Step By Step: How to Share Citi ThankYou Points & What You Need to Be Aware Of to Ensure Your Points Don’t Expire

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Step By Step: How to Share Citi ThankYou Points & What You Need to Be Aware Of to Ensure Your Points Don’t Expire

Jason StaufferStep By Step: How to Share Citi ThankYou Points & What You Need to Be Aware Of to Ensure Your Points Don’t ExpireMillion Mile Secrets Team

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Flexible credit card rewards are the best type of miles & points to earn because you aren’t stuck redeeming with a single airline or hotel.  But that’s only one advantage to earning points like Citi ThankYou points.

Another huge benefit is that flexible points are generally easier to combine into one account and this can make a huge difference when it comes to redeeming your rewards.  Most airlines charge you to transfer miles from one account to another.  But with Citi ThankYou points (and other types of transferrable rewards) you can share points between accounts for free.

I’ll explain to you the advantage of sharing your Citi ThankYou points, how to do it, and what you need to watch out for.  If you want to learn more tips, and tricks for getting the most out of your credit card rewards, subscribe to our email newsletter.

Sharing Citi ThankYou Points Has Advantages, But Don’t Do It Until You’re Ready to Use the Points

How to Share Citi ThankYou Points

If you’re going to share Citi ThankYou points, don’t do it unless you have a specific use for them because once they are shared between ThankYou accounts they will expire in 90 days and there is nothing you can do to extend the expiration date.

Here are the important terms for Citi ThankYou point sharing:

  • You can transfer up to 100,000 Citi ThankYou points per calendar year from your account
  • You can receive up to 100,000 Citi ThankYou points from transfers per calendar year
  • Transferred Citi ThankYou points expire after 90 days
  • Citi ThankYou points transferred to you cannot then be transfer to another account

You can only share Citi ThankYou points that you earn from a credit card.  So you could share the bonus points you earn from the sign-up bonus and spending with cards like the:

If you earn Citi ThankYou points as a bonus from a Citi checking account you can’t share those or transfer them to Citi’s travel partners.

Sharing Citi ThankYou points is useful because each Citi ThankYou points credit card has different perks.  For example, if you have the Citi Prestige card or Citi Premier℠ Card you can transfer your points to Citi’s travel partners.  And with the Citi Premier card, your points are worth 25% more for travel booked through the Citi ThankYou portal, like cruises, hotels, rental cars, and airfare.

Sharing points also makes sense if you need to combine points into a single airline loyalty account.  Let’s say you have 20,000 Citi ThankYou points and your spouse has 15,000 points.  You want to convert these to Singapore Airlines miles so you can book a round-trip flight on United Airlines to Hawaii, but the miles all need to be in the same Singapore Airlines account first.

You can’t transfer Citi ThankYou points directly from your ThankYou account into an airline loyalty account that is in someone else’s name.  But you can get around that problem by sharing the points first, then making the transfer to Singapore Airlines.

Here are the steps to sharing Citi ThankYou points.

Step 1.  Log-In to Your Account & Select “Points Sharing”

First, you’ll need to log-in to your ThankYou account.  Do this by clicking the “Sign On” button and entering your username and password.

Then, under the “More Ways to Redeem” tab, select “Points Sharing.”

Select “Points Sharing,” Which Will Pop Up If You Hover Your Cursor Over the “More Ways to Redeem” Tab

You’ll need to verify your points sharing request by getting a code texted (or called) to the phone associated with your account.  After that you’ll get to the screen you see in step 2.

Step 2.  Begin Sharing

On this screen click the “Begin Sharing” button at the bottom.  You might need to scroll down a bit to see it.

Click “Begin Sharing” to Continue

Step 3.  Select How Many Points You Want to Share & Who You Want to Share Them With

Next, you’ll choose how many points you want to share.  You can use the slider bar at the top to adjust the number of points you’ll transfer.  But it is much easier to just type in the number in the “THANKYOU POINTS TO SHARE” box.

Then enter the first name, last name, ThankYou account type (bank or credit card), and ThankYou account number of the personal you want to share points with.

Enter the Information of the Person You Want to Share Citi ThankYou Points With

Step 4.   Review the Terms & Click “Continue”

Then you’ll need to agree to the terms and conditions.

After that, scroll to the bottom of your screen and click “Continue” to finish the process.

Agree to the Terms & Conditions

After that last screen you’ll be able to review the details of your transfer.  Be sure the number of points and information for the person you are transferring to are correct before finalizing the transaction.

That’s it!  This is only something you’ll need to do to transfer points to another person.  If you happen to have more than one Citi ThankYou card, your ThankYou points are automatically combined into the same account.  I earned ThankYou points from a checking account bonus and they were combined into the same ThankYou account that is linked to my Citi Premier℠ Card, even though my credit card online account has a separate username & password from my bank account.

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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
  • 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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Great blog. I had a quick question as I’m new to Citi TY. So if my spouse transfers points to me I understand I have 90 days to use them. So what if I already have points in my account as well. To make it simple assume I have 100,000 TY points and my wife transfers in 100,000 points.

If I use 100,000 points does it automatically draw from her points first? How do they distinguish?

Ah never mind. I called them and they said they will first use the points that are expiring first.

I transferred 8000 points from my wife’s Prestige account to my Prestige. I tried to transfer to Virgin Atlantic and the system wouldn’t let me. After several calls to customer service and supervisors getting back to me, they insisted shared points can’t be transferred to airlines. I’m not sure what the point was of sharing. Any ideas?


Eric, I’ve never heard of this happening before. And of all the restrictions listed in the terms, that is not one of them. On top of that both of those cards have the ability to transfer to airlines.

I’ll look into and see what I can find out. Do you happen to know how you earned the points that were transferred? If they were earned from a bank account bonus then those points can’t be transferred…but then again they can’t be shared either.

Have you found anything? I am thinking about doing the same, with the intention to transfer the point to airlines. If this is not feasible I wont do it.


Ktc, I reached out to Citi and am waiting for clarification. I’ll let you know once I hear back.

My wife earned them as regular credit card spend. I had tried to concert my points plus the transferred to Virgin and it wouldn’t let me transfer all of them. It did let me transfer a few of them though, which they claim was a system error. They tell me the transferred points are coming over as taxable points, which can’t be transferred to airlines. No idea why they are saying they are taxable when they are from regular card spend.


Eric & Ktc, Citi has confirmed that shared points can still be transferred to airlines as long as the account they are transferred too has a card with that ability. It’s strange that you had problems transferring your points, Eric.

Just curious who you spoke to? I called in twice to Thank You Rewards and spoke to supervisors and got the same answer. I even asked them what the point of sharing points was if you can’t use them on airlines and they couldn’t give me an answer.