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)
Jul 11, 2016, 1:34 pm
#256
Join Date: Aug 2010
Location: California
Programs: American, SWA, United, IHG,Hilton, Hyatt, Marriott
Posts: 1,843
Keeping ThankYou Points from expiring after closing Premiere Card
I currently have a ThankYou Premiere Card and I no long wish to pay the annual fee but I have leftover ThankYou points and would like to keep them. I was told if I cancel the card I will have 60 days to redeem them before they expire. Even if i was to combine them with the Checking ThankYou points they will expire.
I was only given the option to downgrade to the Citi Preferred card in order to keep the points from expiring.
I was wondering instead of downgrading can I apply for a new Preferred card get the sign up bonus and also transfer the Premiere points over to the Preferred card without the points expiring in 60 days? This way I can earn a bonus and keep the points from expiring.
I was only given the option to downgrade to the Citi Preferred card in order to keep the points from expiring.
I was wondering instead of downgrading can I apply for a new Preferred card get the sign up bonus and also transfer the Premiere points over to the Preferred card without the points expiring in 60 days? This way I can earn a bonus and keep the points from expiring.
Jul 12, 2016, 10:05 pm
#257
Join Date: Nov 2012
Location: East Coast US
Programs: Free Agent
Posts: 192
...
I was only given the option to downgrade to the Citi Preferred card in order to keep the points from expiring.
I was wondering instead of downgrading can I apply for a new Preferred card get the sign up bonus and also transfer the Premiere points over to the Preferred card without the points expiring in 60 days? This way I can earn a bonus and keep the points from expiring.
I was only given the option to downgrade to the Citi Preferred card in order to keep the points from expiring.
I was wondering instead of downgrading can I apply for a new Preferred card get the sign up bonus and also transfer the Premiere points over to the Preferred card without the points expiring in 60 days? This way I can earn a bonus and keep the points from expiring.
Jul 12, 2016, 10:41 pm
#258
Join Date: Aug 2010
Location: California
Programs: American, SWA, United, IHG,Hilton, Hyatt, Marriott
Posts: 1,843
No, the points from the closed Premier will still expire in 60 days even if transferred to or combined with any other TY sponsor account, including any new Preferred account. Those points can only be kept from expiring by (1) continuing to hold the same Premier card and paying the annual fee, perhaps asking for a retention offer to help offset the fee, or (2) downgrading the Premier to a Preferred card, as downgrading seems to maintain the underlying TY sponsor account and therefore the points don't expire until closure of the downgraded Preferred card. Of course, this downgrade probably means no ability to sign up and get a bonus for either a Premier or a Preferred for 24 months under Citi's current application policies, since the Premier was just closed and the Preferred was just opened.
Jul 19, 2016, 6:26 pm
#259
Join Date: Nov 2009
Posts: 519
My TY premier card AF is due soon and thinking to close it but a couple of question before I close it, 1. If downgrade to no fee card I can retain points but can I transfer to airline program later? 2. Which airline transfer would be best for travelling to southeast asia from midwest?
Jul 19, 2016, 6:32 pm
#260
Join Date: Feb 2003
Location: On strike
Posts: 8,135
Jul 28, 2016, 5:00 pm
#261
Join Date: Jul 2013
Location: San Francisco, CA
Programs: Delta Gold, UA Gold, Marriott Titanium, Hilton Diamond, IHG Platinum
Posts: 275
ThankYou account still shows cancelled Premier card
In anticipation of my annual fee coming on the Premier card, I combined all my TY points from that Premier account and Gold checking account into my sponsor Prestige account.
One week later, cancelled the Premier card and the Gold checking account.
Seven weeks later, my ThankYou account still shows that Premier card active and no expiration date on those points. BUT... the 900 points from the checking account show a 12/31/2019 expiration date.
Has anyone experienced this? Does it take some time for the ThankYou account to realize a Citi card has been cancelled? Did I just jinx myself?!?
One week later, cancelled the Premier card and the Gold checking account.
Seven weeks later, my ThankYou account still shows that Premier card active and no expiration date on those points. BUT... the 900 points from the checking account show a 12/31/2019 expiration date.
Has anyone experienced this? Does it take some time for the ThankYou account to realize a Citi card has been cancelled? Did I just jinx myself?!?
Jul 28, 2016, 7:14 pm
#262
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
In anticipation of my annual fee coming on the Premier card, I combined all my TY points from that Premier account and Gold checking account into my sponsor Prestige account.
One week later, cancelled the Premier card and the Gold checking account.
Seven weeks later, my ThankYou account still shows that Premier card active and no expiration date on those points. BUT... the 900 points from the checking account show a 12/31/2019 expiration date.
Has anyone experienced this? Does it take some time for the ThankYou account to realize a Citi card has been cancelled? Did I just jinx myself?!?
One week later, cancelled the Premier card and the Gold checking account.
Seven weeks later, my ThankYou account still shows that Premier card active and no expiration date on those points. BUT... the 900 points from the checking account show a 12/31/2019 expiration date.
Has anyone experienced this? Does it take some time for the ThankYou account to realize a Citi card has been cancelled? Did I just jinx myself?!?
There are 7 days in a week. Divide 60/7 and you'll realize that 60 days is 8.57 weeks.
So your points from the Premier are still active but only for about a week more!
So you better use them quick before they go "poof" in about a week.
Jul 28, 2016, 7:40 pm
#263
Join Date: Feb 2003
Location: On strike
Posts: 8,135
Correct. As stated at the end of the wiki, "Note: The totals displayed will not include points expiring within 60 days as a result of closing a sponsor account."
Jul 29, 2016, 1:49 pm
#264
Join Date: Jul 2013
Location: San Francisco, CA
Programs: Delta Gold, UA Gold, Marriott Titanium, Hilton Diamond, IHG Platinum
Posts: 275
My confusion comes from the fact that ThankYou.com still shows the Premier card as being active. Am I completely unclear on the details here? I took a few screen shots for clarity/confirmation:
Jul 30, 2016, 7:31 pm
#265
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Holy cow, seriously? So your ThankYou account never actually accurately shows when the points expire? Reading through this thread, I did learn about this expiration policy, but looking at the details of my ThankYou account, I sure as heck assumed the Premier card would at least show up as being cancelled.
My confusion comes from the fact that ThankYou.com still shows the Premier card as being active. Am I completely unclear on the details here? I took a few screen shots for clarity/confirmation:
My confusion comes from the fact that ThankYou.com still shows the Premier card as being active. Am I completely unclear on the details here? I took a few screen shots for clarity/confirmation:
Which cards are cancelled shows on the main My Accounts page right after you log into your Citi account. Somewhere in the summary for the canceled card it'll say something like "this card has been cancelled".
So are you looking in the right place to see whether it shows as cancelled?
Meanwhile, "never" is not correct. You ThankYou account page sometimes shows expiration accurately, but not in the case of a cancelled sponsor credit card account.
Aug 5, 2016, 2:31 pm
#266
Join Date: Dec 2004
Programs: WN, DL, UA, AA, Hilton, Marriott, IHG
Posts: 1,303
I am wondering what terms points can be redeemed at if you have no open accounts? I.e. you cancel Prestige, your points are active for another 60 days, but under what redemption rules?
(I realize that it would be best to not let it come to that, but due to some life uncertainty, I am just exploring what my options are if I can't use my points before I need to close the card.)
(I realize that it would be best to not let it come to that, but due to some life uncertainty, I am just exploring what my options are if I can't use my points before I need to close the card.)
Aug 5, 2016, 2:48 pm
#267
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
I am wondering what terms points can be redeemed at if you have no open accounts? I.e. you cancel Prestige, your points are active for another 60 days, but under what redemption rules?
(I realize that it would be best to not let it come to that, but due to some life uncertainty, I am just exploring what my options are if I can't use my points before I need to close the card.)
(I realize that it would be best to not let it come to that, but due to some life uncertainty, I am just exploring what my options are if I can't use my points before I need to close the card.)
Aug 5, 2016, 4:13 pm
#268
Join Date: Feb 2003
Location: On strike
Posts: 8,135
Aug 5, 2016, 6:26 pm
#269
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
Aug 7, 2016, 6:08 am
#270
Join Date: Mar 2011
Posts: 6
I am sure this question has been asked before and I so I apologize in advance. My Citi Premier card is also about to expire soon and I want to cancel the card and transfer out the 70k TYP I have earned before doing so. I have the Preferred card as well but if I understand the rules, if I only have a Preferred card I can not then transfer those points to an airline partner.
I am wondering if someone can recommende the best airline partner to transfer to. I mostly travel europe - asia rt and east coast - west coast rt. (I also have several hundred thou UR and MR points.) TPG recommended bunkering the points in singapore krisflyer, but I am unsure. Any recommendations would be greatly appreciated.
I am wondering if someone can recommende the best airline partner to transfer to. I mostly travel europe - asia rt and east coast - west coast rt. (I also have several hundred thou UR and MR points.) TPG recommended bunkering the points in singapore krisflyer, but I am unsure. Any recommendations would be greatly appreciated.