
| Etihad Guest | 1,000 Points = 1,000 Guest Miles | 1,000 Points = 700 |
| EVA Air | 1,000 Points = 1,000 Infinity MileageLands Miles | 1,000 Points = 700 Infinity MileageLands Miles |
| Air France-KLM Flying Blue | 1,000 Points = 1,000 Flying Blue Miles | 1,000 Points = 700 Flying Blue Miles |
| JetBlue TrueBlue | 1,000 Points = 1,000 TrueBlue points | 1,000 Points = 700 TrueBlue points |
| Leaders Club | 1,000 Points = 200 Leaders Club Points | 1,000 Points = 140 Leaders Club Points |
| Preferred Hotels and Resorts | 1,000 Points = 4,000 I Prefer Points | 1,000 Points = 2,800 I Prefer Points |
| Qatar Airways Privilege Club | 1,000 Points = 1,000 Avios | 1,000 Points = 700 Avios |
| Singapore Airlines | 1,000 Points = 1,000 KrisFlyer Miles | 1,000 Points = 700 KrisFlyer Miles |
| Thai Royal Orchid Plus | 1,000 Points = 1,000 Royal Orchid Plus Miles | 1,000 Points = 700 Royal Orchid Plus Miles |
| Turkish Airlines Miles&Smiles | 1,000 Points = 1,000 Miles&Smiles Miles | 1,000 Points = 700 Miles&Smiles Miles |
| Virgin Atlantic Flying Club | 1,000 Points = 1,000 Virgin Points | 1,000 Points = 700 Virgin Points |
| Wyndham Rewards | 1,000 Points = 1,000 Wyndham Rewards points | 1,000 Points = 700 Wyndham Rewards points |
How To Transfer Citi ThankYou® Points
Citi makes it pretty easy to transfer points to travel partners.
Here’s a quick summary of the key steps, with a few additional details below:
- Head to ThankYou.com and sign in using your Citi login credentials
- Go to Travel > Points Transfer and choose a transfer partner and transfer amount
- Enter your travel partner member number and submit
- Wait up to 14 days (though most are pretty instant)
1. Head to ThankYou.com
Your first step will be to head to ThankYou.com, Citi’s dedicated online marketplace for spending your points.
Boy, I can’t imagine what they paid for that URL.
ThankYou.com is pretty intuitive. If you’ve never been before, you just sign in (or, as Citi calls it, “Sign On”) using your regular Citi online banking credentials
You’re then taken to the main ThankYou dashboard, where you can see all of your redemption categories in the white banner and some recommendations below.
2. Choose a transfer partner and amount
To transfer points, we’ll head to Travel > Points Transfer.
This will bring you to the main Points Transfer dashboard, where you can see all of the current partners available to you, their transfer ratios, and any temporary promos for bonus points:
Citi does a solid job of showing you exactly how many partner points you’ll generate based on the current transfer ratio. It’ll also show you the minimum transfer amount, which is 1,000 ThankYou® Points for most partners.
3. Enter your travel partner member number
Once you’ve chosen an amount, you’ll enter your membership number for the partner you’re trying to transfer points to. You can usually grab this from your account dashboard on the partner side.
To illustrate, here’s where you can find your JetBlue number from the Air France-KLM dashboard:
Once you plug in your membership number one time, you can check the box right below it to have Citi save it to your account.
Once you click “Continue” and “Submit,” you’re done! Your transfer is submitted.
Keep in mind that transfers are always one-way and can’t be undone, so it’s best to make sure you’re sure.
How long do Citi ThankYou® Point transfers take?
Citi claims that transfers can take anywhere from 24 hours to 14 days. When I transferred points to Turkish Air Miles&Smiles about a year back, it was basically instantaneous.
Your mileage may vary (pun intended), so it’s probably best to transfer sooner rather than later if you plan to use the points to book a flight ASAP.
When Should You Transfer Citi Points?
Broadly speaking, it’s worth transferring any type of credit card rewards to a travel partner if:
- The points are worth more after the transfer; and
- You already have something in mind to spend them on once transferred; and
- You don’t mind losing the option to redeem them for cash.
All three factors are pretty important because transfers are usually one-way, and once they’re in your travel account, they can’t be converted into cash.
Plus, many travel rewards points (e.g., SkyMiles, IHG One Rewards Points) have been slowly depreciating since the pandemic, whereas credit card points tend to hold their value.
Points transfer example
Here’s an example of a well-timed transfer to give you some idea:
Let’s say Anshu just scored a 60,000-point sign-up bonus on her Strata Premier, and now it’s time to book a flight to Paris to see her mom.
The first thing she does is check Kayak.com to see if any of Citi’s transfer partners have a good flight option from New York to London. She discovers that Air France-KLM has one for $600. Perfect.
From here, Anshu has a few options:
- Book through CitiTravel.com using her Strata Premier card and earn 10x points
- Book through CitiTravel.com using her 60,000 ThankYou® Points
- Transfer points to Air France-KLM, and then book directly
But how many Flying Blue Miles will it take to book direct?
To find out, Anshu heads to Air France-KLM’s website, locates her flight, and discovers it’ll only cost her 46,000 Miles to book direct. That’s a steal!
So she heads back to ThankYou.com, transfers the 46,000 points to her Air France-KLM account, and books the trip – saving 14,000 points or $140 in the process.
Now, you might be thinking that a well-timed transfer takes a lot of work. It does. But once you get good at it, checking all that stuff and timing a perfect transfer can take less than 10 minutes. Not bad for a $140 payout!
FAQs
When is it worth transferring Citi points?
It might be worth transferring Citi ThankYou® Points to a travel partner if it increases the value of your points, you already have something in mind to spend them on, and you don’t mind losing the option to redeem them for cash.
Can you combine Citi ThankYou® Points?
Yes. If you have multiple Citi credit card accounts that generate ThankYou® Points, you can combine your accounts by visiting ThankYou.com > Profile > My Citi Accounts > Manage My Account > Combine My Accounts.
Do Citi ThankYou® Points expire?
Unless otherwise specified in your ThankYou.com dashboard, Citi ThankYou® Points typically expire three years from the end of the year in which you earned them.
Is there a limit to how many Citi points I can transfer?
Yes. The total number of Citi ThankYou® Points you can send (or receive) in a calendar year is 100,000.
TL;DR: Transferring Citi ThankYou® Points
Transferring your Citi ThankYou® Points to one of Citi’s travel partners is an excellent way to stretch your point values past 1 cent each.
Unfortunately, Citi only allows one card (the Citi Strata Premier) to transfer points to all 20 partners, but at least it’s an excellent card.
Transferring points is easy — it’s the timing that can be tricky. But if you find a flight or hotel that’s way cheaper in points than it is in cash, a well-timed transfer can save you hundreds.
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