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)
#151
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,474
A good step right? This cancellation policy is quite a deal breaker for me.
#152
Join Date: Feb 2003
Location: On strike
Posts: 8,135
I wonder if Citi has quietly changed the ThankYou points cancellation policy as it pertains to card cancellation. I "know" that the points earned with a specific card expire 30 days after the card account is closed, but I can no longer find this in the terms of the ThankYou Rewards program on thankyou.com, nor in the terms of the cards offered on citicards.com.
#153
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Not surprised. I won't consider the policy changed until the terms include an explicit statement that points earned with a card do not expire if (for example) I still hold another ThankYou card.
#154
Join Date: May 2013
Posts: 258
I want to cancel the AU card on my Prestige account. Will that have any affect on points expiring?
#155
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
I have no direct experience, but points earned by an authorized user's card are commingled with points earned on the primary card. ThankYou does not know which card generated the points, so there should not be any expiration implication because the card account is still open.
#156
Join Date: Feb 2003
Location: On strike
Posts: 8,135
I have no direct experience, but points earned by an authorized user's card are commingled with points earned on the primary card. ThankYou does not know which card generated the points, so there should not be any expiration implication because the card account is still open.
#157
Join Date: May 2013
Posts: 258
Great thanks. Now that the second card on Prestige doesn't get the companion ticket or have lounge access, I can't see any reason to pay the extra $50 a year for it. We also have the Premiere with a secondary card, he can just use that and the TYP will end up in the same place.
#158
Join Date: Dec 2014
Programs: Marriott Gold, SPG Gold, Hilton Gold, Best Western Diamond
Posts: 364
CitiGold 40k bonus
Apped for CitiGold the other day (had to do it on the phone cause their website is crap), but once I get the 40k bonus...can I close the account and keep the TY points in my TY account? I also have a prestige and a forward card, so I have a thankyou account i'll be keeping.
#159
Join Date: Feb 2003
Location: On strike
Posts: 8,135
Apped for CitiGold the other day (had to do it on the phone cause their website is crap), but once I get the 40k bonus...can I close the account and keep the TY points in my TY account? I also have a prestige and a forward card, so I have a thankyou account i'll be keeping.
#160
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
I think the OP was asking about TYPs from opening a Citi Gold checking account. If so, banking points cannot be combined with TYPs from credit card bonuses and spend, nor can they be transferred to a FF account.
#161
Join Date: Aug 2012
Programs: HH Diamond, Hyatt Globalist, Marriott Gold, Club Carlson Gold, National EE, *G
Posts: 470
The TY accounts can be merged, but the system will differentiate between banking account TY points and credit card TY points - Indeed, it won't let you transfer the merged points from the bank account TY points.
#162
Join Date: Dec 2000
Location: NY
Posts: 132
Just double checking on expiration of points. If I transfer my TYP's to my wife's account then close my CC, the points I transferred do not expire for 90 days, correct?
#164
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
So Citi does not have a card similar to Chase's Freedom or an Amex Everyday rewards cards that can receive rewards points before cancelling a premium card that earned a bonus like Premeire? They are forfeited if not redeemed for something in 30 days.
I have a few Amex, BRG & PRG 130kpts and now Chase CSP & InkPlus 100k and counting. In Chase's case I have 2 Freedoms to go along with the above and will exchange my Amex Costco to an Everyday and will then decide next June which AFs I'm willing to keep.
What are Citi 50k TY points worth dollar wise or travel wise?
I have a few Amex, BRG & PRG 130kpts and now Chase CSP & InkPlus 100k and counting. In Chase's case I have 2 Freedoms to go along with the above and will exchange my Amex Costco to an Everyday and will then decide next June which AFs I'm willing to keep.
What are Citi 50k TY points worth dollar wise or travel wise?
Last edited by mhdena; Jun 13, 2015 at 6:33 pm
#165
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
We really don't know because Citi has changed the ThankYou Rewards terms without making an announcement. See this post:
http://www.flyertalk.com/forum/24958639-post678.html
http://www.flyertalk.com/forum/24958639-post678.html