Citi ThankYou to Wyndham 25% Transfer Bonus: Is It Worth It in 2026?

Last updated: February 24, 2026

Key Takeaways

• The Citi ThankYou to Wyndham 25% transfer bonus has run approximately 6 times since 2021, typically every 4 to 6 months — making it a predictable seasonal promotion rather than a rare event.
• Strata Premier and Strata Elite cardholders receive the full 1:1.25 ratio (1,000 Citi points = 1,250 Wyndham points). Other Citi cardholders receive only 875 Wyndham points per 1,000 ThankYou points, even with the bonus applied.
• Wyndham points are generally valued at 0.9–1.1 cents per point (CPP) for the best redemptions, meaning this bonus can push effective Citi CPP to roughly 1.1–1.4 CPP for hotel stays — below the 1.9 CPP benchmark for Citi points used toward airline partners.
• The best Wyndham redemptions are Wyndham Vacation Club condos at 7,500 points/night and select budget/roadside properties, not aspirational resorts.
• Transfers are irreversible — never transfer without a confirmed redemption target and verified award availability.
• This bonus is best for travelers who have a specific Wyndham stay already identified and lack Wyndham points to cover it. It is not a general “maximize your points” move for most advanced travelers.
• Competing transfer bonuses from Chase (Marriott, Virgin Atlantic) and Capital One (Japan Airlines) currently offer stronger CPP outcomes for travelers prioritizing premium cabin flights.
• Wyndham co-branded cardholders get an additional 10% discount on award redemptions, which stacks with the transfer bonus for further value.
• Always verify the bonus is live before transferring — check the Citi ThankYou portal directly, as promotions are not always announced publicly in advance.

Quick Answer

The Citi ThankYou to Wyndham 25% transfer bonus is a recurring promotion that has appeared roughly every four to six months since 2021. When active, it gives Strata Premier and Strata Elite cardholders 1,250 Wyndham points per 1,000 Citi ThankYou points transferred. For travelers with a specific Wyndham Vacation Club or budget hotel stay already identified, this bonus can deliver 1.1–1.4 CPP — a reasonable outcome for hotel points, but still below what Citi points can achieve through airline partners like Turkish Miles&Smiles or Singapore KrisFlyer. Transfer only if you have a confirmed redemption target and verified availability.

How the Citi ThankYou to Wyndham 25% Transfer Bonus Works

The mechanics are straightforward. Under a standard (non-bonus) transfer, Citi Strata Premier and Strata Elite cardholders transfer at a 1:1 base ratio — 1,000 Citi ThankYou points become 1,000 Wyndham Rewards points. When the 25% bonus is active, that ratio becomes 1:1.25, so 1,000 Citi points yield 1,250 Wyndham points.

Here’s what that looks like at scale:

A Strata Premier cardholder transferring 60,000 Citi ThankYou points during the bonus window receives 75,000 Wyndham points — enough for four nights at select Wyndham Vacation Club properties at 7,500 points each, with 45,000 points remaining for additional redemptions. Outside the bonus window, those same 60,000 Citi points yield only 60,000 Wyndham points, covering four nights at 7,500 points each with 30,000 remaining. The bonus adds real margin.

Transfer mechanics to know:

• Minimum transfer: 1,000 Citi ThankYou points per transaction
• Maximum transfer: 500,000 points per transaction
• Reversibility: None — transfers are permanent and cannot be returned
• Name matching: First and last names must match exactly across both the Citi ThankYou and Wyndham Rewards accounts
• Processing time: Typically 1–3 business days, though some transfers post within hours

Common mistake: Initiating a transfer before confirming award availability at your target property. Wyndham award space, especially at Vacation Club properties, can be limited — always search and confirm the dates you want before moving a single point.

For a full breakdown of how Citi’s transfer partner roster compares to Chase and Amex, see our Comparing Transfer Partners 2026: Chase vs Amex vs Citi vs Capital One guide.

Which Citi Cards Get the Full Bonus — and Which Don’t

This is where many readers get tripped up. The 25% bonus headline applies to all eligible Citi cardholders, but the base transfer ratio differs by card, and that difference matters significantly.

Full 1:1.25 Ratio (Strata Premier and Strata Elite)

Cardholders with the Citi Strata Premier or Citi Strata Elite receive the full 1:1 base ratio, which becomes 1:1.25 with the bonus applied. These are the cards where the promotion delivers its stated value.

Reduced Ratio for Other Citi Cards

Cardholders with the Citi Double Cash, Custom Cash, ThankYou Preferred, or Strata Card transfer at a lower base ratio. Even with the 25% bonus applied to that lower base, the effective output is only 875 Wyndham points per 1,000 Citi ThankYou points transferred.

That means the “25% bonus” for non-premium cardholders actually results in a 12.5% net loss compared to what a Strata Premier holder receives at the standard (non-bonus) 1:1 rate. This is not a typo — it’s a structural feature of how Citi tiers its transfer access.

Decision rule: If you hold only a non-premium Citi card, this transfer bonus is not worth using. The math doesn’t work in your favor. Focus on earning toward a Strata Premier if Citi ThankYou is part of your long-term strategy.

For a deeper look at which Citi cards unlock the best transfer partner access, see our Citi Transfer Partners Guide.

Best Ways to Use Wyndham Points After the Transfer

Wyndham Rewards has a reputation as a “budget” hotel program, and that reputation is mostly accurate — but it has genuine sweet spots worth knowing. The goal is to identify redemptions where Wyndham points deliver at or above 1.0 CPP, which is the threshold where this transfer bonus starts to make sense.

Sweet Spot 1: Wyndham Vacation Club Condos (7,500 Points/Night)

This is the single best use of Wyndham points. Select Wyndham Vacation Club condo properties price at 7,500 points per night regardless of season or room type, including multi-bedroom units that would cost $200–$350+ per night in cash. The cash-to-points ratio at these properties can push effective CPP to 1.5–2.0 cents, well above the program average.

Example A — 4-Night Wyndham Vacation Club Condo Booking

Assumptions: Strata Premier cardholder, 25% bonus active, target property priced at 7,500 points/night, cash rate $250/night

• Citi points needed to generate 30,000 Wyndham points (4 nights × 7,500): 24,000 Citi points (because 24,000 × 1.25 = 30,000)
• Cash value of 4 nights at $250/night: $1,000
• Effective CPP: $1,000 ÷ 24,000 = ~4.17 cents per Citi point

That’s an exceptional outcome — but it depends entirely on finding a Vacation Club property with both availability and a cash rate meaningfully above $187.50/night (the breakeven at 1.5 CPP for Citi points). These properties exist, but availability requires advance planning and flexibility on dates.

If the Wyndham co-branded card 10% discount applies, the same 4 nights costs only 27,000 Wyndham points, requiring just 21,600 Citi points — pushing effective CPP even higher.

Sweet Spot 2: Budget Roadside and Domestic Hotels

Wyndham’s portfolio includes Days Inn, Super 8, La Quinta, and Travelodge properties that often price at 7,500–15,000 points/night and carry cash rates of $80–$130/night. These are solid redemptions for road trips, family travel, or overnight stops.

Example B — 2-Night Budget Domestic Hotel

Assumptions: Strata Premier cardholder, 25% bonus active, property at 7,500 points/night, cash rate $95/night

• Citi points needed to generate 15,000 Wyndham points (2 nights × 7,500): 12,000 Citi points
• Cash value of 2 nights at $95/night: $190
• Effective CPP: $190 ÷ 12,000 = ~1.58 cents per Citi point

This is a reasonable outcome — above the 1.0 CPP floor — but it’s below what Citi points can achieve through airline partners. The case for this redemption is convenience and simplicity, not maximum value extraction.

Example C — Higher-Category Wyndham Resort

Example C — 2-Night Higher-Category Resort

Assumptions: Strata Premier cardholder, 25% bonus active, property at 30,000 points/night (higher tier), cash rate $180/night

• Citi points needed to generate 60,000 Wyndham points (2 nights × 30,000): 48,000 Citi points
• Cash value of 2 nights at $180/night: $360
• Effective CPP: $360 ÷ 48,000 = ~0.75 cents per Citi point

This is a poor outcome. Higher-category Wyndham properties often carry elevated point costs without proportionally higher cash rates. At 0.75 CPP, you’d be better off using Citi points in the travel portal (typically 1.0–1.25 CPP depending on card) or saving them for an airline transfer.

Best for / Not for:

• ✅ Best for: Travelers with a specific Vacation Club condo stay identified, road-trippers using La Quinta or Days Inn, families needing multi-bedroom units
• ❌ Not for: Aspirational resort bookings, travelers without a confirmed property and dates, anyone whose primary goal is premium cabin flights

For more on how Wyndham fits into a broader hotel points strategy, see the Wyndham Rewards Transfer Partners Guide.

Is the Citi ThankYou Wyndham Transfer Bonus Better Than Transferring to Airlines?

For most advanced Citi ThankYou cardholders, the honest answer is no — airline partners offer higher ceiling CPP values. But the comparison isn’t always straightforward, and there are specific scenarios where Wyndham wins.

The Airline Partner Case

Citi ThankYou’s strongest transfer partners for premium cabin awards include:

• Turkish Airlines Miles&Smiles: Business class to the U.S. from Europe or Asia at 45,000–62,500 miles round-trip on Star Alliance partners. At 1.9 CPP (TPG’s 2026 Citi valuation), 62,500 Citi points transferred to Turkish could cover a business class redemption worth $1,500–$2,500+ in cash fares.
• Singapore Airlines KrisFlyer: Premium economy and business class on Singapore’s own metal, including Suites on select routes. Transfers at 1:1.
• Air France/KLM Flying Blue: Monthly Promo Awards frequently offer 25–50% discounts on specific routes, making Flying Blue one of the most dynamic airline partners in the Citi ecosystem.

For a deeper look at how to get the most out of these airline partnerships, see our guide to Maximizing Citi ThankYou Points: Top Transfer Partners.

The Wyndham Case

Wyndham wins in three specific scenarios:

1. You’ve found a Vacation Club condo at 7,500 points/night with a cash rate above $200/night. The math produces 2.0+ CPP on Citi points — competitive with mid-tier airline redemptions.
2. You have a hotel stay need, not a flight need. If the trip is domestic and you’re driving, Wyndham’s La Quinta or Travelodge portfolio is genuinely useful.
3. You have excess Citi points with no near-term airline redemption planned. Rather than letting points sit idle, a well-targeted Wyndham redemption can extract value before potential devaluations.

CPP Comparison at a Glance

Bottom line: If you have a premium cabin flight redemption target with confirmed award availability, airline partners beat Wyndham on CPP almost every time. The Wyndham bonus is a secondary play — valuable in the right context, but not a primary strategy for maximizing Citi ThankYou points.

For context on how transfer bonuses across programs compare right now, see our Transfer Bonus Strategy: When to Transfer Points in 2026 guide.

Should You Transfer Now or Wait? A Decision Framework

This is the most practical question, and it deserves a direct answer rather than a generic “it depends.”

Transfer Now If:

• ✅ The bonus is confirmed live in your Citi ThankYou portal
• ✅ You have a specific Wyndham property and dates already identified
• ✅ You’ve confirmed award availability at that property
• ✅ You hold a Strata Premier or Strata Elite card (full 1:1.25 ratio)
• ✅ The effective CPP for your target redemption is at or above 1.25 cents
• ✅ You have no near-term airline redemption planned for these points

Wait (or Don’t Transfer) If:

• ❌ You haven’t confirmed award availability at a specific property
• ❌ You hold a non-premium Citi card (875 points per 1,000 transferred — a net loss vs. Strata Premier standard rate)
• ❌ You’re considering a higher-category Wyndham resort (CPP likely below 1.0)
• ❌ You have a premium cabin flight redemption target — save the Citi points for Turkish, KrisFlyer, or Flying Blue
• ❌ The bonus isn’t currently live — this promotion recurs, so there’s no reason to transfer at standard rates while waiting for the next window

The Recurring Nature of This Promotion

This bonus has appeared approximately six times since 2021, roughly every four to six months. That pattern matters for decision-making: if you miss a window, another will likely open within a few months. There’s no reason to rush a transfer without a confirmed redemption target just because a bonus is active. The urgency framing in promotional materials is real (deadlines are hard), but the strategic urgency is lower than it appears given the promotion’s recurrence.

Edge case: If Wyndham Rewards undergoes a devaluation — raising point costs for Vacation Club properties above 7,500 points/night — the math on this entire strategy changes. Wyndham has historically been more stable than airline programs on this front, but it’s not immune. Transfer only what you plan to use within a reasonable timeframe.

Step-by-Step: How to Complete the Transfer Before the Deadline

When a Citi ThankYou to Wyndham transfer bonus is active, here’s the exact process to execute it correctly.

Step 1: Verify the bonus is live Log into your Citi ThankYou account at thankyou.com. Navigate to “Use Points” → “Transfer to Travel Partners.” Look for a Wyndham Rewards entry with a bonus indicator. Do not rely on third-party announcements alone — confirm the bonus and its expiration date directly in the portal before proceeding.

Step 2: Confirm your Wyndham account details Log into your Wyndham Rewards account. Note your member number. Verify that your first and last name in Wyndham exactly matches your Citi ThankYou account. Even minor discrepancies (middle name included, hyphenated surnames) can cause transfer failures.

Step 3: Identify and confirm your redemption target Search for your target property on Wyndham.com using the “Use Points” filter. Confirm the points cost per night and that your desired dates show award availability. Screenshot or note the exact points required.

Step 4: Calculate the Citi points needed Divide the required Wyndham points by 1.25 to determine the Citi points needed under the bonus.

• Example: 30,000 Wyndham points needed ÷ 1.25 = 24,000 Citi points to transfer

Round up to the nearest 1,000 (minimum transfer increment) if needed.

Step 5: Initiate the transfer In the Citi ThankYou portal, select Wyndham Rewards as the destination, enter your Wyndham member number, and input the number of Citi points to transfer. Review the confirmation screen to verify the bonus is applied and the Wyndham points total is correct before submitting.

Step 6: Wait for the transfer to post Most transfers post within 1–3 business days. Do not book the award until the points appear in your Wyndham account — award availability is not held during the transfer period.

Step 7: Book the award immediately once points post Award availability can disappear. As soon as the Wyndham points appear in your account, complete the booking.

Common pitfall: Transferring more points than needed “just in case.” Wyndham points have limited use outside of Wyndham properties, and excess balances are difficult to redeem at high value. Transfer only what the specific booking requires.

How Citi ThankYou Compares to Other Bank Ecosystems for Hotel Transfers

Citi ThankYou is sometimes treated as a secondary flexible currency behind Amex Membership Rewards and Chase Ultimate Rewards. For hotel transfers specifically, that perception is partially justified — but Citi has a distinct advantage in the Wyndham relationship.

Amex Membership Rewards transfers to Hilton Honors (1:2 ratio) and Marriott Bonvoy (1:1 ratio with 5,000-point bonus per 60,000 transferred). Hilton points are generally valued at 0.5–0.6 CPP, making the 1:2 transfer ratio less compelling than it appears. Marriott transfers are rarely recommended due to the program’s complexity and generally low CPP for most redemptions. For a full breakdown, see our Comparing Transfer Partners 2026 guide.

Chase Ultimate Rewards transfers to Hyatt (1:1) — the strongest hotel transfer partner in any bank ecosystem, with CPP regularly reaching 1.5–2.5 cents at aspirational properties. Chase also transfers to IHG and Marriott, but Hyatt is the standout. See our World of Hyatt Award Chart 2026 for current sweet spots.

Citi ThankYou transfers to Wyndham (1:1 base for premium cards) — the only bank-to-Wyndham transfer path available. If Wyndham is part of your hotel strategy, Citi is the only flexible currency that gets you there.

Capital One does not transfer to hotel programs in the same way, focusing primarily on airline partners.

For travelers whose hotel strategy centers on Wyndham — particularly Vacation Club properties or budget domestic stays — Citi ThankYou is the only transferable points currency that delivers. That’s a narrow but real advantage.

For a broader look at how each bank’s hotel transfer options stack up, see our Hotel Transfer Partners Directory 2026.

Common Mistakes to Avoid With This Transfer Bonus

1. Transferring without confirmed award availability The most common and costly error. Wyndham award space at Vacation Club properties is not unlimited, and dates can disappear. Always confirm availability before transferring.

2. Assuming the bonus applies to all Citi cards equally Non-premium Citi cardholders receive 875 Wyndham points per 1,000 Citi points — even with the bonus. This is a net loss compared to the Strata Premier standard rate. Check your card tier before initiating any transfer.

3. Transferring for higher-category Wyndham resorts The CPP math at higher-tier Wyndham properties rarely justifies using Citi ThankYou points, which can achieve 2.0+ CPP through airline partners. Reserve the airline partners for aspirational travel; use Wyndham for practical stays where the math works.

4. Treating this as a “rare opportunity” requiring immediate action This bonus has run six times since 2021. If the current window doesn’t align with a specific redemption need, waiting for the next iteration is a perfectly valid strategy.

5. Ignoring the Wyndham co-branded card 10% discount If you or a travel companion holds a Wyndham Rewards credit card, the 10% discount on award redemptions stacks with the transfer bonus. A 4-night Vacation Club stay at 7,500 points/night drops to 27,000 points instead of 30,000 — a meaningful difference when calculating Citi points needed.

FAQ

Is the Citi ThankYou to Wyndham 25% transfer bonus currently active in 2026? As of February 23, 2026, no active Citi ThankYou to Wyndham bonus has been confirmed. The most recent iteration ran August–September 2025. Check your Citi ThankYou portal directly for current promotions, as these bonuses are not always announced publicly before appearing in accounts.

Which Citi cards qualify for the full 1:1.25 ratio? Only the Citi Strata Premier and Citi Strata Elite receive the full 1:1 base ratio, which becomes 1:1.25 with the 25% bonus. All other Citi cards transfer at a lower base ratio, resulting in only 875 Wyndham points per 1,000 Citi points even with the bonus applied.

How long does a Citi to Wyndham transfer take? Most transfers post within one to three business days, though some process within hours. Do not book your Wyndham award until the points appear in your Wyndham account — availability is not held during the transfer period.

Can I reverse a Citi ThankYou to Wyndham transfer if I change my mind? No. Transfers are permanent and cannot be reversed. This is the primary reason to confirm award availability before initiating any transfer.

What is the best use of Wyndham points after transferring? Wyndham Vacation Club condos priced at 7,500 points per night are the strongest redemption, particularly for multi-bedroom units with cash rates above $200/night. Budget domestic hotels (La Quinta, Days Inn, Super 8) at 7,500 points/night are the second-best use for practical travel.

How does the Wyndham co-branded card discount work with this bonus? Wyndham Rewards credit cardholders receive a 10% discount on award redemptions, reducing the points required per night. This discount stacks with the transfer bonus — meaning you can transfer fewer Citi points to cover the same stay.

Is transferring Citi points to Wyndham better than using the Citi travel portal? It depends on the redemption. The Citi travel portal typically delivers 1.0–1.25 CPP. Wyndham Vacation Club condos at 7,500 points/night can deliver 1.5–2.0+ CPP on Citi points — better than the portal. Higher-category Wyndham properties often deliver 0.6–0.9 CPP — worse than the portal. Always calculate before transferring.

How often does this bonus recur? Based on historical patterns, approximately every four to six months since 2021 — roughly six times total. It’s a predictable seasonal promotion, not a one-time event.

What is the minimum transfer amount? 1,000 Citi ThankYou points per transaction. The maximum is 500,000 points per transaction.

Should I transfer Citi points to Wyndham instead of Turkish Miles&Smiles or Singapore KrisFlyer? Only if you have a specific Wyndham redemption that delivers 1.25+ CPP and no near-term premium cabin flight redemption planned. Turkish and Singapore consistently offer higher CPP ceilings for business and first class awards. Prioritize airline partners for aspirational travel; use Wyndham for practical hotel stays where the math works.

What happens if I transfer points but the award disappears before I can book? Your Wyndham points remain in your account but may be difficult to redeem at equivalent value elsewhere in the Wyndham portfolio. This is why confirming availability before transferring is non-negotiable.

Do Wyndham points expire? Wyndham Rewards points expire after 18 months of account inactivity. Any qualifying earning or redemption activity resets the clock. If you transfer Citi points to Wyndham, ensure you have a redemption planned within that window.

Conclusion and Next Steps

The Citi ThankYou to Wyndham 25% transfer bonus is a legitimate, recurring promotion with real value — but only in specific circumstances. For Strata Premier and Strata Elite cardholders with a confirmed Wyndham Vacation Club condo stay or a practical domestic hotel need, the bonus can push effective Citi CPP to 1.5–2.0 cents, which is a solid outcome for hotel points.

For everyone else — non-premium Citi cardholders, travelers targeting aspirational resorts, or anyone without a confirmed redemption target — the math doesn’t support transferring, and the recurring nature of this promotion means there’s no strategic cost to waiting.

Your next steps:

1. Check your Citi ThankYou portal now — log in at thankyou.com and navigate to transfer partners to see if a Wyndham bonus is currently live.
2. Identify your redemption target first — search Wyndham.com for your target property and dates before moving any points.
3. Calculate your effective CPP — use the examples in this guide to verify the math works for your specific booking.
4. Verify your card tier — confirm you hold a Strata Premier or Strata Elite before expecting the full 1:1.25 ratio.
5. Compare against airline alternatives — if you have a premium cabin redemption target, review Turkish Miles&Smiles, Singapore KrisFlyer, and Flying Blue before committing Citi points to Wyndham.

For related reading:

• Maximizing Citi ThankYou Points: Top Transfer Partners — full breakdown of Citi’s airline and hotel partners ranked by value
• Transfer Bonus Strategy: When to Transfer Points in 2026 — decision framework for timing transfers across all bank currencies
• Comparing Transfer Partners 2026 — Chase vs. Amex vs. Citi vs. Capital One side by side
• Wyndham Rewards Transfer Partners Guide — complete Wyndham program overview including earning, redemption, and partner details
• How to Use Transfer Bonuses to Maximize Your Travel Rewards — broader framework for evaluating any transfer bonus across programs

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