Getting the Most Out of Your Citi ThankYou Points

Are you using your Citi ThankYou points in the best possible way? Citi is constantly altering and changing the way we use our points, and almost always for the better. The competition that they face from other companies is huge and because of that, they work extremely hard to keep their clients happy. That’s where hacking Citi ThankYou points comes into play. What can you do to take an already good program and make it a great one? Here are some tips

Book Travel

One way to use your ThankYou points is to go through the Citi Travel Center. You will be able to redeem your points for a certain amount, depending on what kind of card you have. For example, a Citi ThankYou Premier card can get you 1.25 cents per point while a Citi ThankYou Prestige can get you between 1.33 and 1.6 cents per point, depending on the airline. Most cards will give you 1 cent per point, but it is still a great way to save up for travel.


Many retailers have partnered with Citi to allow you to spend your ThankYou points. You may want to do some investigating to see if it is really worth it, but sometimes you can get great deals.

Points for Cash

Low on cash? Sometimes the most valuable way to redeem your Citi ThankYou points is for money. However, the value can be pretty low, especially when you compare it to some of the other options like travel. But if cash is what you need, then it is a great investment to make. With Citi, you can look forward to getting back 0.5 cent per point.

Gift Cards

Have a place you shop frequently or somewhere you want to go? You can sometimes find gift cards that are a better deal than if you just exchange for cash.

Paying Bills

One of the best, but sometimes underused perks offered by the ThankYou program is the ability to pay off your bills through an eligible Citi checking account. While the points and the cents are typically equal in value, it is a way to seamlessly pay off some of your bill, especially for those months that get a bit tight.

How will you use your Citi ThankYou points? There are many different ways, but if you want to get the most out of them, consider using a few of the hacks above that will help you.