Amex Membership Rewards has 18+ international transfer partners — the deepest map in points travel. Citi ThankYou Points has fewer partners but uniquely reaches American AAdvantage at 1:1 (the only flexible bank-points to AA). For Citi-anchored travelers, AAdvantage access opens Qatar QSuite + Cathay First + JAL Sky Suite. For Amex-anchored travelers, the broader partner depth provides flexibility. Here is the head-to-head.
Citi Double Cash — 2% on everything
No annual fee. Pair with a Premier for full ThankYou transfer access.
The transfer-partner comparison
| Partner | Amex MR | Citi ThankYou |
|---|---|---|
| American AAdvantage | No | 1:1 (uniquely Citi) |
| JetBlue TrueBlue | No | 1:1 (uniquely Citi) |
| JAL Mileage Bank | No | 3:1 (unique path) |
| Delta SkyMiles | 1:1 (uniquely Amex) | No |
| ANA Mileage Club | 1:1 | 1:1 |
| Hilton Honors | 1:2 (uniquely Amex) | No |
| Aeroplan | 1:1 | 1:1 |
| British Airways Avios | 1:1 | 1:1 |
| Singapore KrisFlyer | 1:1 | 1:1 |
| Cathay Pacific Asia Miles | 1:1 | 1:1 |
| Air France-KLM Flying Blue | 1:1 | 1:1 |
| Virgin Atlantic Flying Club | 1:1 | 1:1 |
| Avianca LifeMiles | 1:1 | 1:1 |
| Turkish Miles & Smiles | 1:1 | 1:1 |
The unique Citi advantages
- AAdvantage at 1:1: The ONLY major flexible-points currency that reaches American Airlines. Opens Cathay First (110k AA), Qatar QSuite (70k AA), JAL Sky Suite (60k AA off-peak).
- JetBlue TrueBlue at 1:1: JetBlue Mint redemptions for trans-Atlantic + Caribbean.
- JAL Mileage Bank at 3:1: Direct JAL transfer (unfavorable ratio, but unique path).
The unique Amex advantages
- Delta SkyMiles at 1:1: The only flexible bank-points to Delta.
- Hilton Honors at 1:2: Doubled transfer ratio for Hilton aspirational stays.
- Hawaiian Airlines at 1:1: Direct path.
- Frequent transfer bonuses: 2-3 active per month vs Citi 1-2.
The premium card comparison
| Card | Amex | Citi |
|---|---|---|
| Premium tier | Platinum (\$895) — Centurion + 18 partners | Strata Premier (\$95) — broad 3x categories |
| Mid-tier | Gold (\$325) — 4x dining/groceries | Premier (\$95) |
| Entry / no-fee | EveryDay (\$0) | Custom Cash (\$0) + Double Cash (\$0) |
The decision matrix
| Profile | Best primary anchor |
|---|---|
| Wants AAdvantage access | Citi (uniquely AA at 1:1) |
| Wants Delta SkyMiles access | Amex (only path) |
| Heavy dining + grocery spender | Amex Gold (4x both) |
| Heavy international flyer with Centurion access need | Amex Platinum |
| Frequent Cathay/Qatar/JAL premium-cabin redeemer | Citi (AAdvantage path) |
| Lower-fee preference | Citi Strata Premier (\$95) + Custom Cash (\$0) |
| Maximum international coverage | Hold both (Amex Platinum + Citi Strata Premier) |
The "hold both" math
For travelers committed to maximum coverage:
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Amex Gold — 60,000-point welcome bonus
4x at restaurants worldwide + US supermarkets. $120 dining credit.
Amex Platinum — 100,000-point welcome bonus
Centurion Lounge access, Fine Hotels & Resorts, 5x on flights.
- Amex Platinum (\$895) + Citi Strata Premier (\$95) = \$790 combined annual fees
- Combined transfer partners: 21 unique programs at 1:1
- Combined sign-up bonuses: 80-150k MR + 60-90k ThankYou
This is the strongest combined coverage for international travelers. Combined with Chase (for Hyatt + United + Southwest), the 3-issuer stack covers the maximum partner depth available.
Free · No card required
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Bottom line
For travelers wanting AAdvantage access (Cathay First, Qatar QSuite, JAL Sky Suite), Citi is the unique path. For travelers wanting Delta access + maximum dining/grocery earning + Centurion Lounges, Amex is the stronger anchor. Most serious international travelers hold both — combined Amex Platinum + Citi Strata Premier at \$790 in combined annual fees produces the deepest international airline transfer-partner coverage available.
Compare Amex and Citi on Pointify →
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Last verified by the Pointify research team on May 1, 2026, against current Amex Membership Rewards and Citi ThankYou Points transfer-partner lists. Transfer ratios may shift; verify with each issuer before initiating a transfer.
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