Summary of the Citi Double Cash Card Terms and Conditions

Citi® ThankYou® Rewards

With the Citi Double Cash Card, you can earn ThankYou Points for purchases and payments made on your card. Unless you are participating in a limited-time offer, you will earn:

  • 1 ThankYou point per $1 spent on purchases.
  • 1 ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
  • 3 additional ThankYou Points for each $1 spent on hotels, car rentals and attractions booked with Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Services)

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. See below for additional details

Citi Travel:

  • You will earn 3 ThankYou Points for each $1 spent on hotels, car rentals, and attractions when you use your Citi Double Cash Card to book them with Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Services). When combined with the 1 ThankYou Point for purchases and the 1 ThankYou Point for payments, this totals 5 ThankYou Points per dollar.
  • This may overlap with other special offers in which you are currently enrolled. You must use your Citi Double Cash Card to make the purchase with Citi Travel.
  • For bookings made with a combination of points and your Citi Double Cash Card, only the portion paid with your card will earn points. Points are not earned on cancelled bookings. Citi Travel is powered by Rocket Travel by Agoda.

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, Card Account fees and charges (such as late fees and finance charges), and fees for services or programs you elect to receive through us. When using Citi Flex Pay, you only earn ThankYou Points on the original purchase amount.

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.

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, from 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. 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)

Please see the Citi ThankYou Rewards Terms and Conditions for the Citi Double Cash Card at thankyou.com/dcterms, or call us at 1-800THANKYOU (1-800-842-6596) to request a complete copy of the Terms and Conditions (TTY: We accept 711 or other Relay Service). The Terms and Conditions include redemption information on the Citi ThankYou Rewards Program.

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 without notice, 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 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.

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