Last edit by: rrgg
When do my Thank You points expire?
It depends.
It's important to understand that if you have multiple Citi cards ("sponsor accounts") generating points into a single TY account, those pooled points may have different expiration dates based upon the rules of the corresponding sponsor account. Points from some sponsor accounts never expire as long as the sponsor account is open, while others have an expiration date based on the date of earning. (For a comprehensive list of expiration rules, see the TYP T&C.)
To complicate matters further, points-earning activity from a sponsor account will often extend the validity of older points from that same sponsor account.
What happens when I cancel a credit card from which I have earned TY points?
Points previously earned from that sponsor account will expire after 60 days.
What happens when I downgrade a Prestige card or Premier card from which I've earned TY points?
A product change from one ThankYou earning card to another ThankYou earning card should keep the points from expiring.
What are the rules for sharing points from my account to another TY account?
If you share points with (that is, make an internal TY transfer to) another TY account, those points will expire 90 days after the transfer. Note that
For details, see ThankYou Point Sharing capped at 100,000 points per calendar year
When I redeem points (for travel, gift cards, etc.), which ones does Citi use up first?
Citi will use the points with the soonest expiration date, which may or may not be points from a canceled sponsor account.
How can I see my expiring points?
Follow these steps:
Why do I see a warning that points expire in 7 days after converting from Citi Preferred to Citi Rewards+?
Citi acknowledges this message can appear in error after converting from one ThankYou credit card to another type of ThankYou credit card. If your points actually expired they will adjust the point balance upon request. In at least one case, the expiration never occurred despite the message.
If you converted a ThankYou credit card to a non-ThankYou credit card, that may be a different issue, and it's possible points really will expire by the stated deadline.
The info about 24-month clocks vs product changes came from these web pages:
https://www.doctorofcredit.com/produ...w-card-number/
https://thepointsguy.com/2017/07/pro...24-month-rule/
It depends.
It's important to understand that if you have multiple Citi cards ("sponsor accounts") generating points into a single TY account, those pooled points may have different expiration dates based upon the rules of the corresponding sponsor account. Points from some sponsor accounts never expire as long as the sponsor account is open, while others have an expiration date based on the date of earning. (For a comprehensive list of expiration rules, see the TYP T&C.)
To complicate matters further, points-earning activity from a sponsor account will often extend the validity of older points from that same sponsor account.
What happens when I cancel a credit card from which I have earned TY points?
Points previously earned from that sponsor account will expire after 60 days.
What happens when I downgrade a Prestige card or Premier card from which I've earned TY points?
A product change from one ThankYou earning card to another ThankYou earning card should keep the points from expiring.
What are the rules for sharing points from my account to another TY account?
If you share points with (that is, make an internal TY transfer to) another TY account, those points will expire 90 days after the transfer. Note that
- this is true regardless of whether you share to another TY user or to another TY account you hold (if you have multiple TY accounts);
- you may not share points that are expiring in less than 90 days; and
- you may not share more than 100K points (or receive more than 100K shared TY points) in any calendar year.
For details, see ThankYou Point Sharing capped at 100,000 points per calendar year
When I redeem points (for travel, gift cards, etc.), which ones does Citi use up first?
Citi will use the points with the soonest expiration date, which may or may not be points from a canceled sponsor account.
How can I see my expiring points?
Follow these steps:
- Log into your Thank You account (either directly or via citicards.com)
- From the My Account menu (top right of screen), select either "My Account Overview" or "My Points Summary"
- Look for a statement near the top of the screen such as "You do not have any points expiring within the next 60 days or less"
- Select "View all expiring points"
- Alternate: If logged in, you should be able to see the list at:https://www.thankyou.com/accountStatementExpiry.jspx
Why do I see a warning that points expire in 7 days after converting from Citi Preferred to Citi Rewards+?
Citi acknowledges this message can appear in error after converting from one ThankYou credit card to another type of ThankYou credit card. If your points actually expired they will adjust the point balance upon request. In at least one case, the expiration never occurred despite the message.
If you converted a ThankYou credit card to a non-ThankYou credit card, that may be a different issue, and it's possible points really will expire by the stated deadline.
The info about 24-month clocks vs product changes came from these web pages:
https://www.doctorofcredit.com/produ...w-card-number/
https://thepointsguy.com/2017/07/pro...24-month-rule/
Citi ThankYou points - cancel, downgrade & expiration considerations (2012 - 2023)
#1
Original Poster
Join Date: Dec 2008
Posts: 377
Citi ThankYou points - cancel, downgrade & expiration considerations (2012 - 2023)
I have a question regarding Citi TYP expiration, and I trust board experts more than a Citi rep. I have a Citi Premiere card for which I earned 55,000 points this year with the 50,000-point intro promo. The annual fee is due in November. If I signed up for a Citi checking account to earn TYPs, and the points posted in time, could I cancel the credit card before the annual fee is due in November and retain the 55,000 points? Or would they be lost if I canceled the card and didn't burn the points first?
I'd like cancel the card and hang onto the TYPs if I can.
I'd like cancel the card and hang onto the TYPs if I can.
#2
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
I have a question regarding Citi TYP expiration, and I trust board experts more than a Citi rep. I have a Citi Premiere card for which I earned 55,000 points this year with the 50,000-point intro promo. The annual fee is due in November. If I signed up for a Citi checking account to earn TYPs, and the points posted in time, could I cancel the credit card before the annual fee is due in November and retain the 55,000 points? Or would they be lost if I canceled the card and didn't burn the points first?
I'd like cancel the card and hang onto the TYPs if I can.
I'd like cancel the card and hang onto the TYPs if I can.
#3
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
without the checking account you have 30 days to use up the TYPs after cancelling the Premier card.
with the checking account you have 60 days to do so.
so getting a checking account buy you an additional 30 days to hang on your TYPs.
with the checking account you have 60 days to do so.
so getting a checking account buy you an additional 30 days to hang on your TYPs.
#4
Join Date: Jul 2009
Location: SEA
Posts: 2,556
Citi ThankYou points - cancel, downgrade & expiration considerations
Note, from the T&C: "You may transfer some or all of your available qualifying ThankYou Points as a gift to another ThankYou Member...Transferred Points received expire 90 days from the date they are received."
#5
Join Date: Jun 2005
Location: DFW/DAL
Programs: AA 1MM Gold, Marriott Gold, Hilton Diamond, Hyatt Discoverist
Posts: 1,524
Whoa! I did not see the 90 day thing. That's not good! I transferred all of my wife's points to my account. Has to have been more than 90 days ago though I think. Need to check on that!
#6
Join Date: Jun 2005
Location: DFW/DAL
Programs: AA 1MM Gold, Marriott Gold, Hilton Diamond, Hyatt Discoverist
Posts: 1,524
@#$%, i got bitten by those terms, lost 30k points, ugh. Emailing them immediately about this.
#7
Join Date: Jul 2009
Location: SEA
Posts: 2,556
Hope things work out for you. It is not surprising that people might be unaware of this stipulation - since normally, in other airline and hotel programs that I am aware of, transferring points or miles to another's account does not have such an expiration clause. It seems that in the process of transferring points online they should make this expiration matter very transparent and clear, perhaps by having the customer check/tick a box which states that they are aware that the points will expire in 90 days.
#8
Join Date: Dec 2002
Location: San Jose, CA
Programs: Hilton Gold; UA 3P; Cattle-Class on everything else.
Posts: 340
Expiry of X-fered points
Now I've gotto find a good use for those points...
#9
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Bite your tongue! Incompetently run organizations create opportunities for assistance in the relocation of frequent flyer miles.
That would be nice. It certainly strikes me as odd that the software was set up and is accessible to the CSRs but the program has been cancelled. If Citibank were a competently run organization (note my use of the conditional), access to those screens would be shut down once the transfer plans were cancelled.
#10
Join Date: Dec 2010
Location: Ontario, California
Programs: PC Plat, SPG Gold, HH Diamond, Hyatt plat,...
Posts: 370
It clearly says
Start sharing your ThankYou Points today. All you need to begin is:
The recipient's full name
The recipient's ThankYou Member Account Number or corresponding Credit Card or Checking Account Number*
The number of points you want to transfer**
You will also need to agree to the terms and conditions.
*Citi® ThankYou Points can only be transferred to another ThankYou Member Account.
**Once points are transferred, recipients will have 90 days to [redeem them before they expire.
It is on the same page as when you transfer.It is right in the terms and conditions. Plus when I called to have someone do it they always made sure I knew about the expiry date.
#11
Join Date: Dec 2002
Location: San Jose, CA
Programs: Hilton Gold; UA 3P; Cattle-Class on everything else.
Posts: 340
Also, they've got small ads on thankyou.com, that only talk to about points transfer with ZERO mention of expiry.
Anyway, this expiry is new on transferred points. E.g. :SPG doesn't have this nonsense
#12
Join Date: Jun 2005
Location: DFW/DAL
Programs: AA 1MM Gold, Marriott Gold, Hilton Diamond, Hyatt Discoverist
Posts: 1,524
Hope things work out for you. It is not surprising that people might be unaware of this stipulation - since normally, in other airline and hotel programs that I am aware of, transferring points or miles to another's account does not have such an expiration clause. It seems that in the process of transferring points online they should make this expiration matter very transparent and clear, perhaps by having the customer check/tick a box which states that they are aware that the points will expire in 90 days.
I will report back if they decide to reinstate my points. Hopefully so since it is only 36 hours past the expiration date!
#13
Join Date: Jun 2005
Location: DFW/DAL
Programs: AA 1MM Gold, Marriott Gold, Hilton Diamond, Hyatt Discoverist
Posts: 1,524
What do you mean.
It clearly says
Start sharing your ThankYou Points today. All you need to begin is:
The recipient's full name
The recipient's ThankYou Member Account Number or corresponding Credit Card or Checking Account Number*
The number of points you want to transfer**
You will also need to agree to the terms and conditions.
*Citi® ThankYou Points can only be transferred to another ThankYou Member Account.
**Once points are transferred, recipients will have 90 days to [redeem them before they expire.
It is on the same page as when you transfer.It is right in the terms and conditions. Plus when I called to have someone do it they always made sure I knew about the expiry date.
It clearly says
Start sharing your ThankYou Points today. All you need to begin is:
The recipient's full name
The recipient's ThankYou Member Account Number or corresponding Credit Card or Checking Account Number*
The number of points you want to transfer**
You will also need to agree to the terms and conditions.
*Citi® ThankYou Points can only be transferred to another ThankYou Member Account.
**Once points are transferred, recipients will have 90 days to [redeem them before they expire.
It is on the same page as when you transfer.It is right in the terms and conditions. Plus when I called to have someone do it they always made sure I knew about the expiry date.
#14
Join Date: Jul 2009
Location: SEA
Posts: 2,556
I would think you'd get your points back, but maybe they'll then want you to use them within a few days. Just my speculation.
#15
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
Go to this page and click the orange Terms & Conditions link to read the additional rules:
https://www.thankyou.com/transferPoints.jspx#
In particular:
1. Points earned through banking cannot be transferred.
2. Points already within 90 days of expiration cannot be transferred.
https://www.thankyou.com/transferPoints.jspx#
In particular:
1. Points earned through banking cannot be transferred.
2. Points already within 90 days of expiration cannot be transferred.