{"id":219898,"date":"2025-07-29T23:59:14","date_gmt":"2025-07-29T23:59:14","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=219898\/"},"modified":"2026-04-08T14:19:33","modified_gmt":"2026-04-08T14:19:33","slug":"transfer-partners-no-annual-fee-cards","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/news\/citi-thankyou-rewards\/transfer-partners-no-annual-fee-cards\/","title":{"rendered":"Citi Expands Point Transfer Options for No-Annual-Fee Cards \u2014 With a Catch"},"content":{"rendered":"<p>Lost in the shuffle of Citi\u2019s splashy updates \u2014 <a target=\"_blank\" href=\"\/news\/citi-thankyou-rewards\/transfer-citi-points-american-airlines\/\" rel=\"noopener\">including the launch of the Citi Strata Elite\u2120 Card (<a data-ccid=\"242\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4347&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) and new American Airlines transfers<\/a> \u2014 was a quieter but still important enhancement. No-annual-fee Citi cards now offer access to nearly all of Citi\u2019s travel transfer partners.<\/p>\n<p>This is a big shift for travelers who want flexibility without paying an annual fee. But is it worth using these new transfer options? Let\u2019s break down what changed, and when it makes sense to transfer.<\/p>\n<h2><span id=\"New_Transfer_Partners_for_Citi_No_Annual_Fee_Cards\">New Transfer Partners for Citi No Annual Fee Cards<\/span><\/h2>\n<p>Previously, only select no-annual-fee Citi cards, such as the <strong>Citi Rewards+<sup>\u00ae<\/sup> Card<\/strong><span data-sheets-root=\"1\">\u00a0\u2013 which has been <a href=\"\/news\/citi-thankyou-rewards\/rewards-plus-now-citi-strata\/\">revamped as the Citi Strata\u2120 Card<\/a> (<a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) &#8212; <\/span><span data-sheets-root=\"1\">and <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> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), <\/span>could transfer points to Wyndham Rewards, JetBlue TrueBlue, and Choice Privileges.<\/p>\n<p>Now, that's changed. All of the following Citi cards can now transfer points to\u00a0<em>almost<\/em> all <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi transfer partners<\/a>:<\/p>\n<ul>\n<li><strong>Citi ThankYou<sup>\u00ae<\/sup> Preferred Card<\/strong><\/li>\n<li><strong><a data-ccid=\"241\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\">Citi Strata\u2120 Card<\/a><\/strong><\/li>\n<li><strong><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><\/strong><\/li>\n<li><strong><a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a><\/strong><\/li>\n<li><strong>Citi ThankYou<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup><\/strong><\/li>\n<li><strong>AT&T Universal Rewards World<\/strong><\/li>\n<li><strong>AT&T Universal Savings and Rewards<\/strong><\/li>\n<li><strong>AT&T Universal Rewards<\/strong><\/li>\n<li><strong>AT&T Points Plus<sup>\u00ae<\/sup> Card<\/strong><\/li>\n<li><strong>AT&T Access Card from Citi<\/strong><\/li>\n<\/ul>\n<figure id=\"attachment_200316\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/169\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-200316 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/200122155939-underscored-citi-double-cash-featured-image-e1740939775654-1024x289.jpg\" alt=\"citi-double-cash-card\" width=\"600\" height=\"169\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/200122155939-underscored-citi-double-cash-featured-image-e1740939775654-1024x289.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/200122155939-underscored-citi-double-cash-featured-image-e1740939775654-300x85.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/200122155939-underscored-citi-double-cash-featured-image-e1740939775654-768x216.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/200122155939-underscored-citi-double-cash-featured-image-e1740939775654.jpg 1480w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Citi<\/em><\/enter><\/figure>\n<p>The catch? Points transfer at\u00a0less-than-stellar ratios. When going to <a href=\"https:\/\/www.thankyou.com\/cms\/thankyou\/\" target=\"_blank\" rel=\"noopener\">thankyou.com<\/a> and logging into one of those non-premium cards, ThankYou Points can be redeemed as follows:<\/p>\n<p><strong>1,000 points = 700 miles\/points<\/strong><\/p>\n<ul>\n<li>Aeromexico Rewards<\/li>\n<li>Avianca Lifemiles<\/li>\n<li>Cathay Pacific<\/li>\n<li>Etihad Guest<\/li>\n<li>EVA Air<\/li>\n<li>Flying Blue<\/li>\n<li>JetBlue TrueBlue<\/li>\n<li>Qantas Frequent Flyer<\/li>\n<li>Qatar Airways Privilege Club<\/li>\n<li>Singapore Airlines<\/li>\n<li>Thai Royal Orchid Plus<\/li>\n<li>Turkish Airlines Miles&Smiles<\/li>\n<li>Virgin Atlantic Flying Club<\/li>\n<li>Wyndham Rewards<\/li>\n<\/ul>\n<p><strong>Other transfer rates<\/strong><\/p>\n<ul>\n<li>Accor Live Limitless: 1,000 points =&gt; 350 points<\/li>\n<li>Choice Privileges: 1,000 points =&gt; 1,400 points<\/li>\n<li>Emirates Skywards: 1,000 points =&gt; 560 miles<\/li>\n<li>Leaders Club: 1,000 points =&gt; 140 points<\/li>\n<li>Preferred Hotels & Resorts: 1,000 points =&gt; 2,800 points<\/li>\n<\/ul>\n<h2><span id=\"Get_Better_Transfer_Rates_With_a_Premium_Citi_Card\">Get Better Transfer Rates With a Premium Citi Card<\/span><\/h2>\n<p>Every one of these transfer rates improves if you have a premium Citi card, such as the <a data-ccid=\"242\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-elite-offer\/\">Citi Strata Elite\u2120 Card<\/a>, <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a><span data-sheets-root=\"1\"> (<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>, or <a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" =_blank>Citi Prestige<sup>\u00ae<\/sup> Card<\/a> <span data-sheets-root=\"1\">(no longer available to new applicants).<\/span><\/p>\n<p><span data-sheets-root=\"1\">ThankYou points can be transferred from any of these cards to all 21 Citi transfer partners &#8212; including <a target=\"_blank\" href=\"\/news\/citi-thankyou-rewards\/transfer-citi-points-american-airlines\/\" rel=\"noopener\">transferring Citi points to American Airlines AAdvantage<\/a>. The transfer ratio is 1:1 for all but one of the 15 Citi airline transfer partners. Emirates is the sole exception, with a <a target=\"_blank\" href=\"\/news\/citi-thankyou-rewards\/transfer-citi-points-emirates\/\" rel=\"noopener\">recently devalued 5:4 transfer rate<\/a>.<\/span><\/p>\n<p>On the hotel side, Citi premium cardholders can transfer points to five hotel partners at a better rate than the no-annual-fee cards:<\/p>\n<ul>\n<li>Accor Live Limitless: 1,000 points =&gt; 500 points<\/li>\n<li>Choice Privileges: 1,000 points =&gt; 2,000 points<\/li>\n<li>Leaders Club: 1,000 points =&gt; 250 points<\/li>\n<li>Preferred Hotels & Resorts: 1,000 points =&gt; 4,000 points<\/li>\n<li>Wyndham Rewards: 1,000 points =&gt; 1,000 points<\/li>\n<\/ul>\n<p><strong>Related<\/strong>: <a href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\">Citi ThankYou Point Transfer Partners Ultimate Guide<\/a><\/p>\n<h2><span id=\"Bottom_Line\"><strong>Bottom Line<\/strong><\/span><\/h2>\n<p>Citi\u2019s latest changes quietly but significantly expand the flexibility of its no-annual-fee cards. It\u2019s a meaningful upgrade that cardholders of products like the <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> and <a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a> can now access nearly all of Citi\u2019s airline and hotel partners \u2014 something that was previously limited or entirely unavailable.<\/p>\n<p>Yes, you\u2019ll only get around 70% of the value compared to premium cards. But in the right situation \u2014 like topping off a mileage balance or making use of orphaned points \u2014 these newly unlocked transfer options can still offer solid value without paying an annual fee.<\/p>\n<p>With that said, if you plan on earning and redeeming a lot of Citi ThankYou points, you'll be much better served by getting a modest annual fee card like the <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<\/a>:<\/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=\"btn-use qs-apply-now\" title='Citi Strata Premier\u00ae Card' data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/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?v2026-4-307b22a62b#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p><strong>Related<\/strong>: <a href=\"\/credit-cards\/citi-thankyou-rewards\/redeem-citi-points\/\">Best Ways to Use Citi ThankYou Points<\/a><\/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=\"#New_Transfer_Partners_for_Citi_No_Annual_Fee_Cards\">New Transfer Partners for Citi No Annual Fee Cards<\/a><\/li><li><a href=\"#Get_Better_Transfer_Rates_With_a_Premium_Citi_Card\">Get Better Transfer Rates With a Premium Citi Card<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Citi has updated its transfer partners from certain cards. Now, several no fee cards (including the Citi Double Cash\u00ae Card and Citi Custom Cash<sup>\u00ae<\/sup> Card) can transfer to almost all Citi transfer partners. However, the ratios are not as good as with Citi&#8217;s premium cards. Let&#8217;s break down the details.<\/p>\n","protected":false},"author":94,"featured_media":200317,"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":[36490],"class_list":["post-219898","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\/219898","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\/94"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=219898"}],"version-history":[{"count":20,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/219898\/revisions"}],"predecessor-version":[{"id":233704,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/219898\/revisions\/233704"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/200317"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=219898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=219898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=219898"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=219898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}