Citi ThankYou Points offer flexibility through various redemption options, including transfers to airline partners. Understanding their expiration policy is important for maximizing their value.

Citi ThankYou Points Expiration Policy

Similar to other major bank rewards programs, Citi ThankYou Points generally do not expire as long as you maintain an active ThankYou Points-earning credit card account.

  • You need at least one open Citi credit card that earns ThankYou Points (e.g., Citi Strata Premier℠ Card, Citi Rewards+® Card) for your points to remain valid.
  • Points earned across different eligible Citi cards are typically pooled into a single ThankYou account.

As long as an eligible card account remains open and in good standing, your points are safe from expiration due to inactivity or the passage of time.

Important Considerations: Account Closure and Point Sharing

While points don't expire with an active card, there are crucial scenarios to be aware of:

  • Closing Your Only ThankYou Points Card: If you close your last ThankYou Points-earning credit card, any points associated with that card account will typically expire after a specific period (often 60 days, but check your terms).
  • Product Changes: Changing your card to a non-ThankYou Points-earning product may also trigger the expiration timeframe for associated points.
  • Point Sharing: Citi allows sharing ThankYou Points with other ThankYou members. However, shared points do have an expiration date, typically 90 days from the date they are received. Be mindful of this if you receive points from someone else.
  • Expired Points from Specific Cards: Points earned from certain cards (less common now, but check older accounts) might have had fixed expiration dates tied to when they were earned.

Before closing your last ThankYou Points-earning card, ensure you redeem or transfer your points. If sharing points, inform the recipient of the 90-day expiration.

Official Policy

For the most accurate and up-to-date information, always consult the official Citi ThankYou Rewards program rules:

Keeping an eligible Citi card open is the key to preventing your ThankYou Points from expiring.

Disclaimer: Program rules can change. Always refer to the official Citi documentation for current policies. This guide is for informational purposes only.