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Clever Yet Simple Strategy: How to Combine Citi ThankYou Points to Boost Their Travel Value

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Clever Yet Simple Strategy: How to Combine Citi ThankYou Points to Boost Their Travel Value

Jasmin BaronClever Yet Simple Strategy: How to Combine Citi ThankYou Points to Boost Their Travel ValueMillion Mile Secrets Team

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INSIDER SECRET:  By combining your Citi ThankYou accounts you’ll get the best perks from each of your cards (like transferring points to airline partners or booking travel at an improved rate) applied to ALL of your eligible points.

If you’ve been at the travel hobby for a while you’ve probably got a few cards in your wallet that earn the same type of rewards.  Being able to combine them in one spot is important if you don’t have enough miles or points in a single account to book an award flight, hotel stay, or other travel.

I recently combined points from my Citi Premier℠ Card and Citi Prestige Card to book five round-trip flights to Hawaii with my family, because I didn’t have enough points in either account individually to book the trip.

Calling Citi ThankYou at 800-842-6596 or the number on the back of your card is the easiest way to do this, but it’s also possible through your online account.  Here’s how to combine your Citi ThankYou accounts online so all your points are in one place:

Transferring Citi ThankYou Points Between Accounts Is a Bit of a Pain Online. Call Citi Instead and Let Them Do the Work for You

Why Combine Your Citi ThankYou Accounts?

The redemption value you get for airfare, hotels, cruises, and car rentals booked through the Citi ThankYou portal will depend on with which credit card your Citi ThankYou points are linked.  For example, folks with the Citi Premier get an improved rate of 1.25 cents per point when they book airfare, hotels, rental cars, and cruises through the Citi ThankYou travel portal.

If you only have the Citi Prestige, you’ll only get the better 1.25 cents rate on airfare (and that’s changing to 1 cent per point on September 1, 2019).  However, this card offers a 4th night free on hotel stays of 4+ nights booked through the Citi Portal, while and the Premier does NOT.

By combining your accounts you’ll be able to access the very best redemption rates and perks with all your Citi ThankYou points, regardless of the linked card.

By Combining My Citi Premier and Citi Prestige ThankYou Accounts, I Can Access a Better Redemption Rate for Hotels With All of My Points

Here’s another example:  Team member Harlan has the Citi Prestige, which allows you to transfer points to airline partners, and the Citi Rewards+℠ Card, which does not.  However, the Citi Rewards+ offers a 10% rebate on the first 100,000 ThankYou points you redeem each year.  Because his accounts are combined, he was able to stack the 10% rebate with a ThankYou points transfer to Qantas.

Harlan Was Able to Stack the Benefits From His Citi Rewards+ and Citi Prestige Card Because His ThankYou Accounts Are Combined

It’s also a lot easier to manage your points balances when they’re pooled in one spot.

How to Combine Your Citi ThankYou Accounts

If you want to combine your Citi ThankYou accounts online, here are the steps to take.  Note that some folks have reported errors if the names on your accounts don’t match exactly, so if that’s the case for you, it’s best to call Citi instead at 800-842-6596.

Step 1:  Sign Into Your Citi Account Online

Log into your Citi ThankYou account at thankyou.com with your username and password.  Then, navigate to “Points Summary” on the pull-down menu in the top right corner.

Find the “Points Summary” Once You’ve Signed Into Your Citi ThankYou Account

Step 2:  Select “Combine My Accounts”

On the left sidebar under “Manage My Account” click on “Combine My Accounts.

Choose the “Combine My Accounts” Option on the Left Side of the Page

Step 3:  Choose the Accounts You Wish to Combine

In this example, I’ve combined my Citi Prestige account and my Citi Premier account by selecting the checkbox next to the Prestige.  Then click “Continue” to confirm.

Select the Accounts You Want to Combine

Step 4:  Verify and Receive Confirmation

You’ll have one last opportunity to verify the change before you submit.  Keep in mind, once your accounts are combined, Citi says it’s difficult to split them up again.

Then you’ll be brought to a screen congratulating you for combining your accounts.

Success! You’ll Receive Verification Your Accounts Have Been Combined

Shortly after, expect an email with the same information.  Going forward, you’ll see your points balances combined and earnings presented in one spot when you access your Citi account.

Bottom Line

Combining your Citi ThankYou accounts is a smart move if you have multiple Citi ThankYou points cards.  By pooling your points in one spot, you’ll be able to access the best perks from your cards with all of your eligible points. That includes transferring to airlines and the improved rate for travel bookings with the Citi Premier, or the 10% rebate on the first 100,000 points you redeem each year with the Citi Rewards+.

The easiest way to do this is by calling Citi ThankYou at 800-842-6596 or the number on the back of your card.  This is especially important if the names on your different accounts don’t match exactly.  But if you prefer to do it yourself online, it’s a fairly straightforward process.

For more tips and tricks with Citi ThankYou points, check out these posts:

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Citi Premier Card

Citi Premier Card

  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 points per $1 spent on travel including gas stations
  • Earn 2 points per $1 spent at restaurants and on entertainment
  • Earn 1 point per $1 spent on all other purchases
  • 50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I am not sure what happens when you cancel a Citi credit card. Will it affect your pooled point balance. Something to consider before you pool the accounts

Hi Michael! I called and also did an online chat with Citi and they stated that if you cancel a card with thank you points, they will expire within 60 days. That’s even if you transfer them to a different card and keep it open!

So it looks like they have a way to track which points were earned with a specific card, and once that card is closed, any points earned from that card will expire within 60 days.

I asked for clarification on why this was the case and was told it’s because a points transfer does not count as a redemption or qualifying activity to keep the points active.

A bit odd, but I did get the same answer twice. Once in writing and once over the phone.

If you’re thinking about cancelling a card, maybe try downgrading it to a card with no annual fee. This way it’ll be easier to keep your thank you points active until you get a chance to redeem them on your own schedule.

Yes that is always the plan to downgrade! 🙂 I am debating on whether or not to keep the Citi Prestige when my annual fee hits in October. They really did a number to that card! And the numbers all suck! I hate all the changes come Sept 1st – Hope they have good retention offers to offset that fee. I also wonder if I lost out on the better annual fee – which was like 350 i believe.)

I’m an optimist. Here’s hoping you’ll get a good retention offer 🙂