Can you pass on your Citi ThankYou points when you die?
Citibank, N.A reviews requests about Citi ThankYou points after a death case by case. While alive, the account holder can use transfers to a partner program.
Protecting Citi ThankYou points while the account is active
No beneficiary designation, lifetime transfer options for points, and 8-step plan.
How to protect your Citi ThankYou points while you are alive →Someone died. Handling Citi ThankYou points after a death
Transfer is handled on a case-by-case basis, 5-step process, and 5 required documents.
What happens to Citi ThankYou points when someone dies →Citi ThankYou Points are bank-proprietary points earned on the Citi Strata Premier, Double Cash, Custom Cash and other Citi cards and on participating Citibank checking accounts, redeemed for travel, gift cards, statement credits and checks or transferred to airline and hotel partners.
Citibank, N.A decides what happens to Citi ThankYou points after a death case by case; its terms promise no transfer. While the account holder is alive, Citibank, N.A allows transfers to a partner program.
What happens to Citi ThankYou at death
- Case by case
Points are lost at death and the estate has no property rights in them, except that Citi can allow the remaining points to be redeemed for Cash Rewards on a written request from the executor or administrator within one year of the death.1
Naming who acts after a death
- Designation
There is no way to name a beneficiary for ThankYou Points; only a lawfully designated executor or administrator may redeem points on behalf of the deceased.1
Sources1
- 1.Citi ThankYou Rewards Terms and Conditions (Citi Credit Cards and Consumer Citibank Checking Accounts), Last Updated September 2026
Citibank, N.A publishes its own process for a deceased person's account: Citi Estate Servicing Center; a written request goes by mail to Thank You Service Center, PO Box 6278, Sioux Falls, SD 57117 (the address Citi publishes on the Credit Cards panel of its Estate Servicing Center for ThankYou Points documents). There is no way to name a beneficiary or successor on a Citi ThankYou account.
Sources
Data sourced from Citibank, N.A. primary sources (4 pages reviewed). How we research.
Citi ThankYou customer support
Citi ThankYou Service Center
Phone
International
TTY
Hours
Website
Is this your situation?
Get a complete guide for your specific circumstances.
New Baby or Adoption
Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.
Learn more
Marriage
What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.
Learn more
New Home
How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.
Learn more
Retirement
Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.
Learn moreForms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Revocable Living Trust
Create a revocable living trust to avoid probate, protect privacy, and control asset distribution.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Codicil to a Will
Add, revoke or replace provisions of your will and republish the rest, signed as your state requires for a will.
Tools for Planning Your Estate
Free tools for planning your estate: what a will or trust costs, whether you need a trust or TOD deed, and how documents are signed.
How Much Does a Revocable Living Trust Cost?
Compare revocable living trust costs across providers including online services and attorneys.
How Does SimplyTrust Compare to LegalZoom, Trust & Will, and Other Services?
Compare what it costs to make a trust official across SimplyTrust, LegalZoom, Trust & Will, Rocket Lawyer, and Quicken WillMaker.
Do I Need a Revocable Trust?
Find out if a revocable trust makes sense based on your state, estate value, and family situation.
Trust or Will: Which Costs Less?
Compare the cost of probate vs a trust for your state and estate value.
How Much Is the Federal Gift Tax?
Whether a gift owes federal gift tax, how much of the annual exclusion and lifetime exemption it uses, and whether Form 709 is due.
What Does Estate Planning Actually Cost?
Compare costs across estate planning providers including online services and attorneys.
