The “Citi Trifecta / Quadfecta” + Best Uses of Citi ThankYou Points [Guide]

Partially Updated: July 28, 2025; more to come.

Now that Citi has made cash back from the Citi® Double Cash Card transferable to ThankYou points at a 1:1 ratio, you can now effectively earn 2 ThankYou points per dollar on all spend, with the optionality of converting to ThankYou points later – or redeeming for the cash whenever you choose.

The Citi cards in Play Are the Citi Strata Elite℠, Citi Strata Premier® Card, Citi Double Cash®, and the Citi Custom Cash℠ Card

The Citi Strata Premier® and Citi Strata Elite℠: Unlocks 1:1 transfers of Citi ThankYou points to 15 airline partners, including American Airlines AAdvantage®.

These cards, plus the legacy Citi Prestige and Citi Chairman cards, are the only ones that transfer 1:1 to most partners. Those with other cards can transfer, but at a reduced rate, and not to American Airlines.

The Strata Premier card earns 3x Citi ThankYou points on dining, groceries, air travel, hotels, and gas. That’s a lot of 3X categories!

With a large bonus for spending $4,000 in your first three months, we definitely recommend starting with the Citi Strata Premier®.

The Citi® Double Cash Card: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. So, if you have the Premier, you would use the anything that isn’t travel, gas, entertainment or restaurants.

The Citi Custom Cash℠ card, which earns 5% on your top bonus category each month, up to $500 in spend, and features some unique bonus categories like Home Improvement Stores, Drugstores, and Live Entertainment (Concerts and Shows).

Get 60,000 Citi ThankYou points when you spend $4,000 in 3 months. Using Turkish as a transfer partner, this could be worth 2 round trip domestic flights in Business Class or just 30,000 points shy of a roundtrip flight to Europe in Business Class! Get This Offer

Citi Bifecta or Citi Trifecta?

Now that the Citi Prestige has both a higher annual fee, at $495, and no longer allows concierge bookings, it’s not as much of a “no brainer” card as before. Many will balk at the small signup bonuses on the Citi Double Cash card, but keep in mind that you should be able to product change nearly any open Citi card to either of these. Many of us have older, potentially dormant, Citi cards we stopped using and those are perfect conversion candidates.

So at a minimum, you’d want the Citi Double Cash, for 2X points on all non-bonused spend, and a Citi Strata Premier or Citi Strata Elite℠ (or the no longer available Citi Prestige) for the ability to transfer these points to airlines 1:1 including American Airlines.

I guess that would simply be a Citi Bifecta.

The Citi Rewards+ used to make a trifecta because it offered a 10% rebate on points redeemed from any of your cards, but it’s since been discontinued. It’s become the no annual fee Citi Strata but lacks the 10% points rebate and really doesn’t come into play as part of a broader Citi strategy.

Quadfecta?!

With the Citi Custom Cash card to my wallet, I have 4 cards in the Citi ThankYou ecosystem all working together. I still have the Citi Prestige, and then I have the Strata Premier, Custom Cash and a Double Cash is my default “no bonus category” card for 2X.

By adding in the Custom Cash as my fourth card, I am able to earn 5X ThankYou points on any of these bonus categories.

• Restaurants
• Gas Stations
• Grocery Stores
• Select Travel
• Select Transit
• Select Streaming Services
• Drugstores
• Home Improvement Stores
• Fitness Clubs
• Live Entertainment

Just note that it’s whatever category you spend the most on each billing cycle and it’s capped at $500 per month. It’s easy to see why this is a great addition.

Where Can You Transfer Citi ThankYou points?

What are the Best Citi ThankYou partners?

It certainly depends on your personal travel goals. Here are a few of mine:

Turkish Airlines

Turkish Miles&Smiles represents a sort of “hidden” opportunity. It’s part of Star Alliance and offers some incredible deals like 12,500 miles to fly NYC-LAX/SFO in United Business Class. The award booking engine online, however, can be buggy.

Needless to say, it’s also great for booking award flights on Turkish, whose Business Class is highly regarded, especially for the onboard food and service.

The real golden sweet spot, though, is in flying to/from anywhere in North America including Mexico, Hawaii, Alaska, Canada, Bermuda and even the Netherlands Antilles for 15,000 points or less in Business Class. 

Other sweet spots on Turkish were lost in a 2024 devaluation.

Get 60,000 Citi ThankYou points when you spend $4,000 in 3 months. Using Turkish as a transfer partner, this could be worth 2 round trip domestic flights in Business Class or just 30,000 points shy of a roundtrip flight to Europe in Business Class! Get This Offer

Avianca LifeMiles

In short, 65,000-80,000 miles from the US to Europe in Business Class or 120,000 miles from the US to Europe in First Class with no carrier surcharges is why some people love using LifeMiles. That can save several hundred dollars when booking Lufthansa First Class.

Be sure to also read LifeMiles Awards – Changes and Cancellations: What You Need to Know as there are downsides to the program.

Cathay Pacific AsiaMiles

AsiaMiles is arguably the best way to redeem Citi ThankYou points on Oneworld carriers. They have stopped charging carrier imposed surcharges on their own award flights, but they will still pass them on from carriers that charge them like British Airways, Qantas, and Qatar. Much like you can redeem British Airways Avios effectively on short domestic trips on American Airlines, AsiaMiles can do the same for just a drop more miles.

Virgin Atlantic Flying Club

Virgin’s miles can be incredibly useful. My favorite uses are for a round trip in First or Business Class to Japan on ANA or to fly on Delta-operated flights within the US.

Choice Hotels

You might not instantly recognize the value of Choice Hotels as a new part of the Citi ThankYou arsenal, but that doesn’t mean you can’t find some significant value here.

In fact, if you have a Citi Strata Premier or Strata Elite (or Citi Prestige), you’ll get 2 Choice Privileges points for every 1 Citi ThankYou point transferred.

Now, of course you can use this to simply book Choice Hotels properties, which include Comfort Inn, Sleep Inn, Quality Inn, EconoLodge, Rodeway Inn, Ascend, and Cambria, among others. And you can find some solid value there on the discount side of hotel offerings.

But if you are like me, you like a bit more upscale for your points. And that is where the Choice Hotels partnership with Preferred Hotels and Resorts comes in.

You can search the above link to see all of the options, but I’ll give you two examples to whet your whistle.

The Excelsior Palace Hotel on the Portofino Coast in Italy can easily exceed 400 Euros per night. But it can be booked for 55,000 Choice Privileges points which is just 27,500 Citi ThankYou points. That’s about 2 cents per point in value.

Closer to home, check out these hotels in California for 55,000 points (27,500 Citi) that can run north of $500 a night.

Another great way to use Choice points is at Nordic Choice Hotels (you can’t book using points here, but you can browse), which operates in Sweden, Norway, Finland, and Denmark. Starting at just 10,000 Choice points (which is just 5,000 Citi ThankYou points from Premier/Prestige cards), you can get rooms that cost over $200. Yes, you can get 4 cents per Citi ThankYou point in value this way!

Wyndham Rewards

While this isn’t exclusive to Citi, and Wyndham Rewards isn’t insanely special at a 1:1 transfer rate, it’s worth knowing about. For one, if you are on the Status Match Merry Go Round and need some Caesars Rewards credits (for example, to access Laurel Lounges), you can transfer from Wyndham to Caesars. Just bear in mind this transfer can take up to a week, so you can’t do this once you are on property.

A better use is on Vacassa vacation rentals. While you do need to book by phone (866-996-7937) and you may have trouble finding an agent that even knows how to do it, the value can be pretty sweet. That’s because you will pay 15,000 points per bedroom. That could mean you pay 30,000 points for a nice two bedroom cabin somewhere – or it could mean a house with just one “technical” bedroom could be a huge value at 15,000 points. But you’ll have to also be aware that you cannot cancel a Vacassa reservation within 30 days of travel (yes, that kind of stinks!) and you seem to not be able to book a base rate over about $325  per bedroom (per Frequent Miler).

Lastly, you can book Wyndham properties (of course!) directly online with a range of 7,5000 to 30,000 points per night (all hotels are 7,500, 15,000 or 30,000 points per night).

If you want, you can see which Citi Cards offer Extended Warranty as a benefit.

It’s up to you if that moves the needle for you on these cards versus cards that still have those benefits like Chase credit cards that earn Chase Ultimate Rewards points.

Applying for these cards:

If you apply for the Citi Strata Premier, Citi Double Cash, or Custom Cash through these links, MilesTalk earns a commission for which we are extremely grateful.

Will this change impact the mix of cards in your wallet?

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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. 

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.