{"termsconditions":{"citi-corporate":{"headingType":"To read the ThankYou Rewards Terms and Conditions for Citi<sup>&reg;<\/sup> credit cards and consumer Citibank<sup>&reg;<\/sup> checking accounts select from the drop down below.","termsContentType":[{"termsHeading":"Agreement, Definitions and Accounts","subHeadingType":[{"subHeading":"Information about this agreement and definitions","link":"Infoagreement","termsContent":"<p>&nbsp; &nbsp; &nbsp; Last Updated: September 2026<\/p><ul><li><strong><em>This Agreement.<\/em> <\/strong> This Agreement is between You and Citibank. You accept the terms of this Agreement when You earn Points with your Enrolled Card Account, by continued use of your Enrolled Card Account associated with your ThankYou Account, or when You redeem Points. This Agreement pertains specifically to a ThankYou Account opened because You enrolled in the Program with an Eligible Corporate Card Account. This Agreement replaces any previous versions of terms and conditions governing the Program applicable to your Enrolled Card Account. From time to time, we may give You additional terms and conditions associated with the Program. They&rsquo;ll be considered part of this Agreement. If You have a Citi Account, these terms do not apply to your participation in the Program in connection with that Citi Account. Please see the ThankYou Rewards Program terms and conditions that were provided to You in connection with your Citi Account.<\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Highlighted in blue throughout this Agreement are helpful tips and additional information about the Program.<\/div><ul class=\"terms-list-level-2\"><li><strong> <em>Definitions.<\/em> <\/strong> The following terms, when used in this Agreement, have the meanings below:<ul class=\"terms-list-level-3\"><li><strong>Agreement<\/strong> &ndash;Refers to the entire Citi ThankYou Rewards terms and conditions.<\/li><li><strong>Citi Account<\/strong> &ndash; an account associated with a Citibank product or service, such as a credit card account or a Citibank checking account, other than an Enrolled Card Account, that enables a person to open a ThankYou Account and earn Points.<\/li><li><strong>Citibank, we, us<\/strong> and <strong>our<\/strong> &ndash; Citibank, N.A.<\/li><li><strong>Corporate Member<\/strong> &ndash; Cardholders with an Eligible Corporate Card Account issued in their name<\/li><li><strong>Eligible Corporate Card Account<\/strong> &ndash; Citi Corporate Travel &amp; Entertainment Cards issued by Citibank to natural persons, who are individually billed for charges on such cards in U.S. Dollars<\/li><li><strong>Enrolled Card Account<\/strong> &ndash; an Eligible Corporate Card Account enrolled in the Program.<\/li><li><strong>Member<\/strong> &ndash; A participant in the Program.<\/li><li><strong>Participating Partner<\/strong> &ndash; Businesses with whom Citibank, or a third party on behalf of Citibank, partners with respect to the Program, including retailers and merchants that participate in the Program.<\/li><li><strong>Point(s)<\/strong> &ndash; Loyalty points provided through the Program.<\/li><li><strong>Program<\/strong> &ndash; The Citi ThankYou Rewards loyalty program.<\/li><li><em><strong>Supplier <\/strong><\/em>&ndash; Businesses that provide travel services, including airlines, hotels, car rental companies, and attractions.<\/li><li><strong>Reward(s)<\/strong> &ndash; Items, services, credits, cash and cash equivalents or other offerings for which Points can be redeemed through the Program.<\/li><li><strong>ThankYou Account<\/strong> &ndash; A Program account set up for a Member to keep track of Point activity, including information about when and how the Member receives and redeems Points, and through which a Member may redeem Points.<\/li><li><strong>You<\/strong> and <strong>your<\/strong> &ndash; You, as a Member.<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"Your Thankyou Account(s)","link":"Thankyouaccount","termsContent":"<ul class=\"terms-list-level-2\"><li><strong> <em>Eligibility<\/em> <\/strong><ul class=\"terms-list-level-3\"><li>Subject to the other terms in this Agreement, the Program is available to certain Corporate Members. If You are a Corporate Member, You may enroll in the Program if your Eligible Corporate Card Account is in good standing, your company has chosen to participate in the Program, and your company&rsquo;s enrollment criteria permits You to participate in the Program. Eligibility for enrollment in the Program can change, even if You are already a Member and have Points in your ThankYou Account. A Corporate Member may enroll in the Program only with an Eligible Corporate Card Account issued in his or her own name and not in any other Corporate Member&rsquo;s name.<\/li><\/ul><\/li><li><strong> <em>Setting up a ThankYou Account<\/em> <\/strong><ul class=\"terms-list-level-3\"><li><strong> <em>Enrollment and Program Fee(s).<\/em> <\/strong> The annual fee to enroll an Eligible Corporate Card Account in the Program is $75. This annual fee is nonrefundable. This annual fee will be billed to your Enrolled Card Account on the enrollment date and each enrollment date anniversary, unless You cancel your Enrolled Card Account's participation in the Program by logging onto your CitiManager website and canceling your enrollment through the &ldquo;Rewards&rdquo; webpage on the CitiManager website <a class=\"plainLink\" href=\"https://home.cards.citidirect.com/\" target=\"_blank\" rel=\"noopener\">home.cards.citidirect.com<\/a> at least seven days prior to such anniversary date. The enrollment date will be the day we complete the processing of your Program enrollment.<p>Once the enrollment of your Eligible Corporate Card Account in the Program has been processed, You will begin to earn Points on eligible purchases charged to your Enrolled Card Account. However, in order to view and redeem Points, You must register your Enrolled Card Account with ThankYou Rewards at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596)(For TTY: Use 711 or other Relay Service).<\/p><\/li><li>If You have multiple ThankYou Accounts, You can combine them into one ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596)(For TTY: Use 711 or other Relay Service). ThankYou Accounts held by different Members (even if they are with the same company) cannot be combined or linked with each other for any purpose.<\/li><\/ul><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>You can check your Points balance in the &ldquo;My Point Summary&rdquo; section of &ldquo;My Account&rdquo; at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service). If You think you've received Points in error or haven't received Points that you've earned, call the ThankYou Service Center.<\/div>","subHeadingId":2}],"link":"","headingId":1},{"termsHeading":"Acquiring Points","subHeadingType":{"subHeading":"Acquiring Points","link":"AcquiringPoints","termsContent":"<p>Here's how You can acquire Points:<\/p><ul class=\"terms-list-level-2\"><li><strong> <em>Earn Points with Your Enrolled Card Account.<\/em> <\/strong> You will earn one Point in your ThankYou -Account for every dollar of eligible purchases charged and billed on your Enrolled Card Account, provided such charges are paid on time and the Enrolled Card Account is in good standing on the date of such accrual.<\/li><li><strong> <em>Purchases That Don't Earn Points.<\/em> <\/strong><ul class=\"terms-list-level-3\"><li>You will not earn Points in your ThankYou Account for the following charges on your Enrolled Card Account: cash advances, foreign currency conversion charges, cross border fees, insurance charges, unauthorized charges, payments, travelers checks, convenience checks, finance charges, late charges, ATM cash advances fees, late payment fees and other fees (including, without limitation, annual fees, over limit fees, returned check fees, stop payment fees, and statement reprint fees).<\/li><li>You will not earn Points in your ThankYou Account for any charges incurred on your Enrolled Card Account prior to the date such card's enrollment in the Program was processed.<\/li><\/ul><\/li><li><strong> <em>Credits.<\/em> <\/strong> Credits posted to your Enrolled Card Account, including those arising from returned goods or services and/or disputes settled in your favor, will reduce the Points accrued in your ThankYou Account.<\/li><li>Points in your ThankYou Account can be tracked at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service).&nbsp; If You combine your ThankYou Account associated with your Enrolled Card Account with any other ThankYou Account(s) in your name, the Points accrued through use of your Enrolled Card Account will be added to the Points, if any, in your other ThankYou Account(s). If You combine such accounts, You can track the combined Points and also separately track the Points that have accrued through use of your Enrolled Card Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service).<\/li><li><strong> <em>Open and Current Card Account.<\/em> <\/strong> You may earn Points as long as your Enrolled Card is open and current.<ul class=\"terms-list-level-3\"><li><strong> <em>When You Will Receive Points.<\/em> <\/strong> Points earned through a purchase with your Enrolled Card Account may not be posted to your ThankYou Account or available for redemption until up to 35 days after such Points have been earned.<\/li><\/ul><\/li><li><strong> <em>Negative Point Balance.<\/em> <\/strong> Subtracting Points from your ThankYou Account (for example, if You return items purchased with your Enrolled Card Account) can result in a negative Point balance. If this happens, Points You earn after that will be used to bring your balance to zero.<\/li><\/ul>","subHeadingId":1},"link":"","headingId":2},{"termsHeading":"Redemption and Rewards","subHeadingType":[{"subHeading":"REDEMPTION AND REWARDS","link":"REDEMPTIONANDREWARDS","termsContent":"<ul class=\"terms-list-level-2\"><li><strong> <em>Who May Redeem.<\/em> <\/strong> Only You can redeem Points from your ThankYou Account, unless we tell You otherwise.<\/li><li><strong> <em>When Points May Be Redeemed.<\/em> <\/strong> Once Points appear in your ThankYou Account, they're available for redemption.<\/li><li><strong> <em>What Can I Get with My Points.<\/em> <\/strong> Find out what You can currently get with your Points by logging into your ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>.<\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>It&rsquo;s important to protect your online ThankYou Account username and password in the same way You protect other information associated with your Enrolled Card Account (such as your account number). Anyone who can access your online account can use your Points to redeem for Rewards and change your personal information.<\/div><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong> <em>Additional information on redeeming points<\/em> <\/strong><\/h3><ul class=\"terms-list-level-2\"><li><strong> <em>Insufficient Point Balance.<\/em> <\/strong> If your Point balance falls below the number of Points required to redeem for a Reward after you've already ordered it (for example, because You returned a purchase), we may stop delivery of that Reward.<\/li><li><strong> <em>No Warranties.<\/em> <\/strong> Citibank, its affiliates and any merchants participating in the Program make no guarantees, warranties or representations of any kind concerning the Program.<\/li><li><strong> <em>No Liability for Rewards.<\/em> <\/strong> You release Citibank, its affiliates and any merchants participating in the Program from all liability regarding the redemption and use of Points and Rewards, including any Rewards that are lost, stolen or destroyed after they're received.<\/li><li><strong> <em>No Affiliation with Rewards Merchants.<\/em> <\/strong> Participating Rewards merchants aren't affiliated with or responsible for administration of the Program.<\/li><li><strong> <em>Taxes.<\/em> <\/strong> The monetary value of a Reward for which You redeem your Points may be considered taxable income from Citibank in the tax year in which You redeem the Points, in accordance with U.S. tax law. Citibank may be required to send You (and file with the IRS) a Form 1099-MISC (Miscellaneous Income) for the year in which You redeem your Points for a Reward when the value of the Reward plus other taxable Miscellaneous Income You receive from Citibank totals $600 or more for a calendar year. We determine the monetary value of Rewards received through your Points redemptions for tax purposes. The value of Rewards received by redeeming certain Points, such as bonus Points, is taxable income. You're responsible for any personal tax liability due to the receipt of a Reward due to your Point redemption &ndash; consult with your tax advisor.<\/li><li><strong> <em>Availability of Rewards.<\/em> <\/strong> The availability of any Reward isn't guaranteed.<\/li><li><strong> <em>Point Value May Vary.<\/em> <\/strong> The value of a Point may vary depending on the Reward for which it's being redeemed. The value of a Point may also vary depending on whether it was earned with an Enrolled Card Account or a Citi Account.<\/li><!-- <li> <strong>Even though two Rewards may have the same value in dollars, they may have a different cost in points<\/strong> <\/li> --><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Even though two Rewards may have the same value in dollars, they may have a different cost in Points.<\/div><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong>GIFT CARD TERMS &amp; CONDITIONS<\/strong><\/h3><p><strong><em>Gift cards/certificates:<\/em><\/strong> Gift cards/certificates are subject to the terms and conditions set by the merchant who issues the gift card/gift certificate. Citibank is in no way affiliated with the issuers of the gift cards/certificates nor are they considered sponsors or co-sponsors of ThankYou Rewards. Any use of the merchant names and/or logos is by permission of each respective merchant and all trademarks are the property of their respective owners. For expiration policies and non-usage fees, if any, please refer to the specific merchant&rsquo;s product information page or contact the ThankYou Service Center via 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service). Gift cards/certificates may not be returned, unless damaged or defective.<\/p><p><strong><em>eGift cards/certificates:<\/em><\/strong> eGift cards/certificates allow You to send gift cards/certificates virtually, either by email or text message, instantly or on the date You choose. Text messaging and data rates may apply. When You redeem ThankYou Rewards for a gift card/certificate, we will send you a confirmation email including a link to send the gift card/certificate digitally. Like physical gift cards/certificates, eGift cards/certificates are subject to the additional terms and conditions set by the issuing merchant, which You can find on thankyou.com.<\/p><ul class=\"terms-list-level-2\"><li><strong>Delivery of physical gift cards/gift certificates.<\/strong><br>Physical gift cards and gift certificate Rewards are delivered to P.O. boxes and shipping addresses in the United States and its 5 major U.S. Territories (American Samoa, Guam, Northern Mariana Islands, Puerto Rico and U.S. Virgin Islands) unless otherwise noted on the item detail page or at checkout. Allow one (1) to three (3) weeks for shipment. If You haven't received your gift card/gift certificate Reward within ten (10) days after the shipped date, please let us know. You must contact us within one hundred twenty (120) days of your order date if You have not received your gift card/gift certificate. You can do so either by accessing the 'Order History' section under 'My Account' at thankyou.com, and then clicking 'Return Order' or by calling us at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><li><strong>Delivery of eGift cards/gift certificates.<\/strong><br>eGift cards/certificates and any other virtual Rewards are deliverable only to valid email addresses and telephone numbers. If You do not provide a valid email address or telephone number, then we will not be able to deliver the eGift card/certificate to Your intended recipient or the eGift card/certificate may be sent to an unintended recipient. Citibank will not replace or refund eGift cards/certificates sent to an unintended recipient due to an incorrect email address or telephone number.<\/li><li><strong>Cancellation of gift cards/gift certificates.<\/strong><br><ul class=\"terms-list-level-3\"><li><strong>Physical gift cards/gift certificates.<\/strong> Only some orders of physical gift cards/gift certificates may be canceled. We'll let You know on the Order History page if You can cancel your order. You may return a physical gift cards/gift certificates due to a defect or damaged shipment by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) and following the customer service agent's instructions.<\/li><li><strong>eGift cards/gift certificates. <\/strong>You can't cancel, return or exchange e-cards or e-certificates.<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"Certain Reward Options","link":"RewardOptions","termsContent":"<ul class=\"terms-list-level-2\"><li><p><strong><em>Reward-Specific Terms and Conditions<\/em><\/strong><br>Special terms and conditions may apply to certain Rewards. For example, certain Rewards, such as Statement Credit, require You to redeem a minimum number of Points. Merchants may also impose terms and conditions on Rewards &ndash; e.g. limiting your use of a gift card in certain cases. Some of those terms and conditions can be found at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>. Sometimes you'll be required to affirmatively accept those terms and conditions when You redeem your Points. Even if You aren't required to do so, by redeeming your Points for that Reward, You acknowledge that you've read and agreed to the applicable terms and conditions. Please carefully read all terms and conditions before redeeming Points.<\/p><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Additional Rewards not listed below may be available on <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>. Before You redeem Points for one of those Rewards, we'll give You any additional terms and conditions that apply.<\/div><ul class=\"terms-list-level-2\"><li><strong><em>Shop with Points<\/em><\/strong> - ThankYou members with an eligible Enrolled Card Account can use ThankYou Points online and in-person at Shop with Points Participating Partners. You can use Shop with Points for purchases at certain online Participating Partners and for in-person purchases at certain Participating Partners.<\/li><li><strong><em>Shop with Points &ndash; Use Points for purchases.<\/em><\/strong> Citi will deduct the number of Points You redeem for Your purchase from Your ThankYou Account balance. A Participating Partner may restrict the use of Points for purchases of select items. Citi has the right to change Point to dollar conversion rates at any time. Purchases made with ThankYou&reg; Points may be subject to the Participating Partner&rsquo;s return and refund policy, which may include restocking fees. Participating Partner information can be found in the Frequently Asked Questions on thankyou.com. Citi or the Participating Partner may set a fee to redeem Points or a minimum Point redemption requirement. If a redemption requirement or fee applies, it will be disclosed to You at the time of redemption. Any authorized users of Your Card Account may be able to redeem Points through Shop with Points at Participating Partners.<\/li><li><strong><em>Shop with Points - Use Points for purchases at online Participating Partners.<\/em><\/strong><br>Participating Partner&rsquo;s terms and conditions apply to purchases using Points at the Participating Partner&rsquo;s website and links to these are available in the FAQs at thankyou.com. Your ThankYou Account balance may not reflect redemptions for pending purchase transactions until the purchase has shipped. You may only participate in Shop with Points at online Participating Partners if You have an Enrolled Card Account that is current and in good standing. In addition, You must either be auto enrolled or complete the self-registration process, as further explained below. When You are enrolled, Citi will provide the online Participating Partner with information about your ThankYou Account. &nbsp;When You Shop with Points at online Participating Partners, in addition to the foregoing, You also agree to the following terms and conditions:<ul class=\"terms-list-level-3\"><li><strong><em>Auto-enrollment.<\/em><\/strong> You may be automatically enrolled in Shop with Points at online Participating Partners if You have previously added or add an Enrolled Card Account to the online Participating Partner&rsquo;s account. If You are automatically enrolled, your ThankYou Account will be linked to the online Participating Partner&rsquo;s account using the Enrolled Card Account in the online Participating Partner&rsquo;s account. In the event You are auto-enrolled, You will receive an email from the online Participating Partner informing You of the auto-enrollment and how to de-enroll if You do not want to participate.<\/li><li><strong><em>Self-registration. <\/em><\/strong>You may enroll in Shop with Points through the self-registration process at online Participating Partners. &nbsp;You may want to self-register if, for example, You would like to participate in Shop with Points before You are auto-enrolled or if You have de-enrolled and later decide You would like to use your Points at online Participating Partners. &nbsp;During the self-registration process, your ThankYou Account will be linked to your account with the online Participating Partner using the Enrolled Card Account. Following self-registration, You will receive an email from the online Participating Partner confirming your registration and telling You how to de-enroll.<\/li><\/ul><\/li><li><strong>Shop with Points<\/strong> <strong>&ndash; Use Points for in-person purchases at certain Participating Partners<\/strong>.<br>You can only use Points for in-person purchases at certain Participating Partners if You have an Enrolled Card Account that is current and in good standing. When you use your Enrolled Card Account, Citi will provide certain Participating Partners with information about your ThankYou Account in order to determine if your purchase is eligible for Shop with Points. If an in-person purchase is eligible for Shop with Points, You may be presented a redemption offer. &nbsp;You will have the option to accept or decline to use Points for in-person purchases at certain Participating Partners. If you do not want to receive a redemption offer at a certain Participating Partner, visit the Shop with Points Accounts section of thankyou.com or call the ThankYou Service Center at 1-800-ThankYou (1-800-842-6596) (TTY: we accept 711 or other Relay Service) to opt out.<\/li><\/ul><ul class=\"terms-list-level-2\"><li id=\"RewardRedempCharitable\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Charitable Contributions.<\/em><\/strong> You can redeem Points for a check made payable to a charity listed on <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>. Please refer to the Charitable Contributions page on <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> for available denominations.<ul class=\"terms-list-level-3\"><li><strong><em>Shipping and Confirmation.<\/em><\/strong> A check including your charitable contribution is sent via USPS First-Class<sup>&reg;<\/sup> Mail directly to the charity, and You should receive a written confirmation letter within one (1) to three (3) weeks of redemption. If You don't receive the letter within that time, please let us know.<\/li><li><strong><em>Participating Charities.<\/em><\/strong> Participating charities are subject to change. We may discontinue our relationship with any charity, at any time, without notice.<\/li><li><strong><em>Taxes.<\/em><\/strong> Consult your tax advisor to determine if your redemption of Points toward a charitable contribution is tax deductible.<\/li><\/ul><\/li><li id=\"RewardRedempStatementCredit\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Statement Credit for Card Accounts.<\/em><\/strong> Citi Corporate accounts enrolled in ThankYou Rewards are not eligible for statement credits. However, if you have another Citi Account enrolled in ThankYou Rewards and have combined accounts into one ThankYou Rewards member account, you may redeem your combined point balance for statement credits to your eligible Citi Card accounts. In this case, You can redeem Points for a statement credit in any denomination, which will be applied to your Card Account. <strong>You must still make the required minimum payment due on your Citi&reg; credit card Account.<\/strong>&nbsp; You&rsquo;ll receive a confirmation letter within one (1) to three (3) weeks of redemption, and your statement credit should appear within two (2) billing cycles after You redeem your Points. <strong>Statement credits may not be canceled.<\/strong><\/li><li id=\"RewardRedempCashRewards\" data-category-id=\"3\" data-subcategory-id=\"2\"><em><strong>Cash Rewards.<\/strong><\/em> You can redeem Points for a check made payable to You. The minimum redemption amount for a check is $5. <strong>Checks are valid for one hundred eighty (180) days.<\/strong><ul class=\"terms-list-level-3\"><li><strong><em>Shipping and Confirmation.<\/em><\/strong> Your Cash Rewards confirmation letter and check are sent only to your address on record via USPS First-Class<sup>&reg;<\/sup> Mail within one (1) to three (3) weeks of redemption.<\/li><li><strong><em>Cancellations.<\/em><\/strong> All Cash Rewards redemptions are final. Points redeemed for Cash Rewards can't be returned unless we cancel the check and a stop payment is placed, resulting in a return order status and automatic reinstatement of your Points. Please note that a check may be canceled if, for example, there was a misspelling on the check or You never received it. You must call us if You don't receive your Cash Rewards check ten (10) days after shipment. You can find the shipping date on the order history page for your ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>, or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service).<\/li><\/ul><\/li><\/ul>","subHeadingId":2},{"subHeading":"Travel","link":"Travel","termsContent":"<ul class=\"terms-list-level-2\"><li><strong><em>Citi Travel<sup>&reg;<\/sup><\/em><\/strong> provides travel-related Rewards, which is powered by Rocket Travel by Agoda (&ldquo;Rocket Travel Inc.&rdquo;), a service partner for the Program. You can redeem Points through Citi Travel for airfare, hotels, car rentals, attractions and other travel, if applicable. The terms and conditions included below are only some of the terms and conditions that apply to Citi Travel. You can find a complete list of travel terms and conditions on <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a>. Please review them carefully before redeeming for a Reward.<ul class=\"terms-list-level-3\"><li><strong><em>Contacting the Citi Travel service center<\/em><\/strong><ul class=\"terms-list-level-5\"><li><strong><em>Online.<\/em><\/strong> Travel bookings can be made through Citi Travel. All travel bookings require the use of a Citi eligible credit card or Points from an eligible ThankYou Rewards account.<\/li><li><strong><em>Calling the Citi Travel service center.<\/em><\/strong> Travel bookings can also be made by calling the Citi Travel service center at 1-833-737-1288 (For TTY: Use 711 or other Relay Service). All travel bookings require the use of a Citi eligible credit card or Points from an eligible ThankYou Rewards account.<\/li><\/ul><\/li><\/ul><ul class=\"terms-list-level-3\"><li><strong><em>Points Redemption.<\/em><\/strong> The number of Points required for travel Rewards varies based on a combination of factors including itinerary, date and time of travel. You may redeem for travel Rewards using a combination of Points and dollars. The total number of Points required for a travel Reward will include payment of any taxes, fees and surcharges applicable to that Reward. Taxes, fees and surcharges on travel Rewards may change at any time without notice.<\/li><li><strong><em>Confirmation.<\/em><\/strong> No Point amount, travel Rewards availability, or times of travel are confirmed until the required number of Points have been deducted, and the tickets or travel documents have been issued.<\/li><\/ul><\/li><li><strong><em>Travel Rewards Overview.<\/em><\/strong> Travel Rewards include airline tickets, hotel accommodations, rental cars, and attractions (\"<strong>Travel Rewards<\/strong>\"). Travel Rewards reservations can be made online at thankyou.com or by calling the Citi Travel service center. All Travel Rewards are subject to availability and restrictions of the relevant Supplier. Travel Rewards may not be booked for minors traveling unaccompanied by an adult. ThankYou Rewards has the final authority on all decisions regarding Travel Rewards ticketing, pricing and availability and the interpretation of these Travel Rewards Terms and Conditions.<\/li><li><strong><em>Travel Rewards Information.<\/em><\/strong> The Point-cost of ThankYou Travel Rewards are based on variable amounts. These amounts are based on a combination of factors including itinerary, date and time of travel, and dollar value of travel. The amount of ThankYou Points needed for these Travel Rewards can be researched on thankyou.com. The following guidelines apply to these Travel Rewards:<ul class=\"terms-list-level-3\"><li>No blackout dates<\/li><li>Taxes, fees and surcharges that are collectible by Rocket Travel Inc. are included in the number of ThankYou Points required. Taxes, fees and surcharges are subject to change without notice.<\/li><li>Airline, hotel, car rental, vacation, and attraction/excursion company participation may vary from market to market.<\/li><li>The Citi Travel service center does not hold Travel Rewards reservations.<\/li><li>All bookings made by Rocket Travel Inc. shall comply with all applicable U.S. laws, rules and regulations including, without limitation, sanctions issued by the Office of Foreign Assets Control. Such sanctions may prevent Rocket Travel Inc. from offering travel to specific destinations or individuals. To assist Rocket Travel Inc. with its compliance with laws, rules and regulations, Rocket Travel Inc. may ask You for additional information. Any booking made, or in good faith believed to be made, in violation of U.S. law, will be cancelled by Rocket Travel Inc., in its sole discretion, with no liability to You other than to issue a refund, if permitted by law.<\/li><\/ul><\/li><li><strong> <em>Travel Rewards Point Deductions and Payment Options.<\/em> <\/strong> Redeemed ThankYou Points will be deducted from your ThankYou Member Account at the time of booking. No ThankYou Point amounts, Travel Rewards availability, or dates of travel are confirmed until the required number of ThankYou Points have been deducted, and the tickets or travel documents have been issued. ThankYou Members have the option to redeem for Travel Rewards using a combination of ThankYou Points and their eligible Citi credit card. Additional Travel Reward options not offered through Rocket Travel Inc. may be available through other merchants participating in ThankYou Rewards. These additional Travel Rewards options are not affiliated with or offered through Rocket Travel Inc.<\/li><li><strong><em>Redemptions and Transactions made through Citi Travel&nbsp;<\/em><\/strong><p>All transactions are NON REFUNDABLE and NON CHANGEABLE unless permitted by the terms disclosed at time of booking. You can find a complete list of travel terms and conditions on <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a>. No shows are non-refundable and will result in a forfeiture of all payments made and Points used by You in connection with the reservation, without credit due.<\/p><p>A small number of air carriers may require Rocket Travel Inc. to confirm flight availability when booking. If there is any issue with availability, you will receive an email regarding the status of your booking.<\/p><\/li><li><strong><em>Travel Rewards Details. <\/em><\/strong>Travel Rewards cannot be redeemed for cash and have no cash value. Travel Rewards have no residual cash value. Travel Rewards cannot be combined with any other certificates, coupons, discounts, upgrades, awards or promo codes. Travel Rewards are offered as promotional items and are void if sold for cash or other consideration, or if altered or copied, and cannot be reissued if destroyed, lost or stolen. Frequent flyer mileage accrual, usage and upgrades may not be used with Travel Rewards. Travel Rewards are not valid where prohibited by law.<\/li><li><strong> <em>Travel Changes by You.<\/em> <\/strong> All airline tickets, hotel, car rental, vacation packages and attractions booked in exchange for ThankYou Points are nonrefundable, nonendorsable and nontransferable. Changes to bookings are subject to the Supplier&rsquo;s policies, and the fees and conditions described in these terms and conditions. Any additional costs due to a permitted change are your responsibility and will be collected in U.S. dollars, not ThankYou Points, with a credit card in the name of the ThankYou Member. Any change, cancellation or additional collection fees imposed by the airline, hotel, car rental company, or activity provider are the responsibility of the traveler.<\/li><li><strong> <em>Travel Changes and Cancellations by the Supplier.<\/em> <\/strong> Airline, hotel, car rental, and tour operator schedules, terms, points of service and fares are subject to change without notice by the Suppliers. Airline schedule changes, flight cancellations and interruptions, oversold flights, hotels, and attractions are outside of the control of Rocket Travel Inc. and ThankYou Rewards. These situations must be remedied by the applicable travel Supplier and may be subject to Federal or State Regulations. If an airline declares bankruptcy, it is not obligated to carry You or to refund tickets issued before the bankruptcy. Rocket Travel Inc. is not allowed to refund tickets on airlines that have declared bankruptcy. ThankYou Points redeemed for Travel Rewards or money given to Rocket Travel Inc. immediately becomes the property of the airline and ThankYou Rewards and Rocket Travel Inc. is required by law to comply with the airline's orders.<\/li><li><strong> <em>Liability Disclaimer. <\/em> <\/strong>Rocket Travel Inc. acts only as an agent for the Supplier in regards to travel and the travel-related services, and assumes no liability for injury, damage, loss, accident, delay or irregularity which may be caused due to defects in the travel products, acts of God, war, riots, or by any company or person involved in carrying out travel arrangements. Rocket Travel Inc. reserves the right to accept minor adjustments to the booking confirmation provided by the Supplier, where applicable. In the event of the Supplier cancels a booking prior to departure, a full refund will constitute a full settlement of all liability. To the extent applicable, a passenger's ticket(s), when issued, or electronic reservation, shall constitute the sole contract between the Supplier and the purchaser and/or passenger, and Rocket Travel Inc. shall have no liability for any actions or omissions of the Supplier. Rocket Travel Inc. is not responsible for any changes initiated by the passenger after departure.<\/li><li><strong><em>Contacting Rocket Travel, Inc.<\/em><\/strong><p>If there are any questions regarding Rocket Travel, Inc.&rsquo;s full terms and conditions, please visit <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a><br>Rocket Travel, Inc.<br>641 West Lake Street, Ste. 102<br>Chicago, IL 60661<br>Email: <a href=\"&quot;mailto:concierge@rocketmiles.com\">concierge@rocketmiles.com<\/a><\/p><\/li><li><strong><em>Seller of Travel Registration Numbers <\/em><\/strong> Agoda International USA LLC, part of the Booking Holdings Inc. group of companies, and its relevant affiliates, including Rocket Travel Inc., facilitates the booking of the travel arrangements for You on behalf of Citi Travel. State Seller of Travel registration numbers (or equivalent) for Agoda International USA LLC in the states that require registration are: California (#2149788-50) (registration as a Seller of Travel does not constitute approval by California; Agoda International USA LLC is not a participant in the Travel Consumer Restitution Fund); Florida (#ST43421); Hawaii (#TAR-7458); and Washington (#604-161-566).<\/li><\/ul>","subHeadingId":3}],"link":"","headingId":3},{"termsHeading":"Points Expiration Suspension and Forfeiture","subHeadingType":[{"subHeading":"Points Expiration","link":"PointsExpiration","termsContent":"<ul><li><strong><em>Expiration of Points Acquired through Your Enrolled Card Account. <\/em><\/strong><br>Points accrued through use of your Enrolled Card Account will not expire, provided all other conditions set forth in this Agreement have been met.<\/li><li><p><strong>Expiration of Points Received through Point Sharing.<\/strong> Shared points expire ninety (90) days after the date You or another Member shared them. For example, Points shared on January 15, 2024, will expire April 15, 2024. <i>Effective May 17, 2026, Point Sharing will no longer be offered as a ThankYou<sup>&reg;<\/sup> Rewards redemption option.<\/i><\/p><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>If You have Points that are expiring, when You redeem your Points for a Reward, we'll deduct the Points with the earliest expiration date first from your ThankYou Account. Find out if any Points will expire in the next sixty (60) days by visiting <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> and looking under &ldquo;My Points Summary&rdquo; in the &ldquo;My Account&rdquo; section. You can also call the THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service).<\/div>","subHeadingId":1},{"subHeading":"Loss or Suspension of Points","link":"LossorSuspension","termsContent":"<p>This section tells You how Points you&rsquo;ve already earned or received may be lost or suspended.<\/p><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong>When Your Enrolled Card Account is Closed or Your Enrollment in the Program is Cancelled<\/strong><\/h3><p>How your Enrolled Card Account was closed or converted determines how long You have to use Points associated with your Citi Account.<\/p><p>If You have multiple Citi Accounts associated with only one ThankYou Account and your Enrolled Card Account is closed, or enrollment of your Enrolled Card Account in ThankYou Program is cancelled, You will lose only the Points that You earned with the Enrolled Card Account.<\/p><ul><li><strong><em>You Close Your Enrolled Card Account or Cancel Your Enrollment in the Program<\/em><\/strong><strong>. <\/strong>If You voluntarily close your Enrolled Card Account, or cancel enrollment in the Program, You must use the Points within ninety (90) days after your Enrolled Card Account is closed, or if required by law, from notification of account closure, or You will lose them.<\/li><li><strong><em>We Close Your Enrolled Card Account or Cancel Your Enrollment in the Program<\/em><\/strong>. If we close your Enrolled Card Account, or cancel your enrollment in the Program, You must use the Points within ninety (90) days after your Enrolled Card Account is closed or unenrolled in the Program, or if required by law, from notification of account closure, or You will lose them.<\/li><li><strong>Limited Online Access<\/strong>. When your Enrolled Card Account is closed or your enrollment in the Program is cancelled, You will lose access to your ThankYou Account online unless You have one or more open Citi Accounts or Enrolled Card Accounts that participates in the ThankYou Program. You may redeem your Points by contacting the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service).<\/li><li><strong>Limited Rewards Options<\/strong>. Some rewards options require You to have an eligible open Enrolled Card Account. When your Enrolled Card Account is closed or your enrollment in the Program is cancelled, some redemption options may be limited or ineligible such as:<ul><li>Rewards that require an open Enrolled Card Account that participates in the ThankYou Program.<\/li><\/ul><\/li><\/ul><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong>When Your ThankYou Account is Closed<\/strong><\/h3><p>Your ThankYou Account may be closed when there are no open Citi Accounts or Enrolled Card Accounts associated with your ThankYou Account, You request to close your ThankYou Account, or your ThankYou Account is closed due to Fraud, Misuse, Abuse or Suspicious Activity.<\/p><ul><li><strong><em>All Your Enrolled Card Accounts Are Closed<\/em><\/strong>. When your Enrolled Card Account closes, and if You have no other open Enrolled Card Accounts or Citi Accounts associated with your ThankYou Account, we will close your ThankYou Account.<\/li><li><strong><em>When Your ThankYou Account Closes<\/em><\/strong><strong>.<\/strong> If You have Points, and your ThankYou Account is closed for any reason, You will lose them immediately.<\/li><li><strong><em>We Cancel the Program<\/em><\/strong>. If the Program is canceled, you&rsquo;ll have ninety (90) days from the Program&rsquo;s cancellation date, or if required by law, from notification of Program cancellation, to redeem your Points. After ninety (90) days, you&rsquo;ll lose any remaining Points.<\/li><li><strong><em>If Your Company Terminates Your Participation in the Program. <\/em><\/strong>If your company terminates your ability to participate in the Program, then your enrollment in the Program will terminate immediately, and you&rsquo;ll lose any Points earned through use of your Enrolled Card Account immediately, unless prohibited by law.<\/li><li><strong><em>If Your Company Terminates its Citi Corporate Card Program.<\/em><\/strong> If your company&rsquo;s Citi Corporate Card program terminates for any reason, your enrollment in the Program will terminate immediately, and you&rsquo;ll lose any Points earned through your use of your Enrolled Card Account immediately, unless prohibited by law.<\/li><li><strong><em>No Points Reinstatement<\/em><\/strong>. Points You lose are not eligible for reinstatement.<\/li><\/ul><ul><li><strong><em>Loss upon Death. <\/em><\/strong>You will lose your Points upon your death, and your estate, successors and assigns have no property rights or other legal interests in such Points, except under these circumstances<strong><em>:<\/em><\/strong><ul><li><strong><em>Cash Rewards Option<\/em><\/strong>. If we receive a written request within one (1) year of your death from the executor or administrator of your estate, along with evidence satisfactory to us of your death and the identity and appointment of the executor or administrator, we can allow Points remaining in your ThankYou account to be redeemed for Cash Rewards. Only a lawfully designated executor or administrator may redeem Points on behalf of the deceased. Contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service) for more information.<\/li><\/ul><\/li><\/ul>","subHeadingId":2}],"link":"","headingId":4},{"termsHeading":"Changes to These Terms and Other Important Information","subHeadingType":[{"subHeading":"Changes to this Agreement or to the Program","link":"changestoagreement","termsContent":"<ul class=\"terms-list-level-2\"><li><strong> <em>Changes without Notice.<\/em> <\/strong> We may make changes to the Program and/or the terms of this Agreement at any time, and if required by law, we will provide 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 <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>.<\/li><li><strong> <em>Changes with Notice.<\/em> <\/strong> We'll give You thirty (30) days' advance written notice if we make any of the following changes:<ul class=\"terms-list-level-3\"><li>A change that negatively affects the number of Points You can earn<\/li><li>A change that negatively affects when your Points expire or how/when You may lose Points<\/li><li>A change in how You can exercise your rights under this Agreement<\/li><li>If we cancel the Program<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"Fraud, Misuse And Abuse; Other Important Information","link":"Fraud","termsContent":"<ul class=\"terms-list-level-2\"><li><strong> <em>Fraud, Misuse, Abuse, or Suspicious Activity.<\/em> <\/strong> 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:<ul class=\"terms-list-level-3\"><li>Taking away your accrued Points<\/li><li>Stopping You from earning Points<\/li><li>Suspending or closing your ThankYou Account<\/li><li>Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages<\/li><li>Cancelling your Enrolled Card<\/li><\/ul><p><strong>Some examples of fraud, misuse, abuse and suspicious activity include:<\/strong><\/p><ul class=\"terms-list-level-3\"><li>Buying or selling Points<\/li><li>Repeatedly opening Citi Accounts for the primary purpose of acquiring Points<\/li><li>Using your Enrolled Card Account in an abusive manner for the primary purpose of acquiring Points<\/li><li>Points redemptions that You didn't authorize<\/li><\/ul><p>The Program is intended to be a service provided to an individual, not a company. You may redeem Points for rewards for personal or business purposes as You may choose. It is considered fraudulent and abusive for any individual or company to (i) direct or compel any Member or other individual to redeem Points for company use or (ii) to direct, compel, encourage or allow a Member or other individuals to use a single Enrolled Card Account for the purpose of accumulating Points for company use.<\/p><p>Please contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service) immediately if You suspect your ThankYou Account is the target of fraud or suspicious activity.<\/p><\/li><li><strong> <em>No Cash Value.<\/em> <\/strong> Points have no cash value.<\/li><li><strong> <em>No Property Rights.<\/em> <\/strong> You have no property rights or other legal interests in Points. By operation of law, You can't transfer Points through such events as an inheritance, bankruptcy or a divorce. Points also can't be assigned or pledged.<\/li><li><strong> <em>Disputes Between Member and Other Persons.<\/em> <\/strong> We're not responsible for disputes between You and a third party involving Points or any other aspect of the Program.<\/li><li><strong> <em>Indemnity.<\/em> <\/strong> You agree to indemnify us and our third-party service providers, and all of our and their respective affiliates, directors, officers, employees, agents and contractors, and hold us and them harmless from and against any loss, damage, liability, cost or expense of any kind (including attorneys' fees) arising from our or an authorized user's use of the Program, any fraud, misuse or abuse of the Program, violation of this Agreement and/or violation of any applicable law or the rights of any third party.<\/li><li><strong> <em>Limitation on Liability.<\/em> <\/strong> You release us, our third-party service providers, and our and their respective affiliates, directors, officers, employees, agents and contractors, for your participation in the Program, including in connection with earning Points, redeeming Points for Rewards and using Rewards, the expiration and forfeiture of Points and changes to or cancellation of the Program. The third-party service providers, including merchants and contractors, that participate in the Program aren't affiliated with us, and we and our affiliates, directors, officers, employees and agents aren't responsible for, and You release us from, any liability arising in connection with products and services provided by those third-party service providers, including Rewards and/or any such services provided in connection with Rewards, such as delivery or servicing.<\/li><li><strong> <em>Void Where Prohibited by Law.<\/em> <\/strong> The Program and/or any feature of the Program are void where prohibited by federal, state or local law or regulation and are subject to change as necessary to comply with law or regulation.<\/li><li><strong> <em>Notices and Communications.<\/em> <\/strong> We may send communications about the Program to You at any mailing or email address on our records or through our online services. You agree that we (and/or our service providers or anyone we authorize) may contact You at any phone number, email address or mailing address You provide or we obtain in other ways. This includes communications to mobile, cellular/wireless, or similar devices. We may contact You by live operator, auto-dialer, recorded or artificial voice, text or email. You agree to pay any charges from your plan provider for communications we send to You, as well as communications You send to us. We may use voice recognition technology to verify your identity when You call. We may capture and store your voiceprint for this purpose.<\/li><li><strong> <em>Disputes.<\/em> <\/strong> All questions or disputes regarding eligibility for the Program, good standing, charges eligible for Point accrual, and suspension and forfeiture of Points will be resolved by Citibank at its sole discretion.<\/li><\/ul>","subHeadingId":2},{"subHeading":"Incorporation Of Enrolled Card Account Terms And Conditions","link":"IncorporationOfEnrolledCard","termsContent":"<p>Tells you that certain terms in your Enrolled Card Account agreement also apply to this Agreement.<\/p><p>The agreement governing your Enrolled Card Account is incorporated into this Agreement for purposes of governing law, enforcement rights and dispute resolution, including any arbitration provision contained in it.<strong> Read your applicable Enrolled Card Account agreement for these important provisions.<\/strong><\/p>","subHeadingId":3}],"link":"","headingId":5}],"introTitle":"Citi<sup>&reg;<\/sup> Corporate Card Rewards Program Terms & Conditions"},"doublecash-card":{"headingType":"To read the ThankYou Rewards Terms and Conditions for Citi<sup>&reg;<\/sup> credit cards and consumer Citibank<sup>&reg;<\/sup> checking accounts select from the drop down below.","termsContentType":[{"termsHeading":"Agreement, Definitions and Accounts","subHeadingType":[{"subHeading":"Information about this agreement and definitions","link":"AgreeDefAccDefault","termsContent":"<p>Last Updated: September 2026<\/p><p>This section tells You what this Agreement governs and how it&rsquo;s structured. This section also defines certain terms used throughout this Agreement.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>This Agreement.<\/em><\/strong> This Agreement is between You and Citibank. You accept the terms of this Agreement when You earn or redeem Points by continued use of Your Card Account. This Agreement replaces any previous versions of terms and conditions governing ThankYou<sup>&reg;<\/sup> Points associated with Your Card Account and the Program. From time to time, we may give You additional terms and conditions associated with the Program. They&rsquo;ll be considered part of this Agreement. If You have a Citi Account other than Your Card Account, please see the ThankYou Rewards Program terms and conditions that were provided to You in connection with that other Citi Account.<\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>In the blue boxes throughout this Agreement are helpful tips and additional information about the ThankYou Program.<\/div><ul class=\"terms-list-level-2\"><li><strong><em>Definitions.<\/em><\/strong> The following terms, when used in this Agreement, have the meanings below:<ul class=\"terms-list-level-3\"><li><strong>Agreement<\/strong> &ndash; Refers to the entire Citi ThankYou Rewards terms and conditions.<\/li><li><strong>Card Account<\/strong> &ndash; A Citi Double Cash credit card account issued in the United States by Citibank.<\/li><li><strong>Citi Accounts <\/strong>&ndash; An account associated with a Citibank product or service, such as a Card Account or a Citibank checking account, that participates in the Program.<\/li><li><strong>Citibank, we, us<\/strong> and <strong>our <\/strong>&ndash; Citibank, N.A.<\/li><li><strong>Member(s) <\/strong>&ndash; A participant in the Program.<\/li><li><strong>Participating Partner <\/strong>- Businesses with whom Citibank, or a third party on behalf of Citibank, partners with respect to the Program, including retailers and merchants that participate in the Program.<\/li><li><strong>Point(s)<\/strong> &ndash; Loyalty Points provided through the Program.<\/li><li><strong>Program <\/strong>&ndash; The Citi ThankYou Rewards loyalty program.<\/li><li><em><strong>Supplier <\/strong><\/em>&ndash; Businesses that provide travel services, including airlines, hotels, car rental companies, and attractions.<\/li><li><strong>Reward(s)<\/strong> &ndash; Items, services, credits, cash and cash equivalents or other offerings for which Points can be redeemed through the Program.<\/li><li><strong>Shop with Points <\/strong>&ndash; ThankYou members with an eligible Citi<sup>&reg;<\/sup> credit card can use ThankYou<sup>&reg;<\/sup> Points at Participating Partners.<\/li><li><strong>ThankYou Account <\/strong>&ndash; A Program account set up for a Member to keep track of Point activity, including information about when and how the Member receives and redeems Points, and through which a Member may redeem Points.<\/li><li><strong>You<\/strong> and<strong> your <\/strong>&ndash; You, as a Member.<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"YOUR THANKYOU ACCOUNT(S)","link":"TYAccounts","termsContent":"<p>This section tells You how You will get a ThankYou Account and provides information about managing Your account(s).<\/p><ul class=\"terms-list-level-2\"><li><p><em><strong>Setting up a ThankYou Account. <\/strong><\/em>We&rsquo;ll set up a ThankYou Account for Your Card Account. If You earn Points with a certain Card Account, Points will be credited to the ThankYou Account that corresponds with that Card Account.<\/p><\/li><\/ul><ul class=\"terms-list-level-2\"><li><p><strong><em>Combining Your ThankYou Accounts.<\/em><\/strong> If You have multiple ThankYou Accounts, You can combine them into one ThankYou Account at <strong><a href=\"https://www.thankyou.com\">thankyou.com<\/a><\/strong> or by calling the ThankYou&reg; Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service).<\/p><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>You can check your Points balance in the &ldquo;My Point Summary&rdquo; section of &ldquo;My Account&rdquo; at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service). If You think you&rsquo;ve received Points in error, call the ThankYou Service Center.<\/div>","subHeadingId":2}],"link":"","headingId":1},{"termsHeading":"ACQUIRING POINTS","subHeadingType":{"subHeading":"ACQUIRING POINTS","link":"AcqPoints","termsContent":"<p>This section tells You general rules about how to get Points and describes how Points are earned.<\/p><p>Here&rsquo;s how You can acquire Points:<\/p><ul class=\"terms-list-level-2\"><li><em><strong>Use of Your Card Account<\/strong><\/em>. You can earn Points by using Your Card Account as described below.<\/li><li><strong><em>Promotional Offers.<\/em><\/strong> You may be provided with promotional offers that let You earn Points. If we make a promotional offer, we&rsquo;ll let You know the specific terms and conditions that apply.<\/li><li><strong><em>Negative Point Balance.<\/em><\/strong> Subtracting Points from Your ThankYou Account (for example, if You return items purchased with Your Card Account) can result in a negative Point balance. If this happens, Points You earn after that will be used to bring Your balance to zero.<\/li><\/ul><p>Earning Points with Your Card Account:<\/p><table class=\"terms-list-table table-columns-halves\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th>Card Account<\/th><th>Earn<\/th><\/tr><tr><td><div class=\"credit-card-label\">Citi Double Cash<sup>&reg;<\/sup> Card<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/ty-static/images/points/cards/thumbnails/CBSD-00142_00207.gif\" alt=\"\" width=\"123\" height=\"78\"><\/td><td><p>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:<\/p><ul class=\"terms-list-level-2\"><li>1 ThankYou point per $1 spent on purchases.<\/li><\/ul><ul class=\"terms-list-level-2\"><li>1 ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.<\/li><\/ul><ul class=\"terms-list-level-2\"><li>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).<\/li><\/ul><\/td><\/tr><\/tbody><\/table><ul class=\"terms-list-level-2\"><li><em><strong>Purchases and Eligible Payments Earn Points<\/strong><\/em> You&rsquo;ll earn Points for purchases using Your Card Account, minus returns and refunds and You&rsquo;ll earn Points for Eligible Payments as described below.<\/li><li><strong><em>ThankYou<sup>&reg;<\/sup> Points on Purchases:<\/em><\/strong> 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 &ldquo;ThankYou Points on Purchases.&rdquo;<\/li><li>The following transactions are <strong>not<\/strong> 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&rsquo;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<sup>&reg;<\/sup> 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.<\/li><li><strong><em>ThankYou Points on Eligible Payments:<\/em><\/strong> 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 &ldquo;Purchase Tracker&rdquo; below). The balance in Your Card Account&rsquo;s Purchase Tracker will be reduced by the amount of Eligible Payments You make. When the Purchase Tracker reaches $0, You won&rsquo;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 &ldquo;ThankYou Points on Payments.&rdquo; &ldquo;Eligible Payments&rdquo; 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 &ldquo;When You will not earn Points.&rdquo; The redemption of Points for a statement credit is not an Eligible Payment and will not reduce the balance in Your Purchase Tracker.<\/li><li><strong><em>Citi Travel:<\/em><\/strong> 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.<strong> You must use your Citi Double Cash Card to make the purchase with Citi Travel.<\/strong> 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.<\/li><li><strong><em>Purchase Tracker:<\/em><\/strong> 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 &ldquo;ThankYou<sup>&reg;<\/sup> Points on Purchases&rdquo;) less Eligible Payments made on Your Card Account, subject to &ldquo;When You will not earn Points&rdquo; as detailed below. You will only earn Points on Eligible Payments up to the balance shown on Your Card Account&rsquo;s Purchase Tracker.<\/li><\/ul><p>When You will not earn Points:<\/p><ul class=\"terms-list-level-2\"><li>If Your Card Account is closed for any reason, You will not earn Points on purchases or Eligible Payments as of the closure date.<\/li><li>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 (see &ldquo;Reinstatement of Points&rdquo; below). You will also not earn Points for future purchases until You become current.<\/li><li>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&rsquo;s Purchase Tracker at the time You make the Eligible Payment.<\/li><\/ul><p>When You will receive Points:<\/p><ul class=\"terms-list-level-2\"><li>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).<\/li><\/ul>","subHeadingId":1},"link":"","headingId":2},{"termsHeading":"REDEMPTION AND REWARDS","subHeadingType":[{"subHeading":"REDEMPTION AND REWARDS","link":"RdmRewards","termsContent":"<p>This section tells You how and when You can redeem Points and provides information about delivery, cancellation and return of certain Rewards.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Who May Redeem.<\/em><\/strong> Only You can redeem Points from Your ThankYou Account, unless we tell You otherwise. Authorized users whose Card Account is linked to your ThankYou Account may use your Points on websites, mobile applications, and/or at the point of sale of participating Shop with Points merchants.<\/li><li><strong><em>When Points May Be Redeemed.<\/em><\/strong> Once Points appear in Your ThankYou Account, they&rsquo;re available for redemption.<\/li><\/ul><p>Find out what You currently can get with Your Points by logging into Your ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>.<\/p><div class=\"call-out\"><h3>TIP:<\/h3>It&rsquo;s important to protect Your online ThankYou Account username and password in the same way You protect other information associated with Your Citi Account (such as Your account number). Anyone who can access Your online account can use Your Points to redeem for Rewards and change Your personal information.<\/div><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><!--<strong><em>-->Additional information on redeeming Points<!--<\/em><\/strong>--><\/h3><ul class=\"terms-list-level-2\"><li><em><strong>Insufficient Point balance.<\/strong><\/em> If Your Point balance falls below the number of Points required to redeem for a Reward after You&rsquo;ve already ordered it (for example, because You returned a purchase), we may stop delivery of that Reward.<\/li><li><strong><em>No warranties<\/em><\/strong> Citibank, its affiliates and any merchants participating in the Program make no guarantees, warranties or representations of any kind concerning the Program.<\/li><li><strong><em>No liability for Rewards.<\/em><\/strong> You release Citibank, its affiliates and any merchants participating in the Program from all liability regarding the redemption and use of Points and Rewards, including any Rewards that are lost, stolen or destroyed after they&rsquo;re received.<\/li><li><strong><em>No affiliation with Rewards merchants.<\/em><\/strong> Participating Rewards merchants aren&rsquo;t affiliated with or responsible for administration of the Program.<\/li><li><strong><em>Availability of Rewards<\/em><\/strong>. The availability of any Reward isn&rsquo;t guaranteed.<\/li><li><strong><em>Point value may vary.<\/em><\/strong> The value of a Point may vary depending on the Reward for which it&rsquo;s being redeemed. We have the right to change the &ldquo;Points to dollar conversion rate&rdquo; for Rewards at any time.<\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Even though two Rewards may have the same value in dollars, they may have a different cost in Points.<\/div><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\">Taxes<\/h3><p>The monetary value of a Reward for which You redeem Your Points may be considered taxable income from Citibank in the tax year in which You redeem the Points, in accordance with U.S. tax law. Citibank may be required to send You (and file with the IRS) a Form 1099-MISC (Miscellaneous Income) for the year in which You redeem Your Points for a Reward when the value of the Reward plus other taxable Miscellaneous Income You receive from Citibank totals $600 or more for a calendar year. We determine the monetary value of Rewards received through Your Points redemptions for tax purposes. The value of Rewards received by redeeming certain Points, such as Points received through Your Citibank Checking Account and related bonus promotions, is taxable income. The value of Rewards received by redeeming certain other Points, such as Points earned on purchases made with a Card Account, is not taxable income. You&rsquo;re responsible for any personal tax liability due to the receipt of a Reward due to Your Point redemption &ndash; consult with Your tax advisor.<\/p>","subHeadingId":1},{"subHeading":"Certain Reward Options","link":"RewardOptions","termsContent":"<p>This section tells You about certain Rewards available for redemption and explains some of the terms and conditions related to redeeming Points for each of those Rewards.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Reward-Specific Terms and Conditions.<\/em><\/strong><p>Special terms and conditions may apply to certain Rewards. For example, certain Rewards, such as Statement Credits, require You to redeem a minimum number of Points. Merchants may also impose terms and conditions on Rewards &ndash; e.g., limiting your use of a gift card in certain cases. Some of those terms and conditions can be found at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>. Sometimes you'll be required to affirmatively accept those terms and conditions when You redeem your Points. Even if You aren't required to do so, by redeeming your Points for that Reward, You acknowledge that you've read and agreed to the applicable terms and conditions. Please carefully read all terms and conditions before redeeming Points.<\/p><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Additional Rewards not listed below may be available on <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>. Before You redeem Points for one of those Rewards, we'll give You any additional terms and conditions that apply.<\/div><ul class=\"terms-list-level-2\"><li><strong><em>Shop with Points<\/em><\/strong> - ThankYou members with an eligible Citi Card Account can use ThankYou Points online and in-person at Shop with Points Participating Partners. You can use Shop with Points for Purchases at certain online Participating Partners and for in-person purchases at certain Participating Partners.<\/li><li><strong><em>Shop with Points &ndash; Use Points for Purchases.<\/em><\/strong> Citi will deduct the number of Points You redeem for your purchase from your ThankYou Account balance. A Participating Partner may restrict the use of Points for purchases of select items. Citi has the right to change Point to dollar conversion rates at any time. Purchases made with ThankYou Points may be subject to the Participating Partner&rsquo;s return and refund policy, which may include restocking fees. Participating Partner information can be found in the Frequently Asked Questions on thankyou.com. Citi or the Participating Partner may set a fee to redeem points or a minimum Point redemption requirement. If a redemption requirement or fee applies, it will be disclosed to You at the time of redemption. Any authorized users of your Card Account may be able to redeem Points through Shop with Points at Participating Partners.<ul class=\"terms-list-level-3\"><li><strong><em>Shop with Points - Use Points for purchases at online Participating Partners.<\/em><\/strong><br>Participating Partner&rsquo;s terms and conditions apply to purchases using Points at the Participating Partner&rsquo;s website and links to these are available in the Frequently Asked Questions at thankyou.com. Your ThankYou Account balance may not reflect redemptions for pending purchase transactions until the purchase has shipped. You may only participate in Shop with Points at online Participating Partners if You have a Card Account that is current and in good standing. &nbsp;In addition, You must either be auto enrolled or complete the self-registration process, as further explained below. When You are enrolled, Citi will provide the online Participating Partner with information about your ThankYou Account. When You Shop with Points at online Participating Partners, in addition to the foregoing, You also agree to the following terms and conditions:<br><ul class=\"terms-list-level-3\"><li><em><strong>Auto-enrollment.<\/strong><\/em> You may be automatically enrolled in Shop with Points at online Participating Partners if You have previously added or add Your Card Account to the online Participating Partner&rsquo;s account. If You are automatically enrolled, your ThankYou Account will be linked to the online Participating Partner&rsquo;s account using the Card Account in the online Participating Partner&rsquo;s account. In the event You are auto-enrolled, You will receive an email from the online Participating Partner informing You of the auto-enrollment and how to de-enroll if You do not want to participate.<\/li><li><em><strong>Self-registration. <\/strong><\/em>You may enroll in Shop with Points through the self-registration process at online Participating Partners. &nbsp;You may want to self-register if, for example, You would like to participate in Shop with Points before You are auto-enrolled or if You have de-enrolled and later decide You would like to use your Points at online Participating Partners. &nbsp;During the self-registration process, your ThankYou Account will be linked to your account with the online Participating Partner using the Card Account. Following self-registration, You will receive an email from the online Participating Partner confirming your registration and telling You how to de-enroll.<\/li><\/ul><\/li><li><strong>Shop with Points &ndash; Use Points for in-person purchases at certain Participating Partners<\/strong>.<br>You can only use Points for in-person purchases at certain Participating Partners if You have a Card Account that is current and in good standing. When you use your Card Account, Citi will provide certain Participating Partners with information about your ThankYou Account in order to determine if your purchase is eligible for Shop with Points. If an in-person purchase is eligible for Shop with Points, You may be presented a redemption offer. &nbsp;You will have the option to accept or decline to use Points for in-person purchases at certain Participating Partners. If you do not want to receive a redemption offer at a certain Participating Partner, visit the Shop with Points Accounts section of thankyou.com or call the ThankYou Service Center at 1-800-ThankYou (1-800-842-6596) (TTY: we accept 711 or other Relay Service) to opt out.<\/li><\/ul><\/li><\/ul><ul class=\"terms-list-level-2\"><li><em><strong>Points Transfer. <\/strong><\/em>You can redeem Points by transferring Points to participating travel loyalty programs. Eligibility depends on your Card Product. Learn more at thankyou.com/transfer.<\/li><\/ul><ul class=\"terms-list-level-2\"><li id=\"RewardRedempCharitable\" data-category-id=\"3\" data-subcategory-id=\"2\"><p><strong><em>Charitable Contributions<\/em><\/strong><br>You can redeem Points for a check made payable to a charity listed on <strong><a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a><\/strong>. Please refer to the Charitable Contributions page on <strong><a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a><\/strong> for available denominations.<\/p><ul class=\"terms-list-level-3\"><li><em><strong>Shipping and confirmation.<\/strong><\/em> A check including your charitable contribution is sent via USPS First-Class<sup>&reg;<\/sup> Mail directly to the charity, and You should receive a written confirmation letter within one (1) to three (3) weeks of redemption. If You don&rsquo;t receive the letter within that time, please let us know.<\/li><li><strong><em>Participating charities.<\/em><\/strong> Participating charities are subject to change. We may discontinue our relationship with any charity, at any time, without notice.<\/li><li><strong><em>Taxes.<\/em><\/strong> Consult Your tax advisor to determine if Your redemption of Points toward a charitable contribution is tax deductible.<\/li><\/ul><\/li><\/ul><ul class=\"terms-list-level-2\"><li id=\"RewardRedempStatementCredit\" data-category-id=\"3\" data-subcategory-id=\"2\"><p><strong><em>Statement credit for Card Accounts.<\/em><\/strong> You can redeem Points for a statement credit in any denomination, which will be applied to Your Card Account. <strong>You must still make the required minimum payment due on Your Card Account<\/strong> You&rsquo;ll receive a confirmation letter within one (1) to three (3) weeks of redemption, and Your statement credit should appear within two (2) billing cycles after You redeem Your Points. <strong>Statement credits may not be cancelled<\/strong><strong>.<\/strong><\/p><\/li><\/ul><ul class=\"terms-list-level-2\"><li id=\"RewardRedempDirectDeposit\" data-category-id=\"3\" data-subcategory-id=\"2\"><p><strong><em>Direct deposits.<\/em><\/strong> You can redeem any number of available Points for cash that will be directly deposited to Your Citi savings or checking account or a verified non-Citi savings or checking account. Verification of non-Citi savings or checking accounts requires the successful payment of the Card Account with the non-Citi savings or checking account at least two times in the previous six months in a qualifying manner determined by Citi. We may also be able to verify a non-Citi checking or savings account using external service providers. Non-Citi savings or checking account verification is subject to terms and conditions that You must accept when choosing direct deposit to a non-Citi checking or savings account.<\/p><\/li><\/ul><ul class=\"terms-list-level-2\"><li id=\"RewardRedempCashRewards\" data-category-id=\"3\" data-subcategory-id=\"2\"><p><em><strong>Check<\/strong><\/em> You can redeem Points for a check made payable to You. The minimum redemption amount for a check is $5. <strong>Checks are valid for one hundred eighty (180) days.<\/strong><\/p><ul class=\"terms-list-level-3\"><li><em><strong>Shipping and confirmation.<\/strong><\/em> Your check redemption confirmation letter and check are sent only to Your address on record via USPS First-Class<sup>&reg;<\/sup> Mail within one (1) to three (3) weeks of redemption.<\/li><li><em><strong>Cancellations.<\/strong><\/em> All check redemptions are final. Points redeemed for a check can&rsquo;t be returned unless we cancel the check and a stop payment is placed, resulting in a return order status and automatic reinstatement of Your Points. Please note that a check may be cancelled if, for example, there was a misspelling on the check or You never received it. You must call us if You don&rsquo;t receive Your check ten (10) days after shipment. You can find the shipping date on the order history page for Your ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>, or by calling the ThankYou<sup>&reg;<\/sup> Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service).<\/li><\/ul><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Certain Rewards, such as a statement credit for a Card Account, will reduce the balance on Your Card Account, but aren&rsquo;t considered a payment. You must still make the minimum payment due each month, even if the amount of the Reward is greater than the minimum payment due.<\/div><ul class=\"terms-list-level-2\"><li><strong><em>Combined ThankYou Account.<\/em><\/strong> Certain redemption options not available to Card Account Members may be available if You have multiple ThankYou Accounts and chose to combine ThankYou Accounts.<\/li><\/ul>","subHeadingId":2},{"subHeading":"TRAVEL","link":"Travel","termsContent":"<ul class=\"terms-list-level-2\"><li><strong><em>Citi Travel<sup>&reg;<\/sup><\/em><\/strong> provides travel-related Rewards, which is powered by Rocket Travel by Agoda (\"Rocket Travel Inc.\"), a service partner for the Program. You can redeem Points through Citi Travel for airfare, hotels, car rentals, attractions and other travel, if applicable. The terms and conditions included below are only some of the terms and conditions that apply to Citi Travel. You can find a complete list of travel terms and conditions on <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a>. Please review them carefully before redeeming for a Reward.<ul class=\"terms-list-level-3\"><li><strong><em>Contacting the Citi Travel service center<\/em><\/strong><ul class=\"terms-list-level-5\"><li><strong><em>Online.<\/em><\/strong> Travel bookings can be made through Citi Travel. All travel bookings require the use of a Citi eligible credit card or Points from an eligible ThankYou Rewards account.<\/li><li><strong><em>Calling the Citi Travel service center.<\/em><\/strong> Travel bookings can also be made by calling the Citi Travel service center at 1-833-737-1288 (1-800-842-6596) (For TTY: Use 711 or other Relay Service). All travel bookings require the use of a Citi eligible credit card or Points from an eligible ThankYou Rewards account.<\/li><\/ul><\/li><\/ul><ul class=\"terms-list-level-3\"><li><strong><em>Points Redemption.<\/em><\/strong> The number of Points required for travel Rewards varies based on a combination of factors including itinerary, date and time of travel. You may redeem for travel Rewards using a combination of Points and dollars. The total number of Points required for a travel Reward will include payment of any taxes, fees and surcharges applicable to that Reward. Taxes, fees and surcharges on travel Rewards may change at any time without notice.<\/li><li><strong><em>Confirmation.<\/em><\/strong> No Point amount, travel Rewards availability, or times of travel are confirmed until the required number of Points have been deducted, and the tickets or travel documents have been issued.<\/li><\/ul><\/li><li><strong><em>Travel Rewards Overview.<\/em><\/strong> Travel Rewards include airline tickets, hotel accommodations, rental cars, and attractions (\"<strong>Travel Rewards<\/strong>\"). Travel Rewards reservations can be made online at thankyou.com or by calling the Citi Travel service center. All Travel Rewards are subject to availability and restrictions of the relevant Supplier. Travel Rewards may not be booked for minors traveling unaccompanied by an adult. ThankYou Rewards has the final authority on all decisions regarding Travel Rewards ticketing, pricing and availability and the interpretation of these Travel Rewards Terms and Conditions.<\/li><li><strong><em>Travel Rewards Information.<\/em><\/strong> The Point-cost of ThankYou Travel Rewards are based on variable amounts. These amounts are based on a combination of factors including itinerary, date and time of travel, and dollar value of travel. The amount of ThankYou Points needed for these Travel Rewards can be researched on thankyou.com. The following guidelines apply to these Travel Rewards:<ul class=\"terms-list-level-3\"><li>No blackout dates<\/li><li>Taxes, fees and surcharges that are collectible by Rocket Travel Inc. are included in the number of ThankYou Points required. Taxes, fees and surcharges are subject to change without notice.<\/li><li>Airline, hotel, car rental, vacation, and attraction/excursion company participation may vary from market to market.<\/li><li>The Citi Travel service center does not hold Travel Rewards reservations.<\/li><li>All bookings made by Rocket Travel Inc. shall comply with all applicable U.S. laws, rules and regulations including, without limitation, sanctions issued by the Office of Foreign Assets Control. Such sanctions may prevent Rocket Travel Inc. from offering travel to specific destinations or individuals. To assist Rocket Travel Inc. with its compliance with laws, rules and regulations, Rocket Travel Inc. may ask You for additional information. Any booking made, or in good faith believed to be made, in violation of U.S. law, will be cancelled by Rocket Travel Inc., in its sole discretion, with no liability to You other than to issue a refund, if permitted by law.<\/li><\/ul><\/li><li><strong> <em>Travel Rewards Point Deductions and Payment Options.<\/em> <\/strong> Redeemed ThankYou Points will be deducted from your ThankYou Member Account at the time of booking. No ThankYou Point amounts, Travel Rewards availability, or dates of travel are confirmed until the required number of ThankYou Points have been deducted, and the tickets or travel documents have been issued. ThankYou Members have the option to redeem for Travel Rewards using a combination of ThankYou Points and their eligible Citi credit card. Additional Travel Reward options not offered through Rocket Travel Inc. may be available through other merchants participating in ThankYou Rewards. These additional Travel Rewards options are not affiliated with or offered through Rocket Travel Inc.<\/li><li><strong><em>Redemptions and Transactions made through Citi Travel<\/em><\/strong><p>All transactions are NON REFUNDABLE and NON CHANGEABLE unless permitted by the terms disclosed at time of booking. You can find a complete list of travel terms and conditions on <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a>. No shows are non-refundable and will result in a forfeiture of all payments made and Points used by You in connection with the reservation, without credit due.<\/p><p>A small number of air carriers may require Rocket Travel Inc. to confirm flight availability when booking. If there is any issue with availability, you will receive an email regarding the status of your booking.<\/p><\/li><li><strong> <em>Travel Rewards Details. <\/em> <\/strong>Travel Rewards cannot be redeemed for cash and have no cash value. Travel Rewards have no residual cash value. Travel Rewards cannot be combined with any other certificates, coupons, discounts, upgrades, awards or promo codes. Travel Rewards are offered as promotional items and are void if sold for cash or other consideration, or if altered or copied, and cannot be reissued if destroyed, lost or stolen. Frequent flyer mileage accrual, usage and upgrades may not be used with Travel Rewards. Travel Rewards are not valid where prohibited by law.<\/li><li><strong> <em>Travel Changes by You.<\/em> <\/strong> All airline tickets, hotel, car rental, vacation packages and attractions booked in exchange for ThankYou Points are nonrefundable, nonendorsable and nontransferable. Changes to bookings are subject to the Supplier&rsquo;s policies, and the fees and conditions described in these terms and conditions. Any additional costs due to a permitted change are your responsibility and will be collected in U.S. dollars, not ThankYou Points, with a credit card in the name of the ThankYou Member. Any change, cancellation or additional collection fees imposed by the airline, hotel, car rental company, or activity provider are the responsibility of the traveler.<\/li><li><strong> <em>Travel Changes and Cancellations by the Supplier.<\/em> <\/strong> Airline, hotel, car rental, and tour operator schedules, terms, points of service and fares are subject to change without notice by the Suppliers. Airline schedule changes, flight cancellations and interruptions, oversold flights, hotels, and attractions are outside of the control of Rocket Travel Inc. and ThankYou Rewards. These situations must be remedied by the applicable travel Supplier and may be subject to Federal or State Regulations. If an airline declares bankruptcy, it is not obligated to carry You or to refund tickets issued before the bankruptcy. Rocket Travel Inc. is not allowed to refund tickets on airlines that have declared bankruptcy. ThankYou Points redeemed for Travel Rewards or money given to Rocket Travel Inc. immediately becomes the property of the airline and ThankYou Rewards and Rocket Travel Inc. is required by law to comply with the airline's orders.<\/li><li><strong> <em>Liability Disclaimer. <\/em> <\/strong>Rocket Travel Inc. acts only as an agent for the Supplier in regards to travel and the travel-related services, and assumes no liability for injury, damage, loss, accident, delay or irregularity which may be caused due to defects in the travel products, acts of God, war, riots, or by any company or person involved in carrying out travel arrangements. Rocket Travel Inc. reserves the right to accept minor adjustments to the booking confirmation provided by the Supplier, where applicable. In the event of the Supplier cancels a booking prior to departure, a full refund will constitute a full settlement of all liability. To the extent applicable, a passenger's ticket(s), when issued, or electronic reservation, shall constitute the sole contract between the Supplier and the purchaser and/or passenger, and Rocket Travel Inc. shall have no liability for any actions or omissions of the Supplier. Rocket Travel Inc. is not responsible for any changes initiated by the passenger after departure.<\/li><li><strong><em>Contacting Rocket Travel, Inc.<\/em><\/strong><p>If there are any questions regarding Rocket Travel, Inc.&rsquo;s full terms and conditions, please visit <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a><br>Rocket Travel, Inc.<br>641 West Lake Street, Ste. 102<br>Chicago, IL 60661<br>Email: <a href=\"&quot;mailto:concierge@rocketmiles.com\">concierge@rocketmiles.com<\/a><\/p><\/li><li><strong><em>Seller of Travel Registration Numbers <\/em><\/strong> Agoda International USA LLC, part of the Booking Holdings Inc. group of companies, and its relevant affiliates, including Rocket Travel Inc., facilitates the booking of the travel arrangements for You on behalf of Citi Travel. State Seller of Travel registration numbers (or equivalent) for Agoda International USA LLC in the states that require registration are: California (#2149788-50) (registration as a Seller of Travel does not constitute approval by California; Agoda International USA LLC is not a participant in the Travel Consumer Restitution Fund); Florida (#ST43421); Hawaii (#TAR-7458); and Washington (#604-161-566).<\/li><\/ul>","subHeadingId":3}],"link":"","headingId":3},{"termsHeading":"GIFT CARD TERMS AND CONDITIONS","subHeadingType":{"subHeading":"Gift card terms and conditions","link":"GiftCardTC","termsContent":"<p><strong><em>Gift cards/certificates: <\/em><\/strong>Gift cards/certificates are subject to the terms and conditions set by the merchant who issues the gift card/gift certificate. Citibank is in no way affiliated with the issuers of the gift cards/certificates nor are they considered sponsors or co-sponsors of ThankYou Rewards. Any use of the merchant names and/or logos is by permission of each respective merchant and all trademarks are the property of their respective owners. For expiration policies and non-usage fees, if any, please refer to the specific merchant&rsquo;s product information page or contact the ThankYou Service Center via 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service). Gift cards/certificates may not be returned, unless damaged or defective.<\/p><p><strong><em>eGift cards/certificates: <\/em><\/strong>eGift cards/certificates allow You to send gift cards/certificates virtually, either by email or text message, instantly or on the date You choose. Text messaging and data rates may apply. When You redeem ThankYou Rewards for a gift card/certificate, we will send you a confirmation email including a link to send the gift card/certificate digitally. Like physical gift cards/certificates, eGift cards/certificates are subject to the additional terms and conditions set by the issuing merchant, which You can find on thankyou.com.<\/p><ul class=\"terms-list-level-2\"><li><p><strong><em>Delivery of physical gift cards/gift certificates.<\/em><\/strong><br>Physical gift cards and gift certificate Rewards are delivered to P.O. boxes and shipping addresses in the United States and its 5 major U.S. Territories (American Samoa, Guam, Northern Mariana Islands, Puerto Rico and U.S. Virgin Islands) unless otherwise noted on the item detail page or at checkout. Allow one (1) to three (3) weeks for shipment. If You haven't received your gift card/gift certificate Reward within ten (10) days after the shipped date, please let us know. You must contact us within one hundred twenty (120) days of your order date if You have not received your gift card/gift certificate. You can do so either by accessing the 'Order History' section under 'My Account' at thankyou.com, and then clicking 'Return Order' or by calling us at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/p><\/li><li><p><strong><em>Delivery of eGift cards/gift certificates.<\/em><\/strong><br>eGift cards/certificates and any other virtual Rewards are deliverable only to valid email addresses and telephone numbers. If You do not provide a valid email address or telephone number, then we will not be able to deliver the eGift card/certificate to Your intended recipient or the eGift card/certificate may be sent to an unintended recipient. Citibank will not replace or refund eGift cards/certificates sent to an unintended recipient due to an incorrect email address or telephone number.<\/p><\/li><li><p><strong><em>Cancellation of gift cards/gift certificates.<\/em><\/strong><\/p><ul class=\"terms-list-level-3\"><li><p><strong><em>Physical gift cards/gift certificates. <\/em><\/strong>Only some orders of physical gift cards/gift certificates may be canceled. We'll let You know on the Order History page if You can cancel your order. You may return a physical gift cards/gift certificates due to a defect or damaged shipment by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) and following the customer service agent's instructions.<\/p><\/li><li><p><strong><em>eGift cards/gift certificates. <\/em><\/strong>You can't cancel, return or exchange e-cards or e-certificates.<\/p><\/li><\/ul><\/li><\/ul>","subHeadingId":1},"link":"","headingId":4},{"termsHeading":"Points Expiration, Suspension and Forfeiture","subHeadingType":[{"subHeading":"Points Expiration","link":"PntExpSusFor","termsContent":"<p>This section tells You if, when and how Your Points may expire.<\/p><ul class=\"terms-list-level-2\"><li><p><strong>Expiration of Points Acquired through Your Card Account.<\/strong> Points You earn using Your Card Account and making Eligible Payments on your card will not expire.<\/p><\/li><li><p><strong>Expiration of Points Received through Point Sharing.<\/strong> Shared points expire ninety (90) days after the date You or another Member shared them. For example, Points shared on January 15, 2024, will expire April 15, 2024. <i>Effective May 17, 2026, Point Sharing will no longer be offered as a ThankYou&reg; Rewards redemption option.<\/i><\/p><\/li><\/ul>","subHeadingId":1},{"subHeading":"Loss Or Suspension Of Points","link":"LossSusPoints","termsContent":"<p>This section tells You how Points You&rsquo;ve already earned or received may be lost or suspended.<\/p><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong><em>When your Card Account is closed or converted<\/em><\/strong><\/h3><p>How Your Citi Account was closed or converted determines how long You have to use Points associated with Your Citi Account.&nbsp;<\/p><p>If You have multiple Citi Accounts associated with only one ThankYou Account at the time one of Your Citi Accounts is closed or converted to a Citi<sup>&reg;<\/sup> credit card that does not participate in the ThankYou Program, You will lose only the Points that You earned with the closed or converted Card Account, unless prohibited by law.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>You close Your Citi Account or convert Your Citi Account to an account that does not participate in the ThankYou Program.<\/em><\/strong> If You voluntarily close Your Citi Account enrolled in the Program, or convert Your Citi Account to an account that does not participate in the Program, You must use the Points within ninety (90) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account.<\/li><li><strong><em>We close Your Card Account Due to inactivity or convert Your Card Account to a card that does not participate in the ThankYou Program.<\/em><\/strong> If we close Your Card Account due to inactivity, or otherwise convert Your Card Account to a card that does not participate in the Program, You must use the Points within ninety (90) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account.<\/li><li><strong><em>We close Your Citi Account for any other reason. <\/em><\/strong> If we close Your Citi Account for any reason other than inactivity, You will lose Your Points immediately, unless prohibited by law.<\/li><li><strong><em>Limited online access.<\/em><\/strong> When Your Citi Account is closed or converted to an account that does not participate in the ThankYou Program, You will lose access to Your ThankYou Account online unless You have one or more open Citi Accounts that participates in the ThankYou Program. You may redeem Your Points by contacting the ThankYou&reg; Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service).<\/li><li><strong><em>Limited Rewards options.<\/em><\/strong> Some rewards options require You to have an Eligible open Citi Account. When Your Citi Account is closed or converted to an account that does not participate in the ThankYou Program, some redemption options may be limited or in eligible such as:<ul class=\"terms-list-level-3\"><li>Rewards that require an open Card Account that participates in the ThankYou Program.<\/li><\/ul><\/li><\/ul><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong><em>When your Card Account is closed<\/em><\/strong><\/h3><p>Your ThankYou Account may be closed when there are no open Citi Accounts associated with Your ThankYou Account, You request to close Your ThankYou Account, or Your ThankYou Account is closed due to Fraud, Misuse, Abuse or Suspicious Activity.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>All Your Citi Accounts are closed.<\/em><\/strong> When your Citi Account closes, and if You have no other open Citi Accounts associated with your ThankYou Account, we will close your ThankYou Account.<\/li><li><strong><em>When Your ThankYou Account closes.<\/em><\/strong> If You have Points, and Your ThankYou Account is closed for any reason, You will lose them immediately, unless prohibited by law.<\/li><li><strong><em>We cancel the Program.<\/em><\/strong> If the Program is cancelled, You&rsquo; have ninety (90) days from the Program&rsquo;s cancellation date, or, if required by law, from notification of Program cancellation, to redeem Your Points. After ninety (90) days, You&rsquo;ll lose any remaining Points.<\/li><li><strong><em>Temporary Point suspension for late payment<\/em><\/strong><strong>. <\/strong>If You make a late payment on Your Card Account, You may not be allowed to redeem Points until Your Card Account is current, and You request that we reinstate those Points.<\/li><li><strong><em>Reinstatement of Points:<\/em><\/strong>Reinstatement applies to Points you did not receive as detailed above in <strong>&ldquo;When you will not earn Points.&rdquo;<\/strong> You may request reinstatement of these Points when Your account is current. Points will also be unavailable for Reinstatement after Your Card Account is closed, unless prohibited by law. You may make a request for Reinstatement of Points on <strong><a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a><\/strong> or by calling the ThankYou<sup>&reg;<\/sup> Service Center at 1-800-THANKYOU (1-800-842-6596). (For TTY: Use 711 or other Relay Service).<\/li><li><strong><em>Loss upon death. <\/em><\/strong>You will lose Your Points upon Your death, and Your estate, successors and assigns have no property rights or other legal interests in such Points, except under these circumstances:<ul class=\"terms-list-level-3\"><li><strong>Cash Rewards option.<\/strong> If we receive a written request within one (1) year of Your death from the executor or administrator of Your estate, along with evidence satisfactory to us of Your death and the identity and appointment of the executor or administrator, we can allow Points remaining in Your ThankYou Account to be redeemed for Cash Rewards. Only a lawfully designated executor or administrator may redeem Points on behalf of the deceased. Contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842- 6596) (For TTY: Use 711 or other Relay Service) for more information.<\/li><\/ul><\/li><\/ul>","subHeadingId":2}],"link":"","headingId":5},{"termsHeading":"Changes to these terms and other important information","subHeadingType":[{"subHeading":"CHANGES TO THIS AGREEMENT OR TO THE PROGRAM","link":"ChngImpInfo","termsContent":"<p>This section tells You when and how we may change this Agreement and the Program.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Changes without notice.<\/em><\/strong> We may make changes to the Program and/or the terms of this Agreement at any time, and if required by law, we will provide notice. For example, we won&rsquo;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&rsquo;ll post an updated copy on <strong><a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>.<\/strong><\/li><li><strong><em>Changes with notice. <\/em><\/strong>We&rsquo;ll give You thirty (30) days&rsquo; advance written notice if we make any of the following changes:<ul class=\"terms-list-level-3\"><li>A change that negatively affects the number of Points You can earn<\/li><li>A change that negatively affects when Your Points expire or how/when You may lose Points<\/li><li>A change in how You can exercise Your rights under this Agreement<\/li><li>If we cancel the Program<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"Fraud, misuse and abuse; other important information","link":"OthrImpInformation","termsContent":"<p>This section tells You that we may take action in response to account fraud, misuse or abuse, including taking away Points and suspending or closing your account. This section also tells You more about the Program and your rights under this Agreement, including information about how we may contact You.<\/p><ul><li><p><strong><em>Fraud, Misuse, Abuse, or Suspicious Activity<\/em><\/strong>. 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:<\/p><ul class=\"terms-list-level-2\"><li>Taking away Your accrued Points<\/li><li>Stopping You from earning Points<\/li><li>Suspending or closing Your Citi Account or ThankYou Account<\/li><li>Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages<\/li><li>Cancelling your Card Account<\/li><\/ul><\/li><li><p><strong><em>Some examples of fraud, misuse, abuse and suspicious activity include:<\/em><\/strong><\/p><ul class=\"terms-list-level-2\"><li>Buying or selling Points<\/li><li>Repeatedly opening Card Accounts for the primary purpose of acquiring Points<\/li><li>Using Your Card Accounts in an abusive manner for the primary purpose of acquiring Points<\/li><li>Using Your Card Account other than primarily for personal, consumer or household purposes<\/li><li>Points redemptions that You didn&rsquo;t authorize<\/li><li>Please contact the ThankYou&reg; Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service) immediately if You suspect Your ThankYou Account is the target of fraud or suspicious activity.<\/li><\/ul><\/li><li><p><strong><em>No cash Value.<\/em><\/strong> Points have no cash value.<\/p><\/li><li><p><strong><em>No property rights. <\/em><\/strong>You have no property rights or other legal interests in Points. By operation of law, You can&rsquo;t transfer Points through such events as an inheritance, bankruptcy or a divorce. Points also can&rsquo;t be assigned or pledged.<\/p><\/li><li><p><strong><em>Disputes between member and other persons. <\/em><\/strong>We&rsquo;re not responsible for disputes between joint owners of a Citibank Checking Account or a customer and a third party involving Points or any other aspect of the Program.<\/p><\/li><li><p><strong><em>Indemnity.<\/em><\/strong> You agree to indemnify us and our third-party service providers, and all of our and their respective affiliates, directors, officers, employees, agents and contractors, and hold us and them harmless from and against any loss, damage, liability, cost or expense of any kind (including attorneys&rsquo; fees) arising from our or an authorized user&rsquo;s use of the Program, any fraud, misuse or abuse of the Program, violation of this Agreement and/or violation of any applicable law or the rights of any third party.<\/p><\/li><li><p><strong><em>Limitation on liability.<\/em><\/strong> You release us, our third-party service providers, and our and their respective affiliates, directors, officers, employees, agents and contractors, from liability for Your participation in the Program, including in connection with earning Points, redeeming Points for Rewards and using Rewards, the expiration and forfeiture of Points and changes to or cancellation of the Program. The third-party service providers, including merchants and contractors, that participate in the Program aren&rsquo;t affiliated with us, and we and our affiliates, directors, officers, employees and agents aren&rsquo;t responsible for, and You release us from, any liability arising in connection with products and services provided by those third-party service providers, including Rewards and/or any such services provided in connection with Rewards, such as delivery or servicing.<\/p><\/li><li><p><strong><em>Void where prohibited by law. <\/em><\/strong>The Program and/or any feature of the Program are void where prohibited by federal, state or local law or regulation and are subject to change as necessary to comply with law or regulation.<\/p><\/li><li><p><strong><em>Notices and communications.<\/em><\/strong> We may send communications about the Program to You at any mailing or email address on our records or through our online services. You agree that we (and/or our service providers or anyone we authorize) may contact You at any phone number, email address or mailing address You provide or we obtain in other ways. This includes communications to mobile, cellular/wireless, or similar devices. We may contact You by live operator, auto-dialer, recorded or artificial voice, text or email. You agree to pay any charges from Your plan provider for communications we send to You, as well as communications You send to us. We may use voice recognition technology to verify Your identity when You call. We may capture and store Your voiceprint for this purpose.<\/p><\/li><\/ul>","subHeadingId":2},{"subHeading":"Incorporation of Card Account terms and conditions","link":"IncAccTC","termsContent":"<p>This section tells You that certain terms in Your Card Account agreement also apply to this Agreement.<\/p><ul><li>The agreement governing Your Card Account is incorporated into this Agreement for purposes of governing law, enforcement rights and dispute resolution, including any arbitration provision contained in it. <strong>Read Your applicable Card Account agreement for these important provisions. <\/strong><\/li><\/ul>","subHeadingId":3}],"link":"Chgtotheseterms","headingId":6}],"introTitle":"Citi ThankYou<sup>&reg;<\/sup> Rewards Terms and Conditions for Double Cash<sup>&reg;<\/sup> Card Accounts"},"citi-cards":{"headingType":"To read the ThankYou Rewards Terms and Conditions for Citi<sup>&reg;<\/sup> credit cards and consumer Citibank<sup>&reg;<\/sup> checking accounts select from the drop down below.","termsContentType":[{"termsHeading":"Agreement, Definitions and Accounts","subHeadingType":[{"subHeading":"Information about this agreement and definitions","link":"AgreeDefAccDefault","termsContent":"<p>Last Updated: September 2026<\/p><p>This section tells You what this Agreement governs and how it&rsquo;s structured. This section also defines certain terms used throughout this Agreement.<\/p><p><strong><em>This Agreement.<\/em><\/strong> This Agreement is between You and Citibank. You accept the terms of this Agreement when You earn or redeem Points, by continued use of your Card Account or Citibank Checking Account associated with your ThankYou Account, or when You successfully enrolled in the Program. This Agreement replaces any previous versions of terms and conditions governing the Program applicable to your Citi Account. From time to time, we may give You additional terms and conditions associated with the Program. They&rsquo;ll be considered part of this Agreement.<\/p><div class=\"call-out\"><h3>TIP:<\/h3>In the blue boxes throughout this Agreement are helpful tips and additional information about the ThankYou Program.<\/div><ul><li><p><strong><em>Application of this Agreement to Certain Other Rewards Cards.<\/em><\/strong><\/p><ul class=\"terms-list-level-3\"><li><strong><em> Cards Issued from Outside the United States.<\/em><\/strong> This Agreement doesn't apply to any rewards program offered in connection with a credit card account issued from outside the United States by us or our affiliates, even if that rewards program offers currency called \"ThankYou Points.\"<\/li><li><strong><em> Citibank Corporate Travel &amp; Entertainment Cards.<\/em><\/strong> If You have a Citibank Corporate Travel &amp; Entertainment Card, the <a class=\"plainLink\" href=\"/cms/thankyou/tc.page?accountType=citi-corporate\" rel=\"noopener\">Citi Corporate Card Rewards Program Terms and Conditions<\/a> govern your participation in the Program.<\/li><li><strong><em> Citi ThankYou Cards.<\/em><\/strong> If You have a Citi ThankYou Card Account that participates in the Program, the Citi ThankYou Rewards Terms and Conditions for Citi ThankYou Card Accounts govern your participation in the Program.<\/li><li><strong><em> Custom Cash<sup>&reg;<\/sup> Cards.<\/em><\/strong> If You have a Citi Custom Cash<sup>&reg;<\/sup> Card Account that participates in the Program, the Citi ThankYou Rewards Terms and Conditions for the Citi Custom Cash<sup>&reg;<\/sup> Card Accounts govern your participation in the Program.<\/li><li><strong><em> Double Cash<sup>&reg;<\/sup> Cards.<\/em><\/strong> If You have a Citi Double Cash<sup>&reg;<\/sup> Card Account that participates in the Program, the Citi ThankYou Rewards Terms and Conditions for the Citi Double Cash<sup>&reg;<\/sup> Card Accounts govern your participation in the Program.<\/li><\/ul><\/li><li><strong><em>Terms Vary by Citi Account.<\/em><\/strong> Some terms in this Agreement only apply to certain types of Citi Accounts. For example, the way You earn Points with a Card Account is different than the way You earn Points with a Citibank Checking Account. In addition, customers cannot enroll a Citibank Checking Account in ThankYou Rewards after July 18, 2022. If you have not enrolled a Citibank Checking Account in ThankYou Rewards before July 18, 2022, you will not be able to earn ThankYou Rewards from a Citibank Checking Account. We&rsquo;ll let You know if a specific term of this Agreement only applies to a certain type of Citi Account.<\/li><li><p><strong><em>Definitions.<\/em><\/strong> The following terms, when used in this Agreement, have the meanings below:<\/p><ul class=\"terms-list-level-3\"><li><strong><em>Agreement<\/em><\/strong> &ndash; Refers to the entire Citi ThankYou Rewards terms and conditions.<\/li><li><strong><em>Bill Payment<\/em><\/strong> &ndash; A bill payment from your Citibank Checking Account using Citibank Online, Citi Mobile<sup>&reg;<\/sup> or CitiPhone Banking<sup>&reg;<\/sup>. A bill that is paid by making a transfer between linked accounts and/or transfer payments to accounts within Citibank or to accounts with Citibank affiliates does not qualify as a Bill Payment.<\/li><li><strong><em>Card Account<\/em><\/strong> &ndash; A credit card account issued in the United States by Citibank that participates in the Program, except the Citibank Corporate Travel &amp; Entertainment Card, Citi Custom Cash<sup>&reg;<\/sup> Card, Citi Double Cash<sup>&reg;<\/sup> Card, and Citi ThankYou Card Account.<\/li><li><em><strong>Citi Accounts <\/strong><\/em>&ndash; Card Accounts and Citibank Checking Accounts. Note: Customers cannot enroll a Citibank Checking Account in ThankYou Rewards after July 18, 2022.<\/li><li><em><strong>Citibank, we, us<\/strong> or <strong>our <\/strong><\/em>&ndash; Citibank, N.A.<\/li><li><em><strong>Citibank Checking Account <\/strong><\/em>&ndash; A Citibank consumer checking account maintained in a United States branch of Citibank in an eligible account package enrolled in the Program.<\/li><li><em><strong>Direct Deposit <\/strong><\/em>&ndash; An Automated Clearing House (ACH) credit to your Citibank Checking Account such as payroll, pension or government payments.<\/li><li><em><strong>Member(s) <\/strong><\/em>&ndash; A participant in the Program.<\/li><li><em><strong>Participating Partner <\/strong><\/em>- Businesses with whom Citibank, or a third party on behalf of Citibank, partners with respect to the Program, including retailers and merchants that participate in the Program.<\/li><li><em><strong>Point(s)<\/strong><\/em> &ndash; Loyalty points provided through the Program.<\/li><li><em><strong>Program <\/strong><\/em>&ndash; The Citi ThankYou Rewards loyalty program.<\/li><li><em><strong>Supplier <\/strong><\/em>&ndash; Businesses that provide travel services, including airlines, hotels, car rental companies, and attractions.<\/li><li><em><strong>Reward(s)<\/strong><\/em> &ndash; Items, services, credits, cash and cash equivalents or other offerings for which Points can be redeemed through the Program.<\/li><li><em><strong>Shop with Points <\/strong><\/em>&ndash; ThankYou members with an eligible Citi credit card can use ThankYou Points at participating partners.<span data-eligibilty=\"SWP-STMT\"> There are two types of Shop with Points partners: Use Points for Purchases and Use Points for Statement Credits.<\/span><\/li><li><em><strong>ThankYou Account <\/strong><\/em>&ndash; A Program account set up for a Member to keep track of Point activity, including information about when and how the Member receives and redeems Points, and through which a Member may redeem Points.<\/li><li><em><strong>You<\/strong> and<strong> your <\/strong><\/em>&ndash; You, as a Member.<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"YOUR THANKYOU ACCOUNT(S)","link":"TYAccounts","termsContent":"<p>This section tells You how You may get a ThankYou Account and provides information about managing your account(s).<\/p><ul class=\"terms-list-level-2\"><li><p><em><strong>Setting up a ThankYou Account. <\/strong><\/em><\/p><ul class=\"terms-list-level-3\"><li><strong><em>For a Card Account.<\/em><\/strong> We&rsquo;ll set up a ThankYou Account for each of your Card Accounts. If You earn Points with a certain Card Account, Points will be credited to the ThankYou Account that corresponds with that Card Account.<\/li><li><strong><em>Customers with Citibank Checking Accounts. <\/em><\/strong>Customers cannot enroll a Citibank Checking Account in ThankYou Rewards after July 18, 2022.<\/li><\/ul><\/li><\/ul><p><strong><em>Combining Your ThankYou Accounts.<\/em><\/strong> If You have multiple ThankYou Accounts, You can combine them into one ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/p><div class=\"call-out\"><h3>TIP:<\/h3>You can check your Points balance in the \"My Point Summary\" section of \"My Account\" at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service). If You think you've received Points in error or haven't received Points that you've earned, call the ThankYou Service Center.<\/div>","subHeadingId":2}],"link":"","headingId":1},{"termsHeading":"Acquiring Points","subHeadingType":[{"subHeading":"Acquiring Points","link":"AcqPoints","termsContent":"<p>This section tells You general rules about how to get Points and describes how Points are earned depending on which Citi Account You have.<\/p><p><strong><em>Here's how You can acquire Points:<\/em><\/strong><\/p><ul class=\"terms-list-level-2\"><li><em><strong>Use of Your Citi Account<\/strong><\/em>. You can earn Points by using your Citi Account as described below.<\/li><li><strong><em>Promotional Offers.<\/em><\/strong> You may be provided with promotional offers that let You earn Points. If we make a promotional offer, we&rsquo;ll let You know the specific terms and conditions that apply.<\/li><li><strong><em>Negative Point Balance.<\/em><\/strong> Subtracting Points from your ThankYou Account (for example, if You return items purchased with your Card Account) can result in a negative Point balance. If this happens, Points You earn after that will be used to bring your balance to zero.<\/li><\/ul>","subHeadingId":1},{"subHeading":"Earning Points With Your Card Account","link":"EarnWithCardAccount","termsContent":"<ul class=\"terms-list-level-2\"><li><em><strong>Only Purchases Earn Points.<\/strong><\/em> You'll earn Points for purchases using your Card Account, minus returns and refunds.<\/li><li><strong><em>The following types of transactions don't qualify as purchases that earn Points:<\/em><\/strong><ul class=\"terms-list-level-3\"><li>Use of checks that access your Card Account<\/li><li>Balance transfers<\/li><li>Cash advances<\/li><li>Travelers checks, foreign currency purchases, money orders, wire transfers and similar cash-like transactions<\/li><li>Lottery tickets, gaming chips and similar betting transactions<\/li><li>Interest and account fees<\/li><li>Unauthorized charges<\/li><li>Items returned for credit<\/li><\/ul><\/li><li><strong><em>Open and Current Card Account<\/em><\/strong>. You may earn Points as long as your Card Account is open and current.<\/li><li><strong><em>When You Will Receive Points.<\/em><\/strong> 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).<\/li><li><strong><em>Additional Points for Certain Categories of Purchases.<\/em><\/strong> Depending on the type of Card Account You have, You may be able to earn more than one (1) Point for each $1 You spend on certain categories of purchases, such as \"entertainment\" and \"dining out.\"<\/li><li><strong><em>Merchant Classification for Rewards Categories.<\/em><\/strong> Merchants are assigned a merchant category code (&ldquo;MCC&rdquo;), 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&rsquo;t control the assignment of these codes and are not responsible for the codes used by merchants. When You use your Card Account 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&rsquo;t grouped into that category, as recognized by Citi, 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 &ldquo;retailer&rdquo; code instead of a &ldquo;restaurant&rdquo; code. Please also note &ndash; 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.<\/li><\/ul><p class=\"section-divider\"><strong><em>Refer to the chart below to see the number of Points you'll earn using your Card Account.<\/em><\/strong><\/p><table class=\"terms-list-table table-columns-halves\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th>Card Account<\/th><th>Earn<\/th><\/tr><tr><td><div class=\"credit-card-label\">Citi<sup>&reg;<\/sup> ThankYou<sup>&reg;<\/sup> Preferred Card<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/citi-thankyou-preferred.jpg\" alt=\"\"><\/td><td><p>With the Citi ThankYou Preferred Card, You can earn ThankYou&reg; Points for purchases made on your card. Unless You are participating in a limited-time offer, You will earn the following:<\/p><ul class=\"terms-list-level-2\"><li><strong>2X at Restaurants<\/strong>. You will earn 2 ThankYou Points for each $1 You spend at restaurants, including cafes, bars, lounges, and fast food restaurants;<p><em>Certain Non-Qualifying Purchases<\/em>.&nbsp; You will not earn 2X Points for purchases made at bakeries, caterers, restaurants located inside other establishments (such as hotels, department, grocery, discount and convenience stores or warehouse clubs) or online dining delivery services.<\/p><\/li><\/ul><ul class=\"terms-list-level-2\" role=\"list\" aria-expanded=\"false\"><li><strong>2X on Live Entertainment.<\/strong> You will earn 2 ThankYou Points for each $1 You spend on live entertainment, including concerts, live sporting events, live theatrical productions, and orchestras;<p><em>Certain Non-Qualifying Purchases<\/em>.&nbsp; You will not earn 2X Points for purchases made at charitable organizations that provide live entertainment, sporting camps, sports complexes where You participate in the sport, public and private golf courses, country clubs (including membership fees), bowling alleys, movie theaters, museums or art galleries.&nbsp;<\/p><\/li><li><strong>2X on Cable and Popular Streaming<\/strong>. You will earn 2 ThankYou Points for each $1 You spend on cable and popular streaming services, which includes cable and satellite providers as well as the select streaming providers listed below:<div style=\"padding-left: 30px;\">&nbsp;<\/div><div style=\"padding-left: 30px;\">Amazon Prime Video<br>Apple Music<br>DirecTV Stream<br>Disney+<br>ESPN<br>Fandango at Home<br>fuboTV<br>HBO Max<br>Hulu<br>MLB.TV<br>NBA League Pass<br>Netflix<br>Pandora<br>Paramount+<br>SiriusXM<br>Sling TV<br>Spotify<br>Starz<br>Tidal<br>YouTube Premium<br>YouTube TV<\/div><p>* A streaming service purchase will not qualify if the charge is bundled with another product, membership, or service; or if it is billed by a third party such as a digital platform or as a purchase inside another streaming service. The above names are trademarks or registered trademarks of their respective owners. Participating streaming services may change at any time. The owners of the above trademarks do not endorse Citibank N.A.&rsquo;s services, and are not otherwise affiliated with Citibank, N.A. or any of its related entities. Citi may use Merchant Category Codes in order to identify qualifying transactions. As a result, the section titled &ldquo;Merchant Classification for Rewards Categories&rdquo; applies to this benefit.<\/p><p><strong>1X on All Other Purchases<\/strong>. You will earn 1 ThankYou Point for each $1 spent on all other purchases including the non-qualifying purchases listed above.<\/p><\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">Citi Strata<sup>&reg;<\/sup> Card<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citirewards/ty/usa/card_rewards-plus_thumb_3x.png\" alt=\"\" width=\"123\" height=\"78\"><\/td><td><p>Unless You are participating in a limited-time offer, You will earn:<\/p><ul class=\"terms-list-level-2\"><li>5 ThankYou Points for each $1 spent on hotels, car rentals, and attractions booked through Citi Travel&reg; via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Service)<\/li><li>3 ThankYou Points for each $1 spent at Supermarkets<\/li><li>3 ThankYou Points for each $1 spent at Gas &amp; EV Charging Stations and on Select Transit purchases<\/li><li>3 ThankYou Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores)<\/li><li>2 ThankYou Points for each $1 spent at Restaurants<\/li><li>1 ThankYou Point for each $1 spent on All Other Purchases<\/li><\/ul><p>The following definitions and non-qualifying purchases apply to the categories listed above:<\/p><p><strong>Citi Travel:<\/strong><br>You will earn 5 ThankYou Points for each $1 spent on hotels, car rentals, and attractions when you use your Citi Strata Card to book through Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Service). For bookings made with a combination of points and your Citi Strata Card, only the portion paid with your card will earn points. Points are not earned on cancelled 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 by Agoda.<\/p><p><strong>Supermarkets:<\/strong><br>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 3X Points for purchases made at online supermarkets if the merchant does not classify itself as a supermarket by using the supermarket merchant category code.<\/p><p><strong>Gas &amp; EV Charging Stations and Select Transit:<\/strong><br>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. Also includes merchants that sell electricity for charging an electric vehicle. Excludes bike/scooter rentals, auto clubs and insurance companies. Gas stations exclude gas purchases at warehouse clubs, wholesale stores, superstores, discount stores, department stores, convenience stores or other merchants that do not use the gas station merchant category codes.<\/p><p><strong>Restaurants:<\/strong><br>Includes purchases at cafes, bars, lounges, fast-food restaurants, restaurant delivery services, and take out restaurants. Excludes purchases at bakeries, caterers, and restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs). You will earn 2 ThankYou Points per $1 spent on restaurant gift card purchases if the merchant uses the restaurant merchant category code for those transactions.<\/p><p><strong>Select Streaming Services:<\/strong><br>Includes the following streaming providers: Amazon Prime Video, Apple Music, Disney+, DirecTV Stream, ESPN, Fandango at Home, fuboTV, HBO Max, Hulu, MLB.TV, NBA League Pass, Netflix, Pandora, Paramount+, Sling TV, Spotify, Starz, SiriusXM, Tidal, YouTube Premium, and YouTube TV.<\/p><p>A streaming service purchase will not qualify if the charge is bundled with another product, membership, or service; or if it is billed by a third party such as a digital platform or as a purchase inside another streaming service. The above names are trademarks or registered trademarks of their respective owners. Participating streaming services may change at any time. The owners of the above trademarks do not endorse Citibank N.A.&rsquo;s services, and are not otherwise affiliated with Citibank, N.A. or any of its related entities. Citi may use Merchant Category Codes in order to identify qualifying transactions. As a result, the section titled &ldquo;Merchant Classification for Rewards Categories&rdquo; applies to this benefit.<\/p><p><strong>Fitness Clubs:<\/strong><br>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.<\/p><p><strong>Live Entertainment:<\/strong><br>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.<\/p><p><strong>Cosmetic Stores/Barber Shops/Hair Salons:<\/strong><br>Cosmetic stores include retailers that sell every day and theatrical cosmetics. You will not earn 3X Points for cosmetic purchases made in businesses such as department stores, drug stores, and supermarkets unless they use the Cosmetic Stores merchant category code. Barber Shops and Hair Salons include merchants that provide personal hair care services such as hair cutting, styling, coloring, and extensions. Barber Shops and Hair Salons may also perform manicures and pedicures and sell a limited selection of hair care products. You will not earn 3X Points for purchases made at barber shops and hair salons located in other businesses such as spas or hotels unless they use the Barber Shops and or Hair Salons merchant category code.<\/p><p><strong>Pet Supply Stores:<\/strong><br>Retailers that sell pet food and pet supplies. You will not earn 3X Points for pet supply purchases made at drug stores, markets, wholesale clubs, discount superstores, and supermarkets. You will not earn 3X points for veterinary services unless they use the Pet Supply Stores merchant category code.<\/p><p><strong>Self-Select Category:<\/strong><br>You will earn 3 ThankYou Points for each $1 spent on purchases made in an eligible Self-Select Category of your choice. Self-Select Categories include: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores.<\/p><p>When your account is opened, the default Self-Select Category is Select Streaming Services. To change your Self-Select Category the primary card member must register for an online account and sign-in at citi.com/selfselect or call 1-800-842-6596 (TTY: We accept 711 or other Relay Service) and choose which Self-Select Category to activate. You may change your Self-Select Category once each calendar quarter (January-March, April-June, July-September, October-December). The change will go into effect the following day at 12:00 AM Central Time. To qualify for 3X ThankYou Points, eligible purchases must be made on the day after a Self-Select Category is chosen to be eligible for the newly selected category. For example, if you changed your category to Fitness Clubs on Monday, you would begin to earn 3 ThankYou points per $1 spent on Fitness Club purchases made on Tuesday (Central Time). Citi will use the purchase date listed on your statement to determine when the purchase was made. Some merchants will not process a purchase transaction until the merchandise is shipped, this may delay the purchase date on your account. Citi is not responsible for when a merchant processes a transaction.<\/p><\/td><\/tr><tr><td><div class=\"credit-card-label\">Citi Strata Premier<sup>&reg;<\/sup> Card<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/citi-thankyou-premier.jpg\" alt=\"\" width=\"121\" height=\"77\"><\/td><td><p>With the Citi Strata Premier Card, you can earn ThankYou Points for purchases made on your card.<\/p><p>Unless You are participating in a limited-time offer, You will earn:<\/p><ul class=\"terms-list-level-2\"><li>10 total ThankYou Points for each $1 spent on hotel, car rental and attraction bookings with Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Service)<\/li><li>3 ThankYou Points for each $1 spent on air travel and other hotel purchases<\/li><li>3 ThankYou Points for each $1 spent at restaurants<\/li><li>3 ThankYou Points for each $1 spent at supermarkets<\/li><li>3 ThankYou Points for each $1 spent at gas and EV charging stations<\/li><li>1 ThankYou Point for each $1 spent on all other purchases<\/li><\/ul><p>Cardmembers will also be eligible to receive the $100 Annual Hotel Benefit.<\/p><p>The following definitions apply to the categories:<\/p><p><strong>Citi Travel<\/strong>:<br>You will earn 10 ThankYou Points for each $1 spent on hotels, car rentals, and attractions when you use your Citi Strata Premier Card to book with Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Service). For bookings made with a combination of points and your Citi Strata Premier Card, only the portion paid with your card will earn points. Points are not earned on cancelled 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 by Agoda.<\/p><p><strong>Air Travel and Other Hotel Purchases<\/strong>:<br>Includes purchases at airlines, hotels (not booked with Citi Travel via cititravel.com), and travel agencies.<\/p><p><strong>Restaurants<\/strong>:<br>Includes purchases at cafes, bars, lounges, fast-food restaurants, restaurant delivery services, and take out restaurants. Excludes purchases at bakeries, caterers, and restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs). You will not earn 3 ThankYou Points on restaurant gift card purchases if the merchant does not use the restaurant merchant category code.<\/p><p><strong>Supermarkets<\/strong>:<br>Excludes purchases made at general merchandise/discount superstores; freezer/meat locker provisioners; dairy product stores; miscellaneous food/convenience stores; drugstores; warehouse/wholesale clubs; specialty food markets; bakeries; candy, nut, and confectionery stores; and meal kit delivery services. Purchases made at online supermarkets or with grocery delivery services do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant code.<\/p><p><strong>Gas Stations and Electric Vehicle (EV) Charging<\/strong>: <br>Excludes gas and EV charging purchases at warehouse clubs, discount stores, department stores, convenience stores or other merchants that are not classified as gas stations or EV charging using the gas station or EV charging merchant codes.<\/p><p><strong>All Other Purchases<\/strong>:<br>Includes the non-qualifying purchases listed above.<\/p><p><strong>$100 Annual Hotel Benefit<\/strong>:<br>Once per calendar year, enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked with Citi Travel via <strong>cititravel.com<\/strong> (Citi Travel is powered by Rocket Travel by Agoda) or 1-833-737-1288 (TTY: We accept 711 or other Relay Service). For purposes of this benefit, a calendar year begins January 1st at 12:00 AM Eastern Time and ends December 31st at 11:59 PM Eastern Time. For example, if you make a reservation on December 31st at 10:00 PM Pacific Time and utilized this benefit, it will count against the following year&rsquo;s benefit. This benefit is subject to the following eligibility requirements: To receive the $100 Annual Hotel Benefit, you must pre-pay for your complete stay with your Citi Strata Premier Card, ThankYou&reg; Points, or a combination thereof. If you choose to use the benefit, the $100 Annual Hotel Benefit will be applied to your reservation at the time of booking. If you cancel a booking for which you used the $100 Annual Hotel Benefit, the benefit will be returned to your account after the cancellation is processed and will remain available for use on any remaining days in the same calendar year. For example, if in November you make a qualifying reservation for March of the next year and use your $100 Annual Hotel Benefit, but then you cancel the reservation in January, you will forfeit that benefit for the prior calendar year. If you use your annual hotel benefit for a non-refundable hotel purchase and you cancel your hotel booking, you forfeit the annual hotel benefit that you used to make that purchase. All reservations must be changed or canceled with Citi Travel via <strong>cititravel.com<\/strong> or 1-833-737-1288 (TTY: We accept 711 or other Relay Service). If your hotel purchase qualifies for the $100 Annual Hotel Benefit, you won&rsquo;t earn points on the portion of the purchase that is offset by the benefit.<\/p><p>Eligibility requirements:<\/p><ul class=\"terms-list-level-2\"><li>Reservations must be made by the primary cardmember. Reservations can be made in the primary cardmember&rsquo;s or authorized user&rsquo;s names.<\/li><li>Package rates such as air and hotel, or hotel and car rental do not qualify for the benefit.<\/li><li>Reservations made through any party or channel other than Citi Travel via <strong>cititravel.com<\/strong> or 1-833-737-1288 (TTY: We accept 711 or other Relay Service) are not eligible for the $100 Annual Hotel Benefit.<\/li><li>The $100 Annual Hotel Benefit cannot be combined in the same transaction with the Citi Prestige&reg; Card 4th Night hotel benefit if you have both the Citi Strata Premier and Citi Prestige cards. This benefit also cannot be combined with any other promotions or discounts on thankyou.com.<\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">Citi Strata Elite<sup>&reg;<\/sup> Card<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/citi-thankyou-strata_elite.jpg\" alt=\"\" width=\"121\" height=\"77\"><\/td><td><ul class=\"terms-list-level-2\"><li>12 ThankYou Points for each $1 spent on hotels, car rentals, and attractions booked through Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Service).<\/li><li>6 ThankYou Points for each $1 spent on air travel booked through Citi Travel via cititravel.com or 1-833-737-1288(TTY: We accept 711 or other Relay Service).<\/li><li>6 ThankYou Points for each $1 spent at restaurants, including restaurant delivery services, for purchases authorized between Friday 6:00 PM through Saturday 6:00 AM ET, and Saturday 6:00 PM through Sunday 6:00 AM ET (<strong>&ldquo;Citi Nights<sup>&reg;<\/sup>&rdquo;<\/strong>).<\/li><li>3 ThankYou Points for each $1 spent at restaurants, including restaurant delivery services, for purchases authorized at any time outside of Citi Nights.<\/li><li>1.5 ThankYou Point for each $1 spent on all other purchases, including the purchases excluded below.<\/li><\/ul><p><strong>Citi Travel<\/strong>: You will earn 12 ThankYou Points for each $1 spent on hotels, car rentals, and attractions and 6 ThankYou Points for each $1 spent on airfare booked using your Citi Strata Elite Card with Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Service). For bookings made with a combination of points and your Citi Strata Elite Card, only the portion paid with your card will earn points. Points are not earned on cancelled bookings that are refundable. 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 by Agoda.<\/p><p><strong>Restaurants<\/strong>: Includes purchases at cafes, bars, lounges, fast-food restaurants, restaurant delivery services, and take out restaurants. Excludes purchases at bakeries, caterers, and restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs). You will earn 1.5 ThankYou Point per $1 spent on restaurant gift card purchases if the merchant does not use the restaurant merchant category code for that purchase.<\/p><p><strong>Citi Nights<sup>&reg;<\/sup>:<\/strong><br>You will earn 6 ThankYou Points for each $1 spent at restaurants, including restaurant delivery services, for purchases authorized between Friday 6:00 PM through Saturday 6:00 am ET, and Saturday 6:00 PM through Sunday 6:00 AM ET when you use your Citi Strata Elite card.<\/p><p>Citi Nights eligibility is based on the day and time your restaurant purchase is authorized, not when the transaction is posted to your Account. For example, when paying for your dinner, the restaurant may authorize your purchase at 8:00 PM ET on a Friday night, but the transaction does not post to your Account until Monday. In this example, your purchase will qualify, because the purchase was authorized during Citi Nights. ThankYou Points will be issued to your Account once the purchase posts to your Account and is based on the amount of the final transaction, not the authorization amount.<\/p><p>Restaurant purchases made outside of Citi Nights may post to your Account on a Friday or Saturday. However, these purchases will not qualify for Citi Nights if the authorization for the purchase occurred at a time other than between Friday 6:00 PM through Saturday 6:00 AM ET, or Saturday 6:00 PM through Sunday 6:00 AM ET. For example, a restaurant purchase you made on Thursday night that posts to your Account on Saturday night would not qualify because the authorization took place outside the Citi Nights timeframe.<\/p><p><strong>Up to $300 Annual Hotel Benefit via Citi Travel:&nbsp;<\/strong><br>Once per calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked with Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Service). For purposes of this benefit, a calendar year begins January 1st at 12:00AM Eastern Time and ends December 31st at 11:59PM Eastern Time. For example, if you make a reservation on December 31st at 10:00PM Pacific Time and utilized this benefit, it will count against the following year&rsquo;s benefit. This benefit is subject to the following eligibility requirements: To receive the annual hotel benefit, you must pre-pay for your complete stay with your Citi Strata Elite Card, ThankYou&reg; Points, or a combination thereof. If you choose to use the benefit, up to $300 will be applied to your reservation at the time of booking. If your reservation is less than $300, the remaining amount of the annual hotel benefit will be available for your next qualifying purchase in that same calendar year. If you cancel a booking for which you used any or all of your annual hotel benefit, the benefit will be returned to your account after the cancellation is processed and will remain available for use on any remaining days in the same calendar year. For example, if in November you make a qualifying reservation for March of the next year and use your $300 Annual Hotel Benefit, but you cancel the reservation in January, you will forfeit that benefit for the prior calendar year. If you use your annual hotel benefit for a non-refundable hotel purchase and you cancel your hotel booking, the non-refundable charge will still be offset by the benefit. All reservations must be changed or canceled through Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Service). If your hotel purchase qualifies for the $300 Annual Hotel Benefit, you won&rsquo;t earn points on the portion of the purchase that is offset by the benefit<\/p><p>Eligibility requirements:<\/p><ul class=\"terms-list-level-2\"><li>Reservations must be made by the primary cardmember. Reservations can be made in the primary cardmember&rsquo;s or Authorized User&rsquo;s names.<\/li><li>Package rates such as air and hotel, or hotel and car rental do not qualify for the benefit.<\/li><li>Reservations made through any party or channel other than Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Service) are not eligible for the $300 Annual Hotel Benefit.<\/li><li>The $300 Annual Hotel Benefit cannot be combined in the same transaction with the Citi Prestige<sup>&reg;<\/sup> Card Complimentary 4th Night hotel benefit if you have both the Citi Strata Elite and Citi Prestige cards. This benefit also cannot be combined with any other promotions or discounts on thankyou.com.<\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">Citi Prestige<sup>&reg;<\/sup> Card<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/citi-prestige.jpg\" alt=\"\" width=\"123\" height=\"79\"><\/td><td><p>With the Citi Prestige<sup>&reg;<\/sup> Card, you can earn ThankYou Points for purchases made on your card. Unless you are participating in a limited-time offer, you will earn:<\/p><ul class=\"terms-list-level-2\"><li>5 ThankYou Points for each $1 spent on purchases at airlines and travel agencies, identified by Merchant Category Code (&ldquo;MCC&rdquo;).<\/li><li>5 ThankYou Points for each $1 spent on purchases at restaurants (including purchases at cafes, bars, lounges, fast-food restaurants, restaurant delivery services, and take out restaurants), identified by \"MCC\".<\/li><li>3 ThankYou Points for each $1 spent on purchases at hotels, identified by \"MCC\".<\/li><li>3 ThankYou Points for each $1 spent on purchases at cruise lines, identified by \"MCC\".<\/li><li>1 ThankYou Point for each $1 spent on other purchases.<\/li><\/ul><ul class=\"terms-list-level-2\"><li><strong>Certain Non-Qualifying Purchases. Restaurants<\/strong> &ndash; You will not earn 5 ThankYou Points for each $1 spent on purchases at bakeries, caterers, and restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs). You will not earn 5 ThankYou Points on restaurant gift card purchases if the merchant does not use the restaurant merchant category code.<\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">AT&amp;T Access Card<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/att-access.jpg\" alt=\"\" width=\"129\" height=\"81\"><\/td><td><ul class=\"terms-list-level-2\"><li>2 ThankYou Points for each $1 spent on products and services purchased directly from AT&amp;T, including payment of monthly phone, cable or internet bills.<ul class=\"terms-list-level-3\"><li>Certain Non-Qualifying Purchases. You won't earn 2X Points for purchases from independent wireless dealers or AT&amp;T resellers unless You are paying for an AT&amp;T service, such as phone, cable or internet.<\/li><\/ul><\/li><li>2 ThankYou Points for each $1 spent on purchases made at eligible retail (including department store websites, specialty store websites, warehouse store websites and boutique websites) and travel websites (including online travel agencies, and hotel and airline websites)<ul class=\"terms-list-level-3\"><li>Certain Non-Qualifying Purchases. You won't earn 2X Points for purchases of and payments for medical services, insurance, taxes and government services, real estate, real estate rentals, purchases or reloading of prepaid or gift cards, education, charities and utilities.<\/li><\/ul><\/li><li>1 ThankYou Point for each $1 spent on other purchases, including the non-qualifying purchases listed above<\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">AT&amp;T Access More Card<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/att-access-more.jpg\" alt=\"\" width=\"127\" height=\"80\"><\/td><td><ul class=\"terms-list-level-2\"><li>3 ThankYou Points for each $1 spent on products and services purchased directly from AT&amp;T, including payment of monthly phone, cable or internet bills.<ul class=\"terms-list-level-3\"><li>Certain Non-Qualifying Purchases. You won't earn 3X Points for purchases from independent wireless dealers or AT&amp;T resellers unless You are paying for an AT&amp;T service, such as your phone, cable or internet.<\/li><\/ul><\/li><li>3 ThankYou Points for each $1 spent on purchases made at eligible retail (including department store websites, specialty store websites, warehouse store websites and boutique websites) and travel websites (including online travel agencies, and hotel and airline websites)<ul class=\"terms-list-level-3\"><li>Certain Non-Qualifying Purchases. You won't earn 3X Points for purchases of and payments for medical services, insurance, taxes and government services, real estate, real estate rentals, purchases or reloading of prepaid or gift cards, education, charities and utilities.<\/li><\/ul><\/li><li>1 ThankYou Point for each $1 spent on other purchases, including the non-qualifying purchases listed above.<\/li><li>Earn 10,000 bonus Anniversary ThankYou Points.<p>At the end of each AT&amp;T Access More Card account membership year (the membership year begins the date You become an AT&amp;T Access More Cardmember and resets each year on that date) You, the primary Cardmember, can earn 10,000 bonus ThankYou Points after You spend $10,000 or more in purchases on your AT&amp;T Access More Credit Card from Citi. Offer is nontransferable. Bonus points will post to your account 1-2 billing cycles after your account membership year ends.<\/p><\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">AT&amp;T Points Plus<sup>&reg;<\/sup> Card from Citi<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/att-points-plus.jpg\" alt=\"\" width=\"125\" height=\"79\"><\/td><td><ul class=\"terms-list-level-2\"><li><strong>3 ThankYou Points<\/strong> for every $1 spent at gas and electric vehicle (EV) charging stations.<br><ul class=\"terms-list-level-3\"><li><strong>Certain Non-Qualifying Purchases:<\/strong> Gas and EV charging station purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station or EV charging merchant category codes.<\/li><\/ul><\/li><li><strong>2 ThankYou Points<\/strong> for every $1 spent at grocery stores, including grocery delivery services, supermarkets, meat/seafood stores, dairy stores, bakeries and miscellaneous food/convenience stores.<br><ul class=\"terms-list-level-3\"><li><strong>Certain Non-Qualifying Purchases:<\/strong> Grocery purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores and other merchants that do not use grocery store merchant category codes.<\/li><\/ul><\/li><li><strong>2 ThankYou Points <\/strong>for every $1 spent on products and services purchased directly from AT&amp;T, including payment of monthly phone or internet bills.<br><ul class=\"terms-list-level-3\"><li><strong>Certain Non-Qualifying Purchases:<\/strong> Products and services purchased at independent wireless dealers, non-AT&amp;T-owned stores or AT&amp;T resellers unless you are paying for an AT&amp;T service at these resellers, such as phone or internet.<\/li><\/ul><\/li><li><strong>1 ThankYou Point <\/strong>for every $1 spent on other purchases, including the non-qualifying purchases listed above.<\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">AT&amp;T Universal Rewards Card<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/att-universal-rewards.jpg\" alt=\"\" width=\"125\" height=\"79\"><\/td><td><ul class=\"terms-list-level-2\"><li>5 ThankYou Points for each $1 spent on products and services purchased directly from AT&amp;T, including payment of monthly phone, cable or internet bills.<ul class=\"terms-list-level-3\"><li>Certain Non-Qualifying Purchases.<br>You won't earn 5X Points for purchases from independent wireless dealers or AT&amp;T resellers unless You are paying for an AT&amp;T service, such as your phone, cable or internet.<\/li><\/ul><\/li><li>1 ThankYou Point for each $1 spent on other purchases, including the non-qualifying purchases listed above<\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">AT&amp;T Universal Rewards World MasterCard<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/att-universal-rewards-world-mastercard.jpg\" alt=\"\"><\/td><td><ul class=\"terms-list-level-2\"><li>5 ThankYou Points for each $1 spent on products and services purchased directly from AT&amp;T, including payment of monthly phone, cable or internet bills.<ul class=\"terms-list-level-3\"><li>Certain Non-Qualifying Purchases.<br>You won't earn 5X Points for purchases from independent wireless dealers or AT&amp;T resellers unless You are paying for an AT&amp;T service, such as your phone, cable or internet.<\/li><\/ul><\/li><li>1 ThankYou Point for each $1 spent on other purchases, including the non-qualifying purchases listed above.<\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">AT&amp;T Universal Savings &amp; Rewards<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/att-universal-savings-and-reward.jpg\" alt=\"\" width=\"127\" height=\"80\"><\/td><td><ul class=\"terms-list-level-2\"><li>1 ThankYou Point for each $1 spent on non-AT&amp;T purchases.<\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">Citi Professional Card with Citi ThankYou<sup>&reg;<\/sup> Rewards<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/citi-professional-with-citi-thankyou-rewards.jpg\" alt=\"\" width=\"128\" height=\"81\"><\/td><td><ul class=\"terms-list-level-2\"><li>The total number of ThankYou Points that may be earned is 100,000 per calendar year.<\/li><li>1 ThankYou Point for each $1 spent on purchases.<\/li><li>Call the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) to find out if your Card Account is eligible to earn additional ThankYou Points for each $1 You spend on certain purchases at gas stations, restaurants, on car rentals and at office supply stores.<\/li><\/ul><\/td><\/tr><tr><td><div class=\"credit-card-label\">CitiBusiness ThankYou<sup>&reg;<\/sup> Card<a id=\"CitiBusinessThankyouCardInfo\" class=\"terms-and-conditions-content-title\" data-category-id=\"2\" data-subcategory-id=\"2\"><\/a><\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/images/citi-credit-cards/citibusiness-thankyou.jpg\" alt=\"\" width=\"126\" height=\"80\"><\/td><td><p id=\"citi-business-thankyou-card-info-1\">The total number of ThankYou Points that may be earned is 100,000 per calendar year<\/p><ul class=\"terms-list-level-2\"><li>3 ThankYou Points for each $1 spent on purchases at certain office supply stores and on certain eligible professional services for your business, such as stand-alone tax preparation, accounting, bookkeeping and legal services.<ul class=\"terms-list-level-3\"><li>Certain Non-Qualifying Purchases. You won&rsquo;t earn 3X Points for purchases made at warehouse clubs, discount stores, and convenience stores, or for insurance sales and premiums, real estate and architectural services, data processing and programming services, and advertising services.<\/li><\/ul><\/li><li>3 ThankYou Points for each $1 spent on eligible travel. This includes purchases made at airlines, hotels, cruise lines, travel agencies, and car rentals.<\/li><\/ul><p id=\"citi-business-thankyou-card-info-2\">1 ThankYou Point for each $1 spent on other purchases, including the non-qualifying purchases listed above.<\/p><\/td><\/tr><\/tbody><\/table>","subHeadingId":2},{"subHeading":"Earning Points With Your Citibank Checking Account","link":"EarnWithCheckAccount","termsContent":"<h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong><em>Eligibility for the Program with a Citibank Checking Account<\/em><\/strong><\/h3><p><strong><em>Customers with a Citibank Checking Account and no Card Accounts are ineligible to apply to open a new ThankYou Account as of July 18, 2022<\/em><\/strong>. Even if you have an open ThankYou Account associated with a Card before July 18, 2022, you will not be able to open a new ThankYou Account associated with a Citibank Checking Account or associate a new Citibank Checking Account with your existing Card Account after July 18, 2022. Without a ThankYou Account associated with a Citibank Checking Account, customers cannot earn ThankYou Points from use of their Citibank Checking Account.<\/p><ul class=\"terms-list-level-2\" style=\"padding-left: 80px;\"><li>Your Citibank Checking Account, which was associated with an open, eligible ThankYou Account on or before July 17, 2022 will no longer earn ThankYou Rewards based on activities associated with your checking account for one of the following reasons:<ul class=\"terms-list-level-3\"><li>Your Citibank Checking Account has been converted to simplified banking;<\/li><li>Your Citibank Checking Account will be converted to simplified banking on or before September 1, 2024; or<\/li><li>Your Citi Private Bank (CPB) Checking Account will no longer earn ThankYou Rewards effective September 1, 2024.<\/li><\/ul><\/li><li>Your current points are eligible for redemption until they expire. To ensure you redeem your points before the expiration date, please visit thankyou.com. Card accounts associated with your Citi ThankYou Account can continue to earn and redeem points.<\/li><\/ul><p>To maintain enrollment and participation in the Program along with earning ThankYou Points, you must have an open, eligible Citibank Checking Account which was associated with an open, eligible ThankYou Account on or before July 17, 2022:<\/p><ul class=\"terms-list-level-2\" style=\"padding-left: 80px;\"><li>Be a U.S. citizen or resident alien of the United States; and<\/li><li>Be 18 years or older; and<\/li><li>Provide or have provided certification of U.S. tax status on IRS Form W-9 with a valid Social Security or other tax identification number.<br><br><ul class=\"terms-list-level-3\"><li><strong><em> Eligible Accounts.<\/em><\/strong> You must have a Citibank Checking Account titled in your name (either individually or jointly with one or more other natural persons) or a personal revocable living trust if You are the settlor (also referred to as grantor or trustor) and current trustee; no other types of accounts are eligible (including, but not limited to, representative, special title and other fiduciary accounts).<\/li><li><strong><em>Multiple Owners.<\/em><\/strong> For a Citibank Checking Account with multiple owners, the qualifying activities of all authorized signers may contribute to earning Points, but only the primary owner of the Account can be a Member. The primary owner is identified by the taxpayer identification number of the primary (first) signer in Citibank's records.<\/li><\/ul><\/li><li><strong><em>The following provisions only apply to open, eligible Citibank Checking Accounts that were associated with an open, eligible ThankYou Account on or before July 17, 2022<\/em><\/strong>&nbsp;<ul class=\"terms-list-level-3\"><li><strong><em>Changes to Your Citibank Checking Account.<\/em><\/strong> Points earned in a statement period are calculated based on the checking package your account is in on the last business day of your statement period. For example, if your Citibank Checking Account is in the Citigold Account Package, and You choose to convert to the Citibank Account Package during a statement period, Points earned for that statement period will be based on the Citibank Account Package. If You convert from an eligible account package to an ineligible account package (e.g., Basic Banking Package) before the last business day of your statement period, You won't earn any Points for that statement period.<\/li><\/ul><\/li><li><strong><em>When You Will Receive Points.<\/em><\/strong> Points earned with your Citibank Checking Account and qualifying products, services and activities will appear in your ThankYou Account after the end of the Citibank Checking Account statement period during which You meet the requirements described in this section. In certain circumstances there may be a delay before the points appear in your ThankYou Member Account. Points are not available for redemption until they appear in your ThankYou Account.<\/li><\/ul><ul class=\"terms-list-level-2\" style=\"padding-left: 80px;\"><li><strong><em>Limits on Earning Points with Your Citibank Checking Account.<\/em><\/strong> The maximum number of Points You can earn in one calendar year with your Citibank Checking Account is 75,000, including any bonus Points You receive, unless otherwise specified in the separate terms of a promotional offer. You can accumulate Points for only one (1) eligible product or service within any particular category per statement period. For example, if You have multiple personal loans, You can receive Points for only one (1) personal loan. Similarly, two (2) or more savings or money market accounts will count as a single savings account regardless of the number of accounts or account balances.<\/li><\/ul><h3 style=\"font-size: 14px; margin: 14px 0 0 0; white-space: pre-wrap; line-height: 1.5;\"><strong><em>Earning Points with a Citibank Account Package <\/em><\/strong><\/h3><p class=\"mt-0\">If You have the Citibank Account Package, You can earn 450 Points during any statement period when a qualifying Direct Deposit is credited to, and a qualifying Bill Payment is debited from, your Citibank Checking Account. If You don't have a qualifying Direct Deposit and Bill Payment in a statement period, You won't earn any Points that statement period. If You do have a qualifying Direct Deposit and Bill Payment in a statement period, You may be able to earn additional Points:<\/p><table class=\"terms-list-table table-columns-halves\" border=\"0\" cellspacing=\"0\" cellpadding=\"10\"><tbody><tr><th>If You have an/a...<\/th><th>Then You can earn...<\/th><\/tr><tr><td>Auto Save transaction that posts to your Citibank Checking Account during a statement period<\/td><td><strong>75 Points<\/strong><\/td><\/tr><tr><td>Open Citibank savings or money market account linked to your Citibank Checking Account<\/td><td><strong>150 Points<\/strong><\/td><\/tr><tr><td>Citibank mortgage linked to your Citibank Checking Account<\/td><td><strong>100 Points<\/strong><\/td><\/tr><tr><td>Citibank home equity loan or home equity line of credit linked to your Citibank Checking Account<\/td><td><strong>100 Points<\/strong><\/td><\/tr><tr><td>Citibank personal loan linked to your Citibank Checking Account<\/td><td><strong>50 Points<\/strong><\/td><\/tr><tr><td>Citibank Custom Credit Line linked to your Citibank Checking Account<\/td><td><strong>75 Points<\/strong><\/td><\/tr><\/tbody><\/table><h3 style=\"font-size: 14px; margin: 14px 0 0 0; white-space: pre-wrap; line-height: 1.5;\"><strong><em>Earning Points with a Citibank Checking Account in the Citigold, Citi Priority or Citi Private Bank Account Package <\/em><\/strong><\/h3><p class=\"mt-0\">If You have a consumer checking account in the Citigold Account or Citi Priority Account or Citi Private Bank Account Package, You can earn 650 Points during any statement period when a qualifying Direct Deposit is credited to, and a qualifying Bill Payment is debited from, your Citibank Checking Account. If You don&rsquo;t have a qualifying Direct Deposit and Bill Payment in a statement period, but have at least one debit or credit transaction to or from your Citibank Checking Account during that statement period, You can earn 350 Points. If You don&rsquo;t have a qualifying Direct Deposit and Bill Payment, or don&rsquo;t have a debit or credit transaction to/from your Citibank Checking Account in a given statement period, You won&rsquo;t earn Points for that statement period. However, if You have a qualifying Direct Deposit, a qualifying Bill Payment and/or at least one (1) debit or credit transaction, You may be able to earn additional Points:<\/p><table class=\"terms-list-table table-earning-points-citigold-private-account\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th>If You have an/a:<\/th><th>And You have a qualifying Direct Deposit and Bill Payment, then You can earn:<\/th><th>And You don't have a qualifying Direct Deposit and Bill Payment, but have at least one (1) debit or credit transaction on your account, then You can earn:<\/th><\/tr><tr><td>Qualifying Direct Deposit or Bill Payment to/from your Citibank Checking Account<\/td><td><strong>N/A<\/strong><\/td><td><strong>100 Points<\/strong><\/td><\/tr><tr><td>Auto Save transaction that posts to your Citibank Checking Account during a statement period<\/td><td><strong>125 Points<\/strong><\/td><td><strong>75 Points<\/strong><\/td><\/tr><tr><td>Open Citibank savings or money market account linked to your Citibank Checking Account<\/td><td><strong>200 Points<\/strong><\/td><td><strong>150 Points<\/strong><\/td><\/tr><tr><td>Citibank mortgage linked to your Citibank Checking Account<\/td><td><strong>175 Points<\/strong><\/td><td><strong>100 Points<\/strong><\/td><\/tr><tr><td>Citibank home equity loan or home equity line of credit linked to your Citibank Checking Account<\/td><td><strong>175 Points<\/strong><\/td><td><strong>100 Points<\/strong><\/td><\/tr><tr><td>Citibank personal loan linked to your Citibank Checking Account<\/td><td><strong>125 Points<\/strong><\/td><td><strong>50 Points<\/strong><\/td><\/tr><tr><td>Citibank Custom Credit Line linked to your Citibank Checking Account<\/td><td><strong>150 Points<\/strong><\/td><td><strong>75 Points<\/strong><\/td><\/tr><\/tbody><\/table>","subHeadingId":3}],"link":"","headingId":2},{"termsHeading":"Redemption and Rewards","subHeadingType":[{"subHeading":"Redemption and Rewards","link":"RdmRewards","termsContent":"<p>This section tells You how and when You can redeem Points and provides information about delivery, cancellation and return of certain Rewards.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Who May Redeem.<\/em><\/strong> Only You can redeem Points from your ThankYou Account, unless we tell You otherwise. Authorized users whose Card Account is linked to your ThankYou Account may use your Points on websites, mobile applications, and/or at the point of sale of participating Shop with Points merchants.<\/li><li><strong><em>When Points May Be Redeemed.<\/em><\/strong> Once Points appear in your ThankYou Account, they're available for redemption.<\/li><\/ul><p><strong>Find out what You currently can get with your Points by logging into your ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>.<\/strong><\/p><div class=\"call-out\"><h3>TIP:<\/h3>It's important to protect your online ThankYou Account username and password in the same way You protect other information associated with your Citi Account (such as your account number). Anyone who can access your online account can use your Points to redeem for Rewards and change your personal information.<\/div><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong><em>Additional Information on Redeeming Points<\/em><\/strong><\/h3><ul class=\"terms-list-level-2\"><li><em><strong>Insufficient Point Balance.<\/strong><\/em> If your Point balance falls below the number of Points required to redeem for a Reward after you've already ordered it (for example, because You returned a purchase), we may stop delivery of that Reward.<\/li><li><strong><em>No Warranties.<\/em><\/strong> Citibank, its affiliates and any merchants participating in the Program make no guarantees, warranties or representations of any kind concerning the Program.<\/li><li><strong><em>No Liability for Rewards.<\/em><\/strong> You release Citibank, its affiliates and any merchants participating in the Program from all liability regarding the redemption and use of Points and Rewards, including any Rewards that are lost, stolen or destroyed after they're received.<\/li><li><strong><em>No Affiliation with Rewards Merchants.<\/em><\/strong> Participating Rewards merchants aren't affiliated with or responsible for administration of the Program.<\/li><li><strong><em>Availability of Rewards<\/em><\/strong>. The availability of any Reward isn't guaranteed.<\/li><li><strong><em>Point Value May Vary.<\/em><\/strong> The value of a Point may vary depending on the Reward for which it's being redeemed. The value of a Point may also vary depending on whether it was earned with a Citibank Checking Account or with a particular Card Account. We have the right to change the Points to dollar conversion rate for Rewards at any time.<\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Even though two Rewards may have the same value in dollars, they may have a different cost in Points.<\/div><ul class=\"terms-list-level-2\"><li><strong><em>Taxes<\/em><\/strong> The monetary value of a Reward for which You redeem your Points may be considered taxable income from Citibank in the tax year in which You redeem the Points, in accordance with U.S. tax law. Citibank may be required to send You (and file with the IRS) a Form 1099-MISC (Miscellaneous Income) for the year in which You redeem your Points for a Reward when the value of the Reward plus other taxable Miscellaneous Income You receive from Citibank totals $600 or more for a calendar year. We determine the monetary value of Rewards received through your Points redemptions for tax purposes. The value of Rewards received by redeeming certain Points, such as Points received through your Citibank Checking Account and related bonus promotions, is taxable income. The value of Rewards received by redeeming certain other Points, such as Points earned on purchases made with a Card Account, is not taxable income. You're responsible for any personal tax liability due to the receipt of a Reward due to your Point redemption &ndash; consult with your tax advisor.<\/li><\/ul>","subHeadingId":1},{"subHeading":"Certain Reward Options","link":"RewardOptions","termsContent":"<p>This section tells You about certain Rewards available for redemption and explains some of the terms and conditions related to redeeming Points for each of those Rewards.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Reward-Specific Terms and Conditions.<\/em><\/strong> Special terms and conditions may apply to certain Rewards. For example, certain Rewards, such as Statement Credit, require You to redeem a minimum number of Points. Merchants may also impose terms and conditions on Rewards &ndash; e.g., limiting your use of a gift card in certain cases. Some of those terms and conditions can be found at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>. Sometimes you'll be required to affirmatively accept those terms and conditions when You redeem your Points. Even if You aren't required to do so, by redeeming your Points for that Reward, You acknowledge that you've read and agreed to the applicable terms and conditions. Please carefully read all terms and conditions before redeeming Points.<\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Additional Rewards not listed below may be available on <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>. Before You redeem Points for one of those Rewards, we'll give You any additional terms and conditions that apply.<\/div><ul class=\"terms-list-level-2\"><li id=\"RewardRedempShopWithPoints\"><strong><em>Shop with Points - <\/em><\/strong>ThankYou members with an eligible Citi Card Account can use ThankYou Points online and in-person at Shop with Points Participating Partners.<span data-eligibilty=\"SWP-STMT\"> There are two types of Shop with Points redemption options: Use Shop with Points for Purchases and Use Shop with Points for Statement Credits.<\/span> You can use Shop with Points for Purchases at certain online Participating Partners and for in-person purchases at certain Participating Partners.<\/li><li id=\"RewardRedempShopWithPoints\"><strong><em>Shop with Points - Use Points for Purchases.<\/em><\/strong> Citi will deduct the number of Points You redeem for your purchase from your ThankYou Account balance. A Participating Partner may restrict the use of Points for purchases of select items. Citi has the right to change Point to dollar conversion rates at any time. Purchases made with ThankYou Points may be subject to the Participating Partner&rsquo;s return and refund policy, which may include restocking fees. Participating Partner information can be found in the Frequently Asked Questions on thankyou.com. Citi or the Participating Partner may set a fee to redeem points or a minimum Point redemption requirement. If a redemption requirement or fee applies, it will be disclosed to You at the time of redemption. Any authorized users of your Card Account may be able to redeem Points through Shop with Points at Participating Partners.<ul class=\"terms-list-level-3\"><li><strong><em>Shop with Points - <\/em><\/strong><strong><em>Use Points for purchases at online Participating Partners. <\/em><\/strong> Participating Partner&rsquo;s terms and conditions apply to purchases using Points at the Participating Partner&rsquo;s website and links to these are available in the FAQs at thankyou.com. Your ThankYou Account balance may not reflect redemptions for pending purchase transactions until the purchase has shipped. You may only participate in Shop with Points at online Participating Partners if You have a Card Account that is current and in good standing.&nbsp; In addition, You must either be auto enrolled or complete the self-registration process, as further explained below.&nbsp; &nbsp;When You are enrolled, Citi will provide the online Participating Partner with information about your ThankYou Account.&nbsp; When You Shop with Points at online Participating Partners, in addition to the foregoing, You also agree to the following terms and conditions:&nbsp;<br><ul class=\"terms-list-level-3\"><li><strong><em>Auto-enrollment<\/em>. <\/strong>You may be automatically enrolled in Shop with Points at online Participating Partners if You have previously added or add a Card Account to the online Participating Partner&rsquo;s account.&nbsp; If You are automatically enrolled, your ThankYou Account will be linked to the online Participating Partner&rsquo;s account using the Card Account in the online Participating Partner&rsquo;s account. In the event You are auto-enrolled, You will receive an email from the online Participating Partner informing You of the auto-enrollment and how to de-enroll if You do not want to participate.<\/li><li><strong><em>Self-registration.&nbsp; <\/em><\/strong>You may enroll in Shop with Points through the self-registration process at online Participating Partners.&nbsp; You may want to self-register if, for example, You would like to participate in Shop with Points before You are auto-enrolled or if You have de-enrolled and later decide You would like to use your Points at online Participating Partners.&nbsp; During the self-registration process, your ThankYou Account will be linked to your account with the online Participating Partner using the Card Account. Following self-registration, You will receive an email from the online Participating Partner confirming your registration and telling You how to de-enroll.<\/li><\/ul><\/li><li><strong><em>Shop with Points &ndash; Use Points for in-person purchases at certain Participating Partners.<\/em><\/strong> You can only use Points for in-person purchases at certain Participating Partners if You have a Card Account that is current and in good standing.&nbsp; When you use your Card Account, Citi will provide certain Participating Partners with information about your ThankYou Account in order to determine if your purchase is eligible for Shop with Points. If an in-person purchase is eligible for Shop with Points, You may be presented a redemption offer.&nbsp; You will have the option to accept or decline to use Points for in-person purchases at certain Participating Partners. If you do not want to receive a redemption offer at a certain Participating Partner, visit the Shop with Points Accounts section of thankyou.com or call the ThankYou Service Center at 1-800-ThankYou (1-800-842-6596) (TTY: We accept 711 or other Relay Service) to opt out.<\/li><\/ul><\/li><\/ul><ul class=\"terms-list-level-2\"><li id=\"RewardRedempPayPoints\" data-category-id=\"3\" data-subcategory-id=\"2\" data-eligibilty=\"SWP-STMT\"><p><strong><em>Shop with Points - Use Points for Statement Credits.<\/em><\/strong> You can redeem available Points for a statement credit to your Card Account when making purchases at Participating Partners&rsquo; websites or mobile applications. In order to use Points for statement credits, You must be a Member of the Program with a ThankYou Account and Card Account in good standing. Authorized users of your Card Account may redeem Points for a statement credit when making purchases at Participating Partners&rsquo; websites or mobile applications.<\/p><ul class=\"terms-list-level-3\"><li>When You choose to view your point balance or use your Points at checkout on a website or mobile application of a Participating Partner, You agree we may share your available Point balance with the Participating Partner. If You do not want to have access to use&nbsp;Points for statement credits when using your Card Account on the websites or mobile applications of all or any of the Participating Partner, please visit the Shop with Points Accounts section of thankyou.com or call the ThankYou Service Center at 1-800-ThankYou (1-800-842-6596) (TTY: We accept 711 or other Relay Service) to opt out.<\/li><li>You can use&nbsp;Points for statement credits when making a purchase at the Participating Partner&rsquo;s website or mobile application by following the partner's instructions at checkout, subject to having sufficient credit available on your Card Account for the full purchase amount.<\/li><li>When You use&nbsp;Points for statement credits the following will occur:<ul class=\"terms-list-level-4\"><li>Your Card Account will be charged for the full amount of the purchase.<\/li><li>The amount of Points You choose to use will be redeemed for a corresponding statement credit to your Card Account to cover all or part of your purchase.<\/li><li>The amount of Points You chose to redeem for a statement credit will be deducted from your ThankYou Member Account Point balance at the time of purchase.<\/li><\/ul><\/li><li>Statement credits will post to your Card Account within two to three(2-3) business days after redemption.<\/li><li>The purchase(s) will be subject to interest, as are any other purchase(s) on your Card Account.<\/li><li>If there are no ThankYou Points available for redemption at time of purchase, a statement credit will not be issued.<\/li><li>Statement credits are applied toward your Card Account statement balance, and not toward your minimum payment due. The required minimum payment reflected on your Card Account statement must be paid pursuant to the terms of your Card Agreement.<\/li><li>The purchase and corresponding statement credit may appear in different statement cycles.<\/li><li>If a statement credit is not issued or is delayed, and a purchase made using&nbsp;Points for statement credits incurs any interest or fees, You agree that Citibank has no liability to You.<\/li><li>Returns and refunds are subject to the Participating Partner&rsquo;s return policy, which may include restocking fees.<\/li><li>If You return a purchase made using Points for statement credits, any associated statement credit will remain on your Card Account and your Points will not be returned.<\/li><li>We may set minimum and/or maximum Points redemption requirements for&nbsp;Points for statement credits at any time.<\/li><li>We have the right to change the Points to dollar conversion rate for&nbsp;Points for statement credits at any time.<\/li><li>We may modify or terminate&nbsp;Points for statement credits at any time without notice.<\/li><\/ul><\/li><\/ul><ul class=\"terms-list-level-2\"><li><strong><em>Points Transfer. <\/em><\/strong>You can redeem Points by transferring Points to participating travel loyalty programs. Eligibility depends on your Card Product. Learn more at thankyou.com/transfer.<\/li><li><strong><em>Pay with Points. <\/em><\/strong>You can redeem Points for a statement credit to cover all or part of recent purchases made in certain categories. Eligibility depends on your Card Product.<\/li><\/ul><ul class=\"terms-list-level-2\"><li id=\"RewardRedempCharitable\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Charitable Contributions.<\/em><\/strong> You can redeem Points for a check made payable to a charity listed on <strong><a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a><\/strong>. Please refer to the Charitable Contributions page on <strong><a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a><\/strong> for available denominations.<ul class=\"terms-list-level-3\"><li><em><strong>Shipping and Confirmation.<\/strong><\/em> A check including your charitable contribution is sent via USPS First-Class<sup>&reg;<\/sup> Mail directly to the charity, and You should receive a written confirmation letter within one (1) to three (3) weeks of redemption. If You don't receive the letter within that time, please let us know.<\/li><li><strong><em>Participating Charities.<\/em><\/strong> Participating charities are subject to change. We may discontinue our relationship with any charity, at any time, without notice.<\/li><li><strong><em>Taxes.<\/em><\/strong> Consult your tax advisor to determine if your redemption of Points toward a charitable contribution is tax deductible.<\/li><\/ul><\/li><li id=\"RewardRedempStatementCredit\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Statement Credit for Card Accounts.<\/em><\/strong> You can redeem Points for a statement credit in any denomination, which will be applied to your Card Account. <strong>You must still make the required minimum payment due on your Card Account.<\/strong>&nbsp; You&rsquo;ll receive a confirmation letter within one (1) to three (3) weeks of redemption, and your statement credit should appear within two (2) billing cycles after You redeem your Points. <strong>Statement credits may not be canceled<\/strong><strong>.<\/strong><\/li><li id=\"RewardRedempDirectDeposit\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Direct Deposits for Card Accounts.<\/em><\/strong> You can redeem any number of available Points for cash that will be directly deposited to your Citi savings or checking account or a verified non-Citi savings or checking account. Verification of non-Citi savings or checking accounts requires the successful payment of the Card Account with the non-Citi savings or checking account at least two times in the previous six months in a qualifying manner determined by Citi. We may also be able to verify a non-Citi checking or savings account using external service providers. Non-Citi savings or checking account verification is subject to terms and conditions that you must accept when choosing direct deposit to a non-Citi checking or savings account.<\/li><li id=\"RewardRedempCashRewards\" data-category-id=\"3\" data-subcategory-id=\"2\"><em><strong>Cash Rewards.<\/strong><\/em> You can redeem Points for a check made payable to You. The minimum redemption amount for a check is $5. <strong>Checks are valid for one hundred eighty (180) days.<\/strong><ul class=\"terms-list-level-3\"><li><em><strong>Shipping and Confirmation.<\/strong><\/em> Your Cash Rewards confirmation letter and check are sent only to your address on record via USPS First-Class<sup>&reg;<\/sup> Mail within one (1) to three (3) weeks of redemption.<\/li><li><em><strong>Cancellations.<\/strong><\/em> All Cash Rewards redemptions are final. Points redeemed for Cash Rewards can't be returned unless we cancel the check and a stop payment is placed, resulting in a return order status and automatic reinstatement of your Points. Please note that a check may be canceled if, for example, there was a misspelling on the check or You never received it. You must call us if You don't receive your Cash Rewards check ten (10) days after shipment. You can find the shipping date on the order history page for your ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>, or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><\/ul><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Certain Rewards, such as a statement credit for a Card Account, will reduce the balance on your Card Account, but aren&rsquo;t considered a payment. You must still make the minimum payment due each month, even if the amount of the Reward is greater than the minimum payment due.<\/div>","subHeadingId":2},{"subHeading":"Travel","link":"Travel","termsContent":"<ul class=\"terms-list-level-2\"><li><strong><em>Citi Travel<sup>&reg;<\/sup><\/em><\/strong> provides travel-related Rewards, which is powered by Rocket Travel by Agoda (&ldquo;Rocket Travel Inc.&rdquo;), a service partner for the Program. You can redeem Points through Citi Travel for airfare, hotels, car rentals, attractions and other travel, if applicable. The terms and conditions included below are only some of the terms and conditions that apply to Citi Travel. You can find a complete list of travel terms and conditions on <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a>. Please review them carefully before redeeming for a Reward.<ul class=\"terms-list-level-3\"><li><strong><em>Contacting the Citi Travel service center<\/em><\/strong><ul class=\"terms-list-level-5\"><li><strong><em>Online.<\/em><\/strong> Travel bookings can be made through Citi Travel. All travel bookings require the use of a Citi eligible credit card or Points from an eligible ThankYou Rewards account.<\/li><li><strong><em>Calling the Citi Travel service center.<\/em><\/strong> Travel bookings can also be made by calling the Citi Travel service center at 1-833-737-1288 (TTY: We accept 711 or other Relay Service). All travel bookings require the use of a Citi eligible credit card or Points from an eligible ThankYou Rewards account.<\/li><\/ul><\/li><\/ul><ul class=\"terms-list-level-3\"><li><strong><em>Points Redemption.<\/em><\/strong> The number of Points required for travel Rewards varies based on a combination of factors including itinerary, date and time of travel. You may redeem for travel Rewards using a combination of Points and dollars. The total number of Points required for a travel Reward will include payment of any taxes, fees and surcharges applicable to that Reward. Taxes, fees and surcharges on travel Rewards may change at any time without notice.<\/li><li><strong><em>Confirmation.<\/em><\/strong> No Point amount, travel Rewards availability, or times of travel are confirmed until the required number of Points have been deducted, and the tickets or travel documents have been issued.<\/li><\/ul><\/li><li><strong><em>Travel Rewards Overview.<\/em><\/strong> Travel Rewards include airline tickets, hotel accommodations, rental cars, and attractions (\"<strong>Travel Rewards<\/strong>\"). Travel Rewards reservations can be made online at thankyou.com or by calling the Citi Travel service center. All Travel Rewards are subject to availability and restrictions of the relevant Supplier. Travel Rewards may not be booked for minors traveling unaccompanied by an adult. ThankYou Rewards has the final authority on all decisions regarding Travel Rewards ticketing, pricing and availability and the interpretation of these Travel Rewards Terms and Conditions.<\/li><li><strong><em>Travel Rewards Information.<\/em><\/strong> The Point-cost of ThankYou Travel Rewards are based on variable amounts. These amounts are based on a combination of factors including itinerary, date and time of travel, and dollar value of travel. The amount of ThankYou Points needed for these Travel Rewards can be researched on thankyou.com. The following guidelines apply to these Travel Rewards:<ul class=\"terms-list-level-3\"><li>No blackout dates<\/li><li>Taxes, fees and surcharges that are collectible by Rocket Travel Inc. are included in the number of ThankYou Points required. Taxes, fees and surcharges are subject to change without notice.<\/li><li>Airline, hotel, car rental, vacation, and attraction/excursion company participation may vary from market to market.<\/li><li>The Citi Travel service center does not hold Travel Rewards reservations.<\/li><li>All bookings made by Rocket Travel Inc. shall comply with all applicable U.S. laws, rules and regulations including, without limitation, sanctions issued by the Office of Foreign Assets Control. Such sanctions may prevent Rocket Travel Inc. from offering travel to specific destinations or individuals. To assist Rocket Travel Inc. with its compliance with laws, rules and regulations, Rocket Travel Inc. may ask You for additional information. Any booking made, or in good faith believed to be made, in violation of U.S. law, will be cancelled by Rocket Travel Inc., in its sole discretion, with no liability to You other than to issue a refund, if permitted by law.<\/li><\/ul><\/li><li><strong> <em>Travel Rewards Point Deductions and Payment Options.<\/em> <\/strong> Redeemed ThankYou Points will be deducted from your ThankYou Member Account at the time of booking. No ThankYou Point amounts, Travel Rewards availability, or dates of travel are confirmed until the required number of ThankYou Points have been deducted, and the tickets or travel documents have been issued. ThankYou Members have the option to redeem for Travel Rewards using a combination of ThankYou Points and their eligible Citi credit card. Additional Travel Reward options not offered through Rocket Travel Inc. may be available through other merchants participating in ThankYou Rewards. These additional Travel Rewards options are not affiliated with or offered through Rocket Travel Inc.<\/li><li><strong><em>Redemptions and Transactions made with Citi Travel<\/em><\/strong><p>All transactions are NON REFUNDABLE and NON CHANGEABLE unless permitted by the terms disclosed at time of booking. You can find a complete list of travel terms and conditions on <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a>. No shows are non-refundable and will result in a forfeiture of all payments made and Points used by You in connection with the reservation, without credit due.<\/p><p>A small number of air carriers may require Rocket Travel Inc. to confirm flight availability when booking. If there is any issue with availability, you will receive an email regarding the status of your booking.<\/p><\/li><li><strong><em>Travel Rewards Details. <\/em><\/strong>Travel Rewards cannot be redeemed for cash and have no cash value. Travel Rewards have no residual cash value. Travel Rewards cannot be combined with any other certificates, coupons, discounts, upgrades, awards or promo codes. Travel Rewards are offered as promotional items and are void if sold for cash or other consideration, or if altered or copied, and cannot be reissued if destroyed, lost or stolen. Frequent flyer mileage accrual, usage and upgrades may not be used with Travel Rewards. Travel Rewards are not valid where prohibited by law.<\/li><li><strong> <em>Travel Changes by You.<\/em> <\/strong> All airline tickets, hotel, car rental, vacation packages and attractions booked in exchange for ThankYou Points are nonrefundable, nonendorsable and nontransferable. Changes to bookings are subject to the Supplier&rsquo;s policies, and the fees and conditions described in these terms and conditions. Any additional costs due to a permitted change are your responsibility and will be collected in U.S. dollars, not ThankYou Points, with a credit card in the name of the ThankYou Member. Any change, cancellation or additional collection fees imposed by the airline, hotel, car rental company, or activity provider are the responsibility of the traveler.<\/li><li><strong> <em>Travel Changes and Cancellations by the Supplier.<\/em> <\/strong> Airline, hotel, car rental, and tour operator schedules, terms, points of service and fares are subject to change without notice by the Suppliers. Airline schedule changes, flight cancellations and interruptions, oversold flights, hotels, and attractions are outside of the control of Rocket Travel Inc. and ThankYou Rewards. These situations must be remedied by the applicable travel Supplier and may be subject to Federal or State Regulations. If an airline declares bankruptcy, it is not obligated to carry You or to refund tickets issued before the bankruptcy. Rocket Travel Inc. is not allowed to refund tickets on airlines that have declared bankruptcy. ThankYou Points redeemed for Travel Rewards or money given to Rocket Travel Inc. immediately becomes the property of the airline and ThankYou Rewards and Rocket Travel Inc. is required by law to comply with the airline's orders.<\/li><li><strong> <em>Liability Disclaimer. <\/em> <\/strong>Rocket Travel Inc. acts only as an agent for the Supplier in regards to travel and the travel-related services, and assumes no liability for injury, damage, loss, accident, delay or irregularity which may be caused due to defects in the travel products, acts of God, war, riots, or by any company or person involved in carrying out travel arrangements. Rocket Travel Inc. reserves the right to accept minor adjustments to the booking confirmation provided by the Supplier, where applicable. In the event of the Supplier cancels a booking prior to departure, a full refund will constitute a full settlement of all liability. To the extent applicable, a passenger's ticket(s), when issued, or electronic reservation, shall constitute the sole contract between the Supplier and the purchaser and/or passenger, and Rocket Travel Inc. shall have no liability for any actions or omissions of the Supplier. Rocket Travel Inc. is not responsible for any changes initiated by the passenger after departure.<\/li><li><strong><em>Contacting Rocket Travel, Inc.<\/em><\/strong><p>If there are any questions regarding Rocket Travel, Inc.&rsquo;s full terms and conditions, please visit <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a><br>Rocket Travel, Inc.<br>641 West Lake Street, Ste. 102<br>Chicago, IL 60661<br>Email: <a href=\"&quot;mailto:concierge@rocketmiles.com\">concierge@rocketmiles.com<\/a><\/p><\/li><li><strong><em>Seller of Travel Registration Numbers <\/em><\/strong> Agoda International USA LLC, part of the Booking Holdings Inc. group of companies, and its relevant affiliates, including Rocket Travel Inc., facilitates the booking of the travel arrangements for You on behalf of Citi Travel. State Seller of Travel registration numbers (or equivalent) for Agoda International USA LLC in the states that require registration are: California (#2149788-50) (registration as a Seller of Travel does not constitute approval by California; Agoda International USA LLC is not a participant in the Travel Consumer Restitution Fund); Florida (#ST43421); Hawaii (#TAR-7458); and Washington (#604-161-566).<\/li><\/ul>","subHeadingId":3}],"link":"","headingId":3},{"termsHeading":"Gift Card Terms & Conditions","subHeadingType":{"subHeading":"GIFT CARD TERMS & CONDITIONS","link":"GiftCardTC","termsContent":"<p><strong><em>Gift cards/certificates:<\/em><\/strong> Gift cards/certificates are subject to the terms and conditions set by the merchant who issues the gift card/certificate. Citibank is in no way affiliated with the issuers of the gift cards/certificates nor are they considered sponsors or co-sponsors of ThankYou Rewards. Any use of the merchant names and/or logos is by permission of each respective merchant and all trademarks are the property of their respective owners. For expiration policies and non-usage fees, if any, please refer to the specific merchant&rsquo;s product information page or contact the ThankYou Service Center via 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service). Gift cards/certificates may not be returned, unless damaged or defective.<\/p><p><strong><em>eGift cards/certificates: <\/em><\/strong>eGift cards/certificates allow You to send gift cards/certificates virtually, either by email or text message, instantly or on the date You choose. Text messaging and data rates may apply. When You redeem ThankYou Rewards for a gift card/certificate, we will send you a confirmation email including a link to send the gift card/certificate digitally. Like physical gift cards/certificates, eGift cards/certificates are subject to the additional terms and conditions set by the issuing merchant, which You can find on thankyou.com.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Delivery of physical gift cards/gift certificates.<\/em><\/strong><br>Physical gift cards and gift certificate Rewards are delivered to P.O. boxes and shipping addresses in the United States and its 5 major U.S. Territories (American Samoa, Guam, Northern Mariana Islands, Puerto Rico and U.S. Virgin Islands) unless otherwise noted on the item detail page or at checkout. Allow one (1) to three (3) weeks for shipment. If You haven't received your gift card/gift certificate Reward within ten (10) days after the shipped date, please let us know. You must contact us within one hundred twenty (120) days of your order date if You have not received your gift card/gift certificate. You can do so either by accessing the 'Order History' section under 'My Account' at thankyou.com, and then clicking 'Return Order' or by calling us at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><li><strong><em>Delivery of eGift cards/gift certificates.<\/em><\/strong><br>eGift cards/certificates and any other virtual Rewards are deliverable only to valid email addresses and telephone numbers. If You do not provide a valid email address or telephone number, then we will not be able to deliver the eGift card/certificate to Your intended recipient or the eGift card/certificate may be sent to an unintended recipient. Citibank will not replace or refund eGift cards/certificates sent to an unintended recipient due to an incorrect email address or telephone number.<\/li><li><strong><em>Cancellation of gift cards/gift certificates.<\/em><\/strong><br><ul class=\"terms-list-level-3\"><li><strong>Physical gift cards/gift certificates. <\/strong> Only some orders of physical gift cards/gift certificates may be canceled. We'll let You know on the Order History page if You can cancel your order. You may return a physical gift cards/gift certificates due to a defect or damaged shipment by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) and following the customer service agent's instructions.<\/li><li><strong>eGift cards/gift certificates.<\/strong> You can't cancel, return or exchange e-cards or e-certificates.<\/li><\/ul><\/li><\/ul><p>&nbsp;<\/p>","subHeadingId":1},"link":"","headingId":4},{"termsHeading":"Points Expiration, Suspension and Forfeiture","subHeadingType":[{"subHeading":"Points Expiration","link":"PntExpSusFor","termsContent":"<p>This section tells You if, when and how your Points may expire.<\/p><ul class=\"terms-list-level-2\"><li><p><strong>Expiration of Points Acquired through Your Citi Account.<\/strong> Points You earn using your Citi Account generally will not expire. There may be exceptions depending on the type of Citi Account You have. See the chart below for more information.<\/p><\/li><\/ul><table class=\"terms-list-table table-columns-halves\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th>If You earned Points <br>using this Citi Account...<\/th><th>Then...<\/th><\/tr><tr><td><ul class=\"credit-card-point-list\"><li><strong>Former PremierPass Card Accounts<\/strong><\/li><\/ul><\/td><td>If You earned Points through purchases with a PremierPass Card Account, and then we gave You a Citi Strata Card Account instead, Points earned through purchases with your former Card Account will expire at the natural expiration per the terms of the original Card Account.<\/td><\/tr><tr><td><ul class=\"credit-card-point-list\"><li><strong>Former AT&amp;T Universal Business Rewards Card, CitiBusiness Card with ThankYou Rewards, and CitiBusiness World Card with ThankYou Rewards cards<\/strong><\/li><\/ul><\/td><td><p>If you earned Points through purchases with one of these accounts, and then we gave you a CitiBusiness ThankYou Card instead, Points earned through purchases with your former Card Account will expire at the natural expiration per the terms of the original Card Account.<\/p><\/td><\/tr><tr><td><ul class=\"credit-card-point-list\"><li><strong>Former Citi Platinum with ThankYou Rewards Card Accounts, Citi Simplicity Rewards Card Accounts and Diamond Preferred Rewards Card Accounts<\/strong><\/li><\/ul><\/td><td><p>If You earned Points through purchases with one of these accounts, and then we gave You a Citi ThankYou Preferred Card Account or Citi Strata Premier Card Account instead, Points earned through purchases with your former Card Account will expire five (5) years from December 31 of the year You earned them. For example, Points earned on July 31, 2024, will expire December 31, 2029.<\/p><\/td><\/tr><tr><td><ul class=\"credit-card-point-list\"><li><strong>Former PremierPass Card Accounts<\/strong><\/li><\/ul><\/td><td><p>If You earned Points through purchases with a Premier Pass Card Account, and then we gave You a Citi ThankYou Preferred Card Account or Citi Strata Premier Card Account instead, Points earned through purchases with your former Card Account will expire at the natural expiration per the terms of the original Card Account.<\/p><\/td><\/tr><tr><td><ul class=\"credit-card-point-list\"><li><strong>Former Citi Forward Cards<\/strong><\/li><\/ul><\/td><td><p>Points earned through June 3, 2016 will expire in five (5) years from the end of the month in which they are earned.<\/p><\/td><\/tr><tr><td><ul class=\"credit-card-point-list\"><li><strong>AT&amp;T Universal Card<\/strong><\/li><li><strong>AT&amp;T Universal Rewards Card<\/strong><\/li><li><strong>AT&amp;T Universal Savings and Rewards Card<\/strong><\/li><\/ul><\/td><td>Your Points will expire five (5) years from December 31 of the year You earned them. For example, Points earned on July 31, 2024, will expire December 31, 2029.<\/td><\/tr><tr><td><ul class=\"credit-card-point-list\"><li><strong>Citi Professional with ThankYou<sup>&reg;<\/sup> Rewards<\/strong><\/li><\/ul><\/td><td>Your Points will expire three (3) years from December 31 of the year You earned them. For example, Points earned on July 31, 2024, will expire December 31, 2027.<\/td><\/tr><tr><td><ul class=\"credit-card-point-list\"><li><strong>Citibank Checking Accounts<\/strong><\/li><\/ul><\/td><td>Your Points will expire three (3) years from December 31 of the year You earned them. For example, Points earned on July 31, 2024, will expire December 31, 2027.<\/td><\/tr><\/tbody><\/table><ul class=\"terms-list-level-2\"><li><em><strong>Expiration of Points Received through Point Sharing<\/strong><\/em> Shared points expire ninety (90) days after the date You or another Member shared them. For example, Points shared on January 15, 2024, will expire April 15, 2024. <i>Effective May 17, 2026, <em>Point Sharing will no longer be offered as a ThankYou<sup>&reg;<\/sup> Rewards redemption option.<\/em><\/i><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>If You have Points that expire, when You redeem your Points for a Reward, we'll deduct the Points with the earliest expiration date first from your ThankYou Account. Find out if any Points will expire in the next sixty (60) days by visiting <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> and looking under \"My Points Summary\" in the \"My Account\" section. You can also call the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/div>","subHeadingId":1},{"subHeading":"Loss Or Suspension Of Points","link":"LossSusPoints","termsContent":"<p>This section tells You how Points you&rsquo;ve already earned or received may be lost or suspended.<\/p><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong>When Your Card Account or Citibank Checking Account is Closed or Converted<\/strong><\/h3><p>How your Citi Account was closed or converted determines how long You have to use Points associated with your Citi Account.&nbsp;<\/p><p>If You have multiple Citi Accounts associated with only one ThankYou Account at the time one of your Citi Accounts is closed or converted to a Citi credit card or Citibank checking account that does not participate in the ThankYou Program, You will lose only the Points that You earned with the closed or converted Card Account or Citibank Checking Account, unless prohibited by law.<\/p><ul class=\"terms-list-level-2\"><li><strong>You Close Your Citi Account or Convert Your Citi Account to an account that does not participate in the ThankYou Program<\/strong><strong>. <\/strong>If You voluntarily close your Citi Account enrolled in the Program, or convert your Citi Account to an account that does not participate in the Program, You must use the Points within ninety (90) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account.<\/li><li><strong>We Close Your Card Account Due to Inactivity or Convert Your Card Account to a card that does not participate in the ThankYou Program<\/strong>. If we close your Card Account due to inactivity, or otherwise convert your Card Account to a card that does not participate in the Program, You must use the Points within ninety (90) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account.<\/li><li><strong>We Close Your Citi Account for any other Reason<\/strong>. If we close your Citi Account for any reason other than inactivity, You will lose your Points immediately, unless prohibited by law.<\/li><li><strong>Limited Online Access<\/strong>. When your Citi Account is closed or converted to an account that does not participate in the ThankYou Program, You will lose access to your ThankYou Account online unless You have one or more open Citi Accounts that participates in the ThankYou Program. You may redeem your Points by contacting the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><li><strong>Limited Rewards Options<\/strong>. Some rewards options require You to have an eligible open Citi Account. When your Citi Account is closed or converted to an account that does not participate in the ThankYou Program, some redemption options may be limited or ineligible such as:<ul class=\"terms-list-level-3\"><li>Rewards that require an open Card Account that participates in the ThankYou Program, or<\/li><li>Rewards that require an open Citibank Checking Account that participates in the ThankYou Program.<\/li><\/ul><\/li><\/ul><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong>When Your ThankYou Account is Closed<\/strong><\/h3><p>Your ThankYou Account may be closed when there are no open Citi Accounts associated with your ThankYou Account, You request to close your ThankYou Account, or your ThankYou Account is closed due to Fraud, Misuse, Abuse or Suspicious Activity.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>All Your Citi Accounts Are Closed<\/em><\/strong>. When your Citi Account closes, and if You have no other open Citi Accounts associated with your ThankYou Account, we will close your ThankYou Account.<\/li><li><strong>When Your ThankYou Account Closes<\/strong>. If You have Points, and your ThankYou Account is closed for any reason, You will lose them immediately, unless prohibited by law.<\/li><li><strong><em>We Cancel the Program<\/em><\/strong>. If the Program is canceled, you&rsquo;ll have ninety (90) days from the Program&rsquo;s cancellation date, or, if required by law, from notification of Program cancellation, to redeem your Points. After ninety (90) days, you&rsquo;ll lose any remaining Points.<\/li><li><strong><em>Losing Points Due to Change in or Failure to Confirm U.S. Tax Status<\/em><\/strong>. To participate in the Program through use of a Citibank Checking Account You must be, and continue to be, a U.S. person under IRS regulations (i.e., a citizen or resident alien of the United States) with a valid Social Security or tax identification number and certification of U.S. tax status. If You provide us with a Certificate of Foreign Status, we&rsquo;ll disenroll your Citibank Checking Account, and you&rsquo;ll lose the Points You earned with that account. We may also request that You confirm your status as a U.S. person or correct a missing or incomplete Social Security or tax identification number. If You don&rsquo;t provide us with verification of this information in the form we request in a timely manner, we&rsquo;ll disenroll your Citibank Checking Account from the Program, and you&rsquo;ll lose the Points earned with that account.<\/li><li><strong><em>Point Suspension Due to U.S. Backup Withholding Tax. <\/em><\/strong>If You participate in the Program through use of a Citibank Checking Account, we may suspend your ability to use Points if we believe that payments made to You using your Points are subject to U.S. backup withholding tax.<\/li><li><strong><em>Temporary Point Suspension for Late Payment<\/em><\/strong><strong>. <\/strong>If You make a late payment on your Card Account You may not be allowed to redeem Points You earned through that Card Account until it is current, and You request that we reinstate those Points. You can make this request on <strong>thankyou.com <\/strong>or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><li><strong><em>Loss upon Death. <\/em><\/strong>You will lose your Points upon your death, and your estate, successors and assigns have no property rights or other legal interests in such Points, except under these circumstances<strong><em>:<\/em><\/strong><ul class=\"terms-list-level-2\"><li><strong><em>Cash Rewards Option<\/em><\/strong>. If we receive a written request within one (1) year of your death from the executor or administrator of your estate, along with evidence satisfactory to us of your death and the identity and appointment of the executor or administrator, we can allow Points remaining in your ThankYou account to be redeemed for Cash Rewards. Only a lawfully designated executor or administrator may redeem Points on behalf of the deceased. Contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) for more information.<\/li><\/ul><\/li><\/ul>","subHeadingId":2}],"link":"","headingId":5},{"termsHeading":"Changes to these terms and Other Important Information","subHeadingType":[{"subHeading":"Changes To This Agreement Or To The Program","link":"ChngImpInfo","termsContent":"<p>This section tells You when and how we may change this Agreement and the Program.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Changes without Notice.<\/em><\/strong> We may make changes to the Program and/or the terms of this Agreement at any time, and if required by law, we will provide 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 <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>.<\/li><li><strong><em>Changes with Notice. <\/em><\/strong>We'll give You thirty (30) days' advance written notice if we make any of the following changes:<ul class=\"terms-list-level-3\"><li>A change that negatively affects the number of Points You can earn<\/li><li>A change that negatively affects when your Points expire or how/when You may lose Points<\/li><li>A change in how You can exercise your rights under this Agreement<\/li><li>If we cancel the Program<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"Fraud, Misuse And Abuse; Other Important Information","link":"OthrImpInformation","termsContent":"<p>This section tells You that we may take action in response to account fraud, misuse or abuse, including taking away Points and suspending or closing your account. This section also tells You more about the Program and your rights under this Agreement, including information about how we may contact You.<\/p><ul class=\"terms-list-level-2\"><li><p><strong><em>Fraud, Misuse, Abuse, or Suspicious Activity<\/em><\/strong>. 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:<\/p><ul class=\"terms-list-level-3\"><li>Taking away your accrued Points<\/li><li>Stopping You from earning Points<\/li><li>Suspending or closing your Citi Account or ThankYou Account<\/li><li>Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages<\/li><li>Cancelling your Card Account<\/li><\/ul><\/li><li><p><strong><em>Some examples of fraud, misuse, abuse and suspicious activity include:<\/em><\/strong><\/p><ul class=\"terms-list-level-3\"><li>Buying or selling Points<\/li><li>Repeatedly opening Card Accounts for the primary purpose of acquiring Points<\/li><li>Using your Card Accounts in an abusive manner for the primary purpose of acquiring Points<\/li><li>Using your personal Card Account other than primarily for personal, consumer or household purposes<\/li><li>Using your business Card Account other than primarily for business or commercial purposes<\/li><li>Points redemptions that You didn't authorize<\/li><\/ul>Please contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) immediately if You suspect your ThankYou Account is the target of fraud or suspicious activity.<\/li><li><strong><em>No Cash Value.<\/em><\/strong> Points have no cash value.<\/li><li><strong><em>No Property Rights. <\/em><\/strong>You have no property rights or other legal interests in Points. By operation of law, You can't transfer Points through such events as an inheritance, bankruptcy or a divorce. Points also can't be assigned or pledged.<\/li><li><strong><em>Disputes Between Member and Other Persons. <\/em><\/strong>We're not responsible for disputes between joint owners of a Citibank Checking Account or a customer and a third party involving Points or any other aspect of the Program.<\/li><li><strong><em>Indemnity.<\/em><\/strong> You agree to indemnify us and our third-party service providers, and all of our and their respective affiliates, directors, officers, employees, agents and contractors, and hold us and them harmless from and against any loss, damage, liability, cost or expense of any kind (including attorneys' fees) arising from our or an authorized user's use of the Program, any fraud, misuse or abuse of the Program, violation of this Agreement and/or violation of any applicable law or the rights of any third party.<\/li><li><strong><em>Limitation on Liability.<\/em><\/strong> You release us, our third-party service providers, and our and their respective affiliates, directors, officers, employees, agents and contractors, for your participation in the Program, including in connection with earning Points, redeeming Points for Rewards and using Rewards, the expiration and forfeiture of Points and changes to or cancellation of the Program. The third-party service providers, including merchants and contractors, that participate in the Program aren't affiliated with us, and we and our affiliates, directors, officers, employees and agents aren't responsible for, and You release us from, any liability arising in connection with products and services provided by those third-party service providers, including Rewards and/or any such services provided in connection with Rewards, such as delivery or servicing.<\/li><li><strong><em>Void Where Prohibited by Law. <\/em><\/strong>The Program and/or any feature of the Program are void where prohibited by federal, state or local law or regulation and are subject to change as necessary to comply with law or regulation.<\/li><li><strong><em>Notices and Communications.<\/em><\/strong> We may send communications about the Program to You at any mailing or email address on our records or through our online services. You agree that we (and/or our service providers or anyone we authorize) may contact You at any phone number, email address or mailing address You provide or we obtain in other ways. This includes communications to mobile, cellular/wireless, or similar devices. We may contact You by live operator, auto-dialer, recorded or artificial voice, text or email. You agree to pay any charges from your plan provider for communications we send to You, as well as communications You send to us. We may use voice recognition technology to verify your identity when You call. We may capture and store your voiceprint for this purpose.<\/li><li><strong><em>Severability -<\/em><\/strong> Unless otherwise stated, if any of the provisions of this Agreement are determined to be void or invalid, the remainder of the agreement shall remain in full force and effect.<\/li><\/ul>","subHeadingId":2},{"subHeading":"Incorporation Of Citi Account Terms And Conditions","link":"IncAccTC","termsContent":"<p>This section tells You that certain terms in your Citi Account agreement also apply to this Agreement.<\/p><ul class=\"terms-list-level-2\"><li>The agreement governing your Citi Account is incorporated into this Agreement for purposes of governing law, enforcement rights and dispute resolution, including any arbitration provision contained in it. <strong>Read your applicable Citi Account agreement for these important provisions. In the case of Card Accounts, read your Card Agreement. In the case of Citibank Checking Accounts, read your Citibank Client Manual-Consumer Accounts.<\/strong><\/li><\/ul>","subHeadingId":3}],"link":"","headingId":6}],"introTitle":"Citi ThankYou<sup>&reg;<\/sup> Rewards Terms & Conditions"},"attributes":{"languagecode":"ENG","userState":"A, C, L, O","countrycode":"US","annonymous":"","tiercode":"CITIBUSITY, CTHNKYUATT, CTHNKYUCD, CTHNKYUPCD, CTHNKYUPMC, CTHNKYUPSC, DBLCASH, REWARDPLUS, THANKU, THANKUCORP, THANKUPLUS, THANKUYOUT, THKSEARSNF, THKSEARSWF","defaultcontent":"","sourcecode":"THANKU"},"rules":{"placeHolderZoneID":"MODULE1","displayPriority":3,"startdate":"","expirationdate":""},"custom-cash":{"headingType":"To read the ThankYou Rewards Terms and Conditions for Citi<sup>&reg;<\/sup> credit cards and consumer Citibank<sup>&reg;<\/sup> checking accounts select from the drop down below.","termsContentType":[{"termsHeading":"Agreement, Definitions and Accounts","subHeadingType":[{"subHeading":"Information about this agreement and definitions","link":"Infoagreement","termsContent":"<p>Last Updated: September 2026<\/p><p>This section tells You what this Agreement governs and how it&rsquo;s structured. This section also defines certain terms used throughout this Agreement.<\/p><ul class=\"terms-list-level-2\"><li><strong> <em>This Agreement.<\/em> <\/strong> This Agreement is between You and Citibank. You accept the terms of this Agreement when You earn or redeem Points by continued use of your Card Account. This Agreement replaces any previous versions of terms and conditions governing ThankYou Points associated with your Card Account and the Program. From time to time, we may give You additional terms and conditions associated with the Program. They&rsquo;ll be considered part of this Agreement. If You have a Citi Account other than your Card Account, please see the ThankYou Rewards Program terms and conditions that were provided to You in connection with that other Citi Account.<\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>In the blue boxes throughout this Agreement are helpful tips and additional information about the ThankYou Program.<\/div><ul class=\"terms-list-level-2\"><li><strong> <em>Definitions.<\/em> <\/strong> The following terms, when used in this Agreement, have the meanings below:<ul class=\"terms-list-level-3\"><li><strong>Agreement<\/strong> &ndash; Refers to the entire Citi ThankYou Rewards terms and conditions.<\/li><li><strong>Card Account<\/strong> &ndash; A Citi Custom Cash credit card account issued in the United States by Citibank.<\/li><li><strong>Citi Accounts<\/strong> &ndash; An account associated with a Citibank product or service, such as a Card Account or a Citibank checking account, that participates in the Program.<\/li><li><strong>Citibank, we, us<\/strong> and <strong>our<\/strong> &ndash; Citibank, N.A.<\/li><li><strong>Member(s)<\/strong> &ndash; A participant in the Program.<\/li><li><strong>Participating Partner<\/strong> &ndash; Businesses with whom Citibank, or a third party on behalf of Citibank, partners with respect to the Program, including retailers and merchants that participate in the Program.<\/li><li><strong>Point(s)<\/strong> &ndash; Loyalty points provided through the Program.<\/li><li><strong>Program<\/strong> &ndash; The Citi ThankYou Rewards loyalty program.<\/li><li><em><strong>Supplier <\/strong><\/em>&ndash; Businesses that provide travel services, including airlines, hotels, car rental companies, and attractions.<\/li><li><strong>Reward(s)<\/strong> &ndash; Items, services, credits, cash and cash equivalents or other offerings for which Points can be redeemed through the Program.<\/li><li><strong>Shop with Points<\/strong> &ndash; ThankYou members with an eligible Citi credit card can use ThankYou Points at participating partners.<\/li><li><strong>ThankYou Account<\/strong> &ndash; A Program account set up for a Member to keep track of Point activity, including information about when and how the Member receives and redeems Points, and through which a Member may redeem Points.<\/li><li><strong>You<\/strong> and <strong>your<\/strong> &ndash; You, as a Member.<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"Your Thankyou Account(s)","link":"Thankyouaccount","termsContent":"<p>This section tells You how You may get a ThankYou Account and provides information about managing your account(s).<\/p><ul class=\"terms-list-level-2\"><li><p><strong><em>Setting up a ThankYou Account. <\/em><\/strong>We&rsquo;ll set up a ThankYou Account for your Card Account. If You earn Points with a certain Card Account, Points will be credited to the ThankYou Account that corresponds with that Card Account.<\/p><\/li><li><p><strong><em>Combining Your ThankYou Accounts.<\/em><\/strong> If You have multiple ThankYou Accounts, You can combine them into one ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service). If you combine ThankYou Accounts, the ThankYou Rewards Program terms and conditions will apply to the entire combined account.<\/p><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>You can check your Points balance in the &ldquo;My Point Summary&rdquo; section of &ldquo;My Account&rdquo; at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service). If You think you&rsquo;ve received Points in error or haven&rsquo;t received Points that you&rsquo;ve earned, call the ThankYou Service Center.<\/div>","subHeadingId":2}],"link":"","headingId":1},{"termsHeading":"Acquiring Points","subHeadingType":{"subHeading":"Acquiring Points","link":"AcquiringPoints","termsContent":"<p>This section tells You general rules about how to get Points and describes how Points are earned.<\/p><p>Here&rsquo;s how You can acquire Points:<\/p><ul class=\"terms-list-level-2\"><li><em><strong>Use of Your Card Account.<\/strong><\/em> You can earn Points by using your Card Account as described below.<\/li><li><strong><em>Promotional Offers.<\/em><\/strong> You may be provided with promotional offers that let You earn Points. If we make a promotional offer, we&rsquo;ll let You know the specific terms and conditions that apply.<\/li><li><strong><em>Negative Point Balance.<\/em><\/strong> Subtracting Points from your ThankYou Account (for example, if You return items purchased with your Card Account) can result in a negative Point balance. If this happens, Points You earn after that will be used to bring your balance to zero.<\/li><\/ul><p><strong>Earning Points with Your Card Account<\/strong><\/p><ul class=\"terms-list-level-2\"><li><em><strong>Only Purchases Earn Points.<\/strong><\/em> You&rsquo;ll earn Points for purchases using your Card Account, minus returns and refunds.<\/li><\/ul><p><strong>The following types of transactions don&rsquo;t qualify as purchases that earn Points:<\/strong><\/p><ul class=\"terms-list-level-3\"><li>Use of checks that access your Card Account<\/li><li>Balance transfers<\/li><li>Cash advances<\/li><li>Travelers checks, foreign currency purchases, money orders, wire transfers and similar cash-like transactions<\/li><li>Lottery tickets, gaming chips and similar betting transactions<\/li><li>Interest and account fees<\/li><li>Unauthorized charges<\/li><li>Items returned for credit<\/li><\/ul><p><strong><em>Open and Current Card Account.<\/em><\/strong> You may earn Points as long as your Card Account is open and current.<\/p><p><strong><em>When You Will Receive Points.<\/em><\/strong> 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).<\/p><p><strong><em>Merchant Classification for Rewards Categories.<\/em><\/strong> 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&rsquo;t control the assignment of these codes and are not responsible for the codes used by merchants. When you use your Card Account to make a purchase, we&rsquo;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&rsquo;t grouped into that category, as recognized by Citi, 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 &ndash; 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.<\/p><p class=\"section-divider\"><strong><em>Refer to the chart below to see the number of Points you&rsquo;ll earn using your specific Card Account.<\/em><\/strong><\/p><table class=\"terms-list-table table-columns-halves\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th>Card Account<\/th><th>Earn<\/th><\/tr><tr><td><div class=\"credit-card-label\">Citi Custom Cash<sup>&reg;<\/sup> Card<\/div><img class=\"credit-card-image\" src=\"https://staticcontent.thankyou.com/cms/ty-static/images/points/cards/thumbnails/CBSD-00416_00206.gif\" alt=\"\" width=\"123\" height=\"78\"><\/td><td><p>Unless You are participating in a limited-time offer, You will earn:<\/p><ul class=\"terms-list-level-2\"><li><strong>5 ThankYou Points<\/strong> for each $1 You spend in Your highest eligible 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.)<\/li><\/ul><ul class=\"terms-list-level-2\"><li><strong>1 ThankYou Point<\/strong> for each $1 you spend on purchases (excluding purchases made in Your highest eligible spend category as described above and transactions that do not qualify as purchases that earn Points as described above).<\/li><\/ul><ul class=\"terms-list-level-2\"><li><strong>4 additional ThankYou Points<\/strong> 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).<\/li><\/ul><\/td><\/tr><\/tbody><\/table><p><strong><em>Highest Spend Category:<\/em><\/strong> 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 above. 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.<\/p><p>The following definitions apply to the categories:<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Restaurants<\/h3><p>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.<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Gas Stations<\/h3><p>Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Grocery Stores<\/h3><p>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.<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Select Travel<\/h3><p>Includes airline, hotel, cruise line and travel agency purchases. Excludes timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies.<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Select Transit<\/h3><p>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. Also includes merchants that sell electricity for charging an electric vehicle. Excludes bike/scooter rentals, auto clubs and insurance companies.<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Select Streaming Services<\/h3><p>Includes the following streaming providers: Amazon Prime Video, Apple Music, DirecTV Stream, Disney+, ESPN, Fandango at Home, fuboTV, HBO Max, Hulu, MLB.TV, NBA League Pass, Netflix, Pandora, Paramount+, SiriusXM, Sling TV, Spotify, Starz, Tidal, YouTube Premium and YouTube TV.<\/p><p>A streaming service purchase will not qualify if the charge is bundled with another product, membership, or service; or if it is billed by a third party such as a digital platform or as a purchase inside another streaming service. The above names are trademarks or registered trademarks of their respective owners. Participating streaming services may change at any time. The owners of the above trademarks do not endorse Citibank N.A.&rsquo;s services, and are not otherwise affiliated with Citibank, N.A. or any of its related entities. Citi may use Merchant Category Codes in order to identify qualifying transactions. As a result, the section titled &ldquo;Merchant Classification for Rewards Categories&rdquo; applies to this benefit.<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Drugstores<\/h3><p>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.<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Home Improvement Stores<\/h3><p>Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries &ndash; lawn and garden supply stores and paints, varnishes and supplies stores. Excludes florists and florists&rsquo; supply stores; nursery stock; wholesale construction stores; and glass stores.<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Fitness Clubs<\/h3><p>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.<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Live Entertainment<\/h3><p>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.<\/p><h3 style=\"font-family: InterStateBold; font-size: 14px; font-weight: bold; text-decoration: underline; margin: 0;\">Citi Travel<\/h3><ul class=\"terms-list-level-2\"><li>You will earn 4 additional ThankYou Points for each $1 spent on hotels, car rentals, and attractions when you use your Citi Custom Cash Card to book them with Citi Travel via cititravel.com or 1-833-737-1288 (TTY: We accept 711 or other Relay Services).<\/li><\/ul><ul class=\"terms-list-level-2\"><li>This may overlap with other special offers in which you are currently enrolled.<strong> You must use your Citi Custom Cash Card to make the purchase with Citi Travel.<\/strong><\/li><\/ul><ul class=\"terms-list-level-2\"><li>For bookings made with a combination of points and your Citi Custom 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.<\/li><\/ul>","subHeadingId":1},"link":"","headingId":2},{"termsHeading":"Redemption and Rewards","subHeadingType":[{"subHeading":"REDEMPTION AND REWARDS","link":"REDEMPTIONANDREWARDS","termsContent":"<p>This section tells You how and when You can redeem Points and provides information about delivery, cancellation and return of certain Rewards.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Who May Redeem.<\/em><\/strong> Only You can redeem Points from your ThankYou Account, unless we tell You otherwise. Authorized users whose Card Account is linked to your ThankYou Account may use your Points on websites, mobile applications, and/or at the point of sale of participating Shop with Points merchants.<\/li><\/ul><ul class=\"terms-list-level-2\"><li><strong><em>When Points May Be Redeemed.<\/em><\/strong> Once Points appear in your ThankYou Account, they&rsquo;re available for redemption.<\/li><\/ul><p><strong>Find out what You currently can get with your Points by logging into your ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>.<\/strong><\/p><div class=\"call-out\"><h3>TIP:<\/h3>It&rsquo;s important to protect your online ThankYou Account username and password in the same way You protect other information associated with your Citi Account (such as your account number). Anyone who can access your online account can use your Points to redeem for Rewards and change your personal information.<\/div><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong><em>Additional Information on Redeeming Points<\/em><\/strong><\/h3><ul class=\"terms-list-level-2\"><li><em><strong>Insufficient Point Balance.<\/strong><\/em> If your Point balance falls below the number of Points required to redeem for a Reward after you&rsquo;ve already ordered it (for example, because You returned a purchase), we may stop delivery of that Reward.<\/li><li><strong><em>No Warranties. <\/em><\/strong> Citibank, its affiliates and any merchants participating in the Program make no guarantees, warranties or representations of any kind concerning the Program.<\/li><li><strong><em>No Liability for Rewards. <\/em><\/strong> You release Citibank, its affiliates and any merchants participating in the Program from all liability regarding the redemption and use of Points and Rewards, including any Rewards that are lost, stolen or destroyed after they&rsquo;re received.<\/li><li><strong><em>No Affiliation with Rewards Merchants.<\/em><\/strong> Participating Rewards merchants aren&rsquo;t affiliated with or responsible for administration of the Program.<\/li><li><strong><em>Availability of Rewards.<\/em><\/strong> The availability of any Reward isn&rsquo;t guaranteed.<\/li><li><strong><em>Point Value May Vary.<\/em><\/strong> The value of a Point may vary depending on the Reward for which it&rsquo;s being redeemed. We have the right to change the \"Points to dollar conversion rate\" for Rewards at any time.<\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Even though two Rewards may have the same value in dollars, they may have a different cost in Points.<\/div><ul class=\"terms-list-level-2\"><li><strong><em>Taxes.<\/em><\/strong> The monetary value of a Reward for which You redeem your Points may be considered taxable income from Citibank in the tax year in which You redeem the Points, in accordance with U.S. tax law. Citibank may be required to send You (and file with the IRS) a Form 1099-MISC (Miscellaneous Income) for the year in which You redeem your Points for a Reward when the value of the Reward plus other taxable Miscellaneous Income You receive from Citibank totals $600 or more for a calendar year. We determine the monetary value of Rewards received through your Points redemptions for tax purposes. The value of Rewards received by redeeming certain Points, such as Points received through your Citibank Checking Account and related bonus promotions, is taxable income. The value of Rewards received by redeeming certain other Points, such as Points earned on purchases made with a Card Account, is not taxable income. You&rsquo;re responsible for any personal tax liability due to the receipt of a Reward due to your Point redemption &ndash; consult with your tax advisor.<\/li><\/ul>","subHeadingId":1},{"subHeading":"Certain Reward Options","link":"RewardOptions","termsContent":"<p>This section tells You about certain Rewards available for redemption and explains some of the terms and conditions related to redeeming Points for each of those Rewards.<\/p><ul class=\"terms-list-level-2\"><li><p><strong><em>Reward-Specific Terms and Conditions<\/em><\/strong> <br>Special terms and conditions may apply to certain Rewards. For example, certain Rewards, such as charitable contributions, require You to redeem a minimum number of Points. Merchants may also impose terms and conditions on Rewards &ndash; e.g., limiting your use of a gift card in certain cases. Some of those terms and conditions can be found at <strong><a class=\"plainLink\" href=\"https://thankyou.com\">thankyou.com<\/a><\/strong>. Sometimes, you&rsquo;ll be required to affirmatively accept those terms and conditions when You redeem your Points. Even if You aren&rsquo;t required to do so, by redeeming your Points for that Reward, You acknowledge that you&rsquo;ve read and agreed to the applicable terms and conditions. Please carefully read all terms and conditions before redeeming Points.<\/p><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Additional Rewards not listed below may be available on thankyou.com. Before You redeem Points for one of those Rewards, we&rsquo;ll give You any additional terms and conditions that apply.<\/div><ul class=\"terms-list-level-2\"><li><strong><em>Shop with Points - <\/em><\/strong>You can use ThankYou Points online and in-person at Shop with Points Participating Partners. You can use Shop with Points for Purchases at certain online Participating Partners and for in-person purchases at certain Participating Partners.<\/li><li><strong><em>Shop with Points &ndash; Use Points for purchases.<\/em><\/strong> Citi will deduct the number of Points You redeem for your purchase from your ThankYou Account balance. A Participating Partner may restrict the use of Points for purchases of select items. Citi has the right to change Point to dollar conversion rates at any time. Purchases made with ThankYou Points may be subject to the Participating Partner&rsquo;s return and refund policy, which may include restocking fees. Participating Partner information can be found in the Frequently Asked Questions on thankyou.com. Citi or the Participating Partner may set a fee to redeem points or a minimum Point redemption requirement. If a redemption requirement or fee applies, it will be disclosed to You at the time of redemption. Any authorized users of your Card Account may be able to redeem Points through Shop with Points at Participating Partners.<\/li><li><strong><em>Shop with Points - Use Points for purchases at online Participating Partners.<\/em><\/strong> Participating Partner&rsquo;s terms and conditions apply to purchases using Points at the Participating Partner&rsquo;s website and links to these are available in the FAQs at thankyou.com. Your ThankYou Account balance may not reflect redemptions for pending purchase transactions until the purchase has shipped. You may only participate in Shop with Points at online Participating Partners if You have a Card Account that is current and in good standing.&nbsp; In addition, You must either be auto enrolled or complete the self-registration process, as further explained below.&nbsp; &nbsp;When You are enrolled, Citi will provide the online Participating Partner with information about your ThankYou Account.&nbsp; &nbsp;When You Shop with Points at online Participating Partners, in addition to the foregoing, You also agree to the following terms and conditions:<ul class=\"terms-list-level-3\"><li><em><strong>Auto-enrollment. <\/strong><\/em> You may be automatically enrolled in Shop with Points at online Participating Partners if You have previously added or add a Card Account to the online Participating Partner&rsquo;s account. If You are automatically enrolled, your ThankYou Account will be linked to the online Participating Partner&rsquo;s account using the Card Account in the online Participating Partner&rsquo;s account. In the event You are auto-enrolled, You will receive an email from the online Participating Partner informing You of the auto-enrollment and how to de-enroll if You do not want to participate.<\/li><li><em><strong>Self-registration. <\/strong><\/em> You may enroll in Shop with Points through the self-registration process at online Participating Partners.&nbsp; &nbsp;You may want to self-register if, for example, You would like to participate in Shop with Points before You are auto-enrolled or if You have de-enrolled and later decide You would like to use your Points at online Participating Partners.&nbsp; During the self-registration process, your ThankYou Account will be linked to your account with the online Participating Partner using the Card Account. Following self-registration, You will receive an email from the online Participating Partner confirming your registration and telling You how to de-enroll.<\/li><\/ul><\/li><li><p><strong><em>Shop with Points &ndash; Use Points for in-person purchases at certain Participating Partners. <\/em><\/strong>You can only use Points for in-person purchases at certain Participating Partners if You have a Card Account that is current and in good standing. When you use your Card Account, Citi will provide certain Participating Partners with information about your ThankYou Account in order to determine if your purchase is eligible for Shop with Points. If an in-person purchase is eligible for Shop with Points, You may be presented a redemption offer.&nbsp; You will have the option to accept or decline to use Points for in-person purchases at certain Participating Partners. If you do not want to receive a redemption offer at a certain Participating Partner, visit the Shop with Points Accounts section of thankyou.com or call the ThankYou Service Center at 1-800-ThankYou (1-800-842-6596) (TTY: We accept 711 or other Relay Service) to opt out.<\/p><\/li><li><strong><em>Points Transfer. <\/em><\/strong>You can redeem Points by transferring Points to participating travel loyalty programs. Eligibility depends on your Card Product. Learn more at thankyou.com/transfer.<\/li><li id=\"RewardRedempCharitable\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Charitable Contributions.<\/em><\/strong> You can redeem Points for a check made payable to a charity listed on <strong><a class=\"plainLink\" href=\"https://thankyou.com\">thankyou.com<\/a><\/strong>. Please refer to the Charitable Contributions page on <strong><a class=\"plainLink\" href=\"https://thankyou.com\">thankyou.com<\/a><\/strong> for available denominations.<ul class=\"terms-list-level-3\"><li><em><strong>Shipping and Confirmation. <\/strong><\/em>A check including your charitable contribution check is sent via USPS First-Class<sup>&reg;<\/sup> Mail directly to the charity, and You should receive a written confirmation letter within one (1) to three (3) weeks of redemption. If You don&rsquo;t receive the letter within that time, please let us know.<\/li><li><strong><em>Participating Charities.<\/em><\/strong> Participating charities are subject to change. We may discontinue our relationship with any charity, at any time, without notice.<\/li><li><strong><em>Taxes.<\/em><\/strong> Consult your tax advisor to determine if your redemption of Points toward a charitable contribution is tax deductible.<\/li><\/ul><\/li><li id=\"RewardRedempStatementCredit\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Statement Credit for Card Accounts.<\/em><\/strong> You can redeem Points for a statement credit in any denomination, which will be applied to your Card Account. <strong><em>You must still make the required minimum payment due on your Card Account.<\/em><\/strong> You&rsquo;ll receive a confirmation letter within one (1) to three (3) weeks of redemption, and your statement credit should appear within two (2) billing cycles after You redeem your Points.<strong><em> Statement credits may not be canceled.<\/em><\/strong><\/li><li id=\"RewardRedempDirectDeposit\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Direct Deposits.<\/em><\/strong> You can redeem any number of available Points for cash that will be directly deposited to your Citi savings or checking account or a verified non-Citi savings or checking account. Verification of non-Citi savings or checking accounts requires the successful payment of the Card Account with the non-Citi savings or checking account at least two times in the previous six months in a qualifying manner determined by Citi. We may also be able to verify a non-Citi checking or savings account using external service providers. Non-Citi savings or checking account verification is subject to terms and conditions that you must accept when choosing direct deposit to a non-Citi checking or savings account.<\/li><li id=\"RewardRedempCashRewards\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Cash Rewards.<\/em><\/strong> You can redeem Points for a check made payable to You. The minimum redemption amount for a check is $5.<strong><em> Checks are valid for one hundred eighty (180) days.<\/em><\/strong><ul class=\"terms-list-level-3\"><li><em><strong>Shipping and Confirmation.<\/strong><\/em> Your Cash Rewards confirmation letter and check are sent only to your address on record via USPS First-Class<sup>&reg;<\/sup> Mail within one (1) to three (3) weeks of redemption.<\/li><li><strong><em>Cancellations.<\/em><\/strong> All Cash Rewards redemptions are final. Points redeemed for Cash Rewards can&rsquo;t be returned unless we cancel the check and a stop payment is placed, resulting in a return order status and automatic reinstatement of your Points. Please note that a check may be canceled if, for example, there was a misspelling on the check or You never received it. You must call us if You don&rsquo;t receive your Cash Rewards check ten (10) days after shipment. You can find the shipping date on the order history page for your ThankYou Account at thankyou.com, or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><\/ul><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Certain Rewards, such as a statement credit for a Card Account, will reduce the balance on your Card Account, but aren&rsquo;t considered a payment. You must still make the minimum payment due each month, even if the amount of the Reward is greater than the minimum payment due.<\/div><ul class=\"terms-list-level-2\"><li id=\"RewardRedempCombinedAccount\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Combined ThankYou Account.<\/em><\/strong> Certain redemption options not available to Card Account Members may be available if you have multiple ThankYou Accounts and chose to combine ThankYou Accounts.<\/li><\/ul>","subHeadingId":2},{"subHeading":"Travel","link":"Travel","termsContent":"<ul class=\"terms-list-level-2\"><li><strong><em>Citi Travel<sup>&reg;<\/sup><\/em><\/strong> provides travel-related Rewards, which is powered by Rocket Travel by Agoda(\"Rocket Travel Inc.\"), a service partner for the Program. You can redeem Points through Citi Travel for airfare, hotels, car rentals, attractions and other travel, if applicable. The terms and conditions included below are only some of the terms and conditions that apply to Citi Travel. You can find a complete list of travel terms and conditions on&nbsp;<a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a>. Please review them carefully before redeeming for a Reward.<ul class=\"terms-list-level-3\"><li><strong><em>Contacting the Citi Travel service center<\/em><\/strong><ul class=\"terms-list-level-5\"><li><strong><em>Online.<\/em><\/strong> Travel bookings can be made through Citi Travel. All travel bookings require the use of a Citi eligible credit card or Points from an eligible ThankYou Rewards account.<\/li><li><strong><em>Calling the Citi Travel service center.<\/em><\/strong> Travel bookings can also be made by calling the Citi Travel service center at 1-833-737-1288 (TTY: We accept 711 or other Relay Service). All travel bookings require the use of a Citi eligible credit card or Points from an eligible ThankYou Rewards account.<\/li><\/ul><\/li><\/ul><ul class=\"terms-list-level-3\"><li><strong><em>Points Redemption.<\/em><\/strong> The number of Points required for travel Rewards varies based on a combination of factors including itinerary, date and time of travel. You may redeem for travel Rewards using a combination of Points and dollars. The total number of Points required for a travel Reward will include payment of any taxes, fees and surcharges applicable to that Reward. Taxes, fees and surcharges on travel Rewards may change at any time without notice.<\/li><li><strong><em>Confirmation.<\/em><\/strong> No Point amount, travel Rewards availability, or times of travel are confirmed until the required number of Points have been deducted, and the tickets or travel documents have been issued.<\/li><\/ul><\/li><li><strong><em>Travel Rewards Overview.<\/em><\/strong> Travel Rewards include airline tickets, hotel accommodations, rental cars, and attractions (\"<strong>Travel Rewards<\/strong>\"). Travel Rewards reservations can be made online at thankyou.com or by calling the Citi Travel service center. All Travel Rewards are subject to availability and restrictions of the relevant Supplier. Travel Rewards may not be booked for minors traveling unaccompanied by an adult. ThankYou Rewards has the final authority on all decisions regarding Travel Rewards ticketing, pricing and availability and the interpretation of these Travel Rewards Terms and Conditions.<\/li><li><strong><em>Travel Rewards Information.<\/em><\/strong> The Point-cost of ThankYou Travel Rewards are based on variable amounts. These amounts are based on a combination of factors including itinerary, date and time of travel, and dollar value of travel. The amount of ThankYou Points needed for these Travel Rewards can be researched on thankyou.com. The following guidelines apply to these Travel Rewards:<ul class=\"terms-list-level-3\"><li>No blackout dates<\/li><li>Taxes, fees and surcharges that are collectible by Rocket Travel Inc. are included in the number of ThankYou Points required. Taxes, fees and surcharges are subject to change without notice.<\/li><li>Airline, hotel, car rental, vacation, and attraction/excursion company participation may vary from market to market.<\/li><li>The Citi Travel service center does not hold Travel Rewards reservations.<\/li><li>All bookings made by Rocket Travel Inc. shall comply with all applicable U.S. laws, rules and regulations including, without limitation, sanctions issued by the Office of Foreign Assets Control. Such sanctions may prevent Rocket Travel Inc. from offering travel to specific destinations or individuals. To assist Rocket Travel Inc. with its compliance with laws, rules and regulations, Rocket Travel Inc. may ask You for additional information. Any booking made, or in good faith believed to be made, in violation of U.S. law, will be cancelled by Rocket Travel Inc., in its sole discretion, with no liability to You other than to issue a refund, if permitted by law.<\/li><\/ul><\/li><li><strong> <em>Travel Rewards Point Deductions and Payment Options.<\/em> <\/strong> Redeemed ThankYou Points will be deducted from your ThankYou Member Account at the time of booking. No ThankYou Point amounts, Travel Rewards availability, or dates of travel are confirmed until the required number of ThankYou Points have been deducted, and the tickets or travel documents have been issued. ThankYou Members have the option to redeem for Travel Rewards using a combination of ThankYou Points and their eligible Citi credit card. Additional Travel Reward options not offered through Rocket Travel Inc. may be available through other merchants participating in ThankYou Rewards. These additional Travel Rewards options are not affiliated with or offered through Rocket Travel Inc.<\/li><li><strong><em>Redemptions and Transactions made through Citi Travel<\/em><\/strong><p>All transactions are NON REFUNDABLE and NON CHANGEABLE unless permitted by the terms disclosed at time of booking. You can find a complete list of travel terms and conditions on <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a>. No shows are non-refundable and will result in a forfeiture of all payments made and Points used by You in connection with the reservation, without credit due.<\/p><p>A small number of air carriers may require Rocket Travel Inc. to confirm flight availability when booking. If there is any issue with availability, you will receive an email regarding the status of your booking.<\/p><\/li><li><strong><em>Travel Rewards Details. <\/em><\/strong>Travel Rewards cannot be redeemed for cash and have no cash value. Travel Rewards have no residual cash value. Travel Rewards cannot be combined with any other certificates, coupons, discounts, upgrades, awards or promo codes. Travel Rewards are offered as promotional items and are void if sold for cash or other consideration, or if altered or copied, and cannot be reissued if destroyed, lost or stolen. Frequent flyer mileage accrual, usage and upgrades may not be used with Travel Rewards. Travel Rewards are not valid where prohibited by law.<\/li><li><strong> <em>Travel Changes by You.<\/em> <\/strong> All airline tickets, hotel, car rental, vacation packages and attractions booked in exchange for ThankYou Points are nonrefundable, nonendorsable and nontransferable. Changes to bookings are subject to the Supplier&rsquo;s policies, and the fees and conditions described in these terms and conditions. Any additional costs due to a permitted change are your responsibility and will be collected in U.S. dollars, not ThankYou Points, with a credit card in the name of the ThankYou Member. Any change, cancellation or additional collection fees imposed by the airline, hotel, car rental company, or activity provider are the responsibility of the traveler.<\/li><li><strong> <em>Travel Changes and Cancellations by the Supplier.<\/em> <\/strong> Airline, hotel, car rental, and tour operator schedules, terms, points of service and fares are subject to change without notice by the Suppliers. Airline schedule changes, flight cancellations and interruptions, oversold flights, hotels, and attractions are outside of the control of Rocket Travel Inc. and ThankYou Rewards. These situations must be remedied by the applicable travel Supplier and may be subject to Federal or State Regulations. If an airline declares bankruptcy, it is not obligated to carry You or to refund tickets issued before the bankruptcy. Rocket Travel Inc. is not allowed to refund tickets on airlines that have declared bankruptcy. ThankYou Points redeemed for Travel Rewards or money given to Rocket Travel Inc. immediately becomes the property of the airline and ThankYou Rewards and Rocket Travel Inc. is required by law to comply with the airline's orders.<\/li><li><strong> <em>Liability Disclaimer. <\/em> <\/strong>Rocket Travel Inc. acts only as an agent for the Supplier in regards to travel and the travel-related services, and assumes no liability for injury, damage, loss, accident, delay or irregularity which may be caused due to defects in the travel products, acts of God, war, riots, or by any company or person involved in carrying out travel arrangements. Rocket Travel Inc. reserves the right to accept minor adjustments to the booking confirmation provided by the Supplier, where applicable. In the event of the Supplier cancels a booking prior to departure, a full refund will constitute a full settlement of all liability. To the extent applicable, a passenger's ticket(s), when issued, or electronic reservation, shall constitute the sole contract between the Supplier and the purchaser and/or passenger, and Rocket Travel Inc. shall have no liability for any actions or omissions of the Supplier. Rocket Travel Inc. is not responsible for any changes initiated by the passenger after departure.<\/li><li><strong><em>Contacting Rocket Travel, Inc.<\/em><\/strong><p>If there are any questions regarding Rocket Travel, Inc.&rsquo;s full terms and conditions, please visit <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a><br>Rocket Travel, Inc.<br>641 West Lake Street, Ste. 102<br>Chicago, IL 60661<br>Email: <a href=\"&quot;mailto:concierge@rocketmiles.com\">concierge@rocketmiles.com<\/a><\/p><\/li><li><strong><em>Seller of Travel Registration Numbers <\/em><\/strong>&nbsp;Agoda International USA LLC, part of the Booking Holdings Inc. group of companies, and its relevant affiliates, including Rocket Travel Inc., facilitates the booking of the travel arrangements for You on behalf of Citi Travel. State Seller of Travel registration numbers (or equivalent) for Agoda International USA LLC in the states that require registration are: California (#2149788-50) (registration as a Seller of Travel does not constitute approval by California; Agoda International USA LLC is not a participant in the Travel Consumer Restitution Fund); Florida (#ST43421); Hawaii (#TAR-7458); and Washington (#604-161-566).<\/li><\/ul>","subHeadingId":3}],"link":"","headingId":3},{"termsHeading":"Gift Card Terms and Conditions","subHeadingType":{"subHeading":"GIFT CARD TERMS & CONDITIONS","link":"GiftCardTC","termsContent":"<p><em><strong>Gift cards/certificates<\/strong>:<\/em> Gift cards/certificates are subject to the terms and conditions set by the merchant who issues the gift card/gift certificate. Citibank is in no way affiliated with the issuers of the gift cards/certificates nor are they considered sponsors or co-sponsors of ThankYou Rewards. Any use of the merchant names and/or logos is by permission of each respective merchant and all trademarks are the property of their respective owners. For expiration policies and non-usage fees, if any, please refer to the specific merchant&rsquo;s product information page or contact the ThankYou Service Center via 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service). Gift cards/certificates may not be returned, unless damaged or defective.<\/p><p><em><strong>eGift cards/certificates<\/strong>:<\/em> eGift cards/certificates allow You to send gift cards/certificates virtually, either by email or text message, instantly or on the date You choose. Text messaging and data rates may apply. When You redeem ThankYou Rewards for a gift card/certificate, we will send you a confirmation email including a link to send the gift card/certificate digitally. Like physical gift cards/certificates, eGift cards/certificates are subject to the additional terms and conditions set by the issuing merchant, which You can find on thankyou.com.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Delivery of physical gift cards/gift certificates.<\/em><\/strong> <br>Physical gift cards and gift certificate Rewards are delivered to P.O. boxes and shipping addresses in the United States and its 5 major U.S. Territories (American Samoa, Guam, Northern Mariana Islands, Puerto Rico and U.S. Virgin Islands) unless otherwise noted on the item detail page or at checkout. Allow one (1) to three (3) weeks for shipment. If You haven't received your gift card/gift certificate Reward within ten (10) days after the shipped date, please let us know. You must contact us within one hundred twenty (120) days of your order date if You have not received your gift card/gift certificate. You can do so either by accessing the \"Order History\" section under \"My Account\" at <a class=\"plainLink\" href=\"https://thankyou.com\">thankyou.com<\/a>, and then clicking \"Return Order\" or by calling us at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><li><strong>Delivery of eGift cards/gift certificates.<\/strong><br>eGift cards/certificates and any other virtual Rewards are deliverable only to valid email addresses and telephone numbers. If You do not provide a valid email address or telephone number, then we will not be able to deliver the eGift card/certificate to Your intended recipient or the eGift card/certificate may be sent to an unintended recipient. Citibank will not replace or refund eGift cards/certificates sent to an unintended recipient due to an incorrect email address or telephone number.<\/li><li><strong>Cancellation of gift cards/gift certificates.<\/strong><br><ul class=\"terms-list-level-3\"><li><strong>Physical gift cards/gift certificates.<\/strong> Only some orders of physical gift cards/gift certificates may be canceled. We&rsquo;ll let You know on the Order History page if You can cancel your order. You may return a physical gift cards/gift certificate due to a defect or damaged shipment by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) and following the customer service agent&rsquo;s instructions.<\/li><li><strong>eGift cards/gift certificates<\/strong> You can&rsquo;t cancel, return or exchange e-cards or e-certificates.<strong><strong> <\/strong><\/strong><\/li><\/ul><\/li><\/ul><p>&nbsp;<\/p>","subHeadingId":1},"link":"","headingId":4},{"termsHeading":"Points Expiration, Suspension and Forfeiture","subHeadingType":[{"subHeading":"Points Expiration","link":"PointsExpiration","termsContent":"<p>This section tells You if, when and how your Points may expire.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Expiration of Points Acquired through Your Card Account. <\/em><\/strong>Points You earn using your Card Account will not expire.<\/li><\/ul>","subHeadingId":1},{"subHeading":"Loss or Suspension of Points","link":"LossorSuspension","termsContent":"<p>This section tells You how Points you&rsquo;ve already earned or received may be lost or suspended.<\/p><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong>When Your Card Account is Closed or Converted<\/strong><\/h3><p>How your Citi Account was closed or converted determines how long You have to use Points associated with your Citi Account.&nbsp;<\/p><p>If You have multiple Citi Accounts associated with only one ThankYou Account at the time one of your Citi Accounts is closed or converted to a Citi credit card that does not participate in the ThankYou Program, You will lose only the Points that You earned with the closed or converted Card Account, unless prohibited by law.<\/p><ul class=\"terms-list-level-2\"><li><strong>You <\/strong><strong>Close Your Citi Account or Convert Your Citi Account to an account that does not participate in the ThankYou Program<\/strong><strong>. <\/strong>If You voluntarily close your Citi Account enrolled in the Program, or convert your Citi Account to an account that does not participate in the Program, You must use the Points within ninety (90) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account.<\/li><li><strong>We Close Your Card Account Due to Inactivity or Convert Your Card Account to a card that does not participate in the ThankYou Program<\/strong>. If we close your Card Account due to inactivity, or otherwise convert your Card Account to a card that does not participate in the Program, You must use the Points within ninety (90) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account.<\/li><li><strong>We Close Your Citi Account for any other Reason<\/strong>. If we close your Citi Account for any reason other than inactivity, You will lose your Points immediately, unless prohibited by law.<\/li><li><strong>Limited Online Access<\/strong>. When your Citi Account is closed or converted to an account that does not participate in the ThankYou Program, You will lose access to your ThankYou Account online unless You have one or more open Citi Accounts that participates in the ThankYou Program. You may redeem your Points by contacting the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><li><strong>Limited Rewards Options<\/strong>. Some rewards options require You to have an eligible open Citi Account. When your Citi Account is closed or converted to an account that does not participate in the ThankYou Program, some redemption options may be limited or ineligible such as:<ul class=\"terms-list-level-3\"><li>Rewards that require an open Card Account that participates in the ThankYou Program<\/li><\/ul><\/li><\/ul><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong>When Your ThankYou Account is Closed<\/strong><\/h3><p>Your ThankYou Account may be closed when there are no open Citi Accounts associated with your ThankYou Account, You request to close your ThankYou Account, or your ThankYou Account is closed due to Fraud, Misuse, Abuse or Suspicious Activity.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>All Your Citi Accounts Are Closed<\/em><\/strong>. When your Citi Account closes, and if You have no other open Citi Accounts associated with your ThankYou Account, we will close your ThankYou Account.<\/li><li><strong>When Your ThankYou Account Closes<\/strong>. If You have Points, and your ThankYou Account is closed for any reason, You will lose them immediately, unless prohibited by law.<\/li><li><strong><em>We Cancel the Program<\/em><\/strong>. If the Program is canceled, you&rsquo;ll have ninety (90) days from the Program&rsquo;s cancellation date, or, if required by law, from notification of Program cancellation to redeem your Points. After ninety (90) days, you&rsquo;ll lose any remaining Points.<\/li><li><strong><em>Temporary Point Suspension for Late Payment<\/em>. <\/strong>If You make a late payment on your Card Account, You may not be allowed to redeem Points until your Card Account is current, and You request that we reinstate those Points. You can make this request on <strong>thankyou.com <\/strong>or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><li><strong><em>Loss upon Death.<\/em><\/strong> You will lose your Points upon your death, and your estate, successors and assigns have no property rights or other legal interests in such Points, except under these circumstances:<ul class=\"terms-list-level-3\"><li><strong><em>Cash Rewards Option.<\/em><\/strong> If we receive a written request within one (1) year of your death from the executor or administrator of your estate, along with evidence satisfactory to us of your death and the identity and appointment of the executor or administrator, we can allow Points remaining in your ThankYou Account to be redeemed for Cash Rewards. Only a lawfully designated executor or administrator may redeem Points on behalf of the deceased. Contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) for more information.<\/li><\/ul><\/li><\/ul>","subHeadingId":2}],"link":"","headingId":5},{"termsHeading":"Changes to these terms and Other Important Information","subHeadingType":[{"subHeading":"Changes to this Agreement or to the Program","link":"changestoagreement","termsContent":"<p>This section tells You when and how we may change this Agreement and the Program.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Changes without Notice.<\/em> <\/strong> We may make changes to the Program and/or the terms of this Agreement at any time, and if required by law, we will provide notice. For example, we won&rsquo;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&rsquo;ll post an updated copy on <strong><em>thankyou.com.<\/em><\/strong><\/li><li><strong> <em>Changes with Notice.<\/em> <\/strong> We&rsquo;ll give You thirty (30) days&rsquo; advance written notice if we make any of the following changes:<ul class=\"terms-list-level-3\"><li>A change that negatively affects the number of Points You can earn<\/li><li>A change that negatively affects when your Points expire or how/when You may lose Points<\/li><li>A change in how You can exercise your rights under this Agreement<\/li><li>If we cancel the Program.<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"Fraud, Misuse And Abuse; Other Important Information","link":"Fraud","termsContent":"<p>This section tells You that we may take action in response to account fraud, misuse or abuse, including taking away Points and suspending or closing your account. This section also tells You more about the Program and your rights under this Agreement, including information about how we may contact You.<\/p><ul class=\"terms-list-level-2\"><li><strong> <em>Fraud, Misuse, Abuse, or Suspicious Activity<\/em> <\/strong> <br>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:<ul class=\"terms-list-level-3\"><li>Taking away your accrued Points<\/li><li>Stopping You from earning Points<\/li><li>Suspending or closing your Citi Account or ThankYou Account<\/li><li>Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages<\/li><li>Cancelling your Card Account<\/li><\/ul><p><strong>Some examples of fraud, misuse, abuse and suspicious activity include:<\/strong><\/p><ul class=\"terms-list-level-3\"><li>Buying or selling Points<\/li><li>Repeatedly opening Card Accounts for the primary purpose of acquiring Points<\/li><li>Using your Card Accounts in an abusive manner for the primary purpose of acquiring Points<\/li><li>Using your Card Account other than primarily for personal, consumer or household purposes<\/li><li>Points redemptions that You didn&rsquo;t authorize<\/li><\/ul><p>Please contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service). immediately if You suspect your ThankYou Account is the target of fraud or suspicious activity.<\/p><\/li><li><strong> <em>No Cash Value.<\/em> <\/strong> Points have no cash value.<\/li><li><strong> <em>No Property Rights.<\/em> <\/strong> You have no property rights or other legal interests in Points. By operation of law, You can&rsquo;t transfer Points through such events as an inheritance, bankruptcy or a divorce. Points also can&rsquo;t be assigned or pledged.<\/li><li><strong> <em>Disputes Between Member and Other Persons.<\/em> <\/strong> We&rsquo;re not responsible for disputes between joint owners of a Citibank Checking Account or a customer and a third party involving Points or any other aspect of the Program.<\/li><li><strong> <em>Indemnity.<\/em> <\/strong> You agree to indemnify us and our third-party service providers, and all of our and their respective affiliates, directors, officers, employees, agents and contractors, and hold us and them harmless from and against any loss, damage, liability, cost or expense of any kind (including attorneys&rsquo; fees) arising from our or an authorized user&rsquo;s use of the Program, any fraud, misuse or abuse of the Program, violation of this Agreement and/or violation of any applicable law or the rights of any third party.<\/li><li><strong> <em>Limitation on Liability.<\/em> <\/strong> You release us, our third-party service providers, and our and their respective affiliates, directors, officers, employees, agents and contractors, for your participation in the Program, including in connection with earning Points, redeeming Points for Rewards and using Rewards, the expiration and forfeiture of Points and changes to or cancellation of the Program. The third-party service providers, including merchants and contractors, that participate in the Program aren&rsquo;t affiliated with us, and we and our affiliates, directors, officers, employees and agents aren&rsquo;t responsible for, and You release us from, any liability arising in connection with products and services provided by those third-party service providers, including Rewards and/or any such services provided in connection with Rewards, such as delivery or servicing.<\/li><li><strong> <em>Void Where Prohibited by Law.<\/em> <\/strong> The Program and/or any feature of the Program are void where prohibited by federal, state or local law or regulation and are subject to change as necessary to comply with law or regulation.<\/li><li><strong> <em>Notices and Communications.<\/em> <\/strong> We may send communications about the Program to You at any mailing or email address on our records or through our online services. You agree that we (and /or our service providers or anyone we authorize) may contact You at any phone number, email address or mailing address You provide or we obtain in other ways. This includes communications to mobile, cellular/wireless, or similar devices. We may contact You by live operator, auto-dialer, recorded or artificial voice, text or email. You agree to pay any charges from your plan provider for communications we send to You, as well as communications You send to us. We may use voice recognition technology to verify your identity when You call. We may capture and store your voiceprint for this purpose.<\/li><\/ul>","subHeadingId":2},{"subHeading":"INCORPORATION OF CARD ACCOUNT TERMS AND CONDITIONS","link":"IncorporationOfEnrolledCard","termsContent":"<p>This section tells You that certain terms in your Card Account agreement also apply to this Agreement.<\/p><p>The agreement governing your Card Account is incorporated into this Agreement for purposes of governing law, enforcement rights and dispute resolution, including any arbitration provision contained in it. <strong>Read your applicable Card Account agreement for these important provisions.<\/strong><\/p>","subHeadingId":3}],"link":"","headingId":6}],"introTitle":"Citi ThankYou<sup>&reg;<\/sup> Rewards Terms and Conditions for Citi<sup>&reg;<\/sup> Custom Cash<sup>&reg;<\/sup> Card Accounts"},"accountTypeDetails":{"accountTypeOptions":[{"breadcrumbLabel":"","id":"citi-cards","title":"Citi Credit Cards and Consumer Citibank Checking Accounts"},{"breadcrumbLabel":"Double Cash Card Account","id":"doublecash-card","title":"Double Cash Card Account"},{"breadcrumbLabel":"Citi ThankYou<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> Terms & Conditions","id":"cty-card","title":"Citi ThankYou<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> Card"},{"breadcrumbLabel":"Corporate Terms & Conditions","id":"citi-corporate","title":"Citi Corporate Card"},{"breadcrumbLabel":"Custom Cash Card Account","id":"custom-cash","title":"Custom Cash Card Account"}],"CopyrightYear":"© 2026 Citibank, N.A.","readText":"Read","CopyrightText":"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.","accountTypeText":"Account Type"},"cty-card":{"headingType":"To read the ThankYou Rewards Terms and Conditions for Citi<sup>&reg;<\/sup> credit cards and consumer Citibank<sup>&reg;<\/sup> checking accounts select from the drop down below.","termsContentType":[{"termsHeading":"Agreement, Definitions and Accounts","subHeadingType":[{"subHeading":"Information about this agreement and definitions","link":"AgreeDefinitons","termsContent":"<p>Last Updated: September 2026<\/p><p>This section tells You what this Agreement governs and how it's structured. This section also defines certain terms used throughout this Agreement.<\/p><ul class=\"terms-list-level-2\"><li><p><strong> <em>This Agreement.<\/em> <\/strong>This Agreement is between You and Citibank. You accept the terms of this Agreement when You earn or redeem Points, by continued use of your Card Account associated with your ThankYou Account, or when You enroll in the Program in connection with your Citi ThankYou Card Account. This Agreement replaces any previous versions of terms and conditions governing the Program applicable to your Citi ThankYou Card Account. From time to time, we may give You additional terms and conditions associated with the Program. They'll be considered part of this Agreement. If You have a Citi Account other than your Citi ThankYou Card Account, please see the ThankYou Rewards Terms and Conditions provided to You in connection with that Citi Account.<\/p><div class=\"call-out\"><h3>TIP:<\/h3>In the blue boxes throughout this Agreement are helpful tips and additional information about the Program.<\/div><\/li><li><p><strong> <em>Definitions.<\/em> <\/strong>The following terms, when used in this Agreement, have the meanings below:<\/p><ul class=\"terms-list-level-3\"><li><strong> <em>Agreement<\/em> <\/strong> &ndash; Refers to the entire Citi ThankYou Rewards Terms and Conditions.<\/li><li><strong> <em>Card Account<\/em> <\/strong> &ndash; A credit card account issued in the United States by Citibank, including a Citi ThankYou Card Account, that participates in the Program, except the Citibank Corporate Travel &amp; Entertainment Card.<\/li><li><strong> <em>Citi Account <\/em> <\/strong>&ndash; An account associated with a Citibank product or service, such as a Card Account or a Citibank checking account, that participates in the Program.<\/li><li><strong> <em>Citibank, we, us and our<\/em> <\/strong> &ndash; Citibank, N.A.<\/li><li><strong> <em>Member<\/em> <\/strong> &ndash; A participant in the Program.<\/li><li><em><strong>Participating Partner<\/strong><\/em> &ndash; Businesses with whom Citibank, or a third party on behalf of Citibank, partners with respect to the Program, including retailers and merchants that participate in the Program.<\/li><li><strong> <em>Point(s)<\/em> <\/strong> &ndash; Loyalty points provided through the Program.<\/li><li><strong> <em>Program<\/em> <\/strong> &ndash; The Citi ThankYou Rewards loyalty program.<\/li><li><em><strong>Supplier <\/strong><\/em>&ndash; Businesses that provide travel services, including airlines, hotels, car rental companies, and attractions.<\/li><li><strong> <em>Reward(s)<\/em> <\/strong> &ndash; Items, services, credits, cash and cash equivalents or other offerings for which Points can be redeemed through the Program.<\/li><li><strong><em>Shop with Points <\/em><\/strong>&ndash; ThankYou members with an eligible Citi<sup>&reg;<\/sup> credit card can use ThankYou<sup>&reg;<\/sup> Points at Participating Partners.<\/li><li><strong> <em>Citi ThankYou Card Account<\/em> <\/strong> &ndash; A general purpose credit card account issued in the United States by Citibank that contains the Citi ThankYou brand and which participates in the Program. A Citi ThankYou Card Account is a Card Account.<\/li><li><strong> <em>ThankYou Account<\/em> <\/strong> &ndash; A Program account set up for a Member to keep track of Point activity, including information about when and how the Member receives and redeems Points, and through which a Member may redeem Points.<\/li><li><strong> <em>You and your<\/em> <\/strong> &ndash; You, as a Member.<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"YOUR THANKYOU ACCOUNT(S)","link":"TYAccounts","termsContent":"<div class=\"terms-list-item-content\"><p>This section tells You how to obtain a ThankYou Account and provides information about managing your account(s).<\/p><ul class=\"terms-list-level-2\"><li><p><em><strong>Setting up a ThankYou Account. <\/strong><\/em> If your Citi ThankYou Card Account participates in the Program, we'll set up a ThankYou Account for that Citi ThankYou Card Account. We'll credit the Points You earn with your Citi ThankYou Card Account to that ThankYou Account.<\/p><\/li><\/ul><p>If You have multiple ThankYou Accounts, You can combine them into one ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/p><div class=\"call-out\"><h3>TIP:<\/h3>You can check your Points balance in the \"My Point Summary\" section of \"My Account\" at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service). If You think you've received Points in error or haven't received Points that you've earned, call the ThankYou Service Center.<\/div><\/div>","subHeadingId":2}],"link":"AgreeDefAccDefault","headingId":1},{"termsHeading":"Acquiring Points","subHeadingType":[{"subHeading":"ACQUIRING POINTS","link":"AcquirePoints","termsContent":"<p>This section tells You general rules about how to acquire Points and describes how Points are earned with your Citi ThankYou Card Account.<\/p><p>Here's how You can acquire Points:<\/p><ul class=\"terms-list-level-2\"><li><em><strong>Use of Your Citi ThankYou Card Account. <\/strong><\/em> You can earn Points by using your Citi ThankYou Card Account as described below.<\/li><li><strong><em>Promotional Offers.<\/em><\/strong> You may be provided with promotional offers that let You earn Points. If we make a promotional offer, we'll let You know the specific terms and conditions that apply.<\/li><li><strong><em>Negative Point Balance.<\/em><\/strong> Subtracting Points from your ThankYou Account (for example, if You return items purchased with your Citi ThankYou Card Account) can result in a negative Point balance. If this happens, Points You earn after that will be used to bring your balance to zero.<\/li><\/ul>","subHeadingId":1},{"subHeading":"EARNING POINTS WITH YOUR CITI THANKYOU CARD ACCOUNT","link":"EarnWithCardAccount","termsContent":"<ul class=\"terms-list-level-2\"><li><em><strong>Only Purchases Earn Points.<\/strong><\/em> You'll earn Points for purchases using your Citi ThankYou Card Account, minus returns and refunds.<\/li><li><strong><em>The following types of transactions don't qualify as purchases that earn Points:<\/em><\/strong><ul class=\"terms-list-level-3\"><li>Use of checks that access your Citi ThankYou Card Account<\/li><li>Balance transfers<\/li><li>Cash advances<\/li><li>Travelers checks, foreign currency purchases, money orders, wire transfers and similar cash-like transactions<\/li><li>Lottery tickets, gaming chips and similar betting transactions<\/li><li>Interest and account fees<\/li><li>Unauthorized charges<\/li><li>Items returned for credit<\/li><\/ul><\/li><li><strong><em>Open and Current Citi ThankYou Card Account.<\/em><\/strong> You may earn Points as long as your Citi ThankYou Card Account is open and current.<\/li><li><strong><em>When You Will Receive Points.<\/em><\/strong> Points earned through a purchase with your Citi ThankYou 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).<\/li><li><strong><em>Additional Points for Certain Categories of Purchases<\/em><\/strong>. Depending on the type of Card Account You have, You may be able to earn more than one (1) Point for each $1 You spend on certain categories of purchases, such as \"entertainment\" and \"dining out.\"<\/li><li><strong><em>Merchant Classification for Rewards Categories.<\/em><\/strong> Merchants are assigned a merchant category code (&ldquo;MCC&rdquo;), 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&rsquo;t control the assignment of these codes and are not responsible for the codes used by merchants. When You use your Card Account 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&rsquo;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 &ldquo;retailer&rdquo; code instead of a &ldquo;restaurant&rdquo; code. Please also note &ndash; 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.<\/li><\/ul><p class=\"section-divider\"><strong><em>Refer to the chart below to see the number of Points you'll earn using your Citi ThankYou Card Account.<\/em><\/strong><\/p><table class=\"terms-list-table table-columns-halves\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th>Citi ThankYou Card Account<\/th><th>Earn<\/th><\/tr><tr><td><div class=\"credit-card-label\"><strong>Citi ThankYou<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/strong><\/div><strong><strong> <\/strong><\/strong><\/td><td><div><ul class=\"terms-list-level-2\"><li><strong>1 ThankYou Point<\/strong> for each $1 spent on purchases.<\/li><\/ul><\/div><\/td><\/tr><tr><td><div class=\"credit-card-label\"><strong>Citi ThankYou<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> for Select Cardmembers<\/strong><\/div><\/td><td><div><ul class=\"terms-list-level-2\"><li><strong>2 ThankYou Points<\/strong> for each $1 spent on purchases at department stores, supermarkets, drugstores, and gas stations.<ul class=\"terms-list-level-3\"><li><strong>Certain Non-Qualifying Purchases.<\/strong><br>You won&rsquo;t earn 2X Points for purchases made at warehouse clubs, discount stores, and convenience stores<\/li><\/ul><\/li><li><strong>1 ThankYou Point<\/strong> for each $1 spent on other purchases, including the non-qualifying purchases listed above.<\/li><\/ul><\/div><\/td><\/tr><tr><td><div class=\"credit-card-label\"><strong>Citi ThankYou<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> for Core Cardmembers<\/strong><\/div><\/td><td><div><ul class=\"terms-list-level-2\"><li><strong>5 ThankYou Points<\/strong> for each $1 spent on purchases at gas stations for the first $10,000 of gas station purchases per year (year consists of January through December billing statements as described below) and then 1 ThankYou Point for each $1 spent thereafter.<ul class=\"terms-list-level-3\"><li><strong>Certain Non-Qualifying Purchases.<\/strong><br>You won&rsquo;t earn 5X points for fuel purchased at superstores, supermarkets, grocery stores, convenience stores and warehouse clubs or for fuel used for non-automobile purposes.<\/li><\/ul><\/li><li><strong>3 ThankYou Points<\/strong> for each $1 spent on purchases at restaurant and grocery stores for the first $10,000 of combined restaurant and grocery store purchases per year (year consists of January through December billing statements as described below) and then 1 ThankYou Point for each $1 spent thereafter.<ul class=\"terms-list-level-3\"><li><strong>Certain Non-Qualifying Purchases.<\/strong><br>You won&rsquo;t earn 3X points for restaurant purchases made at bakeries, caterers and certain restaurants/cafes located inside other establishments (such as department stores, grocery stores, supermarkets discount stores, convenience stores or warehouse clubs). You won&rsquo;t earn 3X points for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores.<\/li><\/ul><\/li><li><strong>2 ThankYou Points<\/strong> for each $1 spent on purchases at department stores and drugstores for the first $10,000 of combined department store and drugstore purchases per year (year consists of January through December billing statements as described below) and then 1 ThankYou Point for each $1 spent thereafter.<ul class=\"terms-list-level-3\"><li><strong>Certain Non-Qualifying Purchases.<\/strong><br>You won&rsquo;t earn 2x points for purchases made at warehouse clubs, superstores, supermarkets, grocery stores, discount stores and convenience stores.<\/li><\/ul><\/li><li><strong>1 ThankYou Point<\/strong> for each $1 spent on other purchases, including the non-qualifying purchases listed above.<\/li><\/ul><p>For purposes of determining the year timeframe during which you can earn a higher level of ThankYou Points in certain categories based on annual spend as described above, a year is calculated as the first day of your billing cycle that begins in December and ends in January (as reflected on your January billing statement) and ends on the last day of your billing cycle that begins in November and ends in December (as reflected on your December billing statement).<\/p><\/div><\/td><\/tr><\/tbody><\/table>","subHeadingId":2}],"link":"AcqPoints","headingId":2},{"termsHeading":"REDEMPTION AND REWARDS","subHeadingType":[{"subHeading":"REDEMPTION AND REWARDS","link":"RedemRewards","termsContent":"<p>This section tells You how and when You can redeem Points and provides information about delivery, cancellation and return of certain Rewards.<\/p><ul class=\"terms-list-level-2\"><li><strong> <em>Who May Redeem.<\/em> <\/strong> Only You can redeem Points from your ThankYou Account, unless we tell You otherwise. Authorized users whose Card Account is linked to your ThankYou Account may use your Points on websites, mobile applications, and/or at the point of sale of participating Shop with Points merchants.<\/li><li><strong> <em>When Points May Be Redeemed.<\/em> <\/strong> Once Points appear in your ThankYou Account, they're available for redemption.<\/li><\/ul><p><strong>Find out what You currently can get with your Points by logging into your ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>.<\/strong><\/p><div class=\"call-out\"><h3>TIP:<\/h3>It's important to protect your online ThankYou Account username and password in the same way You protect other information associated with your Citi ThankYou Card Account (such as your account number). Anyone who can access your online account can use your Points to redeem for Rewards and change your personal information.<\/div><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong> <em>Additional information on redeeming points<\/em> <\/strong><\/h3><ul class=\"terms-list-level-2\"><li><em> <strong>Insufficient Point Balance.<\/strong> <\/em> If your Point balance falls below the number of Points required to redeem for a Reward after you've already ordered it (for example, because You returned a purchase), we may stop delivery of that Reward.<\/li><li><strong> <em>No Warranties.<\/em> <\/strong> Citibank, its affiliates and any merchants participating in the Program make no guarantees, warranties or representations of any kind concerning the Program.<\/li><li><strong> <em>No Liability for Rewards.<\/em> <\/strong> You release Citibank, its affiliates and any merchants participating in the Program from all liability regarding the redemption and use of Points and Rewards, including any Rewards that are lost, stolen or destroyed after they're received.<\/li><li><strong> <em>No Affiliation with Rewards Merchants.<\/em> <\/strong> Participating Rewards merchants aren't affiliated with or responsible for administration of the Program.<\/li><li><strong> <em>Taxes.<\/em> <\/strong> The monetary value of a Reward for which You redeem your Points may be considered taxable income from Citibank in the tax year in which You redeem the Points, in accordance with U.S. tax law. Citibank may be required to send You (and file with the IRS) a Form 1099-MISC (Miscellaneous Income) for the year in which You redeem your Points for a Reward when the value of the Reward plus other taxable Miscellaneous Income You receive from Citibank totals $600 or more for a calendar year. We determine the monetary value of Rewards received through your Points redemptions for tax purposes. The value of Rewards received by redeeming certain Points, such as Points received through certain bonus promotions, is taxable income. The value of Rewards received by redeeming certain other Points, such as Points earned on purchases made with a Citi ThankYou Card Account, is not taxable income. You're responsible for any personal tax liability due to the receipt of a Reward due to your Point redemption &ndash; consult with your tax advisor.<\/li><li><strong><em>Availability of Rewards<\/em><\/strong>. The availability of any Reward isn't guaranteed.<\/li><li><strong> <em>Point Value May Vary.<\/em> <\/strong> The value of a Point may vary depending on the Reward for which it's being redeemed. The value of a Point may also vary depending on what kind of Citi Account You used to earn that Point.<\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Even though two Rewards may have the same value in dollars, they may have a different cost in Points.<\/div>","subHeadingId":1},{"subHeading":"CERTAIN REWARD OPTIONS","link":"RewardOptions","termsContent":"<p>This section tells You about certain Rewards available for redemption and explains some of the terms and conditions related to redeeming Points for each of those Rewards.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Reward-Specific Terms and Conditions.<\/em><\/strong> Special terms and conditions may apply to certain Rewards. For example, certain Rewards, such as Statement Credits, require You to redeem a minimum number of Points. Merchants may also impose terms and conditions on Rewards &ndash; e.g., limiting your use of a gift card in certain cases. Some of those terms and conditions can be found at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>. Sometimes you'll be required to affirmatively accept those terms and conditions when You redeem your Points. Even if You aren't required to do so, by redeeming your Points for that Reward, You acknowledge that you've read and agreed to the applicable terms and conditions. Please carefully read all terms and conditions before redeeming Points.<\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Additional Rewards not listed below may be available on <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>. Before You redeem Points for one of those Rewards, we'll give You any additional terms and conditions that apply.<\/div><ul class=\"terms-list-level-2\"><li><strong><em>Shop with Points<\/em><\/strong> - ThankYou members with an eligible Citi Card Account can use ThankYou Points online and in-person at Shop with Points Participating Partners. You can use Shop with Points for Purchases at certain online Participating Partners and for in-person purchases at certain Participating Partners.<\/li><li><strong><em>Shop with Points &ndash; Use Points for Purchases.<\/em><\/strong> Citi will deduct the number of Points You redeem for your purchase from your ThankYou Account balance. A Participating Partner may restrict the use of Points for purchases of select items. Citi has the right to change Point to dollar conversion rates at any time. Purchases made with ThankYou Points may be subject to the Participating Partner&rsquo;s return and refund policy, which may include restocking fees. Participating Partner information can be found in the Frequently Asked Questions on thankyou.com. Citi or the Participating Partner may set a fee to redeem points or a minimum Point redemption requirement. If a redemption requirement or fee applies, it will be disclosed to You at the time of redemption. Any authorized users of your Card Account may be able to redeem Points through Shop with Points at Participating Partners if you share the same Card number.<ul class=\"terms-list-level-3\"><li><strong><em>Shop with Points - Use Points for purchases at online Participating Partners.<\/em><\/strong><br>Participating Partner&rsquo;s terms and conditions apply to purchases using Points at the Participating Partner&rsquo;s website and links to these are available in the Frequently Asked Questions at thankyou.com. Your ThankYou Account balance may not reflect redemptions for pending purchase transactions until the purchase has shipped. You may only participate in Shop with Points at online Participating Partners if You have a Card Account that is current and in good standing. &nbsp;In addition, You must either be auto enrolled or complete the self-registration process, as further explained below. When You are enrolled, Citi will provide the online Participating Partner with information about your ThankYou Account. When You Shop with Points at online Participating Partners, in addition to the foregoing, You also agree to the following terms and conditions:<br><ul class=\"terms-list-level-3\"><li><em><strong>Auto-enrollment.<\/strong><\/em> You may be automatically enrolled in Shop with Points at online Participating Partners if You have previously added or add a Card Account to the online Participating Partner&rsquo;s account. If You are automatically enrolled, your ThankYou Account will be linked to the online Participating Partner&rsquo;s account using the Card Account in the online Participating Partner&rsquo;s account. In the event You are auto-enrolled, You will receive an email from the online Participating Partner informing You of the auto-enrollment and how to de-enroll if You do not want to participate.<\/li><li><em><strong>Self-registration. <\/strong><\/em>You may enroll in Shop with Points through the self-registration process at online Participating Partners. &nbsp;You may want to self-register if, for example, You would like to participate in Shop with Points before You are auto-enrolled or if You have de-enrolled and later decide You would like to use your Points at online Participating Partners. &nbsp;During the self-registration process, your ThankYou Account will be linked to your account with the online Participating Partner using the Card Account. Following self-registration, You will receive an email from the online Participating Partner confirming your registration and telling You how to de-enroll.<\/li><\/ul><\/li><li><strong><em>Shop with Points &ndash; Use Points for in-person purchases at certain Participating Partners<\/em><\/strong>.<br>You can only use Points for in-person purchases at certain Participating Partners if You have a Card Account that is current and in good standing. When you use your Card Account, Citi will provide certain Participating Partners with information about your ThankYou Account in order to determine if your purchase is eligible for Shop with Points. If an in-person purchase is eligible for Shop with Points, You may be presented a redemption offer. &nbsp;You will have the option to accept or decline to use Points for in-person purchases at certain Participating Partners. If you do not want to receive a redemption offer at a certain Participating Partner, visit the Shop with Points Accounts section of thankyou.com or call the ThankYou Service Center at 1-800-ThankYou (1-800-842-6596) (TTY: we accept 711 or other Relay Service) to opt out.\u202f<\/li><\/ul><\/li><\/ul><ul class=\"terms-list-level-2\"><li><strong><em>Points Transfer. <\/em><\/strong>You can redeem Points by transferring Points to participating travel loyalty programs. Eligibility depends on your Card Product. Learn more at thankyou.com/transfer.<\/li><\/ul><ul class=\"terms-list-level-2\"><li id=\"RewardRedempCharitable\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Charitable Contributions.<\/em><\/strong> You can redeem Points for a check made payable to a charity listed on <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>. Please refer to the Charitable Contributions page on <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> for available denominations.<ul class=\"terms-list-level-3\"><li><em><strong>Shipping and Confirmation. <\/strong><\/em>A check including your charitable contribution is sent via USPS First-Class<sup>&reg;<\/sup> Mail directly to the charity, and You should receive a written confirmation letter within one (1) to three (3) weeks of redemption. If You don't receive the letter within that time, please let us know.<\/li><li><strong><em>Participating Charities.<\/em><\/strong> Participating charities are subject to change. We may discontinue our relationship with any charity, at any time, without notice.<\/li><li><strong><em>Taxes.<\/em><\/strong> Consult your tax advisor to determine if your redemption of Points toward a charitable contribution is tax deductible.<\/li><\/ul><\/li><li id=\"RewardRedempStatementCredit\" data-category-id=\"3\" data-subcategory-id=\"2\"><strong><em>Statement Credit for Card Accounts.<\/em><\/strong> You can redeem Points for a statement credit in any denomination, which will be applied to your Card Account.<strong> You must still make the required minimum payment due on your Card Account.<\/strong> You&rsquo;ll receive a confirmation letter within one (1) to three (3) weeks of redemption, and your statement credit should appear within two (2) billing cycles after You redeem your Points. <strong><em>Statement credits may not be canceled.<\/em><\/strong><\/li><li id=\"RewardRedempCashRewards\" data-category-id=\"3\" data-subcategory-id=\"2\"><em><strong>Cash Rewards.<\/strong><\/em> You can redeem Points for a check made payable to You. The minimum redemption amount for a check is $5.<strong>&nbsp;Checks are valid for one hundred eighty (180) days.<\/strong><ul class=\"terms-list-level-3\"><li><em><strong>Shipping and Confirmation.<\/strong><\/em> Your Cash Rewards confirmation letter and check are sent only to your address on record via USPS First-Class<sup>&reg;<\/sup> Mail within one (1) to three (3) weeks of redemption.<\/li><li><em><strong>Cancellations.<\/strong><\/em> All Cash Rewards redemptions are final. Points redeemed for Cash Rewards can't be returned unless we cancel the check and a stop payment is placed, resulting in a return order status and automatic reinstatement of your Points. Please note that a check may be canceled if, for example, there was a misspelling on the check or You never received it. You must call us if You don't receive your Cash Rewards check ten(10) days after shipment. You can find the shipping date on the order history page for your ThankYou Account at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>, or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><\/ul><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>Certain Rewards, such as a statement credit for a Card Account, will reduce the balance on your Card Account, but aren't considered a payment. You must still make the minimum payment due each month, even if the amount of the Reward is greater than the minimum payment due.<\/div>","subHeadingId":2},{"subHeading":"TRAVEL","link":"Travel","termsContent":"<ul class=\"terms-list-level-2\"><li><strong><em>Citi Travel<sup>&reg;<\/sup><\/em><\/strong> provides travel-related Rewards, which is powered by Rocket Travel by Agoda. (&ldquo;Rocket Travel Inc.&rdquo;), a service partner for the Program. You can redeem Points through Citi Travel for airfare, hotels, car rentals, attractions and other travel, if applicable. The terms and conditions included below are only some of the terms and conditions that apply to Citi Travel. You can find a complete list of travel terms and conditions on <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a>. Please review them carefully before redeeming for a Reward.<ul class=\"terms-list-level-3\"><li><strong><em>Contacting the Citi Travel service center<\/em><\/strong><ul class=\"terms-list-level-5\"><li><strong><em>Online.<\/em><\/strong> Travel bookings can be made through Citi Travel. All travel bookings require the use of a Citi eligible credit card or Points from an eligible ThankYou Rewards account.<\/li><li><strong><em>Calling the Citi Travel service center.<\/em><\/strong> Travel bookings can also be made by calling the Citi Travel service center at 1-833-737-1288 (TTY: We accept 711 or other Relay Service). All travel bookings require the use of a Citi eligible credit card or Points from an eligible ThankYou Rewards account.<\/li><\/ul><\/li><\/ul><ul class=\"terms-list-level-3\"><li><strong><em>Points Redemption.<\/em><\/strong> The number of Points required for travel Rewards varies based on a combination of factors including itinerary, date and time of travel. You may redeem for travel Rewards using a combination of Points and dollars. The total number of Points required for a travel Reward will include payment of any taxes, fees and surcharges applicable to that Reward. Taxes, fees and surcharges on travel Rewards may change at any time without notice.<\/li><li><strong><em>Confirmation.<\/em><\/strong> No Point amount, travel Rewards availability, or times of travel are confirmed until the required number of Points have been deducted, and the tickets or travel documents have been issued.<\/li><\/ul><\/li><li><strong><em>Travel Rewards Overview.<\/em><\/strong> Travel Rewards include airline tickets, hotel accommodations, rental cars, and attractions (\"<strong>Travel Rewards<\/strong>\"). Travel Rewards reservations can be made online at thankyou.com or by calling the Citi Travel service center. All Travel Rewards are subject to availability and restrictions of the relevant Supplier. Travel Rewards may not be booked for minors traveling unaccompanied by an adult. ThankYou Rewards has the final authority on all decisions regarding Travel Rewards ticketing, pricing and availability and the interpretation of these Travel Rewards Terms and Conditions.<\/li><li><strong><em>Travel Rewards Information.<\/em><\/strong> The Point-cost of ThankYou Travel Rewards are based on variable amounts. These amounts are based on a combination of factors including itinerary, date and time of travel, and dollar value of travel. The amount of ThankYou Points needed for these Travel Rewards can be researched on thankyou.com. The following guidelines apply to these Travel Rewards:<ul class=\"terms-list-level-3\"><li>No blackout dates<\/li><li>Taxes, fees and surcharges that are collectible by Rocket Travel Inc. are included in the number of ThankYou Points required. Taxes, fees and surcharges are subject to change without notice.<\/li><li>Airline, hotel, car rental, vacation, and attraction/excursion company participation may vary from market to market.<\/li><li>The Citi Travel service center does not hold Travel Rewards reservations.<\/li><li>All bookings made by Rocket Travel Inc. shall comply with all applicable U.S. laws, rules and regulations including, without limitation, sanctions issued by the Office of Foreign Assets Control. Such sanctions may prevent Rocket Travel Inc. from offering travel to specific destinations or individuals. To assist Rocket Travel Inc. with its compliance with laws, rules and regulations, Rocket Travel Inc. may ask You for additional information. Any booking made, or in good faith believed to be made, in violation of U.S. law, will be cancelled by Rocket Travel Inc., in its sole discretion, with no liability to You other than to issue a refund, if permitted by law.<\/li><\/ul><\/li><li><strong> <em>Travel Rewards Point Deductions and Payment Options.<\/em> <\/strong> Redeemed ThankYou Points will be deducted from your ThankYou Member Account at the time of booking. No ThankYou Point amounts, Travel Rewards availability, or dates of travel are confirmed until the required number of ThankYou Points have been deducted, and the tickets or travel documents have been issued. ThankYou Members have the option to redeem for Travel Rewards using a combination of ThankYou Points and their eligible Citi credit card. Additional Travel Reward options not offered through Rocket Travel Inc. may be available through other merchants participating in ThankYou Rewards. These additional Travel Rewards options are not affiliated with or offered through Rocket Travel Inc.<\/li><li><strong><em>Redemptions and Transactions made with Citi Travel <\/em><\/strong><p>All transactions are NON REFUNDABLE and NON CHANGEABLE unless permitted by the terms disclosed at time of booking. You can find a complete list of travel terms and conditions on <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a>. No shows are non-refundable and will result in a forfeiture of all payments made and Points used by You in connection with the reservation, without credit due.<\/p><p>A small number of air carriers may require Rocket Travel Inc. to confirm flight availability when booking. If there is any issue with availability, you will receive an email regarding the status of your booking.<\/p><\/li><li><strong> <em>Travel Rewards Details. <\/em> <\/strong>Travel Rewards cannot be redeemed for cash and have no cash value. Travel Rewards have no residual cash value. Travel Rewards cannot be combined with any other certificates, coupons, discounts, upgrades, awards or promo codes. Travel Rewards are offered as promotional items and are void if sold for cash or other consideration, or if altered or copied, and cannot be reissued if destroyed, lost or stolen. Frequent flyer mileage accrual, usage and upgrades may not be used with Travel Rewards. Travel Rewards are not valid where prohibited by law.<\/li><li><strong> <em>Travel Changes by You.<\/em> <\/strong> All airline tickets, hotel, car rental, vacation packages and attractions booked in exchange for ThankYou Points are nonrefundable, nonendorsable and nontransferable. Changes to bookings are subject to the Supplier&rsquo;s policies, and the fees and conditions described in these terms and conditions. Any additional costs due to a permitted change are your responsibility and will be collected in U.S. dollars, not ThankYou Points, with a credit card in the name of the ThankYou Member. Any change, cancellation or additional collection fees imposed by the airline, hotel, car rental company, or activity provider are the responsibility of the traveler.<\/li><li><strong> <em>Travel Changes and Cancellations by the Supplier.<\/em> <\/strong> Airline, hotel, car rental, and tour operator schedules, terms, points of service and fares are subject to change without notice by the Suppliers. Airline schedule changes, flight cancellations and interruptions, oversold flights, hotels, and attractions are outside of the control of Rocket Travel Inc. and ThankYou Rewards. These situations must be remedied by the applicable travel Supplier and may be subject to Federal or State Regulations. If an airline declares bankruptcy, it is not obligated to carry You or to refund tickets issued before the bankruptcy. Rocket Travel Inc. is not allowed to refund tickets on airlines that have declared bankruptcy. ThankYou Points redeemed for Travel Rewards or money given to Rocket Travel Inc. immediately becomes the property of the airline and ThankYou Rewards and Rocket Travel Inc. is required by law to comply with the airline's orders.<\/li><li><strong> <em>Liability Disclaimer. <\/em> <\/strong>Rocket Travel Inc. acts only as an agent for the Supplier in regards to travel and the travel-related services, and assumes no liability for injury, damage, loss, accident, delay or irregularity which may be caused due to defects in the travel products, acts of God, war, riots, or by any company or person involved in carrying out travel arrangements. Rocket Travel Inc. reserves the right to accept minor adjustments to the booking confirmation provided by the Supplier, where applicable. In the event of the Supplier cancels a booking prior to departure, a full refund will constitute a full settlement of all liability. To the extent applicable, a passenger's ticket(s), when issued, or electronic reservation, shall constitute the sole contract between the Supplier and the purchaser and/or passenger, and Rocket Travel Inc. shall have no liability for any actions or omissions of the Supplier. Rocket Travel Inc. is not responsible for any changes initiated by the passenger after departure.<\/li><li><strong><em>Contacting Rocket Travel, Inc.<\/em><\/strong><p>If there are any questions regarding Rocket Travel, Inc.&rsquo;s full terms and conditions, please visit <a class=\"plainLink\" href=\"https://search.travel.citi.com/info/termsofuse.html\">https://search.travel.citi.com/info/termsofuse.html<\/a><br>Rocket Travel, Inc.<br>641 West Lake Street, Ste. 102<br>Chicago, IL 60661<br>Email: <a href=\"&quot;mailto:concierge@rocketmiles.com\">concierge@rocketmiles.com<\/a><\/p><\/li><li><strong><em>Seller of Travel Registration Numbers <\/em><\/strong> Agoda International USA LLC, part of the Booking Holdings Inc. group of companies, and its relevant affiliates, including Rocket Travel Inc., facilitates the booking of the travel arrangements for You on behalf of Citi Travel. State Seller of Travel registration numbers (or equivalent) for Agoda International USA LLC in the states that require registration are: California (#2149788-50) (registration as a Seller of Travel does not constitute approval by California; Agoda International USA LLC is not a participant in the Travel Consumer Restitution Fund); Florida (#ST43421); Hawaii (#TAR-7458); and Washington (#604-161-566).<\/li><\/ul>","subHeadingId":3}],"link":"RdmRewards","headingId":3},{"termsHeading":"Gift Card Terms & Conditions","subHeadingType":{"subHeading":"GIFT CARD TERMS & CONDITIONS","link":"","termsContent":"<p>This section tells You information about gift card terms and conditions.<\/p><p><strong><em>Gift cards/certificates:<\/em><\/strong> Gift cards/certificates are subject to the terms and conditions set by the merchant who issues the gift card/certificate. Citibank is in no way affiliated with the issuers of the gift cards/certificates nor are they considered sponsors or co-sponsors of ThankYou Rewards. Any use of the merchant names and/or logos is by permission of each respective merchant and all trademarks are the property of their respective owners. For expiration policies and non-usage fees, if any, please refer to the specific merchant&rsquo;s product information page or contact the ThankYou Service Center via 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service). Gift cards/certificates may not be returned, unless damaged or defective.<\/p><p><strong><em>eGift cards/certificates:<\/em><\/strong> eGift cards/certificates allow You to send gift cards/certificates virtually, either by email or text message, instantly or on the date You choose. Text messaging and data rates may apply. When You redeem ThankYou Rewards for a gift card/certificate, we will send you a confirmation email including a link to send the gift card/certificate digitally. Like physical gift cards/certificates, eGift cards/certificates are subject to the additional terms and conditions set by the issuing merchant, which You can find on thankyou.com.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Delivery of physical gift cards/gift certificates.<\/em><\/strong> Physical gift cards and gift certificate Rewards are delivered to P.O. boxes and shipping addresses in the United States and its 5 major U.S. Territories (American Samoa, Guam, Northern Mariana Islands, Puerto Rico and U.S. Virgin Islands) unless otherwise noted on the item detail page or at checkout. Allow one (1) to three (3) weeks for shipment. If You haven't received your gift card/gift certificate Reward within ten (10) days after the shipped date, please let us know. You must contact us within one hundred twenty (120) days of your order date if You have not received your gift card/gift certificate. You can do so either by accessing the 'Order History' section under 'My Account' at <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>, and then clicking 'Return Order' or by calling us at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><li><strong><em>Delivery of Electronic Gift Cards/Gift Certificates.<\/em><\/strong> E-gift cards/certificates and any other virtual Rewards are deliverable only to valid email addresses and telephone numbers. If You do not provide a valid email address or telephone number, then we will not be able to deliver the eGift card/certificate to Your intended recipient or the eGift card/certificate may be sent to an unintended recipient. Citibank will not replace or refund eGift cards/certificates sent to an unintended recipient due to an incorrect email address or telephone number.<\/li><li><strong><em>Cancellation of Gift Cards/Gift Certificates<\/em><\/strong><ul class=\"terms-list-level-3\"><li><strong>Physical Gift Cards/Gift Certificates.<\/strong> Only some orders of physical gift cards/gift certificates may be canceled. We'll let You know on the 'Order History' page if You can cancel your order. You may return physical gift cards/gift certificates due to a defect or damaged shipment by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) and following the customer service agent's instructions.<\/li><li><strong>E-Gift Card/E-Gift Certificates.<\/strong> You can't cancel, return or exchange e-cards or e-certificates.<\/li><\/ul><\/li><\/ul><p><em> <\/em><\/p>","subHeadingId":1},"link":"GCMercTCs","headingId":4},{"termsHeading":"Points Expiration, Suspension and Forfeiture","subHeadingType":[{"subHeading":"POINTS EXPIRATION","link":"PointExpire","termsContent":"<p>This section tells You when and how your Points expire.<\/p><ul class=\"terms-list-level-2\"><li><p><strong>Expiration of Points Acquired through Your Citi ThankYou Card Account.<\/strong> Points You earn using your Citi ThankYou Card Account expire as described in the chart below.<\/p><table class=\"terms-list-table table-columns-halves\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th>If You earned Points using this Citi ThankYou Card Account...<\/th><th>Then...<\/th><\/tr><tr><td><ul class=\"terms-list-level-2\"><li>Citi ThankYou<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/li><li>Citi ThankYou<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> for Select Cardmembers<\/li><li>Citi ThankYou<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> for Core Cardmembers<\/li><\/ul><\/td><td><p>Your Points will expire three (3) years from December 31 of the year You earned them. For example, Points earned on July 31, 2026, will expire December 31, 2029.<\/p><\/td><\/tr><\/tbody><\/table><\/li><li><strong><em>Expiration of Points Received through Point Sharing.<\/em><\/strong> Shared Points expire ninety (90) days after the date You or another Member shared them. For example, Points shared on January 15, 2024, will expire April 15, 2024. <i>Effective May 17, 2026, Point Sharing will no longer be offered as a ThankYou&reg; Rewards redemption option.<\/i><\/li><\/ul><div class=\"call-out\"><h3>TIP:<\/h3>If You have Points that expire, when You redeem your Points for a Reward, we'll deduct the Points with the earliest expiration date first from your ThankYou Account. Find out if any Points will expire in the next sixty (60) days by visiting <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a> and looking under \"My Points Summary\" in the \"My Account\" section. You can also call the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/div>","subHeadingId":1},{"subHeading":"LOSS OR SUSPENSION OF POINTS","link":"LossSusPoints","termsContent":"<p>This section tells You how Points you&rsquo;ve already earned or received may be lost or suspended.<\/p><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong>When Your Card Account is Closed or Converted<\/strong><\/h3><p>How your Citi Account was closed or converted determines how long You have to use Points associated with your Citi Account.&nbsp;<\/p><p>If You have multiple Citi Accounts associated with only one ThankYou Account at the time one of your Citi Accounts is closed or converted to a Citi credit card that does not participate in the ThankYou Program, You will lose only the Points that You earned with the closed or converted Card Account, unless prohibited by law.<\/p><ul class=\"terms-list-level-2\"><li><strong>You Close Your Citi Account or Convert Your Citi Account to an account that does not participate in the ThankYou Program. <\/strong>If You voluntarily close your Citi Account enrolled in the Program, or convert your Citi Account to an account that does not participate in the Program, You must use the Points within ninety (90) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account. You may not cancel enrollment of your Citi ThankYou Card Account in the Program, but we may, from time to time at our discretion, permit you to convert your Citi ThankYou Card Account to a Citi Account that does not participate in the Program<\/li><li><strong>We Close Your Card Account Due to Inactivity or Convert Your Card Account to a card that does not participate in the ThankYou Program<\/strong>. If we close your Card Account due to inactivity, or otherwise convert your Card Account to a card that does not participate in the Program, You must use the Points within ninety (90) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account.<\/li><li><strong>We Close Your Citi Account for any other Reason<\/strong>. If we close your Citi Account for any reason other than inactivity, You will lose your Points immediately, unless prohibited by law.<\/li><li><strong>Limited Online Access<\/strong>. When your Citi Account is closed or converted to an account that does not participate in the ThankYou Program, You will lose access to your ThankYou Account online unless You have one or more open Citi Accounts that participates in the ThankYou Program. You may redeem your Points by contacting the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><li><strong>Limited Rewards Options<\/strong>. Some rewards options require You to have an eligible open Citi Account. When your Citi Account is closed or converted to an account that does not participate in the ThankYou Program, some redemption options may be limited or ineligible such as:<ul><li>Rewards that require an open Card Account that participates in the ThankYou Program<\/li><\/ul><\/li><\/ul><h3 style=\"font-size: 14px; margin: 14px 0; white-space: pre-wrap; line-height: 1.5;\"><strong>When Your ThankYou Account is Closed<\/strong><\/h3><p>Your ThankYou Account may be closed when there are no open Citi Accounts associated with your ThankYou Account, You request to close your ThankYou Account, or your ThankYou Account is closed due to Fraud, Misuse, Abuse or Suspicious Activity.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>All Your Citi Accounts Are Closed<\/em><\/strong>. When your Citi Account closes, and if You have no other open Citi Accounts associated with your ThankYou Account, we will close your ThankYou Account.<\/li><li><strong><em>When Your ThankYou Account Closes<\/em><\/strong><strong>.<\/strong> If You have Points, and your ThankYou Account is closed for any reason, You will lose them immediately, unless prohibited by law.<\/li><li><strong><em>We Cancel the Program<\/em><\/strong>. If the Program is canceled, you&rsquo;ll have ninety (90) days from the Program&rsquo;s cancellation date, or, if required by law, from notification of Program cancellation, to redeem your Points. After ninety (90) days, you&rsquo;ll lose any remaining Points.<\/li><li><strong><em>Temporary Point Suspension for Late Payment<\/em>. <\/strong>If You make a late payment on your Citi ThankYou Card Account, You may not be allowed to redeem Points You earned through that Citi ThankYou Card Account until it is current, and You request that we reinstate those Points. You can make this request on <strong>thankyou.com <\/strong>or by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service).<\/li><li><strong><em>Loss upon Death.<\/em><\/strong> You will lose your Points upon your death, and your estate, successors and assigns have no property rights or other legal interests in such Points, except under these circumstances:<ul class=\"terms-list-level-3\"><li><strong><em>Cash Rewards Option.<\/em><\/strong> If we receive a written request within one (1) year of your death from the executor or administrator of your estate, along with evidence satisfactory to us of your death and the identity and appointment of the executor or administrator, we can allow Points remaining in your ThankYou Account to be redeemed for Cash Rewards. Only a lawfully designated executor or administrator may redeem Points on behalf of the deceased. Contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) for more information.<\/li><\/ul><\/li><\/ul>","subHeadingId":2}],"link":"PntExpSusFor","headingId":5},{"termsHeading":"Changes to these terms and Other Important Information","subHeadingType":[{"subHeading":"CHANGES TO THIS AGREEMENT OR TO THE PROGRAM","link":"AgreeProgram","termsContent":"<p>This section tells You when and how we may change this Agreement and the Program.<\/p><ul class=\"terms-list-level-2\"><li><strong><em>Changes without Notice.<\/em><\/strong> We may make changes to the Program and/or the terms of this Agreement at any time, and if required by law, we will provide 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 <a class=\"plainLink\" href=\"https://www.thankyou.com\">thankyou.com<\/a>.<\/li><li><strong><em>Changes with Notice. <\/em><\/strong>We'll give You thirty (30) days' advance written notice if we make any of the following changes:<ul class=\"terms-list-level-3\"><li>a change that negatively affects the number of Points You can earn<\/li><li>a change that negatively affects when your Points expire or how/when You may lose Points<\/li><li>a change in how You can exercise your rights under this Agreement<\/li><li>if we cancel the Program<\/li><\/ul><\/li><\/ul>","subHeadingId":1},{"subHeading":"FRAUD, MISUSE AND ABUSE; OTHER IMPORTANT INFORMATION","link":"OthrImpInformation","termsContent":"<p>This section tells You that we may take action in response to account fraud, misuse or abuse, including taking away Points and suspending or closing your account. This section also tells You more about the Program and your rights under this Agreement, including information about how we may contact You.<\/p><ul class=\"terms-list-level-2\"><li><p><strong><em>Fraud, Misuse, Abuse, or Suspicious Activity<\/em><\/strong>. 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:<\/p><ul class=\"terms-list-level-3\"><li>Taking away your accrued Points<\/li><li>Stopping You from earning Points<\/li><li>Suspending or closing your ThankYou Account<\/li><li>Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages<\/li><li>Cancelling your Card Account<\/li><\/ul><\/li><li><p><strong>Some examples of fraud, misuse, abuse and suspicious activity include:<\/strong><\/p><ul class=\"terms-list-level-3\"><li>Buying or selling Points<\/li><li>Repeatedly opening a Citi ThankYou Card Account for the primary purpose of acquiring Points<\/li><li>Using your Citi ThankYou Card Account in an abusive manner for the primary purpose of acquiring Points<\/li><li>Using your Citi ThankYou Card Account other than primarily for personal, consumer or household purposes<\/li><li>Points redemptions that You didn't authorize<\/li><\/ul><p>Please contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: We accept 711 or other Relay Service) immediately if You suspect your ThankYou Account is the target of fraud or suspicious activity.<\/p><\/li><li><strong><em>No Cash Value.<\/em><\/strong> Points have no cash value.<\/li><li><strong><em>No Property Rights.<\/em><\/strong> You have no property rights or other legal interests in Points. By operation of law, You can't transfer Points through such events as an inheritance, bankruptcy or a divorce. Points also can't be assigned or pledged.<\/li><li><strong><em>Disputes Between Member and Other Persons.<\/em><\/strong> We're not responsible for disputes between joint obligors of a Citi ThankYou Card Account or a customer and a third party involving Points or any other aspect of the Program.<\/li><li><strong><em>Indemnity.<\/em><\/strong> You agree to indemnify us and our third-party service providers, and all of our and their respective affiliates, directors, officers, employees, agents and contractors, and hold us and them harmless from and against any loss, damage, liability, cost or expense of any kind (including attorneys' fees) arising from our or an authorized user's use of the Program, any fraud, misuse or abuse of the Program, violation of this Agreement and/or violation of any applicable law or the rights of any third party.<\/li><li><strong><em>Limitation on Liability.<\/em><\/strong> You release us, our third-party service providers, and our and their respective affiliates, directors, officers, employees, agents and contractors, for your participation in the Program, including in connection with earning Points, redeeming Points for Rewards and using Rewards, the expiration and forfeiture of Points and changes to or cancellation of the Program. The third-party service providers, including merchants and contractors, that participate in the Program aren't affiliated with us, and we and our affiliates, directors, officers, employees and agents aren't responsible for, and You release us from, any liability arising in connection with products and services provided by those third-party service providers, including Rewards and/or any such services provided in connection with Rewards, such as delivery or servicing.<\/li><li><strong><em>Void Where Prohibited by Law.<\/em><\/strong> The Program and/or any feature of the Program are void where prohibited by federal, state or local law or regulation and are subject to change as necessary to comply with law or regulation.<\/li><li><strong><em>Notices and Communications.<\/em><\/strong> We may send communications about the Program to You at any mailing or email address on our records or through our online services. You agree that we (and/or our service providers or anyone we authorize) may contact You at any phone number, email address or mailing address You provide or we obtain in other ways. This includes communications to mobile, cellular/wireless, or similar devices. We may contact You by live operator, auto-dialer, recorded or artificial voice, text or email. You agree to pay any charges from your plan provider for communications we send to You, as well as communications You send to us. We may use voice recognition technology to verify your identity when You call. We may capture and store your voiceprint for this purpose.<\/li><\/ul>","subHeadingId":2},{"subHeading":"Incorporation Of Citi Account Terms And Conditions","link":"IncAccTC","termsContent":"<p>This section tells You that certain terms in your Citi ThankYou Card Account agreement also apply to this Agreement.<\/p><p>The agreement governing your Citi ThankYou Card Account is incorporated into this Agreement for purposes of governing law, enforcement rights and dispute resolution, including any arbitration provision contained in it.<\/p><p><strong>Read your Citi ThankYou Card Account agreement for these important provisions.<\/strong><\/p><p>&copy; 2026 Citibank, N.A.<br>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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.<\/p>","subHeadingId":3}],"link":"ChngImpInfo","headingId":6}],"introTitle":"Citi ThankYou<sup>®<\/sup> Rewards Terms and Conditions for Citi ThankYou<sup>&reg;<\/sup> Card Accounts"}}}