Tag Archives: Citi ThankYou Points

Unboxing Citi Custom Cash Credit Card: Card Art, Welcome Letter, Directory of Services & Terms and Conditions Booklets

Good morning everyone, I hope you all had a great weekend.  2 weeks ago, I called Citi to convert 1 of my 3 Citi AT&T Access More Credit Cards into a Citi Custom Cash Credit Card.  I will talk more about the conversion process, the prorated annual fee refund, my 61,607 expiring ThankYou Point scare, and how to unlink the closed credit card from your Citi online account (click here to read My Experience Product Changing / Converting / Downgrading to the Citi Custom Cash Credit Card).  In this post, I wanted to share images of the Citi Custom Cash and scanned images of my welcome letter, directory of services booklet, and terms and conditions booklets.

Here is the front and back of the Citi Custom Cash.  It is very simple and clean.

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My Wild and Crazy 2022 Airline, Hotel & Credit Card Predictions

Good morning everyone, happy New Year’s Eve Eve (emphasis on the extra Eve).  Yesterday, I wrote about my dismal prediction performance (I didn’t predict I would do so poorly – another wrong prediction of mine) in my post How Right (or Wrong) were my 2021 Airline, Hotel & Credit Card Predictions?  My new crystal ball just arrived from Amazon, so I am going to put it to the ultimate test and I’ll provide my 2022 airline, hotel, and credit card predictions.  I’m guaranteed to get between 0% and 100% correct, but only time will tell…

My 2022 Airline Predictions

  • Alaska Airlines or Southwest Airlines will bring back their “convert travel funds to airline miles” feature.
  • American Airlines will return as a Citi ThankYou Points airline transfer partner.
  • Avianca will give Turkish Airlines a run for their money for domestic Star Alliance awards.
  • British Airways will let you use Avios to pay the taxes, fees, and fuel surcharge portion of award tickets.
  • Delta Airlines, Southwest Airlines, or United Airlines will introduce a “Miles and Cash” payment option for award tickets (pay 10,000 miles or pay 8,000 miles + $40).
  • JetBlue will partner with another US airline for award bookings.
  • United Airlines will be a transfer partner with Brex, Citi, or American Express.

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How Right (or Wrong) were my 2021 Airline, Hotel & Credit Card Predictions?

Good morning everyone, I hope your week is going well.  A year ago, I wrote My Rock Solid 2021 Airline, Hotel & Credit Card Predictions.  It is now time to review my 2021 predictions and see how right (or wrong) I was.  My original predictions are in black, I will comment in green if my prediction was right, and comment in red if my prediction was wrong.  Let’s see how I did…

My 2021 Airline Predictions (1 for 3)

  • Alaska Airlines or Southwest Airlines will make their “convert travel funds to airline miles” feature a permanent feature on their site.  Wrong – sadly this was a temporary feature that each airline introduced in 2020 but they did not make this a permanent feature in 2021.
  • American Airlines will finally become a Citi ThankYou Points airline transfer partner.  Right – but only for a few months.  I hope American Airlines comes back as a Citi ThankYou Point airline transfer partner in 2022.
  • Delta Airlines or United Airlines will introduce a “Cash and Miles” payment option for award tickets (pay 10,000 miles or pay 8,000 miles + $40).  Wrong – neither Delta nor United introduced a “Cash and Miles” payment option.

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I Paid $3,009 in Credit Card Annual Fees in 2021 – Was it Worth it?

Updated at 1pm PT on 12/16/21: I forgot to include the value of my Hilton Free Night Certificate from my American Express Hilton Honors Aspire Credit Card.  That increased the total another $200 and the info is updated below.


Good morning everyone.  If you haven’t already, please read my post from yesterday (How Much Did I Pay in Credit Card Annual Fees in 2021?).  In today’s post, I will share how much value I received from each credit card in 2021.  Today’s post is also a sequel to my 2020 post (I Paid $3,820 in Credit Card Annual Fees in 2020 – Was it Worth it?) and my 2019 post (I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?).

These 26 credit cards were opened before January 1, 2021, with the exception of my Chase Sapphire Preferred Credit Card which I opened in July 2021.  For simplicity, I did not include the value of miles or points earned from credit card spend, since that is somewhat subjective.  I counted all credits, reimbursements, retention offers, and referral bonuses at dollar face value (with airline miles and hotel points at conservative values between 0.5 CPP and 1 CPP).  For hotel free night certificates, I used a standard value of $100, with the exception of the Marriott 50K Free Night Certificate which I valued at $200.

I went through all of my credit card statements and online accounts to see which Credit Card Benefits I used in 2021 and those values are summed up 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

I grouped the credit cards by issuer, sorted them by highest profit at the top, and then split them up into 3 smaller groups (LT = Laura’s card).  Here are my thoughts from the first group:

  • The retention offer on my American Express Business Platinum Card propelled that card to the top of the charts.  It was already a money maker, but the retention offer was the icing on the cake.
  • I was very diligent about using all Airline, CLEAR, Dell, Hilton Resort, Restaurant, Uber, and Wireless credits on all my AMEX cards this year.
  • I can easily get more than $100 value from the Alaska Airlines Companion Fares with trips to Hawaii or New York, or expensive last minute travel.
  • I’ve gotten so much value out of the Barclays Wyndham Rewards Earner Business Credit Card thanks to Vacasa vacation rentals.
  • Laura loves her Capital One Venture Rewards Credit Card so much, I don’t think she could ever give it up (even though I tell her the card is not worth the $59 annual fee).
Credit Card Name Credit Card Benefits CCB $ RO $ AF $ P / L
AMEX Business Platinum $300 Dell credit, $200 Airline Fee credit, $169 CLEAR credit, $30 Wireless credit, and $25 Staples AMEX Offer $724 $595 $595 $724
AMEX Hilton Honors Aspire $250 Hilton Resort credit, $250 Airline Fee credit, $200 Restaurant credit, and $200 value from Hilton Free Night Certificate $900 $0 $450 $450
AMEX Delta Gold Business $90 Wireless credit and I closed this credit card to avoid paying the $99 annual fee $90 $0 $99 $90
AMEX Gold $100 Airline Fee credit, $100 Dining credit, $100 Uber credit, and $25 1-800-FLOWERS AMEX Offer $325 $0 $250 $75
Bank of America Alaska Airlines (LT) $100 value from the Alaska Airlines Companion Fare $100 $0 $75 $25
Bank of America Alaska Airlines Business $100 value from the Alaska Airlines Companion Fare $100 $0 $75 $25
Barclays Wyndham Rewards Earner Business 15,000 Wyndham Rewards anniversary points ($150) and 13,500 points from the 10% cardmember discount on award stays ($135) $285 $0 $95 $190
Capital One Venture Rewards (LT) None (Laura’s go to credit card for everyday spending) $0 $0 $59 -$59

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Reminder: Max Out 10% Citi ThankYou Points Rebate on Citi Rewards+ Credit Card (10K Annual Limit)

Good afternoon everyone, I hope your week is going well.  One of my favorite sock drawer credit cards is the Citi Rewards+ Credit Card.  This credit card has a pretty decent sign up bonus at the moment (20,000 Citi ThankYou Points after spending $1,500 in 3 months), but my favorite feature of this credit card is the 10% rebate on redeemed Citi ThankYou Points.  You can receive up to 10,000 Citi ThankYou Points rebated each calendar year, you just need to redeem at least 100,000 Citi ThankYou Points in a calendar year.

So why am I reminding you about this today?  The 10% rebate posts to your Citi ThankYou Points account when your statement closes.  If your statement closes on or after January 1, that will count toward your calendar year 2022 10,000 Citi ThankYou Point limit.  Therefore, you probably only have 1 or 2 more statements between now and January 1, 2022.  I will show you how to see how many rebated Citi ThankYou Points you have already received this year and suggest 2 good Citi ThankYou Point transfer partners to use.

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