Tag Archives: Citi ThankYou Points

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My Overly Ambitious 2025 Airline, Hotel & Credit Card Predictions

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Good morning everyone, happy Sunday!  Not to be deterred by my abysmal 2024 results (How Right (& Wrong) were my 2024 Airline, Hotel & Credit Card Predictions?), 2025 is a fresh year and the year all most some a few of my predictions will come true.  Without further ado, here are my predictions for 2025:

My 2025 Airline Predictions:

  • Alaska Airlines or Southwest Airlines will bring back their “convert travel funds to airline miles” feature.
  • Alaska Airlines will let you use the Companion Fare to book Hawaiian Airlines flights.
  • American Airlines will return as a Citi ThankYou Points transfer partner.
  • British Airways will lower their partner redemption prices for American Airlines and Alaska Airlines.
  • Delta will increase the annual fee on their credit cards and increase the Delta SkyMiles discount to 20%-25%.
  • JetBlue will allow you to redeem points on a new partner airline (besides Etihad Airways, Hawaiian Airlines and Qatar Airways).
  • Southwest Airlines will do a status match once they start selling seat assignments.
  • United Airlines will bring back their “family pooling” feature.

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How Right (& Wrong) were my 2024 Airline, Hotel & Credit Card Predictions?

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Good morning everyone, happy Friday!  I know it is a few days before the end of the year, so technically, all of these predictions could come true, but I am going to call it now.  At the beginning of the year, I wrote My Overly Ambitious 2024 Airline, Hotel & Credit Card Predictions.  The original predictions are in black, correct predictions are in green, and incorrect predictions are in red.  Without further ado, here are the results of my predictions for 2024:

My 2024 Airline Predictions

  • Alaska Airlines or Southwest Airlines will introduce a “family pooling” benefit for miles or travel credit. – Technically, Alaska Airlines doesn’t allow “family pooling”, but it is possible (right now) to move miles into a single account.  If someone in your family has a Barclays Hawaiian Airlines Credit Card, you can transfer Hawaiian Airlines Miles between accounts for free and move those miles to and from your Alaska Airlines account for free.  Read this post for step by step instructions.
  • American Airlines will allow Web Special awards to be changed online (currently, they can only be cancelled). – Nope, you cannot make changes to American Airlines Web Special awards.
  • British Airways will add another airline (besides Finnair) to the Avios family. – Nope, Qatar and Finnair were the most recent additions to the Avios family.
  • Delta will change their 15% SkyMiles discount for Delta credit cards holders. – Nope, the 15% discount for credit card holders hasn’t changed.
  • United will allow you to combine multiple travel bank funds and future flight credits for the same reservation. – Nope, it is not possible to combine travel bank funds and future flight credits for a single United Airlines reservation.

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I Paid $5,341 in Credit Card Annual Fees in 2024 – Was it Worth it?

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Good afternoon everyone, I hope your holiday season is going well.  With the end of the year right around the corner, I decided to publish my 2024 version of credit card annual fees I paid this year.  For comparison, here are my previous credit card annual fee posts:

For this year’s post, I decided to break up the list of credit cards into 5 sections:

  • Credit cards with sign up bonuses
  • Credit cards with retention offers
  • Credit cards with product changes
  • Credit cards that were closed this year
  • All other credit cards

For simplicity, I did not include the value of miles or points earned from credit card spend, but I did include the value of miles and points earned from sign up bonuses, referral bonuses, anniversary points, discounted points, and rebated points.  I counted all credits, reimbursements, and retention offers at face value.  I list the value of all tangible and intangible benefits below too.

I went through all of my credit card statements and online accounts to see which Credit Card Benefits I used in 2024 and those values are in the CCB $ column. If I received a retention offer, that is listed in the RO $ column. I listed the credit card annual fees in the AF $ column. Lastly, I used this formula to calculate the Profit or Loss (P/L column) for each credit card: CCB $ + RO $ – AF $ = P/L.  Laura’s card are included as well. Continue reading →

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YTD How I Earned & Redeemed My Citi ThankYou Points

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Good afternoon everyone, I hope you had a great weekend.  I thought it would be interesting to share how I earn and redeem my Citi ThankYou Points (TYPs), in case any readers were interested in my strategy.  From January 2024 through October 2024, I earned 44,150 TYPs from my Citi credit cards – here is the breakdown:

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What Should I do with 85K Expiring Citi ThankYou Points? [TYP Transfers Completed 8/15]

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Updated 8/15/24 at 2pm PT: With 2 Citi ThankYou Points (TYPs) transfer bonuses set to expire in 2 days on August 17, I decided to take advantage of them before the deadline.  As a reminder, here are the transfer bonuses:

    • 25% transfer bonus to Air France / KLM Flying Blue (expires August 17, 2024)
    • 20% transfer bonus to Wyndham Rewards (expires August 17, 2024)

I was lucky enough to snag one of the Super 8 promo packages (15,000 Wyndham Rewards Points for $8.88), so I currently had 45,000 Wyndham Rewards Points.  I wanted 90,000 points for 6 nights at the 15,000 point pricing or 3 nights at the 30,000 point pricing (which I will probably use to book a 3 night Vacasa vacation rental up to $500 / night).  Since I also have a Barclays Wyndham Rewards Earner Business Credit Card, I get a 10% discount on award bookings, so instead of 90,000 points, I only need 81,000 points.  Here is the math: 81,000 points – 45,000 points = 36,000 points / 1.2 (for the 20% transfer bonus) = 30,000 points.  I transferred 30,000 TYPs into 36,000 Wyndham Rewards Points and combined with my existing 45,000 points, so my new balance is 81,000 points.

I needed to book a hotel for 1 night and found a Radisson hotel for 25,000 Choice Hotels Points.  I currently had 1,000 points, so I transferred 12,000 TYPs into 24,000 Choice Hotels Points (thanks to the 1,000 : 2,000 transfer ratio).  24,000 points + 1,000 points = 25,000 points.

Lastly, I wanted to use up the remaining expiring TYPs for a transfer to Air France / KLM to take advantage of the 25% transfer bonus.  I had 43,370 expiring TYPs, so I transferred 44,000 TYPs into 55,000 Air France / KLM Flying Blue Miles which I hope to use for a business class award to / from Europe next Summer.

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Good afternoon everyone.  A few weeks ago, Laura transferred all 85K Citi ThankYou Points (TYPs) to my account in preparation of converting her Citi Strata Premier Credit Card into a no annual fee Citi credit card.  Now I have 85K TYPs that I need to use / redeem within 90 days before they expire.  In this post, I will walk you through the transfer process, show you how to find your points expiration date, and share my thoughts on how I plan to use the TYPs before they expire.

To get started, here is how you transfer your TYPs to another user.  Sign into your TYP account, click on More Ways to Redeem, and click on Points Sharing.  As mentioned above, once you transfer the TYPs, the recipient has 90 days to use the points before they expire.  Each calendar year, you can transfer out up to 100K TYPs and you can receive up to 100K TYPs.  You can transfer any amount of points from 1 point up to your entire balance.  Lastly, you will not earn a 10% rebate by transferring points to another user if you have the Citi Rewards+ Credit Card.

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