Citi Double Cash Card

Yes. ThankYou points are Citi’s rewards currency. You can redeem them for cash back, at a rate that depends on your card: Citi’s points calculator shows 1 cent per point on the Double Cash and Custom Cash, 0.75 cent on the Strata Premier and Strata Elite, and 0.5 cent on the Strata. If you have a card that earns transferable points, you can move them to an airline or hotel partner and redeem them for much more value.

They can be. Cash or statement credit redemptions give you 0.5¢ to 1¢ per point depending on the card (0.75¢ on the Strata Premier and Strata Elite). Transferring points to an airline or hotel partner can unlock redemptions worth more, especially when you take advantage of partner sweet spots.

Yes. You can book flights through the Citi Travel Portal, but that’s usually poor value. If your card allows transfers, moving points to an airline partner typically gives you a much better return than booking through the portal at 1 cent per point.

Yes. You can redeem points for a statement credit to help pay your bill. We only recommend this if you can’t pay your balance in full and would otherwise incur interest. Otherwise, transferring to an airline or hotel partner will give you better value.

The Citi Travel portal gives a flat 1 cent per point for flights, hotels, car rentals and attractions on every current ThankYou card. Citi publishes no value for transfers: what a transferred point is worth depends on the partner and the award you book, and it can be more or less than 1 cent. Transfer to partners when an award costs fewer points than the portal price, which is most common on premium cabin flights and sweet spot awards. Use the portal for simple bookings where partner awards don't beat 1 cent per point.

Only the Citi Strata Premier ($95/year), Citi Strata Elite ($595/year), and Citi Prestige ($495/year, no longer available to new applicants) unlock 1:1 transfer ratios. Other ThankYou-earning cards like the Double Cash, Custom Cash, and Strata transfer at a reduced 0.7:1 ratio.

Yes. You can combine all ThankYou points into one account, either on the ThankYou website or by calling. If you combine points into a Strata Premier, Strata Elite, or Prestige account, all combined points unlock 1:1 transfer ratios to airline and hotel partners.

No, ThankYou points do not expire as long as your account is open and in good standing. However, if you transfer points to another ThankYou member (up to 100,000 per calendar year), the received points expire 90 days after transfer.

The Citi quadfecta maximizes earning across categories: Strata Premier (3x dining, gas, groceries, airfare, hotels), Strata card (3x transit + 3x self-select category), Custom Cash (5x on top category up to $500/month), and Double Cash (2x on everything). All points pool to the premium card for 1:1 transfers at minimal annual fees.

Citi periodically offers transfer bonuses of 15-30% to select airline and hotel partners. These are limited-time promotions that give you extra miles or points when transferring. Common bonus partners include Air France-KLM Flying Blue, Avianca LifeMiles, Virgin Atlantic Flying Club, and Wyndham Rewards.