Originally Posted by Caylate

Hi everyone, does anyone have experience with combining ThankYou points accounts? I am trying to figure out how it handles situations where there are different redemption values/options across the two cards. I am trying to stack/double up on ThankYou rewards for the two Citi credit cards I currently have:

• Citi Double Cash, which was recently converted to earning ThankYou points by default and now effectively earns 2 points per dollar and allows for cash redemption at $0.01 per point
• Citi Rewards+, which earns approximately 1 ThankYou point per dollar but has a 10% credit bonus. With that credit it offers a roughly $0.011 redemption value for gift cards and travel booked through ThankYou, but a much more measly $0.0055 value for cash redemption.

Right now I have two separate ThankYou points accounts, one for the Double Cash and one for the Rewards+ card. I know it's possible to combine the two into one account, but I'm trying to figure out if it's possible to stack the benefits (e.g. redeem points for cash at $0.01 per point like on the Double Cash card AND get the 10% credit like the Rewards+ card), or if doing this means you lose all or some of these card-specific benefits. I do not spend a tremendous amount on my Citi cards, and opening up one of the higher-tier Citi cards for the airline transfers is not on the table at the moment. Thanks!