How to Redeem Your Credit Card Reward Points


Earn points for every dollar you spend with a Citi credit card and then redeem for rewards. Our credit card reward points are here for you to enjoy in the places you spend it most: travel, shopping, food, or cash back for a rainy day. It's simple. Spend money, earn points, and get rewards. When you redeem credit card points for rewards it's up to you what you choose. Redeem rewards for certain online purchases, cash back, gift cards, statement credits, travel and airfare, or even redeem your credit card rewards to make a charitable contribution. When you accumulate points on a Citi credit card that's geared towards your spending habits, you can maximize the amount of points you can earn to redeem for rewards. Citi rewards credit cards let you earn points on purchases for rewards. There are different cards that earn more points in a particular category so find the credit card that's best suited to your lifestyle.. Keep reading to learn how to redeem your credit card reward points.

Redeem Your Reward Points to Shop Online

With Citi's rewards redemptions, the more you shop, the more points you'll earn to redeem for future spending with select retailers. For example, with Citi's ThankYou Points you can now put credit card points earned from that credit card towards your next purchase with select retailers. That fancy blender you've been eyeing? Now you can redeem credit card reward points to pay for it. The TV upgrade you've been planning? Use reward points to get it. The more you use your Citi credit card to pay for everyday items, the more credit card points you will accumulate. And the rewards add up so that you can redeem them to buy what you want!

Redeem Your Reward Points for Gift Cards

Redeem rewards points for your choice of gift cards from a variety of popular department stores, marketplaces, restaurants, hotels, retail shops, and more. Gift cards give you the flexibility to spend your redeemed points later at the retailer of your choosing.

Use Points on Airfare and Hotels

Redeem your credit cards points for travel, including airfare and hotels. It's important to first understand the basics of this type of rewards redemption because the cost of travel can change depending on the season. With premium credit cards, you can earn points fast so you can redeem your rewards points for your trip much sooner.

There are many options when you choose to redeem for travel rewards. Do you want to save your points for that luxurious vacation? Or travel the world more frequently, perhaps just not from first class? Flexibility is key when redeeming credit card points. Do your research to make the most of your credit card rewards redemptions.

Other Ways to Use Reward Points

Donate Your Reward Points to Charity

Citi is proud to support charities with our ThankYou Rewards points. You can redeem points to make charitable contributions directly through our rewards redemptions platform. If you have unused credit card points or points that would otherwise go towards something you don't need, making a charitable contribution instead is a great way to do good with your credit card reward points. When you choose to donate by redeeming credit card reward points, it's easy to give back! We offer this rewards redemption option in specific denominations, so please note that there may be a point minimum for your charitable donation.

Pay Down Your Balance

Redeeming points for rewards has its perks, but putting your credit card reward points toward your current balance is a quick and easy way to start enjoying your Citi points. Reduce your credit card balance by redeeming credit card points for a statement credit of up to $250 at a time. Redeem rewards to get your statement credit and enjoy not having to pay your credit card balance entirely out of pocket.

Pay Your Mortgage, Student Loan, or Bills

It's true! This one might be surprising, but at Citi our ThankYou® Points members can redeem credit card rewards points for a payment towards their student loan or mortgage, or send the points straight to online bill pay. It's just one easy way for you to make your credit card rewards work for you. Learn more about this rewards option and how to use Citi points to pay off your loans.

Get Cash Rewards for Your Reward Points

Did you know that you can redeem reward points for cash rewards? That's right, you can redeem credit card points for cash. Rewards redeemed for cash rewards make it easy for you to do what you want with your cash, like pay off pay monthly bills, deposit into an interest-accruing account, or save some extra cash for a special occasion.

Add Monthly Expenses to Your Rewards Card

Spreading your money across multiple credit cards means you are most likely not making the most of your credit card rewards. Every credit card typically has a different rewards system and conversion rate when redeeming rewards, so you'll accumulate points more slowly when you spend on multiple cards. If you use just one or two credit cards, you can make the most of your credit card rewards points by targeting the card with rewards that benefit your specific spending habits (like gas, groceries, or recurring expenses). When you do this, you'll earn credit card rewards faster than if you spread out credit card points across multiple cards. Accrue and use reward points in ways which fit your life best.

Watch for Bonus Offers

When you use your Citi credit card and want to redeem points be sure to look out for bonus credit card reward offers. If you get points based on every dollar you spend, you could be earning more rewards points with special offers, and that means redeeming rewards faster. You don't want to miss these bonus offers, so make sure to check your credit card site frequently. Whether you shop with your points at select retailers, redeem rewards for cash back, or take advantage of any of the other ways to redeem your credit card points, you will accumulate more points to be used for rewards when you take advantage of select bonus offers - sometimes even doubling or tripling credit card points!

Use Your Points Wisely

At the end of the day, knowing the redemption value of your points will help you get the most bang for your buck when you redeem your credit card rewards. Looking for a rewards credit card that's just right for you? Start your search with Citi Credit Cards. When you know how to use reward points, you'll earn and redeem rewards faster!

Disclosure: This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.

Additional Resources

Utilize these resources to help you assess your current finances & plan for the future.

Learn how FICO® Scores are determined, why they matter and more.

Review financial terms & definitions to help you better understand credit & finances.