Now, Citi has endured quite the criticism lately and in no means am I attempting to demean or demark their stature, but in every consumer’s perspective, it seems that Citi has taken things quite unnecessarily far and without a doubt, in the worst way possible. We honestly thought that we would hear the last of these “limits” after the gutting of the Citi Prestige, but it doesn’t stop there. After coming to terms with their new “One per card family” ordeal, I must also surrender to the new Citi ThankYou Transfer Limit. This is the cherry on top, I should say the least.
Recommended Cards From Citi:
- Expedia®+ Voyager Card from Citi
- Expedia®+ Card from Citi
- Citi® Double Cash Card – 18 month BT offer
- Citi Hilton HHonors Visa Signature Card
- Citi® Hilton HHonors™ Reserve Card
Editor’s Note: Although Citi has been quite strict lately, they still offer remarkable cards worth checking out!
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| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
New Language on Transferring Points:
Citi has put their marks on a whole new language that deviated from the past ability to transfer ThankYou Points of unlimited amounts to anyone. They have severed the unlimited transfer points norm and made it to where you are limited to only sharing 100,000 points in a given calendar year and the total points a member can receive from others is also 100,000 Points in a calendar year. If this is on a Per Person basis, then it wouldn’t seem as bad but it goes to show how this will be enforced.
Now, you may be asking yourself, how will this affect me? Sometimes it takes a group effort to accumulate something and say your family members or friends are saving up points and pooling the together on a ThankYou account with the additive benefits. For example, if you’re transferring your points to Prestige or Premier at a booked AA airfare of 1.6 cent apiece value, you’ll then be capped 100,000 per year.
Conclusion:
While this may seem to be very minimal changes, it does have a impact on the average consumer in terms of how the points are valued. In doing so, this will not only eliminate people trying to pool points through transferring from family members or friends, but it will also affect those selling points considering that there is a 100,000 Bonus Point Transfer Limit each calendar year. By limiting the transfer ability to 100K, you can expect a huge devaluation of points, making it harder to maximize point worth, but keep in mind that Citi still does offer quite the remarkable card portfolio, it’s just that you need to be more aware of their actions and language. Hopefully transferring unlimited points between your own account will still be available. Find our complete list of Credit Card Promotions today!
