Do Citi ThankYou Points Expire?

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Citi uses a complex expiration policy depending on what kind of card you hold. As a general rule for holders of most cards, your Citi ThankYou points do not expire as long as your account stays open and is not downgraded to a non-ThankYou points-earning card.

If you close or downgrade your account — or if Citi closes your account due to inactivity — then you have 60 days to use your points. After 60 days, your Citi ThankYou points will expire.

CIti ThankYou points

Cards The Policy Applies to

Citi ThankYou cards that are subject to this expiration policy includes the following Citi cards:

What to do when your Citi account is closed or downgraded

If you close your account — or it's closed by Citi — your options are somewhat limited. You have 60 days to use your points. You can transfer points to another Citi account, but those points will still expire in 60 days.

Instead, you'll want to redeem your ThankYou points for any of the following:

  • Transfer your points to one of Citi's ThankYou travel partners.
  • Redeem your points for flights, hotels, and more directly through the Citi Travel portal.
  • You can pay some of your bills online using Citi ThankYou points.
  • Use your points as a statement credit towards recent purchases on a wide range of goods and services — including utility bills, grocery entertainment, and more.
  • Purchase gift cards

While there are multiple options available, by far, the best is transferring them to a travel partner. Doing so will give you the best chance to leverage your points for their maximum value. You can check out our comprehensive guide to Citi ThankYou transfer partners to find out how to best leverage your points.

Citi Premier® Card
Citi Premier® Card
Annual Fee$95
Welcome Offer Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
The Citi Premier card offers some of the top earning rates of any rewards card with an annual fee under $100. This card is best-in-class for rewards on air travel and hotel spending, and it tops our list of the best cards for gas & fuel purchases with a generous 3X ThankYou® Points.
  • 80,000 point signup bonus worth $800 towards airfare through the ThankYou Travel Center, or potentially much more when transferred to airline partners
  • 3X points per $1 on airfare and hotels and at gas stations, restaurants, and supermarkets
  • Annual Hotel Benefit: Save $100 off a single hotel stay of $500 or more (excluding taxes and fees) when you book through ThankYou.com
  • No foreign transaction fees
  • $95 annual fee
  • 3X points per $1 spent on airfare, hotels, and at gas stations
  • 3X points per $1 spent on dining at restaurants, including cafes, bars and lounges
  • 3X points per $1 spent at supermarkets
  • 1X points per $1 spent on all other purchases

Out Take

The Citi ThankYou program is one of the top programs in the US. The program is comprehensive and easy to use, with few pitfalls in the small print. So, it's easy for consumers to use the program and maximize the value of their points.

The value of the program is boosted by the sheer number of cards on offer that earn Citi ThankYou points — including the $0 annual-fee Citi Rewards+ card. With so many options, there is a strategy for everyone to use ThankYou points.

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Comments

  • I have 200K TYpoints at Citi prestige account, and I’d like to cancel the card. Where can I transfer them to avoid to expiration?

  • fernanda andrade says:

    This is always useful information. There is no point in accumulating points if they will expire unused. Glad they give 60 days to use the points.

  • I have had very good experiences with this program after trying others. you should try it

  • I wonder whether other cards offer similar “grace periods” for redemptions after account closure.

  • Wow, I don’t know why, but I always thought that Citi points were attached to your overall account, and not to each credit product.

  • Bhikhu Shah says:

    Citi round up is a great offer for small transactions.

  • That’s pretty fair. As long as they give you a warning about the downgrade expiration im okay with it!