Middle Age Miles

Citi ThankYou Rewards+ 10% Rebate Applies to All TYP Redemptions from Linked Account – Experiment Success!

citi thankyou rewards+ rewards plus 10% 10 percent rebate applies to all thankyou thank you point redemptions linked account
Citi ThankYou Rewards+ Card

Introduction: The Experiment

Two months ago, we set up an experiment with the new Citi ThankYou Rewards+ card. We product-changed a Citi AA Platinum card to the Rewards+ card. We wanted to explore a then-unanswered question – if you linked a Rewards+ card to a ThankYou account that’s also linked to and contains points from other ThankYou Point (TYP) earning cards, would the 10% Rewards+ rebate apply to all redemptions from that ThankYou account?

You can read our article where we set up the experiment here:

If the experiment was a success, the Rewards+ card could be quite valuable, especially for a no-annual-fee card. The rebate is good on up to 100,000 TYPs in redemptions per calendar year. For us, we hold three TYP-earning cards – a Prestige, a Premier, and an AT&T Access More. We easily earn and redeem more than 100,000 TYPs each year. A successful experiment with the 10% rebate would give us an extra 10,000 TYPs each year. At our baseline value of 1.25 cents per TYP, this benefit would be worth $125 per year.

After we product-changed to the Rewards+, we called the Citi ThankYou Service Center (800-842-6596), to link our Rewards+ card to our existing TY account. This was accomplished easily. The accounts showed as linked in our online Citi account within a day.

Interim Good News About the Rewards+ 10% Rebate

While we were in the midst of running our experiment, we received some great news. Our experiment was highly likely to be successful. Harlan of Out and Out had made a similar play. He product changed a Citi Diamond Preferred card to the Rewards+ and linked his TY accounts by calling. He then transferred 16,000 TYPs to Qantas. And the 10% Rewards+ rebate worked – once his next Rewards+ statement closed, Harlan received a rebate of 1,600 TYPs back into his TYP account!

You can read Harlan’s article confirming the successful 10% Rewards+ rebate here:

A few days later, reader HS provided us with a further confirming data point, in the comments to our earlier article where we set up this experiment. HS product-changed a ThankYou Preferred card to Rewards+. Because his original Preferred card was a TYP-earning card that was already linked, he didn’t have to do anything further on that end. He purchased airline tickets with TYPs earned on his Prestige card about a week after the product change, and he received the 10% rebate.

With all this good news, we were now pretty certain that our own experiment would be successful.

Completing Our Own Rewards+ 10% Rebate Experiment – Success!

A few days ago, we made our first TYP redemption since product-changing to the Rewards+ and linking our TYP accounts. We purchased an airline ticket that would have cost $359.60, paying 28,768 TYPs (at 1.25 cents per TYP). Later that same day, we received an email from Citi ThankYou Rewards with the subject line, “you received Points Back from your recent redemption.”

The email proceeded to confirm that we would receive 2,877 TYPs back into our TY account, following our next statement cycle:

Thus, our own experiment further confirmed the now-known data point. The Rewards+ 10% rebate does apply to all redemptions of TYPs from linked accounts. That means that you can earn TYPs on high-earning cards such as the Prestige, Premier and AT&T Access More, and still receive the 10% rebate when you redeem those points. That’s up to 10,000 bonus TYPs per calendar year from a no-fee card!

Put another way, if you’re redeeming TYPs for 1.25 cents per point through the TY Travel Portal, the 10% rebate ups the return to 1.39 cents per point. Doing the math from our example, our $359.60 ticket cost us net 25,891 TYPs (28,768 minus 2,877). $359.60 divided by 25,891 TYPs equals 1.39 cents per point.

Next Question About the Rewards+ Rebate

Is there any chance that the 10% Rewards+ rebate would stack if you had two Rewards+ cards linked to the same TY account?

We’ve seen this question asked, but we haven’t seen any answers yet. We’d make an educated guess that this would not work.

But if anyone has tried two Rewards+ cards on the same TY account, would you please let us know in the Comments? Thank you!

We’ve also considered a different experiment of having 2 TY accounts, with a Rewards+ card attached to each. For example, we could product change a card that’s not currently linked to TY account to a Premier card. That would give us a 2nd TY account (and it would be eligible for 1.25 cent travel redemptions). Then we could product change another Citi card to a Rewards+ and link it to the 2nd TY account. We suspect that in that case, TYP redemptions from the 2nd TY account would indeed earn the 10% Rewards+ rebate. But would the juice be worth the squeeze? This would cost us an additional $95 annual fee for the Prestige, in hopes of getting an extra 10,000 TYPs by making redemptions eligible for the 10% rebate. Probably not worth the time and trouble. But if you have a DP on this, please let us know!

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13 thoughts on “Citi ThankYou Rewards+ 10% Rebate Applies to All TYP Redemptions from Linked Account – Experiment Success!

  1. George

    Thanks for the DP! I converted a ThankYou Preferred to the Premier and a Diamond Preferred to the Rewards+ recently, and have been earning TYPs at a good clip. Glad to know they’ll go a little further.

    You also don’t have to call to link the accounts. The CSR that handled the latter conversion told me to do it online; I did so, and they merged instantly.

    1. Craig at Middle Age Miles Post author

      Hi George – Many thanks for the comment and data point on being able to link online. I’ve long been, how to say this nicely, less than fully confident in Citi IT, so I’ve preferred to call. Seems like I used to see DPs of issues with online linking, but now that you mention it, I don’t think I’ve seen anything like that in a while now. I’m very glad it worked smoothly for you, and that’s a good tip.

      It’s definitely pretty nice to get the Rewards+ TYP rebate. We’ve been piling up TYPs too, mostly from the AT&T Access More card, but also supplemented by putting some dining spend and a couple of 4NF stays on the Prestige.

      If you think of it, comment again to let us know when you decide on what you’re doing to redeem TYPs – hopefully for an awesome trip! And thanks again for reading Middle Age Miles! ~Craig

      1. George


        Can’t say I’ve always been satisfied with Citi’s site, but I’ve had no problems in the last year or so.

        I did these conversions in the last few months, and I wasn’t focused on earning TYP before, so I have a laughably low amount. EWR being my home airport, the best I can do short-term is supplement MR transfers to Singapore or Avianca. Your Dubrovnik trip report piqued my interest, that might be our next redemption 🙂

        1. Craig at Middle Age Miles Post author

          Dubrovnik was terrific. I’m guessing you’re mostly a United guy as EWR is your home airport, but note that AA is starting direct flights from PHL to DBV as of June 7. That non-stop would make a trip to Dubrovnik a lot easier if you can make it work for you!

  2. Brett Hamilton

    Craig, Thanks for this. I would like to switch over my Double Cash Card to TY Rewards+. I think this will reset my 2 year clock on getting a new TY card. Correct? I was aiming at getting the Prestige. Most likely, I will get that card under my wife’s ss# anyway. I just want to know what I am up against. Thanks! Brett

    1. George

      The 2 year clock resets only when (a) receiving a sign-up bonus for, or (2) closing, a card in the family. A non-ThankYou card being converted to a ThankYou card does not reset the clock.

    2. Craig at Middle Age Miles Post author

      Hi Brett – Thanks for the question. I agree with George that this product change will not reset your 24-month clock for getting a new Prestige card. Get the Prestige quickly so you can take advantage of the last few months of 4th night free before it ends on 9/1/19! ~Craig

      1. Brett Hamilton

        Since you both agree I am going to trust your response. It does not agree with this video though:


        If you skip ahead to the 3:00 min mark Sebby says that all changes (applications, cancellations, product changes) to your card within a product group reset the two year clock.

        If you change your minds let me know. I am not in a hurry to make that card change but I want to finish that two year clock asap.


        1. George

          Citi’s wording:

          “Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+℠, Citi ThankYou® Preferred, Citi ThankYou® Premier/Citi Premier℠ or Citi Prestige®, or if you have closed any of these cards, in the past 24 months.”

          Have you, in the last 24 months:
          – earned a TYP-family card SUB?
          – closed a TYP-family card?
          – – > PCs TO other families count as closures
          – – > PCs WITHIN the family supposedly count as closures if the card number changed

          If both answers are NO, and the Double Cash > Rewards+ conversion doesn’t come with a SUB (I’ve never seen SUBs offered on Citi card conversions), you’re in the clear.

          1. Brett Hamilton

            Great response. Thanks a lot George! I changed a Citi Premier to a Citi Preferred. I will have to look and see if the card number changed. I cannot remember?

  3. Brett Hamilton

    Yes! Account number the same. That means I should be eligible again for a bonus in Sept. Thanks for your help.

    1. Craig at Middle Age Miles Post author

      Hi WL – Good terminology question. Yes, I mean the same thing by “linking” and “combining” TYP accounts. Thanks for reading! ~Craig

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