We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.

For more information, please see How we make money.

Citi ThankYou Points Gift Card Discount! Up to ~23% Off By Stacking With Card Perks, Including Apple, Cruises, AirBnb & Hotels.com (Targeted?)

  • Jason Stauffer

    • Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money.

    Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

    Citi is an MMS advertising partner.

    If you’re looking to stretch your Citi ThankYou points, check your account for discounts on gift cards.  My account has a 10% discount on gift cards, but others have 15% off.  I’m not sure if this is a targeted promotion or just one that is different for each account.

    Normally, redeeming Citi ThankYou points for gift cards isn’t the best option because your points are only worth 1 cent each this way.  But if you have the Citi Rewards+® Card, you’ll get a 10% points rebate on the first 100,000 points you redeem, which makes this an opportunity worth looking into.

    If you can stack this deal, if could be the best way to use Citi ThankYou points for Royal Caribbean Cruises

    Citi ThankYou Points Gift Card Discount

    Normally, you can redeem Citi ThankYou points for gift cards at a rate of 1 cent each in increments between $25 & $100.

    So with this sale you can pick-up a $100 gift card for 8,500 to 9,000 Citi ThankYou points.  That’s a solid rate for gift cards, but it’s not an absolutely killer deal because if you have the Citi Premier® Card, you can redeem Citi ThankYou points for 1.25 cents each toward travel booked through Citi’s travel site.  This includes hotels, rental cars, flights, and cruises.

    If you happen to have a Citi Rewards+® Card, you’ll get a 10% points rebate on the first 100,000 points you redeem per calendar year.  This rebate applies to gift card redemptions.

    If you have the Citi Premier card you can redeem 8,000 Citi ThankYou points for $100 in cruises, hotels, etc. booked through the Citi travel portal.  Here is a breakdown of how many points it would take to get $100 in travel gift cards with this sale and the Citi Rewards+ Card:

    Gift Card Discount$100 Gift Card Cost10% Points RebateTotal ThankYou Points CostValue Per ThankYou Point
    10%9,000 ThankYou points900 ThankYou points8,100 ThankYou points~1.23 cents per point
    15%8,500 ThankYou points850 ThankYou points7,650 ThankYou points~1.31 cents per point

    If you’re targeted for the 15% gift card discount you can get a 23%+ discount and a value of ~1.31 cents per point, which beats out the Citi Premier card.  And to top it off, the Citi Rewards+ doesn’t have an annual fee.

    One thing to note is that if you transfer Citi ThankYou points to someone else’s account that has a Citi Rewards+ card, the transferred points aren’t eligible for the 10% points rebate.  The other drawback is that you can only redeem Citi ThankYou points for a limited number of travel related gift cards including:

    This is probably as good as it gets for redeeming Citi ThankYou points for gift cards.  The big advantage cards like the Citi Premier and Citi Prestige Card have is that they give you the ability to transfer your ThankYou points to airlines.  When you do this, you can potentially get an even better return for your points, especially if you book expensive Business or First Class awards.

    Don’t miss the next miles & points deal – subscribe to our newsletter and we’ll send them straight to your inbox:

    [gravityform id=”3″ title=”false” description=”false”]

    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! :)