How to combine Citi ThankYou accounts (and what might be getting in your way)

Citi recently broke hearts with the announcement that point sharing/transfers between Citi Thank You accounts will no longer be possible as of May 17, 2026. It’s a huge bummer that it will no longer be possible to transfer Thank You points to another cardholder.

If you have multiple cards that earn Citi Thank You Points, you can still combine your own points. Phone agents don’t always know how to do this, but if you get your profile information matching correctly, you should be able to combine your own Citi Thank You accounts online without any additional help needed. Beware of phone agents who frequently give incorrect information about combining Thank You accounts.

Points sharing (transferring to other accounts) ends May 17, 2026

For the sake of clarity, point sharing between Citi accounts will end on May 17th. Points sharing is when you effectively transfer points from one Citi ThankYou account to another Citi ThankYou account. Historically, it has been possible to share points with any other cardholder, be they family member or friend, up to 100,000 points per year. It has also long been possible to use that same Points “Sharing” (transfer) feature to transfer points between your own ThankYou points-earning cards. For instance, in the past, my wife had “shared” (i.e. transferred) points from her own Citi Double Cash to her own Citi Strata Premier card. She did that because her ThankYou accounts were not combined at the time. That is to say that she had separate ThankYou accounts for her Double Cash card and her Strata Premier card, but she ultimately wanted to transfer points to an airline or hotel program, so she “shared” points from her Double Cash to her Strata Premier and then transferred to an airline partner.

However, she has since combined her ThankYou accounts/points. She now has her Citi Double Cash, Citi Strata Premier, and Citi Strata Elite ThankYou accounts combined into a single ThankYou account, so that the points from all three of her accounts pool together into one. It is still possible to do that today, and we expect that to continue to be possible beyond May 17th.

Combining ThankYou accounts is different than sharing points

While the “Points sharing” tool shown above could historically be used to “move” points either to another cardholder or between your own ThankYou accounts, an easier way to combine forces among your own Thank You points-earning cards is to combine your ThankYou accounts. This isn’t without some disadvantages — for instance, if your points are combined, you can’t tell which points come from which card. If you combine your own ThankYou accounts and you later cancel one of your ThankYou points-earning cards, the points earned from that specific card will expire after 60 days. It isn’t easy to tell which points come from which card once you combine your ThankYou points. For more discussion as to how to decide whether combining your ThankYou points is a good decision for you, see: Should you combine ThankYou accounts?

While some readers have reported being given incorrect information from phone agents who have claimed that it is not possible to combine ThankYou accounts, you can find information about this in the Citi ThankYou frequently asked questions.

As seen in the screenshot above, it is possible to combine your ThankYou points into a single ThankYou account if you have multiple separate ThankYou accounts (which is the norm among separate ThankYou points-earning cards unless you have taken action to combine them). This functionality is only for combining your own Citi ThankYou accounts, and it can be done either through thankyou.com or by contacting ThankYou Customer Service at 1-800-THANKYOU. Note that if you call the number on the back of your credit card, you’ll be connected to Citi Customer Service, but you need to do this through ThankYou Customer Service rather than credit card customer service.

That said, you should be able to do this yourself online. However, it isn’t always easy or intuitive, especially when you run into a problem.

Combining ThankYou accounts yourself at ThankYou.com: Make sure your profiles match

When you log in to thankyou.com, you may initially need to choose which card account you want to use to access thankyou.com. Once you’ve chosen a card account, you’ll need to click on your points balance in the top right corner, then find “My Citi Accounts” in the left-side menu.

On the next page, you will see your own Citi ThankYou accounts. With any luck, you’ll see more than one account listed here, and there will be a button to combine your accounts. If you see multiple accounts and the button to combine them, it will be easy to click it and relatively intuitive to merge your ThankYou accounts together. In my wife’s case, she was able to combine her Citi Strata Premier and Citi Strata Elite accounts online without any trouble. She combined those accounts just last month.

Now, when she visits her “My Citi Accounts” page, she sees multiple accounts linked to the same ThankYou member number.

However, at first, her Citi Double Cash account did not show up with her Strata accounts when logging into thankyou.com. She could choose to log in with her Double Cash account instead, but then it brought up a separate ThankYou account number, and she did not see the ability to combine ThankYou accounts with her Strata cards.

After reading through a couple of our posts about this process and the comments from readers, I realized that the problem was likely with her profile. You will not see the ability to combine your own ThankYou accounts unless your profile information between the accounts matches exactly. When I say that the information needs to match exactly, I mean that every single field needs to be identical.

To view your profile information, you need to click on your initials in the top right-hand corner to expand the drop-down menu, where you can click on My Profile.

Once on the profile information, you need to make sure that everything matches exactly across all of the accounts you wish to combine. Pay attention to small details. In my wife’s case, her Strata cards both had a “Home Phone” and a “Mobile Phone” listed. Both fields had the same phone number, as her mobile phone is her home number.

However, her Double Cash account only had a Mobile Phone listed. Her Double Cash ThankYou account had no “Home Phone” number. Even though it was the same single phone number, the fact that her Double Cash account did not have any information in that field (and her Strata cards did) is what prevented her from being able to combine her ThankYou accounts.

She edited the profile on her Citi Double Cash ThankYou account to add her mobile phone number as a “home phone” number, and voilà! As soon as that change took effect, she was able to combine her Citi ThankYou accounts, putting all of her ThankYou points in a single balance. She did this just a couple of weeks ago.

Given the fact that simply omitting a “home phone” number from my wife’s Double Cash account initially prevented combining accounts, I imagine that it is easily possible for most people to miss a small difference between ThankYou account profiles that might cause a problem here. It could possibly be as simple as an extra blank space at the end of one’s street address, or a slight misspelling of an email address, or simply having two different work phone numbers listed for different accounts that might prevent you from combining your ThankYou accounts.

Similarly, I can imagine that some phone agents may not understand the difference between Points Sharing and Combining ThankYou accounts. If you’re clear about your desire to combine accounts, a ThankYou agent should theoretically be able to help you get that done. But it is easy to imagine a communication lapse or even an agent who doesn’t realize that there is a way to combine points that isn’t “sharing” points. Don’t be shocked if you find an agent who can’t figure out how to help; just hang up and call again if the first phone agent can’t help (or check your profile information very carefully, as that should help make self-service an option).

Bottom line

While Citi has announced the end of Points Sharing as of May 17, 2026, it remains possible to combine your own Citi ThankYou accounts if you have multiple cards that earn ThankYou points. If you do this, it would be more advisable to downgrade cards in the future than to cancel them outright in order to avoid losing points to expiration. However, many cardholders will find the convenience of “combined” / pooled points to be well worth the hassle. Note that it is not possible to combine ThankYou accounts with other cardholders (such as a household member); you’ll only be able to combine your own ThankYou accounts. Still, it might be worth considering this sooner rather than later, just in case Citi decides to limit that functionality as well — though, at this point, we have no indication that anything will change with regard to combining Citi ThankYou points.

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