How to combine and share Citi ThankYou Rewards points

Which Citi cards are in the rewards group?

Citi's card directory groups cards by category, including "Rewards Credit Cards" and "Travel Credit Cards". On 18 October 2026 the directory showed 26 cards, with 12 in the rewards group and 8 in the travel group. [5] The rewards group includes the Citi Strata, Citi Strata Premier and Citi Strata Elite. The directory lists the Citi Strata with a $0 annual fee and the Citi Strata Premier and Citi Strata Elite with an annual fee. [5] Citi describes the Citi Strata Elite as earning ThankYou Points on travel and dining purchases; lists the Citi Strata with bonus points after qualifying purchases and earning on supermarkets, gas stations, restaurants and more; and lists the Citi Strata Premier with bonus points after qualifying purchases and earning points on travel and everyday purchases. [5]

The same directory also lists cards outside the rewards group. The Citi®/AAdvantage® Executive, Citi®/AAdvantage® Platinum Select®, Citi®/AAdvantage® Globe℠ and Citi®/AAdvantage® Business℠ cards are presented with AAdvantage® bonus miles and with miles. [5] The Citi Double Cash® Card is presented as earning cash back, and the Costco Anywhere Visa® Card by Citi earns cash back at Costco and elsewhere. [5] Citi's description of the Citi Strata Elite names ThankYou Points as the currency earned on travel and dining purchases. [5]

Combining your own cards vs sharing with someone else

Combining points and sharing points are different operations. Combining concerns points earned on more than one card you hold. Sharing concerns whether another person can use or receive your points. A second card in your own name raises the first question; a partner or family member drawing on your balance raises the second.

Two details change what you are actually doing. The first is whether the other person is an authorized user on your account or a cardholder in their own right — those are not the same arrangement. The second is what happens when a card leaves the picture: card cancellation is a distinct event from closing the account, and it is worth understanding before you consolidate a balance onto one card.

For programme terms, check the Citi pages cited at the end of this article. [5] [6]

Exceptions and limits

• Airline co-brands are presented with AAdvantage miles. The Citi/AAdvantage cards are described in the directory with AAdvantage bonus miles and with miles. [5]
• Cash back cards are presented as cash back. The Citi Double Cash Card and the Costco Anywhere Visa Card by Citi are described as earning cash back. [5]
• Citi's card descriptions use different earning wording. Citi describes the Citi Strata Elite as earning ThankYou Points on travel and dining purchases, lists the Citi Strata with earning on supermarkets, gas stations, restaurants and more, and lists the Citi Strata Premier with earning points on travel and everyday purchases. [5]

Related pages

Programme: Citi ThankYou Rewards. Guides: Citi ThankYou Rewards transfer partners and ratios, US transferable points pooling rules compared. Terms: issuer points pooling, points transfer cap, authorized user, card cancellation. Or browse the glossary.

Sources

Sources accessed on 18 October 2026. Other programmes, including American Airlines AAdvantage, Chase Ultimate Rewards, American Express Membership Rewards, Capital One miles and Bilt Rewards, are not covered here.

1. Citi credit card directory, checked 18 October 2026
2. Citi ThankYou Rewards FAQ page URL, checked 18 October 2026