Best Citi ThankYou Points Redemption Rewards Value

Citibank Thank You Points RedemptionThose with a Citi credit card or a Citibank Checking account, you have access to the ThankYou points rewards system in order to redeem your points at You have many options to redeem your points from mortgage payments, to student loans rebates, to Amazon gift cards. Question is, what’s the best way to redeem your Citi ThankYou points?

Best Ways to Maximize Citi ThankYou Points

Mortgage Payment: Did you know that sou can pay your mortgage with your ThankYou points? This is literally the same as cash. E.G. with 25,000 points, you can use it for $250 cash payment to your mortgage. The checks are made out to the bank of your choice and they will sent it directly to you. Simply call (1-800-THANKYOU) and you can have your check make it out to any bank. This works out to be  1 cent per point.

Student Loan Rebates: Just like the mortgage payment option, the conversion is 1 cent per point. If you have student loans, you can redeem your points towards a rebate check. The redemption increment starts at $25 for 2,500 points. You will need to call them and provide them the name of your lending institution for them to mail a physical check for your lending institution.

Gift Cards: Probably the best gift card is Amazon since many people shop through them. The conversion for $100 is 10,000 points. You can also get other gift cards such as Walmart, Home Depot, Lowe’s, Best Buy, and many more for $100 for 10,000 points. You can then resell at Plastic Jungle for cash if needed. If you wait around, Citi does offer “sales” on gift card redemptions such as a $50 Home Depot gift card for 4,500 points, that’s 1.11 cents in gift card value per point!

Thank You Points Options Conclusion

You probably want to avoid statement credits for redemption since you’ll only get $100 for 20,000 points or .5 cents per point. Likewise with cash rewards or prepaid cards that’s the same as statement credits. If you have a Citi Premier card, you may want to redeem your points for travel since you have 33% bonus travel redemption.

Citi also allowed account holders to link all Citi cards that earn ThankYou points to one ThankYou account. Simply log into your account online and link all your account in order to redeem your points more easily.



  1. Alex says

    It’s worth noting that Citi has different redemption value depending on the redemption suite of the individual products you have. If you have ONLY the ThankYou Forward card your gift card redemption values will be worse than if you have the ThankYou Premier card (the same $100 gift card will cost more points).

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