Citi ThankYou Points

Transfer structure: - Premium card holders (Strata Elite, Strata Premier, Prestige): 1:1 to all partners - Non-premium card holders (Strata, Double Cash, Custom Cash): 10:7 ratio (70% value) - You must hold at least one premium card to unlock 1:1 transfers Outbound airline partners (1:1 premium / 10:7 non-premium): - Turkish Miles&Smiles: best Star Alliance sweet spots (7,500 domestic economy, 45K business to Europe) - Singapore KrisFlyer: premium cabin awards on Singapore metal - Virgin Atlantic Flying Club: ANA first class (55K one-way US–Japan) — best-in-class redemption - Air France/KLM Flying Blue: monthly promo awards to Europe, often 25–50% off - Avianca LifeMiles: United flights without fuel surcharges - Qatar Privilege Club (Avios): Oneworld business class - Cathay Pacific Asia Miles: Asia-Pacific premium routes - American Airlines AAdvantage: 1:1 for AA metal and oneworld partners - Emirates Skywards: 5:4 ratio (not 1:1) — factor into calculations - JetBlue TrueBlue: 1:1 for JetBlue flights - Etihad Guest, EVA Air, Qantas, Thai Royal Orchid Plus, Aeromexico: niche use cases Hotel partners: - Choice Privileges: 1:2 (good for fixed-rate properties) - Wyndham Rewards: 1:1 - Accor Live Limitless: 2:1 (useful for European Accor properties) - I Prefer / Leaders Club: boutique hotel programs, limited value When to transfer: only for a specific confirmed booking — points are one-way and lose optionality once transferred. Flying Blue monthly promos and Turkish sweet spots are the most consistent high-value targets.

Best redemptions (target 1.9¢+ per point, TPG Feb 2026 valuation): Turkish Miles&Smiles (1:1 transfer): - 7,500 miles one-way domestic US economy — best domestic rate available anywhere - 45,000 miles one-way business class to Europe - 32,500 miles one-way business class to Middle East/Africa - Book on Turkish website; call center sometimes finds availability missing online Virgin Atlantic Flying Club (1:1 transfer): - 55,000 miles one-way ANA first class US to Japan (~5¢/pt value) - 47,500 miles one-way ANA business class US to Japan - Book 355 days out; ANA first class also releases ~21 days before departure Air France/KLM Flying Blue: - Monthly promo awards: 25–50% off specific routes; Europe business class can be ~50K one-way - Check Promo Rewards section of Flying Blue website each month Qatar Privilege Club (Avios, 1:1 transfer): - Oneworld partner business class; Japan Airlines and Cathay Pacific are strong targets - ~70,000 Avios for Cathay business class one-way to Asia Citi Travel portal: - 1 cent per point baseline — use when transfers don't improve value Avoid: - Cash back, gift cards, merchandise (0.5–1¢/pt) - Non-Choice hotel transfers generally offer weak value - Transferring to non-premium rate (10:7) erodes value significantly

- Citi Strata Elite earns 12x on hotels, car rentals, and attractions booked through Citi Travel; 6x on airfare booked through Citi Travel and eligible Citi Nights dining; 3x on dining otherwise; and 1.5x on other purchases. - Verify Citi Travel pricing and cancellation terms before valuing a portal booking against a direct booking. - Citi ThankYou transfer ratios can vary by card, so confirm the rate shown for your card before moving points.