How to handle Citi cards in 2-player mode now that point sharing is dead? | Question of the Week Ep13 | 8-24-26

Frequent Miler on the Air

This episode addresses how households using Citi's transferable Thank You points should adapt their strategy now that point sharing between

Key takeaways

• Citi has eliminated the ability to transfer points between accounts, ending the previous two-player strategy where one person could consolidate points from multiple cards.
• For households with existing points, it's recommended to designate each player's points for specific loyalty programs based on their needs and preferences.

Main topics

• Citi Thank You Points program changes
• Two-player household strategy post-point-sharing removal

Notable quotes

'It's crazy to me that Citi, because previously to Citi doing this, they used to have a 100,000 point transfer limit. Now they're just completely taking that away.'

Conclusion

With point sharing now disabled, households should focus on consolidating point collection under

Transcript preview

Speaker 1 (0:01) This is a Voyescape podcast. You can find all of our travel podcasts from around the world at voyescape.com. Speaker 2 (0:11) Today's question of the week, how to handle city cards in two-player mode now that point sharing is dead. This is Greg, and while Nick is on vacation, I'm joined by Tim. Today's question of the week, GH writes in, and I've drastically simplified and paraphrased GH's question. GH sort of wrote, my old plan was to keep a single City Strata Premier card for myself, a double cash card for player two, and multiple custom cash cards across both. Now that player two can't move points to me, I need a new plan. Should Player 2 get a Strata Premier card to enable one-to-one point transfers? Or should we give up on Player 2 holding any City Thank You cards? Now, before we talk about our answer to this, I need to back up and explain some things for people who aren't familiar with all these buzzwords. First, what is Player 2? We like to talk about how... In this points and miles game, there's often one person in a household who's more into it than others, and that's the player one. And then everyone else who can maybe sign up for credit cards or do other things that kind of helps further the points for the household would be player two and maybe player three and so on. So, you know, often it's a spouse who is player two in any given couple. The other thing that you need to understand is why would anyone have had the strategy that GH described? The reason was that Citi has a number of cards that earn transferable thank you points where you can earn good multiples of points. So for example, there's the custom cash cards where you could earn five points per dollar up to $500 spend per month in certain categories. Speaker 2 (2:13) Because of that $500 limitation, it's good to have a bunch of those cards. And that way it expands your 5x capacity. The Strata Premier card gives you 3x in a bunch of categories of spend. And the Double Cash gives you 2x. Now, the only card in that pile of cards that has an annual fee is the Strata Premier with a $95 annual fee. Speaker 2 (2:38) When doing this in two-player mode, it used to be possible, like, have one person have the Strata Premier and collect as many of those useful. fee-free cards as possible and have the other person collect as many of those fee-free cards as possible. And then you were able to combine points. There was a limit of 100,000 points a year, but at least you're able to move points from player two to player one and then transfer them on to airline and hotel partners. So that's what made it all great