Posted by Chuck on March 15, 2019
Credit Cards

Published on March 15th, 2019 | by Chuck

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Citi Rewards+ 10% Bonus Works when Redeeming Points from Other Cards (10,000 Points)

Harlan at Outandout reports that the Citi Rewards+ card does earn its 10% redemption bonus even on points earned on other cards, provided the ThankYou accounts are linked.

The Rewards+ card has two unique rewards advantages, one being the points round up and the other being the 10% bonus on points redemptions, up to 100,000 points redeemed per year (10,000 points bonus). If you combine your Rewards+ ThankYou account with another ThankYou account, such as Prestige, Premier, or AT&T, any points redeemed get the 10% bonus.

The Rewards+ card has very limited travel partners, but by linking your ThankYou accounts, you can have your cake and eat it too: you’ll have the transfer ability from the Prestige/Premier and still get the 10% bonus from the Rewards+ card.

This obviously takes the Rewards+ to another level since it’s basically free 10,000 ThankYou points per year for anyone who is redeeming ThankYou points anyway. It’s possible they’ll change the system at some point in the future, so I wouldn’t bet on this forever, but it does make sense that once accounts are linked you’ll get the bonus with those redemptions.

In the example of the Outandout post, above, Harlan had success when transferring to travel partners. It should work with gift cards or travel redemptions too, I believe.



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AL
AL

Keep in mind that if you have a prestige card and plan on redeeming for airfare this redemption through the rewards+ card doesn’t make sense until after September. You will still be getting .0125 redemption rate which exceeds the 10% rebate.

Thomas
Thomas

I dont think you fully understood the article. The 1.25c and 10% back would stack.

Joey
Joey

(Deleted)

wwllmm
wwllmm

This only works if you transfer to airlines or if you redeem for GC too?

Kevin
Kevin

Works for gift cards. I’ve done it twice

aubergine
aubergine

Actually I was expecting this effect since its generally true of other TYP like earning products. For most people though, they simply can’t generate scads of TYP though. You can stack your benefits provided all flow into the same TYP account. The only quirk is that bank earned pts may be treated slightly differently.

DaveC
DaveC

I’m not clear on this. I have the Prestige and the Rewards+ cards. If I combine their TY accounts and then transfer 100K TYP to SQ miles, I’ll get 10K TYP back? Or does the 10% only work for travel redemptions 1.25c and gift cards?

Robert
Robert

Any data points on if having multiple Rewards+ cards can stack the benefit (e.g, in the case of having 2, getting either 20% back on first 100k redeemed or 10% back on first 200k redeemed)?

Stefan Krasowski (Rapid Travel Chai)

Exactly what I am thinking, my 8 Dividends not getting much use these years, though I’ll probably see if I can make the drug store category work this year.

Steve

Any data points for this different but related situation: if I do a product change from Premier to Rewards+, will I get a 10% bonus on points I redeem that were earned with Premier?

kk
kk

Is there a DP to confirm that product changing to this card isn’t going to start the clock on the 24 month no bonus TY rewards family cards?

Gmoney
Gmoney

i think the new language is pretty clear that its only if you received the bonus. I have a costco card i don’t use that I am product changing.. Have been trying to decide ATT vs this, think I am going to go rewards plus

Stefan Krasowski (Rapid Travel Chai)

My concern too, I won’t mess with it until I get a new Premier in a few months at my 24-month clock.

Mark
Mark

I have a recent-ish Premier. And going to dump the now useless AA card. I’ll see if I can PC to this thing and learn more.

Tom
Tom

The one watchout is that once joined together, you lose the ability to track your points. Practical example. Combine Premier 100k with Prestige 50k to have 150k combined TYP. Problem is you have no idea which points are which, from Prem or Pres points?
Then close Prestige because fee is too high. Once a/c closed TYP from prestige have to be used or they expire (30days?)……but you cannot select to redeem just the Prestige points, so in theory you could end up redeeming Premier points only to have the Prestige points expire several weeks later.

Please correct me if I am wrong on this.

CtownBin
CtownBin

Once the TYP accounts are linked, wouldn’t it be like it is with AMEX, where as long as you have one MR card open, all the MR stay alive even when you cancel another card? So in your case, all the points would just remain attached to the premier that’s left open. Don’t know for sure it works like this but if the accounts are linkable than I would hope…

Stefan Krasowski (Rapid Travel Chai)

Once you close an account you are on the clock, 60 days, to redeem the points from that card, however, they are the first to go out of your account for any redemption, they are no longer pooled like when the account is open.

Tom
Tom

thanks for the info Stefan……so are the points that will expire drained from the combined a/c as you redeem or are they first separated into some other holding location? Trying to work out if I closed my prestige, could I still get the 10% as I burn down the balance of prestige points in the combined a/c.

Ad
Ad

I attempted to switch the Citi Premier to Citi Rewards+ and I was told that I needed to wait a year before I could do the product change. Anyone else had this experience?

Pam
Pam

You can’t PC a Citi card until it’s 1 year old. It’s a hard rule.

Blue
Blue

Data point: The 10 percent rebate on transferred points to an account will NOT have an expiration date.

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