Heads up, RewardSmart users! We've got important news regarding Citi ThankYou points and their transfer value to two hotel loyalty programs: Choice Privileges and Preferred Hotels I Prefer. While the exact details of the devaluation are still emerging, we know that starting April 19, 2026, the transfer ratios will be less favorable. This means you'll need more Citi ThankYou points to redeem the same number of hotel points.

What This Means for Your Rewards Strategy

Devaluations are never fun, but they're a reality in the world of credit card rewards. The key is to be proactive and adjust your strategy accordingly. Here's what you need to consider:

  • Assess Your Current Balances: If you're sitting on a large stash of Citi ThankYou points and frequently transfer them to Choice or I Prefer, it's time to take stock. Determine how many points you typically transfer and whether you have any upcoming stays planned with these programs.
  • Plan Your Redemptions: With over two years until the change, you have ample time to redeem your points at the current, more favorable rates. If you anticipate needing Choice or I Prefer points in the future, transferring them before April 19, 2026, is a smart move. Even if you don't have immediate travel plans, consider transferring points to lock in the current value for future trips.
  • Explore Alternative Transfer Partners: Citi ThankYou points offer transfers to a variety of airlines and hotels. Use the RewardSmart app to compare the transfer ratios and redemption values of different partners. You might find that transferring to an airline program offers a better return on your points, even with the current hotel transfer rates.
  • Consider Cash Back Options: Don't forget the simple option of redeeming your points for cash back or statement credits. While often not the most lucrative option, it provides a guaranteed value and avoids the complexities of transfer partners.

Maximizing Your Citi ThankYou Points Before the Deadline

Here's a step-by-step guide to help you make the most of your Citi ThankYou points before the devaluation:

  1. Log into your Citi ThankYou account.
  2. Review your points balance.
  3. Use RewardSmart to research Choice Privileges and I Prefer properties you'd like to stay at. Estimate the number of points required for those stays.
  4. **Transfer points before April 19, 2026, to cover your desired stays.** Remember to factor in any potential award availability issues.
  5. If you don't have specific travel plans, consider a small transfer to keep your Choice or I Prefer accounts active. Many loyalty programs require periodic activity to prevent points from expiring.

Beyond Hotel Transfers: Diversifying Your Rewards

This devaluation serves as a reminder to diversify your rewards strategy. Don't put all your eggs in one basket! Explore different credit card programs and redemption options to ensure you're getting the most value from your spending. RewardSmart can help you analyze your spending habits and recommend the best credit cards and redemption strategies for your individual needs.

Takeaway: Don't let this devaluation catch you off guard. Take action now to maximize your Citi ThankYou points before the changes take effect. Use RewardSmart to plan your redemptions, explore alternative transfer partners, and diversify your rewards strategy for long-term travel success.