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Citibank's loyalty program is called ThankYou Rewards. {{Link|ThankYou}}.

<ul class="bulletlist">

<li>'''You can transfer your ThankYou points to many different frequent flyer programs'''. ThankYou points can be converted into frequent flyer miles with any of about a dozen different frequent flyer programs. This gives you the flexibility to take advantage of award space on over a hundred different airlines, and the ability to combine the points you earn from your credit cards and points you earn directly with the airline program. In many cases, you can redeem tickets for an upcoming flight, through one of several different programs, allowing you to take advantage of whichever program requires the fewest miles for any given trip.</li>

<li>'''ThankYou Rewards occasionally offers promotional transfer bonuses'''. While the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points, for every 10,000 ThankYou points you transfer. {{Link|Transfer Bonuses}}.</li>

<li>'''Unlike Ultimate Reward points, the only good option for redeeming your ThankYou points is for frequent flyer tickets.''' ThankYou Reward's transfer rates for hotel programs aren't very attractive, it doesn't partner with any fixed-value airline programs (like Southwest), and you'll only get 1.25 cent per point when you use them to purchase travel through Citibank.</li>

<li>'''We value ThankYou points at {{Value|TY}} cents each'''. Because you can take advantage of award space and "sweet spots" from many different frequent flyer programs, and the occasional transfer bonus, ThankYou points are generally worth more than any single type of airline miles. If you highly valuable premium-cabin award tickets, ThankYiou points are worth even more. If you want to avoid the hassles associated with frequent flyer tickets, they are worth a lot less. In almost all cases, they are less valuable than the other transferable reward programs, but still well worth acquiring. {{Link|point values}} </li>
</ul><noinclude>[[Category:Content]]</noinclude>

@@ Line 7: / Line 7: @@
 <li>'''ThankYou Rewards occasionally offers promotional transfer bonuses'''. When the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points to a specific airline. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points for every 10,000 ThankYou points you transfer. See {{Link|Transfer Bonuses}} for more information or visit Frequent Miler’s [//frequentmiler.boardingarea.com/current-point-transfer-bonuses/ Current Transfer Bonuses page] for a list of current (and past) promotions.</li>
-<li>'''You can also "cash out" your points at 1 cent each'''. Citi Prestige and Premier customers can very easily convert their points to cash.</li>
+<li>'''You can also "cash out" your points at 1 cent each'''. Citi Premier and Prestige customers can very easily convert their points to cash.</li>
 <li>'''If you have the no-annual-fee Citi Rewards+ card, you get a 10% rebate on your points redemptions'''. This is capped at to your first 100,000 points of redemptions each year. For example, if you transfer 50,000 points to British Airways, you'll get 5,000 points back. This gives you an easy boost of 11% to point values, regardless if you convert your points to frequent flyer tickets or cash them out.</li>

@@ Line 7: / Line 7: @@
 <li>'''ThankYou Rewards occasionally offers promotional transfer bonuses'''. When the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points to a specific airline. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points for every 10,000 ThankYou points you transfer. See {{Link|Transfer Bonuses}} for more information or visit Frequent Miler’s [//frequentmiler.boardingarea.com/current-point-transfer-bonuses/ Current Transfer Bonuses page] for a list of current (and past) promotions.</li>
-<li>'''You can also "cash out" your points at 1 cent each'''. Citi Prestige customers can very easily convert their points to cash. If you only have the Citi Premier Card, you can purchase gift cards or get a check payable to your bank through their "mortgage and student loan" program. You can also get 1 cent per point by buying travel through Citibank's website, but there are significant drawbacks to doing so.
+<li>'''You can also "cash out" your points at 1 cent each'''. Citi Prestige and Premier customers can very easily convert their points to cash.</li>
 <li>'''If you have the no-annual-fee Citi Rewards+ card, you get a 10% rebate on your points redemptions'''. This is capped at to your first 100,000 points of redemptions each year. For example, if you transfer 50,000 points to British Airways, you'll get 5,000 points back. This gives you an easy boost of 11% to point values, regardless if you convert your points to frequent flyer tickets or cash them out.</li>

@@ Line 1: / Line 1: @@
-Citibank's loyalty program is called ThankYou Rewards. {{Link|ThankYou}}.
+ThankYou Rewards is the name of Citibank's own rewards program. {{Link|ThankYou}}.
 <ul class="bulletlist">
-<li>'''You can transfer your ThankYou points to many different frequent flyer programs'''. ThankYou points can be converted into frequent flyer miles with any of about a dozen different frequent flyer programs. This gives you the flexibility to take advantage of award space on over a hundred different airlines, take advantage of whichever program requires the fewest miles for any trip, combine the points you earn from your credit cards with points you earn from flights.</li>
+<li>'''ThankYou points can be transferred to many different frequent flyer programs'''. his gives you the flexibility to take advantage of award space on over a hundred different airlines. In many cases, you can choose to book a flight through one of several different partner programs, allowing you to take advantage of whichever program requires the fewest miles and fees for your trip.</li>
-<li>'''ThankYou Rewards occasionally offers promotional transfer bonuses'''. While the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points for every 10,000 ThankYou points you transfer. See {{Link|Transfer Bonuses}} for more information or visit Frequent Miler’s [//frequentmiler.boardingarea.com/current-point-transfer-bonuses/ Current Transfer Bonuses page] for a list of current (and past bonuses).</li>
+<li>'''ThankYou Rewards occasionally offers promotional transfer bonuses'''. When the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points to a specific airline. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points for every 10,000 ThankYou points you transfer. See {{Link|Transfer Bonuses}} for more information or visit Frequent Miler’s [//frequentmiler.boardingarea.com/current-point-transfer-bonuses/ Current Transfer Bonuses page] for a list of current (and past) promotions.</li>
-<li>'''You can also redeem your points, at 1 cent each, for travel purchases made on the Citibank website'''. This is the easiest way to "cash out" your points if you are having trouble redeeming them for frequent flyer tickets, but it is also possible to cash them out at 1 cent each for Mortgage payments. If you had the Citi Premier card before April 10, 2020, you get 1.25 cents per point until April 10, 2021. </li>
+<li>'''You can also "cash out" your points at 1 cent each'''. Citi Prestige customers can very easily convert their points to cash. If you only have the Citi Premier Card, you can purchase gift cards or get a check payable to your bank through their "mortgage and student loan" program. You can also get 1 cent per point by buying travel through Citibank's website, but there are significant drawbacks to doing so.
-<li>'''If you have the no-annual-fee Citi Rewards+ card, you get a 10% rebate on all your redemptions'''. This is capped at a 10,000 point rebate on a total of 100,000 points of redemptions each year. For example, if you transfer 50,000 points to British Airways, you'll get 5,000 points back.</li>
+<li>'''If you have the no-annual-fee Citi Rewards+ card, you get a 10% rebate on your points redemptions'''. This is capped at to your first 100,000 points of redemptions each year. For example, if you transfer 50,000 points to British Airways, you'll get 5,000 points back. This gives you an easy boost of 11% to point values, regardless if you convert your points to frequent flyer tickets or cash them out.</li>
-<li>'''We value ThankYou points at {{Value|TY}} cents each'''. Because you can take advantage of award space and "sweet spots" from many different frequent flyer programs and the occasional transfer bonus, ThankYou points are generally worth more than any single type of airline miles. If you highly valuable premium-cabin award tickets, ThankYou points are worth even more. But because they have the generally weakest set of airline partners, they are typically somewhat less valuable than Membership Reward points and a little less valuable than Ultimate Reward points. On the other hand, if you expect to be able to take advantage of Turkish Airlines awards for domestic and Hawaii travel on United Airlines, they may actually be more valuable the the other types of bank points. </li>
+<li>'''We value ThankYou points at {{Value|TY}} cents each'''. Because you can take advantage of award space and "sweet spots" from many different frequent flyer programs and the occasional transfer bonus, ThankYou points are generally worth more than any single type of airline miles. If you highly valuable premium-cabin award tickets, ThankYou points are worth even more. But because Citibank has a weaker set of airline partners, ThankYou points are typically somewhat less valuable than Membership Rewards points. On the other hand, if you expect to be able to take advantage of Turkish Airlines awards for domestic and Hawaii travel on United Airlines, they may actually be more valuable the other types of bank points. {{Link|point values}} </li>
-If you want to avoid the hassles associated with frequent flyer tickets, they are worth considerably less than Ultimate Reward points. {{Link|point values}}
+<li>'''If you aren't comfortable using your points for frequent flyer tickets, they are only worth 1 cent each'''. Unlike Chase's Ultimate Rewards, transfer rates for hotel programs aren't very attractive, there are no fixed-value airline partners (like Southwest), and there is no cash out option for greater than 1 cent per point.</li>
 </ul><noinclude>[[Category:Content]]</noinclude>

@@ Line 3: / Line 3: @@
 <ul class="bulletlist">
-<li>'''You can transfer your ThankYou points to many different frequent flyer programs'''. ThankYou points can be converted into frequent flyer miles with any of about a dozen different frequent flyer programs. This gives you the flexibility to take advantage of award space on over a hundred different airlines, and the ability to combine the points you earn from your credit cards and points you earn directly with the airline program. In many cases, you can redeem tickets for an upcoming flight, through one of several different programs, allowing you to take advantage of whichever program requires the fewest miles for any given trip.</li>
+<li>'''You can transfer your ThankYou points to many different frequent flyer programs'''. ThankYou points can be converted into frequent flyer miles with any of about a dozen different frequent flyer programs. This gives you the flexibility to take advantage of award space on over a hundred different airlines, take advantage of whichever program requires the fewest miles for any trip, combine the points you earn from your credit cards with points you earn from flights.</li>
-<li>'''ThankYou Rewards occasionally offers promotional transfer bonuses'''. While the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points, for every 10,000 ThankYou points you transfer. See {{Link|Transfer Bonuses}} for more information or visit Frequent Miler’s [//frequentmiler.boardingarea.com/current-point-transfer-bonuses/ Current Transfer Bonuses page] for a list of current (and past bonuses)..</li>
+<li>'''ThankYou Rewards occasionally offers promotional transfer bonuses'''. While the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points for every 10,000 ThankYou points you transfer. See {{Link|Transfer Bonuses}} for more information or visit Frequent Miler’s [//frequentmiler.boardingarea.com/current-point-transfer-bonuses/ Current Transfer Bonuses page] for a list of current (and past bonuses).</li>
-<li>'''The Citi Premier card lets you redeem your points for airfare purchases at 1.25 cents each'''. This benefit isn't available from the more expensive Citi Prestige card, but it extends to the ThankYou points you earn from all of your cards. This is the best way to cash out your points if you don't find good opportunities to convert them to frequent flyer miles. If you don't have a Premier card, your limited to 1 cent redemptions through the Citibank travel site (or via Mortgage payments).</li>
+<li>'''You can also redeem your points, at 1 cent each, for travel purchases made on the Citibank website'''. This is the easiest way to "cash out" your points if you are having trouble redeeming them for frequent flyer tickets, but it is also possible to cash them out at 1 cent each for Mortgage payments. If you had the Citi Premier card before April 10, 2020, you get 1.25 cents per point until April 10, 2021. </li>
-<li>'''We value ThankYou points at {{Value|TY}} cents each'''. Because you can take advantage of award space and "sweet spots" from many different frequent flyer programs, and the occasional transfer bonus, ThankYou points are generally worth more than any single type of airline miles. If you highly valuable premium-cabin award tickets, ThankYou points are worth even more. But, because they have the generally weakest set of airline partners, they are typically somewhat less valuable than Membership Reward points and a little less valuable than Ultimate Reward points, if you expect to convert them to miles.</li>
+<li>'''If you have the no-annual-fee Citi Rewards+ card, you get a 10% rebate on all your redemptions'''. This is capped at a 10,000 point rebate on a total of 100,000 points of redemptions each year. For example, if you transfer 50,000 points to British Airways, you'll get 5,000 points back.</li>
 If you want to avoid the hassles associated with frequent flyer tickets, they are worth considerably less than Ultimate Reward points. {{Link|point values}}
 </ul><noinclude>[[Category:Content]]</noinclude>

@@ Line 5: / Line 5: @@
 <li>'''You can transfer your ThankYou points to many different frequent flyer programs'''. ThankYou points can be converted into frequent flyer miles with any of about a dozen different frequent flyer programs. This gives you the flexibility to take advantage of award space on over a hundred different airlines, and the ability to combine the points you earn from your credit cards and points you earn directly with the airline program. In many cases, you can redeem tickets for an upcoming flight, through one of several different programs, allowing you to take advantage of whichever program requires the fewest miles for any given trip.</li>
-<li>'''ThankYou Rewards occasionally offers promotional transfer bonuses'''. While the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points, for every 10,000 ThankYou points you transfer. {{Link|Transfer Bonuses}}.</li>
+<li>'''ThankYou Rewards occasionally offers promotional transfer bonuses'''. While the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points, for every 10,000 ThankYou points you transfer. See {{Link|Transfer Bonuses}} for more information or visit Frequent Miler’s [//frequentmiler.boardingarea.com/current-point-transfer-bonuses/ Current Transfer Bonuses page] for a list of current (and past bonuses)..</li>
 <li>'''The Citi Premier card lets you redeem your points for airfare purchases at 1.25 cents each'''. This benefit isn't available from the more expensive Citi Prestige card, but it extends to the ThankYou points you earn from all of your cards. This is the best way to cash out your points if you don't find good opportunities to convert them to frequent flyer miles. If you don't have a Premier card, your limited to 1 cent redemptions through the Citibank travel site (or via Mortgage payments).</li>

@@ Line 7: / Line 7: @@
 <li>'''ThankYou Rewards occasionally offers promotional transfer bonuses'''. While the promotion is active, you'll get extra airline miles when you transfer your ThankYou Reward points. For example, if Citibank is offering a 40% bonus for British Airways, you'll receive 14,000 British Airways points, for every 10,000 ThankYou points you transfer. {{Link|Transfer Bonuses}}.</li>
-<li>'''Unlike Ultimate Reward points, the only good option for redeeming your ThankYou points is for frequent flyer tickets.''' ThankYou Reward's transfer rates for hotel programs aren't very attractive, it doesn't partner with Soutwest, and you'll only get 1.25 cent per point when you use them to purchase travel through Citibank.</li>
+<li>'''Unlike Ultimate Reward points, the only good option for redeeming your ThankYou points is for frequent flyer tickets.''' ThankYou Reward's transfer rates for hotel programs aren't very attractive, it doesn't partner with Soutwest, and you'll only get 1.25 cent per point when you use them to purchase travel through Citibank (and then only if you have the Premier card).</li>
 <li>'''We value ThankYou points at {{Value|TY}} cents each'''. Because you can take advantage of award space and "sweet spots" from many different frequent flyer programs, and the occasional transfer bonus, ThankYou points are generally worth more than any single type of airline miles. If you highly valuable premium-cabin award tickets, ThankYou points are worth even more. But, because they have the generally weakest set of airline partners, they are typically less valuable than Membership Reward points and a little less valuable than Ultimate Reward points, if you expect to convert them to miles.</li>