Citi ThankYou Rewards is among the most dear rewards currencies available on the market.
The Citi ThankYou Rewards program affords 22 switch companions, together with American Airways AAdvantage, Singapore KrisFlyer and Wyndham Rewards. Citi ThankYou Rewards factors are among the many most dear versatile currencies, with TPG’s September 2025 valuations pegging them at 1.9 cents every — almost on par with American Specific Membership Rewards and Chase Final Rewards.
If you wish to supercharge your factors incomes and maximize your redemptions with the Citi ThankYou Rewards program, you could need to decide up the Citi Trifecta. It refers to a three-card setup of Citi bank cards that opens up robust incomes and redeeming potential.
You need to use completely different combos to construct a Citi Trifecta, and your alternative will rely upon the way you journey and redeem your factors. Let’s dive into the combos and see which one could be finest in your pockets.
What’s the Citi Trifecta?
The Citi Trifecta is a card setup containing three playing cards that earn Citi ThankYou Rewards factors.
Normally, you will need your Citi Trifecta to cowl three varieties of spending:
- A card that maximizes on a regular basis spending
- A card that earns in your high spending class
- A card that unlocks the very best redemption worth in your factors
Why do you have to get the Citi Trifecta?
If you maintain three playing cards to make a Citi Trifecta and spend deliberately with the cardboard that earns probably the most in any particular class, you will find yourself supercharging your Citi ThankYou Rewards factors incomes, which will get you to aspirational redemptions sooner.
Maximize factors incomes
Relating to incomes, you will need to choose Citi playing cards that earn bonus factors in your frequent bills.
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First, the Citi Double Money® Card (see charges and charges) is your best option for nonbonused spending, because it earns a set 2% money again on every part (1% as you purchase, plus a further 1% as you pay).
Subsequent, the Citi Customized Money® Card is a superb alternative for maximizing earnings in your high spending class. It is because it earns 5% again on the primary $500 spent inside your high eligible spending class.
The data for the Citi Customized Money has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Lastly, the Strata playing cards function bonus classes to benefit from your frequent spending, which we’ll get into later:
Get probably the most out of your redemptions
With ThankYou Rewards factors, you possibly can redeem for assertion credit, money again or reward playing cards. Nonetheless, one of the best ways to get closest to TPG’s 1.9 cents per level worth (per TPG’s September 2025 valuations) is to switch your factors to companions.
Citi’s ecosystem contains many high-value companions, similar to Air France-KLM Flying Blue, Selection Privileges and Virgin Atlantic Flying Membership.
If you switch factors to companions, it’s a must to have a premium Citi ThankYou Rewards card to obtain a full 1:1 switch ratio.
When you maintain the Citi Status® Card (not accessible to new candidates), the Strata Elite or the Strata Premier, you will obtain 1 level or mile in this system you are transferring to for each 1 ThankYou Rewards level (for most companions).
The data for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
When you do not maintain one in all these playing cards, you will obtain solely 0.7 factors or miles for each 1 ThankYou Rewards level transferred (for many companions).
Because of this we advocate including the Strata Elite or the Strata Premier to a Citi Trifecta as a substitute of the no-annual-fee Strata; the Strata will not unlock the complete 1:1 switch worth.
Associated: Greatest methods to redeem Citi ThankYou Rewards factors
Which playing cards are in a Citi Trifecta?
Here’s a breakdown of the playing cards you possibly can choose from to construct a Citi Trifecta.
Citi Double Money Card
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