{"id":207547,"date":"2025-04-25T22:00:40","date_gmt":"2025-04-25T22:00:40","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=207547\/"},"modified":"2026-04-08T14:13:27","modified_gmt":"2026-04-08T14:13:27","slug":"citi-reduces-transfer-ratios-select-cards","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/news\/citi-thankyou-rewards\/citi-reduces-transfer-ratios-select-cards\/","title":{"rendered":"Citi Set to Devalue Three ThankYou\u00ae Partner Transfer Ratios on Its No-Annual-Fee Cards"},"content":{"rendered":"<p><em><strong>Update: The changes mentioned below have now taken effect.<\/strong><\/em><\/p>\n<p>Multiple no-annual-fee Citi credit cards that offer limited access to <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">ThankYou<sup>\u00ae<\/sup> transfer partners<\/a>. With these cards, you can transfer rewards to just three travel partners or redeem them in other ways. But come <strong>July 27, 2025<\/strong>, those transfer ratios are set to devalue.<\/p>\n<p>Here\u2019s what you need to know, and why it makes sense to pair your no-annual-fee card with the Citi Strata Premier<sup>\u00ae<\/sup> Card (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) to get more out of your hard-earned points.<\/p>\n<h2><span id=\"Citi_to_Devalue_Three_Transfer_Ratios_on_No-Annual-Fee_Cards_in_July\">Citi to Devalue Three Transfer Ratios on No-Annual-Fee Cards in July<\/span><\/h2>\n<p>Plenty of no-annual-fee <a target=\"_blank\" href=\"\/credit-cards\/citi-credit-card-offer-history\/\" rel=\"noopener\">Citi credit cards<\/a> allow you to transfer points to a limited set of three travel partners: <a target=\"_blank\" href=\"\/airlines\/jetblue-trueblue\/\" rel=\"noopener\">JetBlue TrueBlue<\/a>, <a target=\"_blank\" href=\"\/hotels\/choice-privileges\/\" rel=\"noopener\">Choice Privileges<\/a>, and <a target=\"_blank\" href=\"\/hotels\/wyndham-rewards\/\" rel=\"noopener\">Wyndham Rewards<\/a>. The cards that offer this limited access include:<\/p>\n<ul>\n<li><a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a><\/li>\n<li><strong>Citi Rewards+<sup>\u00ae<\/sup> Card<\/strong> (which has since been converted to the <a data-ccid=\"241\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\">Citi Strata\u2120 Card<\/a>)<\/li>\n<li>Citi ThankYou<sup>\u00ae<\/sup> Preferred Card (no longer open to new applicants)<\/li>\n<li><strong>Citi ThankYou<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup> credit card<\/strong> (no longer open to new applicants)<\/li>\n<li><strong>And several AT&T cards:<\/strong> AT&T Universal Rewards World, AT&T Universal Savings and Rewards, AT&T Universal Rewards, AT&T Points Plus<sup>\u00ae<\/sup> Card, AT&T Access Card from Citi<\/li>\n<\/ul>\n<p>Unless you carry a <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/how-to-earn-citi-points\/\" rel=\"noopener\">Citi ThankYou Points-earning card<\/a> with an annual fee, like the <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<\/a> or <strong>Citi Prestige<sup>\u00ae<\/sup> Card<\/strong> (no longer open to new applicants), your current transfer ratios to these three partners are 1:0.8 for JetBlue, 1:1.5 for Choice, and 1:0.8 for Wyndham. But on <strong>July 27<\/strong>, those rates will incrementally drop to:<\/p>\n<ul>\n<li><strong>JetBlue:<\/strong> 1:0.7<\/li>\n<li><strong>Choice:<\/strong> 1:1.4<\/li>\n<li><strong>Wyndham:<\/strong> 1:0.7<\/li>\n<\/ul>\n<p>If you regularly transfer your points to these partners and don't want to add another Citi card to your wallet, it's worth initiating your last transfer before the devaluation takes effect. However, if you prefer to redeem your rewards for statement credits, direct deposits, or checks, these upcoming changes won't affect you.<\/p>\n<figure id=\"attachment_151210\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-151210 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Pavel-Danilyuk-Pexels-girl-with-credit-card-featured.png\" alt=\"a girl points at a credit card in her other hand\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Pavel-Danilyuk-Pexels-girl-with-credit-card-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Pavel-Danilyuk-Pexels-girl-with-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Pavel-Danilyuk-Pexels-girl-with-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Pavel-Danilyuk-Pexels-girl-with-credit-card-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Pavel Danilyuk\/Pexels<\/em><\/enter><\/figure>\n<h3><span id=\"Why_pair_your_no-annual-fee_Citi_card_with_the_Citi_Strata_Premier\">Why pair your no-annual-fee Citi card with the Citi Strata Premier?<\/span><\/h3>\n<p>Pairing credit cards is one of the easiest ways to boost your rewards. And with Citi, pairing the <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<\/a> with your no-annual-fee card unlocks the full list of Citi transfer partners, and better transfer ratios.<\/p>\n<p>Say you\u2019re a fan of the <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<\/a> Card. You\u2019re already earning 2X points on everything (1% when you buy plus 1% as you pay \u2014 delivered as points). Now pair that with the Citi Strata Premier\u2019s bonus categories, and you can supercharge your rewards:<\/p>\n<ul>\r\n<li>10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Restaurants<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Supermarkets<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Gas and EV Charging Stations <\/li>\r\n<li>1X \u2013 Earn 1 Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul>\n<p>In other words, you can earn up to 10X points on every dollar you spend. That's pretty rewarding. And, yes, you can transfer those points to all 21 transfer partners.<\/p>\n<div class=\"qs-card\" data-id=\"520083\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937075.png\" width=\"150\" alt=\"Citi Strata Premier\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Strata Premier<sup>\u00ae<\/sup> Card offers some of the best earning rates of any rewards card with an annual fee under $100. This card offers excellent rewards on an unusually generous list of earning categories, including air travel, hotels, car rentals, groceries, and dining\u2014and it tops our list of the best cards for <a href=\"https:\/\/awardwallet.com\/credit-cards\/best-credit-cards-for-gas\/\">gas & fuel purchases<\/a>. <\/div><div class=\"qs-tab-hl\"><ul><li>Earn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/li><li>Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. <\/li><li>Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. <\/li><li>Earn 1 Point per $1 spent on all other purchases<\/li><li>$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.<\/li><li>No expiration and no limit to the amount of points you can earn with this card<\/li><li>No Foreign Transaction Fees on purchases<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Restaurants<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Supermarkets<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Gas and EV Charging Stations <\/li>\r\n<li>1X \u2013 Earn 1 Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiPremier\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-6ed8a1058#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/www.google.com\/search?q=citi+pairing+site:awardwallet.com\" rel=\"noopener\">How to Create a\u00a0Winning Combo of Citi ThankYou Rewards Cards<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>On <strong>July 27, 2025<\/strong>, Citi will devalue the transfer ratios to three partners: JetBlue, Choice, and Wyndham. These changes only apply to those with no-annual-fee Citi cards that offer limited access to transfer partners. If you have a Citi card with an annual fee \u2014 or if you typically redeem your points in other ways \u2014 you won\u2019t be affected.<\/p>\n<p>It\u2019s a disappointing development, but not exactly unprecedented. Just recently, Citi also notified cardholders with access to all 21 partners that the <a target=\"_blank\" href=\"\/news\/citi-thankyou-rewards\/transfer-citi-points-emirates\/\" rel=\"noopener\">Emirates Skywards transfer ratio will devalue<\/a> on the same date. Here's to hoping that this is the beginning and end of transfer ratio devaluations \u2014 industry-wide.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Citi_to_Devalue_Three_Transfer_Ratios_on_No-Annual-Fee_Cards_in_July\">Citi to Devalue Three Transfer Ratios on No-Annual-Fee Cards in July<\/a><ul><li><a href=\"#Why_pair_your_no-annual-fee_Citi_card_with_the_Citi_Strata_Premier\">Why pair your no-annual-fee Citi card with the Citi Strata Premier?<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Multiple no-annual-fee Citi credit cards that offer limited access to ThankYou\u00ae transfer partners. With these cards, you can transfer rewards to just three travel partners or redeem them in other ways. But come July 27, 2025, those transfer ratios are set to devalue. Here&#8217;s what to know.<\/p>\n","protected":false},"author":80,"featured_media":179292,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12069],"tags":[12707],"coauthors":[36432],"class_list":["post-207547","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-citi-thankyou-rewards"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/207547","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=207547"}],"version-history":[{"count":18,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/207547\/revisions"}],"predecessor-version":[{"id":256942,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/207547\/revisions\/256942"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/179292"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=207547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=207547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=207547"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=207547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}