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Citi ThankYou Points

  • Points & Miles

    Minimum Transfer Amounts & Increments: How “Transferable Points” Programs Really Work

    by joeheg December 23, 2025
    by joeheg December 23, 2025

    Transferring points to airline and hotel partners is one of the best ways to squeeze extra value out of your rewards. It’s also one of the easiest ways to get …

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  • Credit Cards

    Why AMEX Charges a Transfer Fee (And Other Banks Don’t)

    by joeheg December 7, 2025
    by joeheg December 7, 2025

    If you’ve ever transferred American Express Membership Rewards points to a U.S. airline frequent flyer program, you may have noticed an extra line item called the AMEX Excise Tax Offset …

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  • Credit Cards

    Two New Premium Cards, One Open Slot: Citi Strata Elite vs. Atmos Summit

    by joeheg November 24, 2025
    by joeheg November 24, 2025

    If you collect points and miles long enough, every new premium card starts to look the same: big annual fee, big welcome bonus, and a bunch of credits you may …

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  • Credit Cards

    Is the Citi Strata Premier Still Worth It Now That the Strata Elite Exists?

    by joeheg August 26, 2025
    by joeheg August 26, 2025

    For years, the Citi Strata Premier card has been one of the most valuable ways to unlock Citi’s ThankYou ecosystem. Outside of the long-gone Prestige, it’s the card that enables …

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  • Points & Miles

    Trapped in the Phantom Zone: Navigating the Perils of Award Flight Bookings

    by joeheg July 27, 2025
    by joeheg July 27, 2025

    Booking flights with points can feel like unlocking a secret travel hack—until it doesn’t. If you’ve ever found the perfect award flight only to discover it’s not actually bookable, you’ve …

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  • Points & Miles

    The Hidden Risk of Transferable Points (and How to Avoid It)

    by joeheg June 19, 2025
    by joeheg June 19, 2025

    I recommend earning transferrable points rather than locking yourself into a single loyalty program. For instance, I’d rather earn Chase Ultimate Rewards than commit to points with Aeroplan, Hyatt, or …

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  • Credit Cards

    Another Points Devaluation? Yes. But This One’s Easy to Avoid

    by joeheg May 21, 2025
    by joeheg May 21, 2025

    Like many other Citi Strata Premier cardholders, we recently got an email with some disappointing news. Starting August 24, 2025, the redemption value for cashing out ThankYou Points is being …

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  • Points & Miles

    Why JetBlue’s Points + Cash Option Is a Terrible Deal (& How to Fix It)

    by joeheg April 23, 2025
    by joeheg April 23, 2025

    JetBlue lets you use Points + Cash when you’re short on miles—how generous. All you have to do is accept a lousy redemption rate and pay nearly full price anyway. …

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Your Mileage May Vary
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