Citi ThankYou® Rewards

Master the 'Citi Quadfecta' and unlock unique transfer partners for incredible global value.

The Citi Quadfecta Strategy

Citi's ecosystem is unique because you can combine points from four different cards to maximize every dollar spent.

Card Name	Role in Your Wallet
Citi Strata Premier	3x on flights, hotels, dining, supermarkets, and gas. The core transfer card.
Citi Custom Cash	5x points on your top spend category (up to $500/cycle). Great for groceries or gas.
Citi Double Cash®	Earn 2 points per dollar on every purchase. The perfect 'catch-all' card.
Citi Rewards+®	Rounds up to the nearest 10 points and gives a 10% points rebate on redemptions.

While cash is an option, the real power of Citi lies in its unique transfer ratios and niche airline partners.

Redemption Method	Typical Value	Why Use This?
Transfer to Partners	1.5 - 2.5¢	Best value, especially for Turkish or Flying Blue redemptions.
Choice Privileges	~1.6¢	Unique 1:2 transfer ratio makes this a top-tier hotel option.
Redeem for Travel	1.0¢	Fixed value via Citi portal. Reliable but rarely the best value.
Cash Back	1.0¢	Simple but misses out on the massive upside of travel transfers.

Citi is the only program with a 1:2 transfer ratio to Choice Privileges, making your points twice as valuable for hotel stays in Europe and Japan.

Turkish Miles&Smiles: Fly United domestic (including Hawaii) for just 10k miles one-way.
Virgin Atlantic: Great for booking ANA Business Class to Japan from the West Coast.
Avianca LifeMiles: Book Star Alliance flights (like United or Lufthansa) without any fuel surcharges.
Flying Blue: Monthly 'Promo Rewards' offer discounted flights to Europe for as little as 15k points.

Pool Your Points: Always move points to your Strata Premier to unlock the full partner list.
Rewards+ 10% Back: Hold this card to get 10% of your points back on every redemption (up to 10k points/year).
Choice Hotel Magic: Use the 1:2 ratio for incredible value at luxury Nordic Choice hotels.