How to Earn 100k+ Citi ThankYou Points [in 90 Days]

Full Disclosure: We may be financially compensated when you click on links to credit card products from our advertising partners, such as American Express, Chase, Citi & Capital One. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure for more details. Thanks!

The Citi ThankYou Points program lets members earn points toward travel when making purchases with any of the 3 Citi ThankYou Points credit cards: the Citi Prestige® Card, the Citi ThankYou® Premier Card, and the Citi ThankYou® Preferred Card.

(For more information on Citi’s cards, read our guide on the best Citi credit cards where we compare their perks and benefits.)

Of course, the more ThankYou Points you earn, the better your redemption options will be. So, let’s talk about how you can earn 100,000 ThankYou Points in just 90 days!

Make sure you take a look at our complete guide to earning ThankYou Points for more ways to earn tons of points!

Why Would You Want to Earn 100k ThankYou Points?

Earning 100,000 ThankYou Points is within your grasp but what would you do with all those points once you earned them? Fortunately, there are plenty of ways to redeem ThankYou Points for maximum value!

Let’s start with the fact that there are over a dozen airline partners that allow you to make direct transfers to their loyalty programs. You can also redeem ThankYou Points for flights booked through the Citi Travel Center but be aware that this is not the best way to redeem those hard-earned points.

Citi ThankYou Flying Blue Caribbean
Fly to the Caribbean when you transfer your points to Air France/KLM’s Flying Blue!

You can also shop with points at places like and or use your points for purchases from other travel and retail partners, but those are terrible uses of your points.

Travel is the by far a more valuable option. More specifically, transferring points to one of the Citi ThankYou Points airline partners is the best option.

1. Apply for Citi ThankYou Points Credit Cards

Depending on the Citi card, you may qualify to earn bonus points just for signing up.

Previous sign-up bonuses between 15,000 and 75,000 points were given after cardholders met the minimum spend requirement within their first 3 months of having the card. Often this requirement was to spend between $3,000 and $4,000.

The Citi ThankYou Points cards are listed in the table below:

Keep in mind that you are not eligible for the sign-up bonus from a Citi ThankYou Points card if you have opened or closed any of these 3 cards in the last 24 months. It can take up to 8 weeks for bonus points to be added to your balance once they’ve been earned.

2. Maximize Bonus Categories to Boost Your Earning

The quickest way to earn points steadily is by using the credit cards to make purchases on a regular basis. The minimum number of points you will earn for purchases is 1X point per dollar. Each card also has bonus categories like dining, entertainment, etc. that can earn anywhere from 1 – 5X points per dollar.

Here’s a breakdown of the bonus categories for each card:

Citi Prestige® CardCiti ThankYou® Premier CardCiti ThankYou® Preferred Card
Entertainment2x (1x from 9/1/19)2x2x
Gas Stations1x3x1x
Car Rental Agencies1x3x1x
Public Transportation1x3x1x
Uber, Lyft, & Taxis1x3x1x
Train Tickets1x3x1x

The Citi Prestige® Card has several bonus categories, and it also offers great perks such as a Priority Pass membership and an annual $250 airfare credit. This card is definitely the one for you if you want to earn ThankYou Points and want perks from a high-end credit card.

The Citi ThankYou® Premier Card really excels with its broad travel bonus category. Unlike the vast majority of travel rewards cards, it earns 3X points per dollar at gas stations!

And best of all, as long as your account is current, your points will never expire!

3. Citibank Banking Products and Services

Citi ThankYou Citi Banking
Earn extra points when you connect Citibank products and services to your Citi ThankYou account.

Do you have a Citibank consumer checking account? If so, listen to this!

You can earn points for products and services you link to the account if you set up a minimum of 1 direct deposit and 1 bill pay per statement cycle.

Citi Private Bank, Citi Priority, and Citi Gold customers who don’t meet the requirement can still earn points by making a credit or debit transaction during the month.

What products and services can earn you more points? The list includes Home Equity Line/Loan, Savings/Money Market, Custom Credit Line, and more!

Using Those 100k+ Citi ThankYou Points

With these strategies, you’ll accumulate lots of Citi ThankYou Points. Now, don’t let them sit in your account when you can do so much with them!

Our guide to using Citi ThankYou Points has tons of ideas for using your points. For instance:

Fly to Europe: For 76,000 Singapore Airlines KrisFlyer miles, you can try one of the best first class products in the sky: Singapore Suites from New York City (JFK) to Frankfurt (FRA)! If you can’t find award space on the outbound flight, give it a try on the return flight.

Visit Vancouver: Fly first class on Cathay Pacific from New York City (JFK) to Vancouver for 70,000 miles round-trip.

Head to the Caribbean: Save miles for more flights when you spend just 15,000 miles to fly one-way to the Caribbean by using Air France/KLM Flying Blue miles to fly on Delta.

Check out our simple guide to transferring ThankYou Points to airline partners.

Bottom Line: Do you still have more questions? Check out this post containing 27 FAQs about Citi ThankYou points to get your answers.

Final Thoughts

It’s time to start earning ThankYou Points. With the Citi Prestige® Card, Citi ThankYou® Premier Card, or Citi ThankYou® Preferred Card in your hand, you can’t go wrong!

Before you know it, you’ll have 100,000 points in hand, and you’ll be booking an awesome adventure!


What are Citi ThankYou Points?

You can earn Citi ThankYou Points by making purchases with the Citi Prestige® Card, Citi ThankYou® Premier Card, and Citi ThankYou® Preferred Card.

Then you’ll be ready to redeem your points for travel through the Citi Travel Center (at 1.25 cents per point, reduced to 1 cent per point from 9/1/19) or transfer points to airline partners at a 1:1 ratio.

When do Citi ThankYou Points post to your account?

Citi ThankYou Points post to your account at the end of each monthly billing cycle.

Do Citi ThankYou Points expire?

Citi ThankYou Points do not expire as long as you have an open Citi Prestige® Card, Citi ThankYou® Premier Card, or Citi ThankYou® Preferred Card. If your accounts are closed, you have 30 days to use your points before they expire.

How can you earn more Citi ThankYou Points?

Earn more points with sign-up bonus offers. Also, make purchases with the Prestige® Card, Citi ThankYou® Premier Card, or Citi ThankYou® Preferred Card in the bonus earnings categories.

Can Citi ThankYou Points be combined?

Yes, you may combine points earned with all your Citi ThankYou Points cards.

Jennifer Koebele

About Jennifer Koebele

Jennifer ("Jen") is a self-proclaimed travel geek. Her favorite spot to relax is the beautiful resort town of Interlaken, Switzerland, which she first visited as a toddler. The Alpine city of Annecy, France is a close second. There's nothing Jen loves more than discovering (and writing about) how to find a good bargain.


Chase Freedom Unlimited®

Here are the top 5 reasons to have this card in your wallet, where you can earn 3% cash back on all purchases in your first year up to $20,000 spent.

Plus – you can convert your cash back to points if you also have the Chase Sapphire Preferred® Card!

  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Hi, have a quick question if I have a citi thank you account and would like to transfer points to someone else who doesn’t have any citi credit card or checking account, is it possible that person can still register a thank you account and I can then use points sharing to send to them ?

    • Stephen Au · May 27, 2019 · Reply

      Hey Amy,

      Unfortunately, the other person will need to have a Citi ThankYou account, checking account, or credit card in order to be eligbile for points sharing. Thanks for reading.

Any thoughts or questions? Comment below!

Email needed if you'd like comment updates. It will NOT be published.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers, see here.