May 29, 2013, 3:40 pm
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)
Jun 30, 2015, 5:46 pm
#166
Join Date: Dec 2005
Programs: AS MVP
Posts: 294
cancelled TY Preferred - what to do with points?
So i think citi may have canceled my (unused) Thank You Preferred card.
I don't have a Citi checking account, or a Citi branch anywhere near me.
I tried generating a reward acct number to pay a utility bill, which didn't work. According to the wiki I can not transfer points to an airline, or pay down another Citi card. Every option i try online just loops back to the citi home page/acct summary.
Gift cards my only option?
Transfer to a new card?
And my points don't disappear for 30 days, correct?
Are they cancelling other people too? (Never had anyone cancel an acct before)
I don't have a Citi checking account, or a Citi branch anywhere near me.
I tried generating a reward acct number to pay a utility bill, which didn't work. According to the wiki I can not transfer points to an airline, or pay down another Citi card. Every option i try online just loops back to the citi home page/acct summary.
Gift cards my only option?
Transfer to a new card?
And my points don't disappear for 30 days, correct?
Are they cancelling other people too? (Never had anyone cancel an acct before)
Jul 1, 2015, 2:38 am
#167
Join Date: May 2015
Posts: 441
So i think citi may have canceled my (unused) Thank You Preferred card.
I don't have a Citi checking account, or a Citi branch anywhere near me.
I tried generating a reward acct number to pay a utility bill, which didn't work. According to the wiki I can not transfer points to an airline, or pay down another Citi card. Every option i try online just loops back to the citi home page/acct summary.
Gift cards my only option?
Transfer to a new card?
And my points don't disappear for 30 days, correct?
Are they cancelling other people too? (Never had anyone cancel an acct before)
I don't have a Citi checking account, or a Citi branch anywhere near me.
I tried generating a reward acct number to pay a utility bill, which didn't work. According to the wiki I can not transfer points to an airline, or pay down another Citi card. Every option i try online just loops back to the citi home page/acct summary.
Gift cards my only option?
Transfer to a new card?
And my points don't disappear for 30 days, correct?
Are they cancelling other people too? (Never had anyone cancel an acct before)
Nov 14, 2015, 9:05 pm
#168
Join Date: Nov 2009
Posts: 1,058
Confused about TYP Expiration, Combining Accounts and Closing Cards
I just got off the phone with the Citi TYP rep, but some stuff doesn't seem right.
Right now, I have the Citi Forward, Premier and Prestige. Foward TYP expires after 5 years, Premier and Prestige does not. Right now, each card has its own separate pool of TYP.
If I combine all the TYP into a single account, the Citi rep tells me that even though they are in the same account, the TYP are not the same. So TYP earned from the Forward will still expire after 5 years. Also, they tell me if I close the Prestige, then the points earned from Prestige will expire after 60 days.
This seems inconsistent with the blogs that say you can combine all TYP into the Prestige account and get the benefits of TYP not expiring and the 1.6/1.33 rates for AA/other airlines.
Could someone please enlighten me on how combining TYP work? Basically, what I want is to have a "perpetual" TYP account, as I churn through Citi TY credit cards, without any points expiring.
Do individual TYP keep the "characteristics" of the card from which they were earned? Does that mean that Forward TYP cannot be used to redeem for 1.6 at AA flights even if I combine my Forward TYP with my Prestige TYP?
Right now, I have the Citi Forward, Premier and Prestige. Foward TYP expires after 5 years, Premier and Prestige does not. Right now, each card has its own separate pool of TYP.
If I combine all the TYP into a single account, the Citi rep tells me that even though they are in the same account, the TYP are not the same. So TYP earned from the Forward will still expire after 5 years. Also, they tell me if I close the Prestige, then the points earned from Prestige will expire after 60 days.
This seems inconsistent with the blogs that say you can combine all TYP into the Prestige account and get the benefits of TYP not expiring and the 1.6/1.33 rates for AA/other airlines.
Could someone please enlighten me on how combining TYP work? Basically, what I want is to have a "perpetual" TYP account, as I churn through Citi TY credit cards, without any points expiring.
Do individual TYP keep the "characteristics" of the card from which they were earned? Does that mean that Forward TYP cannot be used to redeem for 1.6 at AA flights even if I combine my Forward TYP with my Prestige TYP?
Nov 15, 2015, 5:46 am
#169
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
I will suggest you to HUACA.
However, in light of Citi's webste:
I am inclined to believe what you heard is true.
However, in light of Citi's webste:
The expiration status of your ThankYou Points appears in your online ThankYou Points Summary at www.thankyou.com under My Account. ThankYou Points are subject to expiration as disclosed in your Citi Account materials or in ThankYou Rewards promotional materials, unless ThankYou Rewards is terminated. Please refer to your Citi ThankYou Rewards or Citi Account Terms and Conditions for additional information. ThankYou Rewards may be revised or terminated upon 30 days written notice.
Any revisions may affect your ability to use the ThankYou Points you have already accumulated. In the event the ThankYou Rewards Program is terminated by us, you will have 90 days from the termination date to redeem all of your accumulated points.
Any revisions may affect your ability to use the ThankYou Points you have already accumulated. In the event the ThankYou Rewards Program is terminated by us, you will have 90 days from the termination date to redeem all of your accumulated points.
Nov 15, 2015, 7:55 am
#170
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Merging ThankYou Rewards accounts will change the redemption value of the points to match the value of the highest linked card, but merging does not change the expiration dates. Citi continues to track the source of all the points in your ThankYou Rewards account and applies the expiration policy specified in the terms of each individual source account.
As recently as 2014 it was clear that if you cancelled a card or bank account the points earned by that specific account would expire in 60 days, even if they did not otherwise have an expiration date. Sometime in 2015 Citi changed the wording of the ThankYou Rewards terms, removed the 60 day policy, and replaced it with an instruction to read the printed terms which were mailed when each source account was opened.
The fact that one CSR recited the old 60 day expiration policy is not conclusive. Points may, or may not, expire 60 days after closing. We need to ask CSR's to show us exactly where that policy is still published. Meanwhile, the safest course is to keep all of your points in separate ThankYou accounts or to redeem all of your points before closing any account.
As recently as 2014 it was clear that if you cancelled a card or bank account the points earned by that specific account would expire in 60 days, even if they did not otherwise have an expiration date. Sometime in 2015 Citi changed the wording of the ThankYou Rewards terms, removed the 60 day policy, and replaced it with an instruction to read the printed terms which were mailed when each source account was opened.
The fact that one CSR recited the old 60 day expiration policy is not conclusive. Points may, or may not, expire 60 days after closing. We need to ask CSR's to show us exactly where that policy is still published. Meanwhile, the safest course is to keep all of your points in separate ThankYou accounts or to redeem all of your points before closing any account.
Nov 15, 2015, 12:25 pm
#171
Join Date: Sep 2015
Programs: Paying student debt and traveling when i can
Posts: 312
its gets even more confusing when you've combined TYP accounts and want to redeem rewards. In the example above, if the forward points were combined with the prestige to get better redemption, how could you ensure that you use the forward points first??
Nov 15, 2015, 2:15 pm
#172
Join Date: Apr 2005
Location: NYC
Posts: 1,756
when you redeem, points with earlier expiration dates are used first.
Nov 15, 2015, 4:08 pm
#173
Join Date: Sep 2015
Programs: Paying student debt and traveling when i can
Posts: 312
but what if you have a preferred account and prestige and combine them. what point will be used first? (assuming that you plan to cancel the preferred before 1yr AF hits and that they would expire 30d after you cancel)
Nov 16, 2015, 10:24 am
#175
Join Date: Sep 2015
Programs: Paying student debt and traveling when i can
Posts: 312
it is still unclear to me.
I have two Citi TY accounts. one for prestige one for premier. I will combine my premier with my prestige to get my 1.6 redemption for AA flights. Additionally, I plan on canceling my premier citi account (But have not yet done that!). Before canceling my account and after I've combined with TY Prestige, how can I make sure I'm using the premier generated points first so that when I do cancel it, I'll ensure I've used up my 50k signing bonus points? I won't cancel the prestige account, so don't want to use those pts right now.
I have two Citi TY accounts. one for prestige one for premier. I will combine my premier with my prestige to get my 1.6 redemption for AA flights. Additionally, I plan on canceling my premier citi account (But have not yet done that!). Before canceling my account and after I've combined with TY Prestige, how can I make sure I'm using the premier generated points first so that when I do cancel it, I'll ensure I've used up my 50k signing bonus points? I won't cancel the prestige account, so don't want to use those pts right now.
Nov 16, 2015, 11:59 am
#176
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Variants of this question are asked repeatedly, and there does not seem to be a definitive answer. We know that points are redeemed based on expiration date. If none of the points have an expiration date we do not know if Citi's system redeems based on the date the points were earned, or the age of the card account, or randomly. We need reports from people who have actually tried it.
Nov 16, 2015, 4:45 pm
#177
Join Date: Sep 2015
Programs: Paying student debt and traveling when i can
Posts: 312
Variants of this question are asked repeatedly, and there does not seem to be a definitive answer. We know that points are redeemed based on expiration date. If none of the points have an expiration date we do not know if Citi's system redeems based on the date the points were earned, or the age of the card account, or randomly. We need reports from people who have actually tried it.
Nov 16, 2015, 9:54 pm
#178
Join Date: Jun 2010
Location: NYC
Posts: 151
I cancelled my prestige card 59 days ago, however forgot to combine the points with my premier points, so they disappeared. I was told by the messages with Citi CSR i had 60 days to transfer, but needed to be done over the phone
I am on the phone now, but the agent is insisting since they are expiring in less than 60 days i cannot transfer to airline, or to another member, rather i need to redeem them for gift card or statement credit.
does this make sense? i am very confused
I am on the phone now, but the agent is insisting since they are expiring in less than 60 days i cannot transfer to airline, or to another member, rather i need to redeem them for gift card or statement credit.
does this make sense? i am very confused
Nov 17, 2015, 8:15 am
#179
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
As recently as 2014 it was clear that if you cancelled a card or bank account the points earned by that specific account would expire in 60 days, even if they did not otherwise have an expiration date. Sometime in 2015 Citi changed the wording of the ThankYou Rewards terms, removed the 60 day policy, and replaced it with an instruction to read the printed terms which were mailed when each source account was opened.
The fact that one CSR recited the old 60 day expiration policy is not conclusive. Points may, or may not, expire 60 days after closing. We need to ask CSR's to show us exactly where that policy is still published. Meanwhile, the safest course is to keep all of your points in separate ThankYou accounts or to redeem all of your points before closing any account.
The fact that one CSR recited the old 60 day expiration policy is not conclusive. Points may, or may not, expire 60 days after closing. We need to ask CSR's to show us exactly where that policy is still published. Meanwhile, the safest course is to keep all of your points in separate ThankYou accounts or to redeem all of your points before closing any account.
LOSS OR SUSPENSION OF POINTS
This section tells you when you may not be able to use Points that you've already earned or received.
You Close Your Citi Account. If you have Points, and you voluntarily close your Citi Account, you must use your Points within 60 days after closing your accounts, or you'll lose them.
We Close Your Citi Account. If you have Points, and we close your Citi Account for any reason other than inactivity, you'll lose your Points immediately. If we close your account solely due to inactivity, you'll have 60 days from the closure date to use your Points, or you'll lose them.
TIP:
If you have multiple Citi Accounts associated with only one ThankYou Account at the time one of your Citi Accounts is closed, you'll lose only the Points that you earned with the closed Citi Account.
This section tells you when you may not be able to use Points that you've already earned or received.
You Close Your Citi Account. If you have Points, and you voluntarily close your Citi Account, you must use your Points within 60 days after closing your accounts, or you'll lose them.
We Close Your Citi Account. If you have Points, and we close your Citi Account for any reason other than inactivity, you'll lose your Points immediately. If we close your account solely due to inactivity, you'll have 60 days from the closure date to use your Points, or you'll lose them.
TIP:
If you have multiple Citi Accounts associated with only one ThankYou Account at the time one of your Citi Accounts is closed, you'll lose only the Points that you earned with the closed Citi Account.
Nov 17, 2015, 2:35 pm
#180
Join Date: Sep 2015
Programs: Paying student debt and traveling when i can
Posts: 312
instead of closing an account, if I switch the account from premier to preferred (but still have a prestige), do you think I'd be ok? (i.e., my premier points wouldn't expire). this is assuming citi would let me change the card from premier to something else.