BENEFITS

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be issued as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.

Our policy is to offer only one Citi Custom Cash^® Card account per customer. Bonus is not available if you received one for opening a new Citi Custom Cash^® Card account in the past 48 months.

Earn More Cash Back Just For Being You

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1% cash back thereafter. Also earn unlimited 1% cash back on all other purchases.

Cash back is earned in the form of ThankYou^® Points. This means each billing cycle, you will earn 5 points per $1 on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1 point per $1 on all other purchases.

5% eligible spend categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.

Rewards That Match Your Lifestyle

Redeem ThankYou^® Points for cash back as a statement credit, direct deposit, or check. Or explore other redemption options like gift cards, travel and Shop with Points at Amazon.com.

Low Intro APR for 15 Months

0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that the variable APR will be % — % based upon your creditworthiness.* Balance transfer fee - either $ or % of the amount of each balance transfer,* whichever is greater. Balance transfers must be completed within 4 months of account opening.

No Annual Fee*

*Pricing & Information

RATES

Purchase Intro APR: 0% for 15 months*

Balance Transfers Intro APR: 0% for 15 months*

Purchase APR: % — % (Variable),* based on creditworthiness

Annual Fee: $0^*

PRICING & INFORMATION

CITI CUSTOM CASH^® CARD

Citi will only issue one Citi Custom Cash^® Card account per person.

Bonus Offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back. 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) are not purchases. Purchases must post 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 Custom Cash^® cardmembers approved through this offer. Citi will only issue one Citi Custom Cash^® Card account per person. You will qualify for this bonus offer only if you have not received a bonus offer for opening a new Citi Custom Cash^® Card in the past 48 months.

FAQ

Q: What kind of card is the Citi Custom Cash^® Card?

A: The Citi Custom Cash^® Card is a Mastercard credit card that provides cardmembers with opportunities to earn cash back. Cardmembers never have to sign up for rotating bonus categories. Customers will earn 5% cash back on purchases in the top eligible spend category each billing cycle, up to the first $500 spent. After that, cardmembers will earn 1% on purchases in that category. Cardmembers will also earn unlimited 1% cash back on all other purchases. Cash back is earned in the form of ThankYou^® Points. This means each billing cycle, you will earn 5 points per $1 on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1 point per $1 on all other purchases. Points can be redeemed for cash back as a statement credit, direct deposit, check or for gift cards, travel, or Shop with Points at Amazon.com or PayPal.

Q: What are the rewards for the Citi Custom Cash^® Card?

A: Cash back is earned in the form of ThankYou^® Points. Cardmembers earn:

• 5 points per $1 on purchases in your top eligible spend category each billing cycle, up to $500 spent and 1 Point per $1 on purchases in that category thereafter.
• 1 point per $1 spent on all other purchases.
• ThankYou^® Points can be redeemed for cash back as a direct deposit or statement credit or in a variety of other ways from gift cards to travel to Shop with Points at Amazon.com and PayPal. Redemption rates may vary.

Q: How do you redeem for rewards?

A: Citi Custom Cash^® Card lets you redeem your rewards in a variety of ways:

• ThankYou^® Points can be easily redeemed for cash back such as a statement credit, direct deposit or check. For example, you can redeem 10,000 ThankYou^® Points for a $100 statement credit, a $100 Check by Mail, or as a $100 direct deposit to your bank account.
• You can also redeem your points for other rewards such as gift cards, Shop with Points at Amazon.com, travel and more. Redemption rates may vary.
• There are no minimums when you redeem for a statement credit or direct deposit.
• Visit ThankYou.com to learn more.

Q: What are the eligible categories that can earn 5% cash back (up to the first $500 spent) for the Citi Custom Cash^® Card?

A: The eligible categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.

Q: What is the difference between the Citi Custom Cash^® Card and the Citi Double Cash^® Card?

Citi^® ThankYou® Rewards

Summary of the Citi Custom Cash^® Card Terms and Conditions

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

• 5 ThankYou Points for each $1 you spend in your highest spend category each billing cycle up to the first $500 spent in that category. After the first $500 spent in that category during the billing cycle, you will earn 1 ThankYou Point for each additional $1 you spend. (See below for more information on the highest spend category.)
• 1 ThankYou Point for each $1 you spend on purchases (excluding purchases made in your highest spend category as described above and transactions that do not qualify as purchases that earn Points as described below).

Highest Spend Category

Each billing cycle we will determine your highest spend for purchases posted to your account in the following categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. Each purchase on your Card Account is assigned to a category based on the merchant category code as described below. We will calculate your total amount spent in each category, less any returns posted during the billing cycle, even if the original purchase date for the return was in an earlier billing cycle. We will use this information to determine your highest spend category. Citibank shall have the sole right to determine the highest spend category each billing cycle and their decision will be final. Once we identify the highest spend category for a billing cycle, it will not be changed, even if purchases from that category are returned in a later billing cycle.

The following definitions apply to the categories:

Restaurants

Includes purchases at cafes, bars, lounges and fast food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third party dining delivery services.

Gas Stations

Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.

Grocery Stores

Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code.

Select Travel

Includes airline, hotel, cruise line and travel agency purchases. Excludes timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies.

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. Excludes bike/scooter rentals, auto clubs and insurance companies.

Select Streaming Services

Includes the following cable, satellite, and streaming providers: Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.

The above names are trademarks or registered trademarks of their respective owners and could be changed at any time. The owners of the above marks do not endorse Citibank N.A.’s services, and are not otherwise affiliated with Citibank, N.A. or any of its related entities.

Drugstores

Includes purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store and pharmacy merchant category code.

Home Improvement Stores

Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores. Excludes florists and florists’ supply stores; nursery stock; wholesale construction stores; and glass stores.

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.

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 identifying your spend category. 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 amount will not be included in the spend for that billing cycle. For example, your purchase amount would not be included in the restaurant category 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 be included in the anticipated category depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine in which category purchases are placed.

Only Purchases Earn Points

You’ll earn Points for purchases using your Card Account, minus returns and refunds. 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.

Open and Current Card Account

You may earn Points as long as your Card Account is open and current. If your Card Account is closed, you will not be able to earn Points, and you will lose any accumulated Points that have not been transferred to your ThankYou Account.

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 a 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 for the Citi Custom Cash Card at thankyou.com/ccterms, or call us at 1-800-THANKYOU (1-800-842-6596) (Speech/hearing impaired: 1-877-693-0218 or Other Relay Service) 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

For more information, please see the Citi ThankYou Rewards Terms and Conditions for the Citi Custom Cash Card at thankyou.com/ccterms.

Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon.com, Inc. or its affiliates.

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.

BENEFITS

Enjoy 0% Intro APR for 21 months on balance transfers and 0% Intro APR for 12 months on purchases.* After that, the variable APR will be % — %, based on your creditworthiness.*

Purchase duration is from date of account opening and balance transfer duration is from date of first transfer. All transfers must be completed within 4 months of account opening. There is a balance transfer fee of $[szDiamondBTFD] or [szDiamondBTFP]% of the amount of the transfer,* whichever is greater.

If you transfer a balance with this offer, interest will be charged on new purchases and unpaid introductory balances after your introductory APR on purchases has expired, unless you pay the entire balance (including any transferred balance) in full each month by the due date.

*Pricing & Information

FICO^® Score

Get free access to your FICO^® Score online, so you can monitor your credit score.

Citi Entertainment^®

Get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

RATES

Purchase Intro APR: 0% for 12 months*

Balance Transfers Intro APR: 0% for 21 months*

Purchase APR: % — % (Variable),* based on creditworthiness

Annual Fee: $0*

PRICING & INFORMATION

CITI^® DIAMOND PREFERRED^® CARD

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

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

BENEFITS

Low Intro APR on balance transfers

Enjoy an Introductory rate of 0% for 18 months from date of transfer for balance transfers only; after that, the variable APR will be % to %, based on your creditworthiness.*

Balance transfers do not earn cash back.

Intro APR does not apply to purchases.

If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

Balance transfers must be completed within 4 months of account opening.

There is an intro balance transfer fee of % of each transfer ($ minimum) completed within the first 4 months of account opening; after that, % of each transfer ($ minimum).*

Earn cash back twice wherever you spend

Cash back is easy to earn. With your Double Cash card, you'll earn 1% cash back on purchases and 1% as you pay - minimum due payment must be met to earn cash back.

Cash back is earned in the form of ThankYou® Points. This means each billing cycle, you will earn 1 point per $1 on purchases and an additional 1 point for every $1 you pay towards that purchases as long as there is corresponding balance in your Purchase Tracker.

Redeem ThankYou® Points for cash back as a statement credit, direct deposit, or check. Or explore other redemption options like gift cards, travel and Shop with Points at Amazon.com.

The Double Cash difference

With the Citi Double Cash® Card, you can earn cash back on purchases everywhere with no caps on earning, confusing categories to track, or annual fee* - it doesn't get easier than that.

*Pricing & Information

Annual fee? Not this card.*

Experience all the benefits of your Citi Double Cash® card without the annual fee.*

RATES

Purchase Intro APR: n/a

Balance Transfers Intro APR: 0% for 18 months*

Purchase APR: % — % (Variable),* based on creditworthiness

Annual Fee: $0*

PRICING & INFORMATION

CITI DOUBLE CASH^® CARD

Current Citi Double Cash^® Card Account Terms and Conditions

Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason without notice, except as otherwise expressly indicated. Citi isn't responsible for products and services offered by other companies.

You will earn 1 ThankYou® point per $1 spent on purchases and an additional ThankYou® point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker. Points can be redeemed for cash back as a direct deposit, statement credit, or check. For example, redeem 10,000 ThankYou Points for a $100 direct deposit, statement credit, or check. Points can also be redeemed for a variety of other rewards, such as gift cards, travel and more — redemption values vary depending on how you choose to redeem your ThankYou Points.

For more information, please visit citi.com/citidoublecashterms

Earning Points with Your Card Account

• Purchases and Eligible Payments Earn Points. You’ll earn Points for purchases using Your Card Account, minus returns and refunds and You’ll earn Points for Eligible Payments as described below.

ThankYou Points on Purchases At the end of each billing cycle, You will earn 1 ThankYou Point per $1 on purchases made on Your Card Account reduced by the amount of any returns and refunds. The Points You earn for purchases will show on Your billing statement as “ThankYou Points on Purchases.”

The following transactions are not purchases and will not earn Points: balance transfers, cash advances, checks that access Your Card Account, items returned for credit, disputed or unauthorized purchases, fraudulent transactions, traveler’s checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets and gaming chips (and similar betting transactions), loads or reloads of balances on gift cards or prepaid cards or cash equivalents, person-to-person payments, Citi® Flex Loans, the creation of Citi Flex Pays, Card Account fees and charges (such as late fees and finance charges), and fees for services or programs You elect to receive through us.

ThankYou Points on Eligible Payments At the end of each billing cycle, you will earn 1 ThankYou Point per $1 on Eligible Payments made to Your Card Account. You will earn ThankYou Points on Your Eligible Payments up to the balance shown in Your Purchase Tracker (see “Purchase Tracker” below). The balance in Your Card Account’s Purchase Tracker will be reduced by the amount of Eligible Payments You make. When the Purchase Tracker reaches $0, You won’t earn Points on Eligible Payments until more purchases are made and added to the Purchase Tracker. The Points You earn for Eligible Payments will show on Your billing statement as “ThankYou Points on Payments.”

“Eligible Payments” means payments You make on Your Card Account, that add up to at least the Minimum Payment Due (as set forth on Your billing statement). Eligible Payments do not include those detailed below in “When You will not earn Points.” The redemption of Points for a statement credit is not an Eligible Payment and will not reduce the balance in Your Purchase Tracker.

Purchase Tracker We will maintain a Purchase Tracker for Your Card Account. The Purchase Tracker will appear on Your billing statement. The Purchase Tracker shows the balance of purchases (as detailed above in “ThankYou Points on Purchases”) less Eligible Payments made on Your Card Account, subject to “When You will not earn Points” as detailed below. You will only earn Points on Eligible Payments up to the balance shown on Your Card Account’s Purchase Tracker.

When you will not earn Points

If Your Card Account is closed for any reason, You will not earn Points on purchases or Eligible Payments as of the closure date.

Your Card Account must be current to earn Points. If You fail to make a Minimum Payment Due by the first day of Your next billing cycle, then you will not earn Points for any purchases posted to Your Card Account during the billing cycle in which You failed to pay the Minimum Payment Due unless You become current and reinstate those Points You will also not earn Points for future purchases until You become current.

You will not earn Points for Eligible Payments made to bring Your account current except to the extent that You have a balance in Your Card Account’s Purchase Tracker at the time You make the Eligible Payment.

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. Points earned for Eligible Payments will appear in Your ThankYou Account at the end of the billing cycle in which You made Your Eligible Payment. This means that Points earned on purchases and Eligible Payments made near the end of a 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).

• Changes without Notice. We may make changes to the Program at any time without notice. For example, we won’t notify You if we change what Rewards are available or the number of Points required to redeem a Reward. If we do make any changes to this Agreement, we’ll post an updated copy on thankyou.com.
• Changes with Notice. We’ll give You thirty (30) days’ written notice if we make any of the following changes:
  • A change that negatively affects the number of Points You can earn
  • A change that negatively affects when Your Points expire or how/when You may lose Points
  • A change in how You can exercise Your rights
  • If we cancel the 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
• 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) (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.

©2023 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.

BENEFITS

Save time and money with the card that offers no late fees, no penalty rate, and no annual fee* — Ever.

Enjoy 0% Intro APR for 21 months on balance transfers and 0% Intro APR for 12 months on purchases; after that, the variable APR will be % — %, based on your creditworthiness.*

Purchase duration is from date of account opening and balance transfer duration is from the date of first transfer. All transfers must be completed within 4 months of account opening. Intro balance transfer fee of $ or % of the amount of the transfer, whichever is greater for transfers completed within 4 months of account opening. After that, balance transfer fee will be $ or % of the amount of the transfer, which ever is greater*.

If you transfer a balance with this offer, interest will be charged on new purchases and unpaid introductory balances after your introductory APR on purchases has expired, unless you pay the entire balance (including any transferred balance) in full each month by the due date.

*Pricing & Information

Flexible Payment Date

Choose to pay your bill on any available due date in the beginning, middle, or end of the month.

RATES

Purchase Intro APR: 0% for 12 months*

Balance Transfers Intro APR: 0% for 21 months*

Purchase APR: % — % (Variable),* based on creditworthiness

Annual Fee: $0*

PRICING & INFORMATION

CITI SIMPLICITY^® CARD

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

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

BENEFITS

Earn 20,000 bonus points after spending $1,500 in the first 3 months of account opening, redeemable for $200 in gift cards or travel rewards at thankyou.com.

Bonus ThankYou^® Points are not available if you have received a new account bonus for a Citi Rewards+® account in the past 48 months.

Low Intro APR for 15 months

0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that the variable APR will be % — % based upon your creditworthiness.* Balance transfer Fee – intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum).*

Plus, for a limited time, earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.**

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 thereafter.

Earn 1 ThankYou^® Point

per $1 spent on All Other Purchases.

The only credit card that automatically rounds up

to the nearest 10 points on every purchase. A $2 parking meter earns 10 points.

There is no Annual Fee^*

or limit to the amount of ThankYou^® Points you can earn.

*Pricing & Information

RATES

Purchase Intro APR: 0% for 15 months*

Balance Transfers Intro APR: 0% for 15 months*

Purchase APR: % — % (Variable),* based on creditworthiness

Annual Fee: $0*

PRICING & INFORMATION

CITI REWARDS+^® CARD

Additional Information

20,000 Bonus Point Offer:

Balance transfers, cash advances, checks that access your card account, purchases returned/refunded for credit, unauthorized charges, interest and account fees, traveler's checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) are not purchases and do not count towards earning your bonus. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Bonus ThankYou® Points are not available if you have received a new account bonus for a Citi Rewards+® account in the past 48 months.

**Citi Travel Portal Limited Time Offer:

Earn a total of 5 ThankYou® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel℠ portal on ThankYou.com or by calling 1-800-Thankyou (TTY: 711) and saying “Travel”. Offer is valid through 11:59 PM 6/30/2024.

You earn 1 ThankYou® Point per $1 spent on the Citi Travel portal bookings. You will earn an additional 4 bonus ThankYou® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-800-Thankyou (TTY: 711) through 11:59 PM 6/30/2024. The booking must post to your account during the promotional period to qualify.

This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Rewards+® Card registered at the Citi Travel portal to earn the bonus points. For bookings made with a combination of points and your Citi Rewards+® Card, only the portion paid with your card will earn points. Bonus points will take up to 3 billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled 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 Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

Additional Information – Citi Rewards+^®

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.

Citi^® ThankYou^® Rewards
Summary of the Citi Rewards+ Card Terms and Conditions

With the Citi 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 spent in those categories per calendar year and then 1 ThankYou Point for each $1 spent thereafter.

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

Certain Non-Qualifying Purchases

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 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 - Excludes purchases made 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.

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, as recognized by Citi, your purchase will not qualify for additional rewards. For example, you won't earn additional points for supermarket purchases if the merchant is not assigned a supermarket-related 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. 

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, that purchase would qualify for 14 ThankYou Points, which will be rounded up to 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.

The Citi Travel^SM Site

Book your travel on thankyou.com or the Citi Travel site for air, hotels, cars and more with no blackout dates. Travel services are provided by Rocket Travel (Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com), a service partner for ThankYou Rewards, and include airline tickets, hotel accommodations, rental cars and attractions. Travel Rewards reservations must be made online at the Citi Travel site via thankyou.com or call 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service). All Travel Rewards are subject to availability and restrictions of the relevant travel supplier.

Reward Cap

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. 

Only Purchases Earn Points

You’ll earn Points for purchases using your Card Account, minus rewards and refunds.  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.

Open and Current Card Account

You may earn ThankYou Points as long as your Card Account is open and current.  You will not earn points from rounding (Round Up) or receive 10% Points Back if your account is closed.

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 the 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

ThankYou Points earned from purchases, 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 thankyou.com/terms, or call us at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 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. 

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 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) (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 and the circles design are registered trademarks of Mastercard International Incorporated.

©2023 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.

BENEFITS

Make every day more rewarding with the Costco Anywhere Visa^® Card by Citi. Earn cash back rewards on purchases everywhere Visa is accepted. A Costco membership is required to apply.

Join Costco today.

4% CASH BACK on eligible gas and EV charging purchases worldwide, including gas at Costco

For the first $7,000 per year and then 1% thereafter.

3% CASH BACK on restaurant and eligible travel purchases worldwide

2% CASH BACK on all other purchases from Costco and Costco.com

1% CASH BACK on all other purchases

No Foreign Transaction Fees* – No matter where you’re traveling, when you use your Costco Anywhere Visa® Card by Citi there are no foreign transaction fees on purchases.*

*Pricing & Information

RATES

Purchase Intro APR: n/a

Balance Transfers Intro APR: n/a

Purchase APR: % (Variable)^*

Annual Fee: $0 with paid Costco membership^*

PRICING & INFORMATION

Costco Anywhere Visa^® Card by Citi

Costco Cash Rewards Program Terms

Your Costco Anywhere Visa® Card by Citi account (“Card Account”) will earn Costco Cash Rewards based on your purchases that can be redeemed for merchandise or cash back at any U.S. Costco warehouse, including Puerto Rico (“Costco Cash Rewards”).

Earning Costco Cash Rewards on Purchases

You’ll earn Costco Cash Rewards for purchases using your Card Account, minus returns and refunds, as follows:

• 4% cash back on eligible gas and EV charging purchases worldwide, including gas and EV charging at Costco, for the first $7,000 per year in gas and EV charging purchases and then 1% thereafter.
  • Certain Non-Qualifying Purchases. You will only earn 1% cash back, not 4% for gas and EV charging purchases made at superstores, supermarkets, convenience stores and warehouse clubs other than Costco or for fuel used for non-automobile purchases.
• 3% cash back on restaurant (including cafes, bars, lounges and fast food restaurants) and eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel.
  • Certain Non-Qualifying Purchases: You will only earn 1%, not 3%, for purchases made at bakeries and certain restaurants/cafes inside department stores, grocery or warehouse clubs. Additionally, you will only earn 1%, not 3%, for purchases made at timeshares, campgrounds, bed & breakfasts and for purchases of train and commuter travel.
• 2% cash back on all other purchases from Costco and Costco.com.
• 1% cash back on all other purchases, including the non-qualifying purchases listed above.

What doesn’t qualify as a purchase?

The following types of transactions don't qualify as purchases that earn Costco Cash Rewards:

• Use of checks that access your Card Account
• Balance transfers
• Cash advances
• Travelers checks, foreign currency purchases, money orders, wire transfers and similar cash-like transactions
• Lottery tickets, gaming chips and similar betting transactions
• Interest and account fees
• Unauthorized charges
• Items returned for credit

Merchant Classification for Rewards Categories

Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa 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 as recognized by Citi, your purchase will not qualify for additional Costco Cash Rewards. 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 Costco Cash Rewards depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine which purchases qualify for additional Costco Cash Rewards.

Returns

Returned items may result in credits being applied to your Card Account which will reduce or may eliminate accumulated Costco Cash Rewards and may result in a negative cash rewards balance. If your Card Account has a negative Costco Cash Rewards balance, any newly earned Costco Cash Rewards will be used to offset such negative Costco Cash Rewards balance until such balance has been brought to zero.

You must maintain your Costco Membership to receive and redeem your Costco Cash Rewards.

Receiving & Redeeming Costco Cash Rewards

Your reward is distributed annually once your February billing statement closes. Your reward is distributed in the form of a credit card reward certificate, unless your annual reward amount is greater than $10,000, in which case Citi and Costco reserve the right to distribute your reward in an alternative form (e.g., a check or electronic transfer), at Citi’s and/or Costco’s discretion. Credit card reward certificates are redeemable through December 31 of the year issued in a single transaction at any U.S. Costco warehouse, including Puerto Rico, for merchandise or cash back. An alternative form for redemption other than within the warehouse may be provided at Citi and/or Costco’s discretion. The credit card reward certificate, or alternative-form distribution, will contain your Costco Cash Rewards balance based on your eligible purchases during the annual reward period. The annual reward period is based on January through December billing statements. Should you choose to redeem only a portion of the certificate for merchandise, you will receive the remaining balance in cash or an alternative form (e.g. check or electronic transfer), at the Costco warehouse’s discretion. Requests to redeem the credit card reward certificate for cash may be fulfilled in an alternative form (e.g., a check or electronic transfer), at the Costco warehouse’s discretion. Your credit card reward certificate must be redeemed in person on or prior to its expiration date of December 31 in the year in which it is issued, unless an alternative form for redemption is provided (at Citi and/or Costco’s discretion). Any Costco Cash Rewards you have earned on purchases made by Authorized Users on your Card Account will be added to your Costco Cash Rewards total. Only you, the primary cardmember, are eligible to receive the annual credit card reward certificate; however, you or anyone you authorize may redeem the certificate as long as you or the authorized individual has a valid Costco membership. You will not receive a credit card reward certificate if your reward is less than $1 or your account is closed at the time your credit card reward certificate is scheduled to be sent; any Costco Cash Rewards that had been accrued at that time will be forfeited. You must maintain your Costco Membership to redeem your credit card reward certificate.

Account Closure

If we close your Card Account, you will no longer be able to earn Costco Cash Rewards, and you will forfeit any Costco Cash Rewards accumulated, but not yet distributed. If you close or convert your Card Account prior to receiving the credit card reward certificate in your February billing statement, any earned Costco Cash Rewards will be forfeited.

Forfeiture

All Costco Cash Rewards not disbursed via an annual credit card reward certificate due to the reward amount being less than $1, the account status (including account closure), or other reasons, will be forfeited. Additionally, any Costco Cash Rewards not redeemed by December 31 of the year of issuance of the credit card reward certificate will be forfeited.

Value of Costco Cash Rewards

Costco Cash Rewards have no cash value until such time as they are redeemed at a Costco warehouse.

Property Rights

You have no property rights or other legal interests in Costco Cash Rewards. Costco Cash Rewards may not be transferred to any other person including through such events as inheritance, bankruptcy or divorce. Costco Cash Rewards cannot be assigned or pledged.

Changes to Program Rules

We may make changes to the Costco Cash Rewards Program at any time without notice. We will give you 30 days’ written notice if we make any of the following changes: a change that negatively affects the number of Costco Cash Rewards you can earn, a change that negatively affects how/when you may lose your Costco Cash Rewards, a change that negatively affects how you can exercise your rights with respect to Costco Cash Rewards, or if we cancel the program.

Fraud

If we see evidence of fraud, misuse, abuse, or suspicious activity, we will investigate and, if we determine that fraud, misuse or abuse has occurred, we may take actions against you. These actions may include, without limitation:

• Taking away the Costco Cash Rewards you earned because of fraud, misuse or abuse
• Preventing you from earning Costco Cash Rewards
• Suspending or closing your Costco Cash Rewards Account
• Taking legal action to recover Costco Cash 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:

• Using your Card Account in an abusive manner for the primary purpose of acquiring Costco Cash Rewards
• Using your Consumer Card Account other than primarily for personal, consumer or household purposes

©2023 Citibank, N.A. Citi and Citi with Arc Design are registered service marks of Citigroup Inc.

BENEFITS

Earn cash back rewards on purchases with the only business credit card designed exclusively for Costco members. A Costco membership is required to apply.

Join Costco today.

4% CASH BACK on eligible gas and EV charging purchases worldwide, including gas at Costco

For the first $7,000 per year and then 1% thereafter.

3% CASH BACK on restaurant and eligible travel purchases worldwide

2% CASH BACK on all other purchases from Costco and Costco.com

1% CASH BACK on all other purchases

No Foreign Transaction Fees* – No matter where you’re traveling, when you use your Costco Anywhere Visa® Card by Citi there are no foreign transaction fees on purchases.*

*Pricing & Information

RATES

Purchase Intro APR: n/a

Balance Transfers Intro APR: n/a

Purchase APR: % (Variable)^*

Annual Fee: $0 with paid Costco membership^*

PRICING & INFORMATION

Costco Anywhere Visa^® Business Card by Citi

Certain terms and conditions apply.

Costco Cash Rewards Program Terms

Your Costco Anywhere Visa^® Business Card by Citi account (“Card Account”) will earn Costco Cash Rewards based on your purchases that can be redeemed for merchandise or cash back at any U.S. Costco warehouse, including Puerto Rico (“Costco Cash Rewards”).

Earning Costco Cash Rewards on Purchases

You'll earn Costco Cash Rewards for purchases using your Card Account, minus returns and refunds, as follows:

• 4% cash back on eligible gas and EV charging purchases worldwide, including gas and EV charging at Costco, for the first $7,000 per year in gas and EV charging purchases and then 1% thereafter.
  • Certain Non-Qualifying Purchases. You will only earn 1% cash back, not 4% for gas and EV charging purchases made at superstores, supermarkets, convenience stores and warehouse clubs other than Costco or for fuel used for non-automobile purchases.
• 3% cash back on restaurant (including cafes, bars, lounges and fast food restaurants) and eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel.
  • Certain Non-Qualifying Purchases: You will only earn 1%, not 3%, for purchases made at bakeries and certain restaurants/cafes inside department stores, grocery or warehouse clubs. Additionally, you will only earn 1%, not 3%, for purchases made at timeshares, campgrounds, bed & breakfasts and for purchases of train and commuter travel.
• 2% cash back on all other purchases from Costco and Costco.com.
• 1% cash back on all other purchases, including the non-qualifying purchases listed above.

What doesn’t qualify as a purchase?

The following types of transactions don't qualify as purchases that earn Costco Cash Rewards:

• Use of checks that access your Card Account
• Balance transfers
• Cash advances
• Travelers checks, foreign currency purchases, money orders, wire transfers and similar cash-like transactions
• Lottery tickets, gaming chips and similar betting transactions
• Interest and account fees
• Unauthorized charges
• Items returned for credit

Merchant Classification for Rewards Categories

Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa 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 as recognized by Citi, your purchase will not qualify for additional Costco Cash Rewards. 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 Costco Cash Rewards depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine which purchases qualify for additional Costco Cash Rewards.

Returns

Returned items may result in credits being applied to your Card Account which will reduce or may eliminate accumulated Costco Cash Rewards and may result in a negative cash rewards balance. If your Card Account has a negative Costco Cash Rewards balance, any newly earned Costco Cash Rewards will be used to offset such negative Costco Cash Rewards balance until such balance has been brought to zero.

You must maintain your Costco Membership to receive and redeem your Costco Cash Rewards.

Receiving & Redeeming Costco Cash Rewards

Your reward is distributed annually once your February billing statement closes. Your reward is distributed in the form of a credit card reward certificate, unless your annual reward amount is greater than $10,000, in which case Citi and Costco reserve the right to distribute your reward in an alternative form (e.g., a check or electronic transfer), at Citi’s and/or Costco’s discretion. Credit card reward certificates are redeemable through December 31 of the year issued in a single transaction at any U.S. Costco warehouse, including Puerto Rico, for merchandise or cash back. An alternative form for redemption other than within the warehouse may be provided at Citi and/or Costco’s discretion. The credit card reward certificate, or alternative-form distribution, will contain your Costco Cash Rewards balance based on your eligible purchases during the annual reward period. The annual reward period is based on January through December billing statements. Should you choose to redeem only a portion of the certificate for merchandise, you will receive the remaining balance in cash or an alternative form (e.g. check or electronic transfer), at the Costco warehouse’s discretion. Requests to redeem the credit card reward certificate for cash may be fulfilled in an alternative form (e.g., a check or electronic transfer), at the Costco warehouse’s discretion. Your credit card reward certificate must be redeemed in person on or prior to its expiration date of December 31 in the year in which it is issued, unless an alternative form for redemption is provided (at Citi and/or Costco’s discretion). Any Costco Cash Rewards you have earned on purchases made by Authorized Users on your Card Account will be added to your Costco Cash Rewards total. Only you, the primary cardmember, are eligible to receive the annual credit card reward certificate; however, you or anyone you authorize may redeem the certificate as long as you or the authorized individual has a valid Costco membership. You will not receive a credit card reward certificate if your reward is less than $1 or your account is closed at the time your credit card reward certificate is scheduled to be sent; any Costco Cash Rewards that had been accrued at that time will be forfeited. You must maintain your Costco Membership to redeem your credit card reward certificate.

Account Closure

If we close your Card Account, you will no longer be able to earn Costco Cash Rewards, and you will forfeit any Costco Cash Rewards accumulated, but not yet distributed. If you close or convert your Card Account prior to receiving the credit card reward certificate in your February billing statement, any earned Costco Cash Rewards will be forfeited.

Forfeiture

All Costco Cash Rewards not disbursed via an annual credit card reward certificate due to the reward amount being less than $1, the account status (including account closure), or other reasons, will be forfeited. Additionally, any Costco Cash Rewards not redeemed by December 31 of the year of issuance of the credit card reward certificate will be forfeited.

Value of Costco Cash Rewards

Costco Cash Rewards have no cash value until such time as they are redeemed at a Costco warehouse.

Property Rights

You have no property rights or other legal interests in Costco Cash Rewards. Costco Cash Rewards may not be transferred to any other person including through such events as inheritance, bankruptcy or divorce. Costco Cash Rewards cannot be assigned or pledged.

Changes to Program Rules

We may make changes to the Costco Cash Rewards Program at any time without notice. We will give you 30 days' written notice if we make any of the following changes: a change that negatively affects the number of Costco Cash Rewards you can earn, a change that negatively affects how/when you may lose your Costco Cash Rewards, a change that negatively affects how you can exercise your rights with respect to Costco Cash Rewards, or if we cancel the program.

Fraud

If we see evidence of fraud, misuse, abuse, or suspicious activity, we will investigate and, if we determine that fraud, misuse or abuse has occurred, we may take actions against you. These actions may include, without limitation:

• Taking away the Costco Cash Rewards you earned because of fraud, misuse or abuse
• Preventing you from earning Costco Cash Rewards
• Suspending or closing your Costco Cash Rewards Account
• Taking legal action to recover Costco Cash 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:

• Using your Card Account in an abusive manner for the primary purpose of acquiring Costco Cash Rewards
• Using your Business Card Account other than for business or commercial purposes

©2023 Citibank, N.A. Citi and Citi with Arc Design are registered service marks of Citigroup Inc.