Earn points on purchases with select Citi credit cards and then redeem those points for rewards.
Our credit card reward points are here for you to redeem where you wish: on travel, shopping, food, or even for cash.
Redeem rewards for certain online purchases, gift cards, statement credit, direct deposit, check by mail, travel, including 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.
Different Citi credit cards offer varying reward point rates across categories of purchases, so choose the card that best suits your lifestyle. Keep reading to learn how to redeem your credit card reward points.
Redeem your reward points to shop
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, Citi’s ThankYou® Points program lets you redeem reward points by putting credit card points earned toward your next purchase with select retailers. You can redeem points for a variety of items big and small, such as kitchen appliances, a TV upgrade, or a new luggage set. The more you use your eligible Citi credit card to pay for everyday items, the more credit card points you will accumulate.
Redeem your reward points for gift cards
Some cards let you redeem rewards points for your choice of gift cards from a variety of popular department stores, restaurants, hotels and more. Gift cards offer flexibility, allowing you to spend your points later at the retailer of your choice.
Use points on airfare and hotels
You may be able to redeem your credit cards points for travel, including airfare and hotels. It’s important to first understand the basics of travel rewards, as travel costs can fluctuate depending on the season.
There are many options when you choose to redeem points for travel rewards. For example, if you have a Citi card that earns ThankYou Points, you can use your points to book travel through the Citi TravelSM portal. If you have an airline credit card, you might be able to redeem your points for travel directly through the airline’s website.
Other ways to use reward points
Donate your rewards points to charity
Citi is proud to enable cardmembers to support charities with ThankYou Points. You can redeem points to make charitable contributions directly through our rewards redemption platform.
If you have unused credit card points or just don’t need anything new, consider making a charitable contribution instead. Note that there may be a minimum point requirement for donations.
Pay down your balance
Reduce your credit card balance by redeeming credit card points for cash back as a statement credit.
Get cash rewards for your points
In addition to requesting a statement credit, you can redeem your points for cash back in the form of a check or direct deposit.
Watch for bonus offers
Be sure to look out for bonus credit card reward offers. Your card issuer may occasionally offer additional points for spending on your existing credit card during a specified period. These offers can vary. For example, the offer could award bonus points for spending at least a specific amount, making purchases in certain categories such as restaurants or making purchases at specific retailers within the offer period.
Whether you shop with your points at select retailers, redeem them for cash, or take advantage of any of the other ways to redeem, you can accumulate more points to redeem when you take advantage of select bonus offers.
Ways to redeem reward points
To redeem ThankYou Points with Citi, go to www.thankyou.com and choose the products to add to your cart. When you’re ready, you can place your order from your cart.
You can also redeem your rewards by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) or 859-283-8016 outside the U.S.
When shopping at participating online retailers such as Amazon.com®, BestBuy.com® or 1800flowers.com®, you can use your points as a payment option at checkout. Depending on the retailer, you can use your points to cover your whole purchase, part of your purchase, or to get a statement credit.
To redeem your ThankYou Points for travel – including flights, hotels, car rentals and attractions – visit the Citi Travel portal.
How to maximize credit card reward points
If you want to maximize the amount of points you earn on your credit card, you should look at your card’s reward structure. See what categories of purchases your card offers the most points for so you can use your card for those types of purchases. For example, if your card offers more points at gas stations, use it whenever you fill up.
Remember to pay your statement balance off in full by the due date each month to avoid interest charges on revolving balances. Interest charges can easily cancel out the value of the points you earn on purchases.
Some cards also have bonus offers that reward additional points if you spend a certain amount on the card within a specified period after account opening. This can be a great way to gain additional points on a new credit card.
Looking for a rewards credit card that’s just right for you? Start your search with Citi credit cards.
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.
