Quick Verdict Transfer Rates: Premium Annual-Fee Cardholders (Citi Strata Elite, Citi Premier, Citi Prestige): Standard: 1,000 Citi Points → 1,000 JAL Miles (1:1) With 30% Bonus: 1,000 Citi Points → 1,300 JAL Miles (1:1.3) No-Annual-Fee Cardholders (Citi Double Cash, Custom Cash, Rewards+): Standard: 1,000 Citi Points → 700 JAL Miles (1:0.7) With 30% Bonus: 1,000 Citi Points → 910 JAL Miles (1:0.91) Strategic Value: JAL Mileage Bank miles are notoriously hard to earn outside