Citi

Bonus Points Offer Balance transfers, Citi Flex Loans, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) are not purchases. Purchases must be posted to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Offer available to new Citi Strata Card cardmembers approved through this offer. Bonus ThankYou^® Points are not available if you received a new account bonus for Citi Strata℠, Citi Strata Student, Citi Rewards+^® or Citi Rewards+ Student account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Strata℠, Citi Strata Student, Citi Rewards+^® or Citi Rewards+ Student account. Summary of the Citi Strata Card Terms and Conditions Citi^® ThankYou^® Rewards With the Citi Strata Card, you can earn ThankYou Points for purchases made on your card. Unless you are participating in a limited-time offer, you will earn: 5 ThankYou Points for each $1 spent on hotels, car rentals, and attractions booked through Citi Travel^® via cititravel.com or 1-833-737-1288 (TTY:711) 3 ThankYou Points for each $1 spent at Supermarkets 3 ThankYou Points for each $1 spent on Select Transit purchases and at Gas & EV Charging Stations 3 ThankYou Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores) 2 ThankYou Points for each $1 spent at Restaurants 1 ThankYou Point for each $1 spent on All Other Purchases The following definitions and non-qualifying purchases apply to the categories listed above: Citi Travel – You will earn 5 ThankYou Points for each $1 spent on hotels, car rentals, and attractions when you use your Citi Strata Card to book through Citi Travel via cititravel.com or 1-833-737-1288 (TTY:711). For bookings made with a combination of points and your Citi Strata Card, only the portion paid with your card will earn points. Points are not earned on cancelled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel by Agoda. Supermarkets – Excludes purchases at general merchandise/discount superstores, freezer/meat locker provisioners, dairy product stores, miscellaneous food/convenience stores, markets, drugstores, warehouse clubs, wholesale clubs, specialty vendors, bakeries; candy, nut and confectionery stores, and meal kit delivery services. You also won't earn 3X Points for purchases made at online supermarkets if the merchant does not classify itself as a supermarket by using the supermarket merchant category code. Select Transit and Gas & EV Charging Stations – Select transit includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals. Also includes merchants that sell electricity for charging an electric vehicle. Excludes bike/scooter rentals, auto clubs and insurance companies. Gas stations exclude gas purchases at warehouse clubs, wholesale stores, superstores, discount stores, department stores, convenience stores or other merchants that do not use the gas station merchant codes. Restaurants – Includes purchases at cafes, bars, lounges, fast-food restaurants, restaurant delivery services, and take out restaurants. Excludes purchases at bakeries, caterers, and restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs). You will earn 1 ThankYou Point per $1 spent on restaurant gift card purchases if the merchant uses the restaurant merchant category code for those transactions. Select Streaming Services – Includes the following streaming providers: Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, fuboTV, Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Premium, YouTube TV, and Tidal. The above names are trademarks or registered trademarks of their respective owners. Participating streaming services may change at any time. The owners of the above trademarks do not endorse Citibank N.A.’s services, and are not otherwise affiliated with Citibank, N.A. or any of its related entities. Fitness Clubs – Includes membership fee and other purchases at athletic, sports and recreation facilities requiring membership such as health, tennis, and swimming clubs. Excludes fees associated with virtual services for home exercise equipment, personal monitoring devices, or fitness streaming classes. Live Entertainment – Includes ticket purchases for live entertainment, including concerts, live sporting events, live theatrical productions, amusement parks, and orchestras. Excludes: charitable organizations that provide live entertainment (benefits), sporting camps, sports complexes where you participate in the sport, public and private golf courses, country clubs (including membership fees), bowling alleys, movie theaters, tourist attractions, museums, and art galleries. Cosmetic Stores/Barber Shops/Hair Salons – Cosmetic stores include retailers that sell every day and theatrical cosmetics. You will not earn 3X Points for cosmetic purchases made in businesses such as department stores, drug stores, and supermarkets unless they use the Cosmetic Stores merchant category code. Barber Shops and Hair Salons include merchants that provide personal hair care services such as hair cutting, styling, coloring, and extensions. Barber Shops and Hair Salons may also perform manicures and pedicures and sell a limited selection of hair care products. You will not earn 3X Points for purchases made at barber shops and hair salons located in other businesses such as spas or hotels unless they use the Barber Shops and or Hair Salons merchant category code. Pet Supply Stores – Retailers that sell pet food and pet supplies. You will not earn 3X Points for pet supply purchases made at drug stores, markets, wholesale clubs, discount superstores, and supermarkets. You will not earn 3X points for veterinary services unless they use the Pet Supply Stores merchant category code. Merchant Classification for Rewards Categories Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don’t control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we're provided with an MCC for that purchase. We group similar merchant codes into categories for the purpose of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category, as recognized by Citi, your purchase will not qualify for additional points. For example, you won't earn additional points for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code. Please also note - purchases made through mobile/wireless technology may not earn additional points depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine which purchases qualify for additional points. Self-Select Category You will earn 3 ThankYou Points for each $1 spent on purchases made in an eligible Self-Select Category of your choice. Self-Select Categories include: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, and Pet Supply Stores. When your account is opened, the default Self-Select Category is Select Streaming Services. To change your Self-Select Category the primary card member must register for an online account and sign-in at citi.com/selfselect or call 1-800-842-6596 (TTY: We accept 711 or other Relay Service) and choose which Self-Select Category to activate. You may change your Self-Select Category once each calendar quarter (January-March, April-June, July-September, October-December). The change will go into effect the following day at 12:00 AM Central Time. To qualify for 3X ThankYou Points, eligible purchases must be made on the day after a Self-Select Category is chosen to be eligible for the newly selected category. For example, if you changed your category to Fitness Clubs on Monday, you would begin to earn 3 ThankYou Points per $1 spent on Fitness Club purchases made on Tuesday. Citi will use the purchase date listed on your statement to determine when the purchase was made. Some merchants will not process a purchase transaction until the merchandise is shipped, this may delay the purchase date on your account. Citi is not responsible for when a merchant processes a transaction. Only Purchases Earn Points You’ll earn Points for purchases using your Card Account, minus returns and refunds. Balance transfers, Citi Flex Loans, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) do not earn ThankYou Points. When using Citi Flex Pay, you only earn ThankYou Points on the original purchase amount. Open and Current Card Account You may earn ThankYou Points as long as your Card Account is open and current. Changes to the ThankYou Rewards program ThankYou Rewards may be terminated with 30 days prior written notice. If ThankYou Rewards is terminated, you will have 90 days from ThankYou Rewards termination date, or, if required by law, date of notification of termination, to redeem all your accumulated ThankYou Points. The ThankYou Rewards program may be changed at any time, and if required by law, we will provide notice. Rewards offered by ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice. When You Will Receive Points Points earned through a purchase with your Card Account will appear in your ThankYou Account at the end of the billing cycle in which you made the purchase. This means that Points earned on purchases made near the end of the billing cycle may take up to one additional billing cycle to appear in your ThankYou Account. (Bonus Points may take one to two additional billing cycles to post to your ThankYou Account). Please see the Citi ThankYou Rewards Terms and Conditions at thankyou.com/terms or call us at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) to request a complete copy of the Terms and Conditions. The Terms and Conditions include redemption information on the Citi ThankYou Rewards Program. Citi^® Flex Pay Terms and Conditions Your Citi Flex Pay monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full. To use Citi Flex Pay on an eligible purchase, your account must be current, under the credit limit, and have the applicable Citi Flex Pay terms. Other factors may apply. Additional Information Any benefit, reward, service, or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn’t responsible for products and services offered by other companies. Fraud, Misuse, Abuse, or Suspicious Activity If we see evidence of fraud, misuse, abuse, or suspicious activity, as determined by us in our sole discretion, we reserve the right to take action against you. This may include, without limitation and without prior notice, any or all of the following: Taking away your accrued Points Stopping you from earning Points Suspending or closing your Citi Account or ThankYou Account Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages. Some examples of fraud, misuse, abuse and suspicious activity include: Buying or selling Points Repeatedly opening Card Accounts for the primary purpose of acquiring Points Using your Card Accounts in an abusive manner for the primary purpose of acquiring Points Using your Card Account other than primarily for personal, consumer or household purposes Points redemptions that you didn’t authorize Please contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: 711) immediately if you suspect your ThankYou Account is the target of fraud or suspicious activity. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC. Mastercard^®, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. ©2025 Citibank, N.A. Citi, Citi and Arc Design, and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.