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)
Jan 18, 2018, 8:15 am
#571
Join Date: Jan 2005
Location: San Diego US and Brisbane AU
Programs: AA EXP/2MM - DL PM - OZ Diamond - Bonvoy LTT - Hyatt Glob - IHG Plat - National EE - Sixt Platinum
Posts: 1,315
I recently downgraded my Premier card to a Preferred since I didn't need the benefits of that card anymore. I also have a Prestige card.
Any ideas on which points are used first in a redemption, when both don't have expiration dates? I don't envision getting rid of the Prestige anytime soon since it's my primary travel card, but would prefer to use up the points associated with the Preferred card first on my next redemption.
Thanks in advance!
Any ideas on which points are used first in a redemption, when both don't have expiration dates? I don't envision getting rid of the Prestige anytime soon since it's my primary travel card, but would prefer to use up the points associated with the Preferred card first on my next redemption.
Thanks in advance!
Jan 29, 2018, 9:03 pm
#572
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,980
DP: Downgraded from Prestige to Preferred, account number, expiration date and CVV didn't change. Thankyou portal still shows Prestige name, but the bank site shows new Preferred name. I have total of 4 Preferred cards right now. 2 I got myself for signup bonuses (MC, Visa), one converted from Prestige, one converted from Forward.
Jan 30, 2018, 4:13 am
#573
Join Date: Jul 2008
Programs: *A
Posts: 1,390
Did you ask if the account number would change?
Feb 2, 2018, 4:32 pm
#574
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,980
Feb 3, 2018, 9:35 pm
#575
Join Date: Aug 2009
Posts: 166
Cancel or apply for 2nd first
My Citi Thank you Premier card is up for annual fee. I really don’t need the card anymore so should I just cancel it or apply for a new Premier card to get points, then cancel my first card? Can you have two of the same exact cards?
Feb 4, 2018, 6:38 pm
#576
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
You haven't explained how long you've had the card. You can't get a bonus for a new Premier card if you've opened, closed, or product converted a Preferred, Permier, or Prestiga card in the previous 24 months. (And there are tales of woe of Citi also counting AT&T Access openings/closings in the previous 24 months, even though T&Cs don't say so!
)So the Citi restrictions are not about having two of the same card, but precise timing of what you've done with previous cards in the same group. If you cancel or downgrade, you then start a new 24-month clock before you get another bonus on another Citi TYP card!
So you have to wait until you've had the card for 24+ months, then apply for the new card first, and only if you're approved and told you qualify for the bonus, only then cancel or downgrade the previous card. (Only if you cancel/downgrade right after getting approved for the new card and new bonus, does your 24-month clock from last close end up almost the same as 24 months from last open.)
Feb 4, 2018, 9:42 pm
#577
Join Date: Aug 2009
Posts: 166
If you cancel it, all points on it will go "poof" 60 days later. Are you OK with that? If not, you can downgrade to the no-AF Preferred, that'll keep the points alive, and then once you have another card that can transfer, you'll be ablt to transfer them. BUT:
You haven't explained how long you've had the card. You can't get a bonus for a new Premier card if you've opened, closed, or product converted a Preferred, Permier, or Prestiga card in the previous 24 months. (And there are tales of woe of Citi also counting AT&T Access openings/closings in the previous 24 months, even though T&Cs don't say so!)
So the Citi restrictions are not about having two of the same card, but precise timing of what you've done with previous cards in the same group. If you cancel or downgrade, you then start a new 24-month clock before you get another bonus on another Citi TYP card!
So you have to wait until you've had the card for 24+ months, then apply for the new card first, and only if you're approved and told you qualify for the bonus, only then cancel or downgrade the previous card. (Only if you cancel/downgrade right after getting approved for the new card and new bonus, does your 24-month clock from last close end up almost the same as 24 months from last open.)
You haven't explained how long you've had the card. You can't get a bonus for a new Premier card if you've opened, closed, or product converted a Preferred, Permier, or Prestiga card in the previous 24 months. (And there are tales of woe of Citi also counting AT&T Access openings/closings in the previous 24 months, even though T&Cs don't say so!
)So the Citi restrictions are not about having two of the same card, but precise timing of what you've done with previous cards in the same group. If you cancel or downgrade, you then start a new 24-month clock before you get another bonus on another Citi TYP card!
So you have to wait until you've had the card for 24+ months, then apply for the new card first, and only if you're approved and told you qualify for the bonus, only then cancel or downgrade the previous card. (Only if you cancel/downgrade right after getting approved for the new card and new bonus, does your 24-month clock from last close end up almost the same as 24 months from last open.)
Feb 5, 2018, 6:32 am
#578
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Feb 5, 2018, 9:41 am
#579
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
Ie, Citi TYP points do not work like Chase UR points or Amex MR points, it's not enough to hold on to one transferable card, you have to keep all accounts open with which you still have untransferred / unused points. The one loophole that helps is that points earned with a Premier or Prestige card that you product change to the no-fee Preferred card continue to not expire.
WIth Chase UR and Amex UR, you can apply, get points, cancel, keep the points, apply get more points, cancel, keep all those points, as long as you keep one card open.
But it doesn't work that way with Citi TYP. Every card you apply for, it's point evaporate 60 days after you cancel that card, no matter what other TYP cards you have,, no matter how you moved those points around between cards.
So you understand that and be sure it won't affect you adversely before you consider whether to cancel a Citi TYP card.
Feb 20, 2018, 1:35 pm
#580
Join Date: Nov 2006
Programs: AA MM PP, MR LT Plat, Globalist
Posts: 1,004
Can you downgrade to the Preferred card if you already have one?
I planned to downgrade my Prestige sometime in the future to avoid resetting my 24 month clock. - Is that still possible now that Citi has issued me a new Preferred card? (to replace my Forward card)
More generally, is it always possible to get multiple Citi cards as long as you follow the 24 month rule between applications?
More generally, is it always possible to get multiple Citi cards as long as you follow the 24 month rule between applications?
Feb 20, 2018, 5:29 pm
#581
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
As far we know, all product changes that involve getting a new 16-digit card number, even if converting from Prestige or Premier or Forward to Preferred, reset the 24-month clock. So unless somehow you know for sure that you'll keep the same card account number (and don't trust the random phone agent to tell you that correctly!), you can't avoid resetting a 24-month clock by doing a product change.
And there are certainly datapoints of people product converting from one TYP MC card to another TYP MC card and being given a new credit card number in the process. So there's no reason to assume a TYP->TYP product conversion will avoid having a new credit card number issues, and thus no reason to assume a TYP->TYP product conversion will avoid resetting your 24-month clock.
Last edited by sdsearch; Feb 20, 2018 at 5:36 pm
Feb 20, 2018, 5:38 pm
#582
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Feb 21, 2018, 1:07 pm
#583
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
Feb 21, 2018, 3:46 pm
#584
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,980
Feb 21, 2018, 7:24 pm
#585
Join Date: Nov 2006
Programs: AA MM PP, MR LT Plat, Globalist
Posts: 1,004
(at least that I'm aware of, all Citi forwards were visas and we got new mastercard numbers.)
sdsearch, I understand there's risk that downgrading Prestige->Preferred resets the 24-month clock. But my philosophy in life is that if there's 80% chance of success go for it. Seems like there's a good chance we won't reset clocks by making TYP card -> TYP card conversion. Please correct me if I'm wrong.
sdsearch, I understand there's risk that downgrading Prestige->Preferred resets the 24-month clock. But my philosophy in life is that if there's 80% chance of success go for it. Seems like there's a good chance we won't reset clocks by making TYP card -> TYP card conversion. Please correct me if I'm wrong.