Citibank rewards programs

Use your card on the purchases that'll earn you the most rewards.

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There are five types of Citibank rewards credit cards. They offer perks such as cash back, round-trip flights and statement credits toward Costco purchases. Finding the right program to match your lifestyle will help you rack up points and earn the rewards you want.

How does a Citi rewards program work?

As you purchase items with your credit card, you accumulate points that can later be exchanged for rewards such as flights, gift cards and cash. If you have multiple Citibank rewards credit cards, remember to use them on the purchases where they earn the most rewards.

What are the types of Citi rewards programs?

    • Citi ThankYou rewards
      This program lets you earn points on everyday spending and is redeemable for a large catalog of rewards, from travel rewards and gift cards to cash and mortgage payments. With five ThankYou card options, you’re likely to find a fit here.
    • American Airlines AAdvantage
      This program earns you AAdvantage miles, which can be redeemed on travel with American Airlines or American Eagle, as well as at over 10,000 hotels and car rental companies in 320 locations. There are four American Airlines AAdvantage cards to choose from.
    • Citi cash back program
      This program gives you cash back on all purchases. Get the most out of your experience by picking one of the three available cash back cards that best fits your shopping habits. But keep in mind, you can only redeem the Costco cards’ cash back at Costco locations.
  • Other rewards credit cards
    Citibank used to offer more rewards credit cards, but now you can only get the Expedia card. With this card, you can earn Expedia Rewards points, which you can redeem toward travel rewards.

How to compare rewards programs

While it may seem like all Citibank rewards cards offer the same benefits, there are other important factors to consider before making your decision. Try focusing on the following points:

  • Interest rates. Double-check that you’re able to manage the interest rates if you fail to pay your balance in full. Rewards cards won’t be much fun if you nullify them with interest payments.
  • How points are earned. Take a look at what types of purchases can earn you points and assess whether or not they match your lifestyle.
  • What’s the annual fee? If you’re not spending or earning points, ask yourself if the annual fee is worth it. You don’t want fees to overshadow rewards.

Pros and Cons of the Citi rewards programs

As with any program, there are benefits and drawbacks to the Citi rewards programs. Keep in mind, however, that they largely depend on the card you choose.

Pros

  • No points cap with most Citibank rewards cards. Without a limit or expiration date on points, you’ve got greater earning potential and can save longer.
  • Redeem points for gift cards. You can do this at a wide range of stores such as Starbucks, Banana Republic and Bed Bath & Beyond.
  • Access to premium perks. The ultimate Citi rewards credit cards come with premium perks such as priority boarding, Admiral’s Club membership, complimentary hotel stays and travel credit.

Cons

  • High APR and annual fee. Rewards cards often come with high APRs. And if you want the premium perks, expect to pay a premium annual fee.

Compare Citibank® credit cards

Updated October 23rd, 2019
Name Product Filter values Rewards Purchase APR Annual fee
1% cash back when you make purchases and 1% cash back when you pay off your card
15.74% to 25.74% variable
$0
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases for double cash back.
3x points on travel and gas, 2x points on dining and entertainment and 1x points on everything else
17.74% to 25.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
16.99% variable
$0
Earn 4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases.
2x miles on American Airlines and 1x miles on everything else
17.49% to 25.49% variable
$450
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
2x miles on American Airlines, dining, and gas and 1x miles on all other purchases
17.74% to 25.74% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.

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Bottom line

To get the best value out of a Citi reward credit card, choose a card that fits your lifestyle and budget. Some cards reward big spenders, while others are more suited for everyday shopping.

Before applying for a card, compare all credit card options until you find an offer that matches your needs.

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2 Responses

  1. Default Gravatar
    JanineNovember 29, 2018

    How can I redeem my points?

    • Avatarfinder Customer Care
      nikkiangcoDecember 5, 2018Staff

      Hi Janine,

      Thanks for reaching out! To redeem your Citibank Rewards, you must log-in on your account at the Citibank website. Once logged in it will show how much points you’ve accumulated and what you can redeem with your rewards. Hope this help!

      Best,
      Nikki

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