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 rewards credit cards from Citibank, a finder.com advertising partner. 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.

Our pick for a Citi ThankYou rewards card

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
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Compare Citibank® credit cards

Updated January 26th, 2020
Name Product Filter values Rewards Purchase APR Annual fee
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 14.99% to 24.99% variable)
$0
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Citi Simplicity® Card
N/A
0% intro for the first 12 months (then 16.24% to 26.24% variable)
$0
Enjoy one of the longest intro APRs on balance transfers, no late fees, no penalty rate and no annual fee.
Citi® Secured Mastercard®
N/A
23.99% variable
$0
A no annual fee secured card for people who are new to credit or have limited credit history with a fair to average credit score.
Citi Premier℠ Card
3x points on travel and gas, 2x points on dining and entertainment and 1x points on everything else
17.49% to 25.49% 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.
Citi Prestige® Credit Card
5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases
17.24% to 25.24% variable
$495
Earn 50,000 points after spending $4,000 in the first 3 months. All information about this card has been collected independently by Finder.

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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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