Overview

• Citi ThankYou cardmembers can send points at no fee to 19 loyalty programs, covering 15 airlines and four hotel chains.
• Transfers to most partners post instantly, though a handful require between 12 hours and two days to complete.
• Card selection affects transfer ratios, with Citi Strata Elite and Premier cards typically providing 1:1 value and no-fee cards offering lower ratios for select partners.
• Members may combine balances across accounts for free and share up to 100,000 points per calendar year, but shared points expire 90 days after receipt and cannot be re-shared.
• Points in closed accounts expire after 60 days and can be redeemed as statement credit at one cent per point, underscoring the superior value of partner transfers.