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how to use 100k citi points

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what's the best way to use 100k citi points?

it depends on which airline you fly. Citi is the only big bank program that transfers to American AAdvantage, so 100,000 ThankYou points are great for American and oneworld flights. Flying Blue, Turkish, Virgin Atlantic and Singapore are strong partners too. those programs price awards differently, so compare the same flight across a few of them before you transfer. gift cards and shopping are usually the weakest use.

where you can transfer ThankYou points

Citi transfer partners as of October 20, 2026
ProgramTypeCiti points to program points
Accor Live Limitlesshotel2:1
Aer Lingus AerClubairline1:1
Aeromexico Rewardsairline1:1
Air France/KLM Flying Blueairline1:1
American Airlines AAdvantageairline1:1
Avianca LifeMilesairline1:1
Cathay Pacific Asia Milesairline1:1
Choice Privilegeshotel1:1.5
Emirates Skywardsairline5:4
Etihad Guestairline1:1
EVA Infinity MileageLandsairline1:1
JetBlue Trueblueairline1:1
Leaders Clubhotel5:1
Preferred Hotels & Resortshotel1:2
Qantas Frequent Flyerairline1:1
Qatar Airways Privilege Clubairline1:1
Singapore KrisFlyerairline1:1
Thai Royal Orchid Plusairline1:1
Turkish Airlines Miles & Smilesairline1:1
Virgin Atlantic Flying Clubairline1:1
Wyndham Rewardshotel1:1

partners and ratios change, so confirm them with Citi ThankYou Rewards before you transfer.

what to avoid

  • transferring before you find a seat. transfers to airlines and hotels can't be undone, so find the award first.
  • gift cards, shopping and statement credits. they're easy, but they usually get you much less than a flight or hotel transfer.
  • booking an award without comparing programs. the same seat can cost very different amounts through different partners.

how travelmaxx does this for you

travelmaxx is a personal ai assistant for points, credit cards, and luxury travel. tell it where you want to go and it searches award seats across every program your cards can reach, shows what each one costs in your own points, moves the points and books the trip once you approve.