Additional Information - Citi Rewards+® Card

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.

Bonus Points Offer

Bonus ThankYou® Points are not available if you received a new cardmember bonus for Citi Rewards+®, Citi ThankYou® Preferred, Citi ThankYou® Premier/Citi Premier® or Citi Prestige®, or if you have closed any of these accounts, in the past 24 months.

Frequently Asked Questions

Q: How does Round Up work?
A: You’ll earn points on every purchase you make and then we’ll round those points up to the nearest 10. So if you buy your morning coffee for $2.31, we’ll round it up to 10 points. If you spend $10.99 on lunch, we’ll round it up to 20 points. There is no minimum or maximum purchase amount — your points will always be rounded up to the nearest 10 on every purchase.

Q: Do my supermarket and gas stations purchases also get rounded up?
A: Yes, we’ll round up to the nearest 10 points on every purchase, including at supermarkets and gas stations. For example, if you fill up your tank at a gas station for $31, you’ll receive 70 ThankYou Points. First, we’ll multiply your purchase by 2 to get to 62 points and then we’ll round it up to 70 points. Note: You’ll earn 2 ThankYou Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and then 1 point per $1 spent thereafter.

Q: How does 10% Points Back work?
A: You’ll get 10% points back on all redemption options (gift cards, travel rewards, and shop with points to name a few) for the first 100,000 ThankYou Points you redeem per year. For example, redeem 10,000 points for a $100 gift card and receive 1,000 points back.

Q: How many ThankYou Points can I redeem per year?
A: There is no limit to the number of points you can redeem per year and points earned with your Citi Rewards+® Card do not expire. You’ll get 10% Points Back for the first 100,000 points you redeem per year.

Q: Are there exclusions for 10% Points Back?
A: You won’t earn Points Back with Points Sharing, so if you send points to a friend, you won’t earn 10% Points Back. You also won’t earn points back after you reach the annual cap.

Citi® ThankYou® Rewards

Summary of the Citi Rewards+® Card Terms and Conditions
With the Rewards+® Card, you can earn ThankYou Points for purchases made on your card.

Unless you are participating in a limited–time offer, you will earn:

-- 2 ThankYou Points for each $1 spent on purchases at supermarkets and gas stations, for the first $6,000 per calendar year and then 1 ThankYou Point for each $1 spent thereafter.

Certain Non-Qualifying Purchases
Supermarkets – You won't earn 2X Points for purchases made 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 stores, nut stores, confectionery stores, and meal kit delivery services. You also won't earn 2X Points for purchases made at online supermarkets if the merchant does not classify itself as a supermarket by using the supermarket merchant code.

Gas stations – You won't earn 2X Points for fuel purchased for commercial purposes or used for non-automobile purposes. You also won't earn 2X Points if the merchant does not classify itself as a gas station by using the gas station merchant code. Therefore, you may not earn 2X Points for purchases made at warehouse clubs, wholesale clubs, superstores, discount stores, department stores, and convenience stores.

-- 1 ThankYou Point for each $1 spent on other purchases including the non-qualifying purchases listed above.

Round Up
For every purchase that earns ThankYou Points, your ThankYou Points will be rounded up to the nearest 10 points so that the total ThankYou Points awarded for any purchase is in a 10-ThankYou-Point increment ("Round Up"). For example, if you purchase an item that costs $3.48,you'll receive 10 ThankYou Points; and if you purchase an item that costs $9.51, you'll receive 10 ThankYou Points. Points are rounded after the additional points are awarded for 2X qualifying purchases. For example, if you make a $7 purchase that earns 2X Points, you'll receive 20 ThankYou Points.

10% Points Back from Redemptions
When you redeem your ThankYou Points, you’ll receive 10% points back for the first 100,000 ThankYou Points redeemed per calendar year. This means that if you redeem 10,000 ThankYou Points, you’ll receive 1,000 ThankYou Points from the 10% Points Back feature. You will not receive 10% Points Back on points you redeem on Points Sharing transactions.

Only Purchases Earn Points
Balance transfers, 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.

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 an MCC for that purchase. We group similar merchant codes into categories for purposes 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, 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. Please see our Earning Points FAQs at for more information.

When you reach a reward or benefit cap (e.g., you spend $6000 on purchases at supermarkets and gas stations to earn 2X Points on these purchases), and you return items (reducing your spending within that category), you will earn 1X Points for purchases even if those purchases would have otherwise qualified for 2X Points. And once you redeem 100,000 ThankYou Points annually with the 10% Points Back feature, you will not earn additional 10% Points Back ThankYou Points that year, even if subsequent returns cause a reduction in your ThankYou Points attributable to 10% Points Back.

You may earn ThankYou Points as long as your Card Account is open and current. If your Card Account is closed, you will not be able to earn and redeem ThankYou Points and you will lose any accumulated ThankYou Points that have not been transferred to your ThankYou Member Account (we will set up a ThankYou Member Account for you). You will also not earn points from Round Up or receive 10% Points Back if your account is closed.

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 to redeem all your accumulated ThankYou Points. The ThankYou Rewards program may be changed at any time. Rewards offered by ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice.

ThankYou Points earned from purchases and Round Up, and ThankYou Points earned from 10% Points Back, post to your Card Account at the close of each billing cycle, and at that time we will transfer the ThankYou Points you earned to your ThankYou Member Account. (Points from Round Up and 10% Points Back are not considered Bonus ThankYou Points. Bonus ThankYou Points may take one to two additional billing cycles to post to your Card Account.) ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account.

Please see the Citi ThankYou Rewards Terms and Conditions at, or call us at 1-800-THANKYOU (1-800-842-6596) to request a complete copy of the Terms and Conditions. For speech or hearing impaired TTY: Use 711 or other relay service. The Terms and Conditions include redemption information on the Citi ThankYou Rewards Program.

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 other than as permitted under the Program
  • Repeatedly opening Card Accounts or Citibank Checking Accounts for the primary purpose of acquiring Points
  • Using your Card Accounts or Citibank Checking Account 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) immediately if you suspect your ThankYou Account is the target of fraud or suspicious activity. For speech or hearing impaired TTY: Use 711 or other relay service.
Citi is not responsible for products or services offered by other companies. Featured items at are not part of ThankYou® Rewards collection and are subject to availability. See for the terms and conditions for using Shop with Points with Citi ThankYou® Rewards. Certain restrictions apply for Shop with Points at, see for more information. Amazon, the logo and the smile logo are trademarks of Amazon or its affiliates. Amazon is not a sponsor of this promotion.

Best Buy® does not sponsor, endorse, approve or have any responsibility for this promotion. BEST BUY, the BEST BUY logo, the tag design and BESTBUY.COM are trademarks of Best Buy and its affiliated companies

Citi Entertainment® offers are available to Citi credit card members and Citibank Debit Mastercard customers. Some restrictions apply. See for specific offer details and information. Citi is not responsible for products or services offered by other companies.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.