Citi

Additional Information - Citi Rewards+^® Card

Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn't responsible for products and services offered by other companies.

20,000 Bonus Point Offer

Balance transfers, cash advances, checks that access your card account, purchases returned/refunded for credit, unauthorized charges, interest and account fees, traveler's checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) are not purchases and do not count towards earning your bonus. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Bonus ThankYou^® Points are not available if you have received a new account bonus for a Citi Rewards+^® account in the past 48 months.

Citi Travel Portal Special Offer:

Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal on Cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 11:59 PM ET 12/31/2025.

You earn 1 ThankYou^® Point per $1 spent on the Citi Travel portal bookings. You will earn an additional 4 bonus ThankYou^® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 (TTY: 711) through 11:59 PM ET 12/31/2025. The booking must post to your account during the promotional period to qualify.

This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Rewards+^® Card registered at the Citi Travel portal to earn the bonus points. For bookings made with a combination of points and your Citi Rewards+^® Card, only the portion paid with your card will earn points. Bonus points will take up to 3 billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled 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 Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

Citi^® ThankYou^® Rewards

Summary of the Citi Rewards+ Card Terms and Conditions

With the Citi Rewards+ Card, you can earn ThankYou Points for purchases made on your card.

Unless you are participating in a limited—time offer, you will earn:

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

Certain Non-Qualifying Purchases

Supermarkets— 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 2X Points for purchases made at online supermarkets if the merchant does not classify itself as a supermarket by using the supermarket merchant code.

Gas stations— Excludes purchases made for commercial purposes or used for non-automobile purposes. You also won't earn 2X Points if the merchant does not classify itself as a gas station by using the gas station merchant code. Therefore, you may not earn 2X Points for purchases made at warehouse clubs, wholesale clubs, superstores, discount stores, department stores, and convenience stores.

Merchant Classification for Rewards Categories

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't control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card 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't grouped into that category, as recognized by Citi, your purchase will not qualify for additional rewards. For example, you won't earn additional points for supermarket purchases if the merchant is not assigned a supermarket-related code. Please also note — 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.

Round Up

For every purchase that earns ThankYou Points, your ThankYou Points will be rounded up to the nearest 10 points so that the total ThankYou Points awarded for any purchase is in a 10-ThankYou-Point increment ("Round Up"). For example, if you purchase an item that costs $3.48, you'll receive 10 ThankYou Points; and if you purchase an item that costs $9.51, you'll receive 10 ThankYou Points. Points are rounded after the additional points are awarded for 2X qualifying purchases. For example, if you make a $7 purchase that earns 2X Points, that purchase would qualify for 14 ThankYou Points, which will be rounded up to 20 ThankYou Points.

10% Points Back from Redemptions

When you redeem your ThankYou Points, you'll receive 10% points back for the first 100,000 ThankYou Points redeemed per calendar year. This means that if you redeem 10,000 ThankYou Points, you'll receive 1,000 ThankYou Points from the 10% Points Back feature. You will not receive 10% Points Back on points you redeem on Points Sharing transactions.

The Citi Travel℠ Site

Book your travel on Cititravel.com or the Citi Travel site for air, hotels, cars and more with no blackout dates. Travel services are provided by Rocket Travel (Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com), a service partner for ThankYou Rewards, and include airline tickets, hotel accommodations, rental cars and attractions. Travel Rewards reservations must be made online at the Citi Travel site via Cititravel.com or call 1-833-737-1288 (For TTY: Use 711 or other Relay Service). All Travel Rewards are subject to availability and restrictions of the relevant travel supplier.

Reward Cap

When you reach a reward or benefit cap (e.g., you spend $6000 on purchases at supermarkets and gas stations to earn 2X Points on these purchases), and you return items (reducing your spending within that category), you will earn 1X Points for purchases even if those purchases would have otherwise qualified for 2X Points.

Only Purchases Earn Points

You'll earn Points for purchases using your Card Account, minus rewards and refunds. Balance transfers, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash—like transactions), lottery tickets, gaming chips (and similar betting transactions) do not earn ThankYou Points.

Open and Current Card Account

You may earn ThankYou Points as long as your Card Account is open and current. You will not earn points from Round Up or receive 10% Points Back if your account is closed.

Changes to the ThankYou Rewards program

ThankYou Rewards may be terminated with 30 days prior written notice. If ThankYou Rewards is terminated, you will have 90 days from ThankYou Rewards termination date, or if required by law, from notification of termination, to redeem all your accumulated ThankYou Points. The ThankYou Rewards program may be changed at any time, and if required by law, we will provide notice. Rewards offered by ThankYou Rewards and the ThankYou point levels required for specific rewards are subject to change without notice.

When You Will Receive Points

ThankYou Points earned from purchases, Round Up, and ThankYou Points earned from 10% Points Back, post to your Card Account at the close of each billing cycle, and at that time we will transfer the ThankYou Points you earned to your ThankYou Member Account. (Points from Round Up and 10% Points Back are not considered Bonus ThankYou Points. Bonus ThankYou Points may take one to two additional billing cycles to post to your Card Account.) ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account.

Please see the Citi ThankYou Rewards Terms and Conditions at thankyou.com/terms, or call us at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service) to request a complete copy of the Terms and Conditions. The Terms and Conditions include redemption information on the Citi ThankYou Rewards Program.

Fraud, Misuse, Abuse, or Suspicious Activity

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:

• Taking away your accrued Points
• Stopping you from earning Points
• Suspending or closing your Citi Account or ThankYou Account
• Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages

Some examples of fraud, misuse, abuse and suspicious activity include:

• Buying or selling Points
• Repeatedly opening Card Accounts or Citibank Checking Accounts for the primary purpose of acquiring Points
• Using your Card Accounts or Citibank Checking Account in an abusive manner for the primary purpose of acquiring Points
• Using your Card Account other than primarily for personal, consumer or household purposes
• Points redemptions that you didn't authorize

Please contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (TTY: 711) immediately if you suspect your ThankYou Account is the target of fraud or suspicious activity.

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