Citi · bank currency
Citi ThankYou Rewards Transfer Partners
Citi ThankYou points are worth holding for a handful of partners that other banks cannot reach. The important caveat is structural rather than per-partner: points earned on a no-annual-fee Citi card transfer at a reduced rate, so the headline ratios only apply if you hold a card that earns full-value points.
- Airline partners
- 14
- Hotel partners
- 3
- Default valuation
- 1.90¢
Only Citi reaches American AAdvantage. No other bank currency on this site transfers there, which is usually the strongest single reason to hold a particular currency.
Ratios shown are for premium cards (Strata Premier, Strata Elite, legacy Prestige). No-annual-fee Citi cards (Strata, Double Cash, Custom Cash, Rewards+) transfer at 10:7 of these figures, and cannot reach American AAdvantage at all. Holding a premium card lets you pool points from the no-fee cards and transfer at the full ratio.
Airline partners
| Airline program | Ratio | Books within | Notes |
|---|---|---|---|
| American AAdvantage | 1:1 | Oneworld | The only bank currency that reaches American — but premium cards only (Strata Premier, Strata Elite, legacy Prestige). No-annual-fee Citi cards cannot transfer to American at all. |
| Air France/KLM Flying Blue | 1:1 | SkyTeam | |
| Singapore KrisFlyer | 1:1 | Star Alliance | |
| Turkish Miles & Smiles | 1:1 | Star Alliance | |
| Avianca LifeMiles | 1:1 | Star Alliance | |
| JetBlue TrueBlue | 1:1 | No alliance | |
| Virgin Atlantic Flying Club | 1:1 | — | |
| Cathay Pacific Asia Miles | 1:1 | — | |
| Etihad Guest | 1:1 | — | |
| EVA Air Infinity MileageLands | 1:1 | — | |
| Qantas Frequent Flyer | 1:1 | — | |
| Qatar Privilege Club (Avios) | 1:1 | — | |
| Thai Royal Orchid Plus | 1:1 | — | |
| Emirates Skywards | 5:4 | No alliance |
The alliance column is what makes a partner useful beyond its own aircraft: miles in a Star Alliance program book Star Alliance metal, so one transfer can reach carriers you will never hold points with directly. Airline alliances explained →
Hotel partners
| Hotel program | Ratio | Notes |
|---|---|---|
| Wyndham Rewards | 1:1 | |
| Choice Privileges | 1:1.5 | |
| ALL Accor Live Limitless | 2:1 |
What these points are worth
The 1.90¢ figure above is a starting default, not our calculation. It comes from The Points Guy's published valuations, used because a public, documented baseline is more useful than a number we invented. What a point is actually worth is whatever you redeem it for. Our methodology page draws that line and shows the arithmetic.
Value a balance at a rate you choose →
Before you transfer
- Transfers are one-way. Confirm award space before moving anything, and move only what the booking needs.
- Ratios are not all 1:1. The table above shows the real rate for each partner, and a handful have been devalued in recent years.
- Last verified September 13, 2026. Every row here was checked against multiple trade sources on that date. If it looks old to you, it is old, and this line says so rather than implying a cadence.
This page is a snapshot. The tracker keeps it current against what you actually hold. Points Commander tracks your balances across every program, counts down each card credit against its reset date, and plans award trips from the points you have. Free, no affiliate links, no bank login.
Other bank currencies
Chase Ultimate Rewards
Hyatt and United, and the easiest starting point.
Amex Membership Rewards
International premium cabins and the widest airline list.
Capital One Miles
Breadth of airline partners at a flat 1:1.
Wells Fargo Rewards
A newer, smaller list worth checking before you assume.
Rove Miles
A long partner list on a currency few people hold.
Bilt Rewards
Paying rent, and an unusually broad partner list.