About 50k in points. I did look at the gift cards. The redemption rates were underwhelming but I guess that will be a last resort if nothing better. I thought I would be able to transfer to an airline partner but Citi only allows that if you have a credit card with them.

I wonder if I opened a credit card with them they would let me use the banking points that way, or whether those points are still excluded from airline transfer. I will have to check and see.