CITI REWARDS+^® CARD

The most common way for Citi Rewards+^® Card cardmembers to earn Citi ThankYou^® Points is to use their Citi^® account for their everyday purchases — it's that straightforward.

Cardmembers may be provided with promotional offers that let them earn Points. However, if Citi^® makes a promotional offer, we'll let you know the specific terms and conditions that apply, so you can get the most value from your Citi Rewards+^® Card.¹

You'll earn points on every purchase you make and then we'll round those points up to the nearest 10 points. So if you buy your morning coffee for $2.31, we'll round it up to 10 points. If you spend $10.99 on lunch, we'll round it up to 20 points. There is no minimum or maximum purchase amount – your points will always be rounded up to the nearest 10 on every purchase.

You'll get 10% points back on all redemption options (gift cards, travel rewards, and shop with points to name a few) for the first 100,000 ThankYou Points you redeem per year. For example, redeem 10,000 points for a $100 gift card and receive 1,000 points back.

The Citi Rewards+^® Card may offer a low intro APR on balance transfers and for purchases made using the card. The variable APR for purchase will be based on your creditworthiness and you will be informed of your APR once your application is approved.

The Citi Rewards+^® Credit Card provides you access to features that may give you some peace of mind:

• Instantly lock your card if it’s lost or stolen with Citi^® Quick Lock
• After 30 days of your account opening, you’ll free be able to access to your FICO score as a Citi Rewards+ cardmember
• Your card will have enhanced security with EMV Chip technology when used at merchants with chip enabled terminals

How do I apply for the Citi Rewards+^® Credit Card?

The application process for the Citi Rewards+^® Card is easy and straightforward. Learn more and apply online.

How do I use my Citi Rewards+^® Credit Card invitation number?

To take advantage of your Citi Rewards+^® Card offer and apply:

1. Visit the URL printed on your mail piece, corresponding to the offer.
2. Enter the invitation number printed on your invitation.
3. Enter your last name.
4. Click the button that follows to proceed to your application.
5. Complete and submit your application.

Does Citi Rewards+^® charge an annual fee?

There is no annual fee^* for the Citi Rewards+^® Credit Card. Cardholders may encounter other fees while using their Citi Rewards+^® Card for services such as cash advances and balance transfers.

How do I redeem ThankYou^® Points from my Citi Rewards+^® Credit Card?

The process for redeeming your Citi ThankYou^® Points that you earned with your Citi Rewards+^® Card is easy and straightforward. You can redeem your Citi ThankYou^® Points either online or by calling the ThankYou^® Service Center.

To redeem your Points online:

1. Go to www.thankyou.com to view our entire rewards collection.
2. Add what you want to your cart.
3. From your cart, you can place your order*. You can also redeem your Points for travel rewards online.

*Select items are only redeemable through the ThankYou^® Service Center, such as student loan rebate rewards and monthly mortgage payment rewards.

To redeem your Points by phone:

1. Call the ThankYou^® Service Center at 1-800-THANKYOU (1-800-842-6596). Outside the U.S., please call collect at 859-283-8016. TTY: Use 711 or other relay service.
2. Our hours of operation are Monday to Friday between 8 a.m. and 1 a.m. ET, Saturday, and Sunday between 9 a.m. and 9 p.m. ET.
3. Citi ThankYou^® Card members who would like to redeem their Points for a cruise, travel package or all-inclusive vacation, should contact the ThankYou^® Service Center Monday through Friday between 9 a.m. and 9 p.m. ET and Saturday between 9 a.m. and 5 p.m. ET.

Is there a minimum credit score for the Citi Rewards+^® Credit Card?

Yes. Cardmembership for the Citi Rewards+ Card is dependent on the applicant's creditworthiness. Citi reserves the right to set criteria for qualification.

1. To learn more, see additional details.
2. To check your credit score, visit one of the three credit bureaus; Experian, Equifax, TransUnion, or you can receive one free credit report per year from AnnualCreditReport.com.

What are the ThankYou^® Points bonus categories for the Citi Rewards+^® Credit Card?

The Citi Rewards+^® Card offers cardmembers bonus points after they have fulfilled the terms of the offer.

• 2 ThankYou Points for each $1 spent on purchases at supermarkets and gas stations, for the first $6,000 per calendar year and then 1 ThankYou Point for each $1 spent thereafter.²
• 1 ThankYou Point for each $1 spent on other purchases including the non-qualifying purchases.²

How does Round Up Points work with the Citi Rewards+^® Credit Card?

The Citi Rewards+^® Credit Card automatically rounds up to the nearest 10 points on every purchase. For example, a $2.00 coffee earns 10 points. A $12 meal earns you 20 points. There is no cap on purchases made with your Citi Rewards+^® Credit Card that are rounded up.