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)
#646
Join Date: Nov 2006
Programs: AA MM PP, MR LT Plat, Globalist
Posts: 1,002
Full AF refund for Prestige if canceled within 60 days - says Citi rep
I secure messaged Citi and the account specialist said:
If it is greater than 60 days since the Annual Fee was billed, then you will not receive a refund.
If it is equal to or fewer than 60 days, then you will receive a full refund of the $450.00 membership fee.
I thought the deadline for AF refund was 37 days after AF billed date. And anything beyond that was a prorated AF refund?
I was hoping to use my flight credit benefit again, but that appears unworkable since my statement closes Jan 3. On Jan 4, I will be exactly 60 days from when my AF was billed.
Any suggestions?
If it is greater than 60 days since the Annual Fee was billed, then you will not receive a refund.
If it is equal to or fewer than 60 days, then you will receive a full refund of the $450.00 membership fee.
I thought the deadline for AF refund was 37 days after AF billed date. And anything beyond that was a prorated AF refund?
I was hoping to use my flight credit benefit again, but that appears unworkable since my statement closes Jan 3. On Jan 4, I will be exactly 60 days from when my AF was billed.
Any suggestions?
#647
Join Date: Jan 2013
Programs: Hyatt Glb, MR Plat
Posts: 2,577
Can Citi points still be shared from a Preferred account? (Downgraded from a Premier)
#648
Join Date: Jan 2013
Programs: Hyatt Glb, MR Plat
Posts: 2,577
I secure messaged Citi and the account specialist said:
If it is greater than 60 days since the Annual Fee was billed, then you will not receive a refund.
If it is equal to or fewer than 60 days, then you will receive a full refund of the $450.00 membership fee.
I thought the deadline for AF refund was 37 days after AF billed date. And anything beyond that was a prorated AF refund?
I was hoping to use my flight credit benefit again, but that appears unworkable since my statement closes Jan 3. On Jan 4, I will be exactly 60 days from when my AF was billed.
Any suggestions?
If it is greater than 60 days since the Annual Fee was billed, then you will not receive a refund.
If it is equal to or fewer than 60 days, then you will receive a full refund of the $450.00 membership fee.
I thought the deadline for AF refund was 37 days after AF billed date. And anything beyond that was a prorated AF refund?
I was hoping to use my flight credit benefit again, but that appears unworkable since my statement closes Jan 3. On Jan 4, I will be exactly 60 days from when my AF was billed.
Any suggestions?
#649
Join Date: Feb 2015
Posts: 102
Does a new number due to fraud reset the 24-month clock?
I'm trying to decide if I should apply for the Citi Premier. I got the card a few years ago and then downgraded from the Premier to the no-fee preferred a little over a year ago.
My account number did not change as a result of that product change.
About 3-4 months ago, my account number was compromised so Citi closed that account and sent me a new card with a new number.
Does that reset the 24-month clock of "opening / closing" an account re: sign up bonus?
My account number did not change as a result of that product change.
About 3-4 months ago, my account number was compromised so Citi closed that account and sent me a new card with a new number.
Does that reset the 24-month clock of "opening / closing" an account re: sign up bonus?
#650
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
A new card number does not necessarily mean that a new account has been created.
#651
One thing I've noticed with the Citi TY travel portal is that, the flight bookings are refundable. I'm not sure if this is just me, or this is very common. This is the 2nd time I used TY travel portal and both times they are refundable. I had to cancel the first flight due to travel change. This time it is again an international travel and I do not know the exact travel time yet.
The TY points are comparable with AA miles. About 38,000 points for trip from Shanghai to Bahamas....
If this is the trend, I may want to earn TY points and book at Citi. This is better than transferring to OneWorld.
The TY points are comparable with AA miles. About 38,000 points for trip from Shanghai to Bahamas....
If this is the trend, I may want to earn TY points and book at Citi. This is better than transferring to OneWorld.
#652
Join Date: Sep 2011
Programs: Virgin Atlantic Silver, IHG Diamond, Bonvoy Gold, Hilton Diamond, AA Platinum Pro
Posts: 1,386
One thing I've noticed with the Citi TY travel portal is that, the flight bookings are refundable. I'm not sure if this is just me, or this is very common. This is the 2nd time I used TY travel portal and both times they are refundable. I had to cancel the first flight due to travel change. This time it is again an international travel and I do not know the exact travel time yet.
The TY points are comparable with AA miles. About 38,000 points for trip from Shanghai to Bahamas....
If this is the trend, I may want to earn TY points and book at Citi. This is better than transferring to OneWorld.
The TY points are comparable with AA miles. About 38,000 points for trip from Shanghai to Bahamas....
If this is the trend, I may want to earn TY points and book at Citi. This is better than transferring to OneWorld.
#654
Join Date: Sep 2011
Programs: Virgin Atlantic Silver, IHG Diamond, Bonvoy Gold, Hilton Diamond, AA Platinum Pro
Posts: 1,386
#655
Can someone explain and add to Wiki the differences of the TY points in various Citi accounts? I see they are all different.
TY in Citi credit card accounts
TY in Citi banking accounts
TY in Citi Personal Wealth Management (investment) accounts
If I have all the above accounts, then I'll keep three different TY accounts and I can't combine them?
TY in Citi credit card accounts
TY in Citi banking accounts
TY in Citi Personal Wealth Management (investment) accounts
If I have all the above accounts, then I'll keep three different TY accounts and I can't combine them?
#656
Join Date: May 2006
Location: ORD
Posts: 35
I'm trying to decide if I should apply for the Citi Premier. I got the card a few years ago and then downgraded from the Premier to the no-fee preferred a little over a year ago.
My account number did not change as a result of that product change.
About 3-4 months ago, my account number was compromised so Citi closed that account and sent me a new card with a new number.
Does that reset the 24-month clock of "opening / closing" an account re: sign up bonus?
My account number did not change as a result of that product change.
About 3-4 months ago, my account number was compromised so Citi closed that account and sent me a new card with a new number.
Does that reset the 24-month clock of "opening / closing" an account re: sign up bonus?
#657
Noob question.
Get both credit card TY (Pemier) and bank TY accounts. I know CC TY account can transfer to partners, but bank TY account probably can't. Can I combine bank TY account with CC TY account? Or better to keep them separate?
Get both credit card TY (Pemier) and bank TY accounts. I know CC TY account can transfer to partners, but bank TY account probably can't. Can I combine bank TY account with CC TY account? Or better to keep them separate?
#658
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
Yes, but Citi still tracks the source of the points, and they do not become transferable when combined. When you do redeem the points earned through banking Citi will note the monetary value of the redemption and send a 1099 if required.
#659
So better keep them separate them. As one of the largest banks in US, Citi TY system still lags behind AmEx MR and Chase UR.
#660
Join Date: Jan 2013
Programs: Hyatt Glb, MR Plat
Posts: 2,577
I'm trying to decide if I should apply for the Citi Premier. I got the card a few years ago and then downgraded from the Premier to the no-fee preferred a little over a year ago.
My account number did not change as a result of that product change.
About 3-4 months ago, my account number was compromised so Citi closed that account and sent me a new card with a new number.
Does that reset the 24-month clock of "opening / closing" an account re: sign up bonus?
My account number did not change as a result of that product change.
About 3-4 months ago, my account number was compromised so Citi closed that account and sent me a new card with a new number.
Does that reset the 24-month clock of "opening / closing" an account re: sign up bonus?