Citi Product Change Rules Explained: How (and Why) to Downgrade, Upgrade, or Switch Cards

Citi used to offer unmatched flexibility in credit card product changes, including the ability to switch between different card families. But recent rule changes have narrowed those options. That doesn’t mean product changes are off the table. Whether you’re looking to downgrade, upgrade, or sidestep an annual fee, we’ll walk you through what’s still possible with Citi and how to make the most of your options.

Get 1.73 Cents Per Citi ThankYou® Point by Transferring to Accor Live Limitless With a 50% Bonus

Now through July 19, 2025, Citi cardholders can transfer ThankYou® Points to Accor Live Limitless with a 50% bonus — turning 1,000 Citi points into 750 Accor points. While Accor usually isn’t the best use of Citi points, this bonus helps close the value gap. If you’re eyeing an Accor stay, especially in Europe, this can be a solid way to save on your booking.

Citi-Flying Blue 20% Transfer Bonus: Fly Biz to Europe for 50k Points or Economy From 16k

Now through July 19, 2025, Citi cardholders can convert ThankYou® points to Flying Blue miles and receive a 20% transfer bonus. This opens the door to several lucrative redemption opportunities, including business class flights from the U.S. to Europe for just 50k ThankYou® points each way or economy flights to Europe from 16k points one-way. If you know how to utilize Flying Blue miles, this transfer bonus is an awesome opportunity.

Stack LifeMiles Promotions to Save on Awards (Biz Class to Europe for 18k Points + $365)

LifeMiles is hosting two incredibly lucrative promotions at the same time. First, you can convert Amex Membership Rewards points to LifeMiles and receive a 15% bonus. Second, you can receive another 125% bonus when transferring LifeMiles to another account. Stack these promotions to book business class awards to Europe by starting with just 18k Amex points.