{"id":57753,"date":"2026-09-20T21:10:02","date_gmt":"2026-09-20T21:10:02","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=57753"},"modified":"2026-09-20T21:10:02","modified_gmt":"2026-09-20T21:10:02","slug":"do-citi-points-expire","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/do-citi-points-expire\/","title":{"rendered":"Citi ThankYou Points Expiration: A Guide to Citi&#8217;s Complicated Expiration Policies"},"content":{"rendered":"<p class=\"custom-blue\"><strong>Citi ThankYou<sup>\u00ae<\/sup> Points generally don't expire while the associated card account remains open. However, some legacy-card points have fixed expiration dates, shared points expire after 90 days, and points associated with a closed or converted account may need to be used within 60 days.<\/strong><\/p>\n<p>Here's how Citi ThankYou point expiration works, which deadlines apply to different types of points, and how to avoid forfeiting your rewards.<\/p>\n<h2><span id=\"Citi_ThankYou_Points_Expiration_Policy\">Citi ThankYou Points Expiration Policy<\/span><\/h2>\n<p>Unlike some rewards programs with one universal expiration rule, Citi ThankYou Rewards has different policies depending on how you earned your points. Citi's <a target=\"_blank\" href=\"https:\/\/www.citi.com\/credit-cards\/money-management\/citi-thankyou-rewards-faqs\" rel=\"noopener\">ThankYou Rewards FAQ<\/a> sums it up this way:<\/p>\n<blockquote><p><em>\u201cThankYou Points may expire depending on your Citi credit card, though shared points expire 90 days after receipt.\u201d<\/em><\/p><\/blockquote>\n<p>For many current Citi cards, the points you earn do not expire while the associated card account remains open. However, some older Citi cards have fixed expiration schedules. Closing or converting an account can also trigger a deadline for using points associated with that card.<\/p>\n<p class=\"custom-blue\"><strong>Track your points and miles expiration for 600+ loyalty programs and get email alerts before your miles expire by <a href=\"https:\/\/awardwallet.com\/register?ref=235&#038;code=\" =_blank>signing up for a free AwardWallet account<\/a>.<\/strong><\/p>\n<h2><span id=\"Citi_ThankYou_Point_Expiration_by_Card\">Citi ThankYou Point Expiration by Card<\/span><\/h2>\n<p>Whether your ThankYou Points expire \u2014 and when \u2014 depends on the Citi card that originally earned them.<\/p>\n<h3><span id=\"Citi_cards_with_no_expiration\">Citi cards with no expiration<\/span><\/h3>\n<p>Points earned through many Citi ThankYou Rewards cards do not expire while the associated account remains open. These include:<\/p>\n<ul>\n<li><a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a><\/li>\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><a data-ccid=\"241\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\">Citi Strata\u2120 Card<\/a><\/li>\n<li><a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a><\/li>\n<li><a data-ccid=\"242\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-elite-offer\/\">Citi Strata Elite\u2120 Card<\/a><\/li>\n<li><a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" =_blank>Citi Prestige<sup>\u00ae<\/sup> Card<\/a><\/li>\n<li><strong>Citi Rewards+<sup>\u00ae<\/sup> Card<\/strong><\/li>\n<li><strong>Citi ThankYou<sup>\u00ae<\/sup> Preferred Card<\/strong><\/li>\n<li><strong>CitiBusiness<sup>\u00ae<\/sup> ThankYou<sup>\u00ae<\/sup> Card<\/strong><\/li>\n<li><strong>AT&T Access Card from Citi<\/strong><\/li>\n<li><strong>AT&T Access More Card from Citi<\/strong><\/li>\n<li><a data-ccid=\"157\" href=\"https:\/\/awardwallet.com\/blog\/cards\/ATTPointsPlus\">AT&T Points Plus<sup>\u00ae<\/sup> Card from Citi<\/a><\/li>\n<\/ul>\n<p>However, points you originally earned with a different Citi card may retain the expiration rules that applied when you earned them, even after a product change.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/how-to-earn-citi-points\/\" rel=\"noopener\">How To Earn Citi ThankYou<sup>\u00ae<\/sup> Points<\/a><\/strong><\/p>\n<h3><span id=\"Citi_cards_with_special_expiration_terms\">Citi cards with special expiration terms<\/span><\/h3>\n<p>Points earned on certain older Citi cards can retain their original expiration schedule after a product change. These include:<\/p>\n<ul>\n<li><strong>AT&T Universal Business Rewards Card<\/strong><\/li>\n<li><strong>CitiBusiness Card with ThankYou Rewards<\/strong><\/li>\n<li><strong>CitiBusiness World Card with ThankYou Rewards<\/strong><\/li>\n<li><strong>PremierPass Card<\/strong><\/li>\n<\/ul>\n<h3><span id=\"Cards_with_a_5-year_expiration_policy\">Cards with a 5-year expiration policy<\/span><\/h3>\n<p>Points earned from the following cards expire at the end of the year after five full calendar years have passed since you earned them:<\/p>\n<ul>\n<li><strong>AT&T Universal Card<\/strong><\/li>\n<li><strong>AT&T Universal Rewards Card<\/strong><\/li>\n<li><strong>AT&T Universal Savings and Rewards Card<\/strong><\/li>\n<li><strong>Citi Platinum with ThankYou Rewards Card<\/strong><\/li>\n<\/ul>\n<p>For example, points earned in June 2021 expire on December 31, 2026.<\/p>\n<p>Points earned from the former <strong>Citi Forward<sup>\u00ae<\/sup> Card<\/strong> follow a slightly different rule: They expire five years from the end of the month in which they were earned. This applies to points earned through June 3, 2016.<\/p>\n<h3><span id=\"Cards_with_a_3-year_expiration_policy\">Cards with a 3-year expiration policy<\/span><\/h3>\n<p>Points earned from the following cards expire at the end of the year after three full calendar years have passed:<\/p>\n<ul>\n<li><strong>AT&T Universal Business Rewards Card<\/strong><\/li>\n<li><strong>Citi Business<sup>\u00ae<\/sup> Card with ThankYou<sup>\u00ae<\/sup> Rewards<\/strong><\/li>\n<li><strong>Citi Business<sup>\u00ae<\/sup> World Card with ThankYou<sup>\u00ae<\/sup> Rewards<\/strong><\/li>\n<li><strong>Citi Professional with ThankYou<sup>\u00ae<\/sup> Rewards<\/strong><\/li>\n<\/ul>\n<p>For example, points earned in June 2023 expire on December 31, 2026.<\/p>\n<p>This three-year expiration rule also applies to eligible ThankYou Points previously earned through Citibank checking accounts. Citibank stopped awarding new ThankYou Points through these checking relationships in September 2023.<\/p>\n<figure id=\"attachment_144343\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-144343 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Citi-ThankYou-points-can-be-some-of-the-most-lucrative-around-scott-webb-unsplash-300x240.jpg\" alt=\"Citi sign on Citi Plaza building\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Citi-ThankYou-points-can-be-some-of-the-most-lucrative-around-scott-webb-unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Citi-ThankYou-points-can-be-some-of-the-most-lucrative-around-scott-webb-unsplash-1024x819.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Citi-ThankYou-points-can-be-some-of-the-most-lucrative-around-scott-webb-unsplash-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Citi-ThankYou-points-can-be-some-of-the-most-lucrative-around-scott-webb-unsplash-1536x1229.jpg 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Citi-ThankYou-points-can-be-some-of-the-most-lucrative-around-scott-webb-unsplash-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Citi-ThankYou-points-can-be-some-of-the-most-lucrative-around-scott-webb-unsplash.jpg 1920w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Scott Webb\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Other_Ways_Citi_ThankYou_Points_Can_Expire\">Other Ways Citi ThankYou Points Can Expire<\/span><\/h2>\n<p>Even if your Citi card normally earns points without a fixed expiration date, certain actions can start an expiration clock.<\/p>\n<h3><span id=\"Closing_or_converting_a_Citi_card\">Closing or converting a Citi card<\/span><\/h3>\n<p>If you close a participating Citi card \u2014 or convert it to a card that does not participate in ThankYou Rewards \u2014 you generally have 60 days to redeem the points associated with that account.<\/p>\n<p>This rule can also apply when Citi closes an account due to inactivity. If Citi closes your account for certain other reasons, including fraud, misuse, abuse, or suspicious activity, your points may be forfeited immediately.<\/p>\n<p>If you have multiple Citi cards linked to the same ThankYou account, closing one card does not necessarily put every ThankYou Point at risk. The deadline applies to points associated with the closed or converted account.<\/p>\n<h3><span id=\"Points_received_through_sharing\">Points received through sharing<\/span><\/h3>\n<p>Citi lets eligible members <a target=\"_blank\" href=\"\/travel\/which-programs-allow-free-points-sharing\/\" rel=\"noopener\">share ThankYou Points with another member<\/a>. However, <strong>shared ThankYou Points expire 90 days after they are received<\/strong>.<\/p>\n<p>That makes sharing most useful when the recipient has an immediate redemption in mind.<\/p>\n<h3><span id=\"If_Citi_ends_the_ThankYou_Rewards_program\">If Citi ends the ThankYou Rewards program<\/span><\/h3>\n<p>Citi's terms also address the unlikely possibility of the ThankYou Rewards program ending. If Citi terminates the program, members generally have 90 days to redeem their accumulated points before they are forfeited.<\/p>\n<h2><span id=\"How_to_Use_Citi_ThankYou_Points_Before_They_Expire\">How to Use Citi ThankYou Points Before They Expire<\/span><\/h2>\n<p>If you have ThankYou Points approaching an expiration deadline, you have several ways to use them:<\/p>\n<ul>\n<li>Transfer points to one of the <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi ThankYou transfer partners<\/a>.<\/li>\n<li>Book flights, hotels, car rentals, and other travel through the <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-travel-portal\/\" rel=\"noopener\">Citi Travel portal<\/a>.<\/li>\n<li>Redeem points for cash through an eligible direct deposit or check.<\/li>\n<li>Redeem points for a statement credit.<\/li>\n<li>Purchase gift cards.<\/li>\n<li>Use points at participating Shop With Points merchants.<\/li>\n<li>Donate points to participating charities.<\/li>\n<\/ul>\n<p>Transferring ThankYou Points to airline or hotel partners can provide excellent value, particularly when you have a specific high-value redemption in mind. Here's our step-by-step guide to <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/how-to-transfer-citi-points\/\" rel=\"noopener\">transferring Citi ThankYou Points<\/a>.<\/p>\n<p>You can check whether any of your points are scheduled to expire within the next 60 days by logging into ThankYou.com and viewing the \u201cMy Points Summary\u201d section of your account.<\/p>\n<p><strong>Note:<\/strong> If you've closed your only Citi account participating in ThankYou Rewards, you may lose online access to your ThankYou account. Citi says you can still contact the ThankYou Service Center at 1-800-THANKYOU to redeem eligible points before the applicable deadline.<\/p>\n<h2><span id=\"Use_AwardWallet_to_Track_Citi_ThankYou_Points_Expiration\">Use AwardWallet to Track Citi ThankYou Points Expiration<\/span><\/h2>\n<p>With multiple Citi expiration rules, it pays to monitor your ThankYou Points carefully \u2014 especially if you have points from a legacy card, a closed account, or another Citi member.<\/p>\n<p>AwardWallet can track your Citi ThankYou balance and help alert you when points are approaching expiration. To get started, log into your AwardWallet account and <a target=\"_blank\" href=\"\/account\/add\/364\" rel=\"noopener\">link your Citi ThankYou account<\/a>.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/features\/how-to-track-points-using-awardwallet\/\" rel=\"noopener\">How to Track Your Rewards Using AwardWallet<\/a><\/strong><\/p>\n<p class=\"custom-blue\"><strong>Don't have an AwardWallet account yet?<\/strong> <a href=\"https:\/\/awardwallet.com\/register?ref=235\" =_blank>Sign up for free<\/a> and track unlimited rewards programs and travel plans.<\/p>\n\t\t<div class=\"wp-faq-schema-wrap wp-faq-schema-accordion\">\n\t\t\t\t\t\t\t<h2><span id=\"Citi_ThankYou_Points_Expiration_FAQ\">Citi ThankYou Points Expiration FAQ<\/span><\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Do_Citi_ThankYou_points_expire\">Do Citi ThankYou points expire?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Most Citi ThankYou Points earned through current participating credit cards do not expire while the associated card account remains open. However, some legacy cards have fixed expiration periods, shared points expire after 90 days, and closing or converting certain accounts can trigger an expiration deadline.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"What_happens_to_Citi_ThankYou_points_when_I_close_a_card\">What happens to Citi ThankYou points when I close a card?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>You generally have 60 days to use points associated with a Citi card you voluntarily close or convert to a card that does not participate in ThankYou Rewards. If you have other eligible Citi accounts linked to the same ThankYou account, points associated with those accounts can remain available.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"How_long_until_Citi_ThankYou_points_expire\">How long until Citi ThankYou points expire?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>There is no single Citi ThankYou Points expiration period. Depending on how you earned the points, they may have no fixed expiration date, expire 60 or 90 days after certain events, or follow a three- or five-year expiration schedule.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"How_do_I_keep_my_Citi_ThankYou_points_from_expiring\">How do I keep my Citi ThankYou points from expiring?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Keep participating Citi accounts open when possible and pay close attention before closing or converting a card. If points already have an expiration date, redeem or transfer them before the deadline because generating new account activity generally does not reset Citi's fixed expiration periods.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"What_counts_as_account_activity_for_Citi_ThankYou_Rewards\">What counts as account activity for Citi ThankYou Rewards?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Citi ThankYou Points generally do not use an inactivity-based expiration policy, so earning or redeeming points does not reset a universal expiration clock. Instead, expiration depends on the card or how the points were acquired.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>Citi ThankYou Rewards does not have one simple expiration policy. Most points earned through current participating Citi cards do not expire while the associated account remains open, but legacy-card points, shared points, and points tied to closed accounts can follow very different deadlines.<\/p>\n<p>The key is knowing which bucket your points fall into. Check your ThankYou account before closing or converting a Citi card, use shared points promptly, and track expiration dates through AwardWallet so an obscure Citi rule doesn't cost you valuable rewards.<\/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_ThankYou_Points_Expiration_Policy\">Citi ThankYou Points Expiration Policy<\/a><\/li><li><a href=\"#Citi_ThankYou_Point_Expiration_by_Card\">Citi ThankYou Point Expiration by Card<\/a><ul><li><a href=\"#Citi_cards_with_no_expiration\">Citi cards with no expiration<\/a><\/li><li><a href=\"#Citi_cards_with_special_expiration_terms\">Citi cards with special expiration terms<\/a><\/li><li><a href=\"#Cards_with_a_5-year_expiration_policy\">Cards with a 5-year expiration policy<\/a><\/li><li><a href=\"#Cards_with_a_3-year_expiration_policy\">Cards with a 3-year expiration policy<\/a><\/li><\/ul><\/li><li><a href=\"#Other_Ways_Citi_ThankYou_Points_Can_Expire\">Other Ways Citi ThankYou Points Can Expire<\/a><ul><li><a href=\"#Closing_or_converting_a_Citi_card\">Closing or converting a Citi card<\/a><\/li><li><a href=\"#Points_received_through_sharing\">Points received through sharing<\/a><\/li><li><a href=\"#If_Citi_ends_the_ThankYou_Rewards_program\">If Citi ends the ThankYou Rewards program<\/a><\/li><\/ul><\/li><li><a href=\"#How_to_Use_Citi_ThankYou_Points_Before_They_Expire\">How to Use Citi ThankYou Points Before They Expire<\/a><\/li><li><a href=\"#Use_AwardWallet_to_Track_Citi_ThankYou_Points_Expiration\">Use AwardWallet to Track Citi ThankYou Points Expiration<\/a><\/li><li><a href=\"#Citi_ThankYou_Points_Expiration_FAQ\">Citi ThankYou Points Expiration FAQ<\/a><ul><li><a href=\"#Do_Citi_ThankYou_points_expire\">Do Citi ThankYou points expire?<\/a><\/li><li><a href=\"#What_happens_to_Citi_ThankYou_points_when_I_close_a_card\">What happens to Citi ThankYou points when I close a card?<\/a><\/li><li><a href=\"#How_long_until_Citi_ThankYou_points_expire\">How long until Citi ThankYou points expire?<\/a><\/li><li><a href=\"#How_do_I_keep_my_Citi_ThankYou_points_from_expiring\">How do I keep my Citi ThankYou points from expiring?<\/a><\/li><li><a href=\"#What_counts_as_account_activity_for_Citi_ThankYou_Rewards\">What counts as account activity for Citi ThankYou Rewards?<\/a><\/li><\/ul><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Citi ThankYou\u00ae has a unbelievably complex points expiration structure, meaning that figuring out whether your points expire can be tricky. ThankYou-earning cards have different expiration deadlines depending on how you earned your points.<\/p>\n","protected":false},"author":17,"featured_media":188263,"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":"default","_google_business_share_type":"default","_bluesky_share_type":"","_mastodon_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"","timeOption":"","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":""},"_wpsp_active_default_template":true},"categories":[12068],"tags":[12707,36456],"coauthors":[36383],"class_list":["post-57753","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-award-programs","tag-citi-thankyou-rewards","tag-expiration-policies"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/57753","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\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=57753"}],"version-history":[{"count":38,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/57753\/revisions"}],"predecessor-version":[{"id":274574,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/57753\/revisions\/274574"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/188263"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=57753"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=57753"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=57753"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=57753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}