When you’re a Citi cardholder, you will have taken benefit of the flexibility to share Citi ThankYou Rewards factors with different members to unlock bigger rewards like flights and resort stays — a characteristic that has lengthy set Citi other than opponents.
That profit goes away. Starting Could 17, Citi will eradicate its Factors Sharing characteristic.
Here is what it is advisable know.
Citi to finish capacity to share factors in Could 2026
Citi will discontinue Factors Sharing as a ThankYou Rewards redemption choice for all bank cards that earn ThankYou Rewards factors beginning Could 17.
This modification applies to Citi’s complete ThankYou Rewards ecosystem, no matter which eligible bank card you maintain.
Cardmembers can be notified of the change on upcoming billing statements. Till then, factors can nonetheless be shared between accounts, with Could 16 marking the ultimate day to ship or obtain factors.
A part of what made this characteristic worthwhile was its flexibility. Citi allowed cardmembers to share factors with anybody, with out requiring them to be in the identical family — not like opponents comparable to Chase. These factors could be redeemed for journey, money again and present playing cards or transferred to airline and hotel partners, making it simpler to mix rewards for bigger redemptions.
Whereas shared factors expire after 90 days, many cardmembers used the characteristic strategically to rapidly pool and redeem rewards.
What’s altering (and what’s not)
After Could 17, cardmembers will now not be capable to ship ThankYou Rewards factors to or obtain ThankYou Rewards factors from different accounts.
Reward your inbox with the TPG Day by day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
Nonetheless, Citi confirmed that pooling factors throughout your personal accounts won’t be affected. Cardmembers can nonetheless mix factors earned from multiple Citi cards right into a single ThankYou Rewards account.
What this implies for cardmembers
The removing of factors sharing eliminates a worthwhile layer of flexibility throughout the ThankYou Rewards program.
As soon as the characteristic is discontinued, cardmembers will now not be capable to mix factors with mates, relations or journey companions — limiting how rewards can be utilized throughout accounts. For individuals who relied on shared factors to book trips or entry sure redemption choices, this variation might require a shift in strategy.
Going ahead, maximizing Citi factors will rely extra closely on how factors are earned and managed inside a single account.
Backside line
Citi’s determination to cast off its Factors Sharing characteristic is a transparent loss for cardmembers who relied on the characteristic to mix rewards throughout accounts. When you’ll nonetheless be capable to pool factors inside your personal accounts, transferring factors to others will now not be an choice after Could 16.
When you’re planning to share points with another cardmember, you may must act earlier than the deadline.
Associated studying:
Trending Merchandise
