Citi® Double Cash Card Terms and Conditions and Citi ThankYou® Rewards Terms and Conditions for Citi Double Cash Card Accounts effective 3/28/2022

Citi ThankYou

Rewards

Terms and Conditions for

Citi

Double Cash Card Accounts

Information about this agreement

and definitions

2 ...................................................................

Tells You what this Agreement governs and how it’s

structured. This section also deﬁnes certain terms used

throughout this Agreement.

.......................................

Your ThankYou

Account(s) 3

Tells You ho

w Y

ou may get a ThankYou Account and

provides information about managing your account(s).

Acquiring Points 4

...............................................................

Tells You general rules about how to get Points and

describes how Points are earned.

Redemption and Rewards 7

............................................

Tells You how and when You can redeem Points and

provides information about delivery, cancellation and

return of certain Rewards.

Certain Reward Options 8

...............................................

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.

Points Expiration 28

...........................................................

Tells You if, when and how your Points may expire.

Loss or Suspension of Points 28

.................................

Tells You how Points you’ve already earned or received

may be lost or suspended.

Changes to this Agreement or to the

Program

................................................................................

Tells You when and how we may change this Agreement

and the Program.

Fraud, Misuse and Abuse; Other Important

Information

.........................................................................

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.

..................................................

Incorporation of Card Account

Terms and Conditions

Tells You that certain terms in your Card Account

agreement also apply to this Agreement.

Citi ThankYou

Rewards Terms and Conditions for

Citi

Double Cash Card Accounts

Agreement, Definitions and Accounts

Information About this Agreement

and Definitions

Last Updated: March 2022

This section tells You what this Agreement governs and how

it’s structured. This section also deﬁnes certain terms used

throughout this Agreement.

This Agreement.

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’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.

In the blue boxes throughout this Agreement are helpful tips

and additional information about the ThankYou Program.

•

Definitions

. The following terms, when used in this

Agreement, have the meanings below:

• Agreement – Refers to the entire Citi ThankYou Rewards

terms and conditions.

• Card Account – A Citi Double Cash credit card account

issued in the United States by Citibank.

• Citi Accounts – An account associated with a Citibank

product or service, such as a Card Account or a Citibank

checking account, that participates in the Program.

• Citibank, we, us and our – Citibank, N.A.

• Member(s) – A participant in the Program.

• Participating Partner - 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.

• Point(s) – Loyalty Points provided through the Program.

• Program – The Citi ThankYou Rewards loyalty program.

• Reward(s) – Items, services, credits, cash and cash

equivalents or other offerings for which Points can be

redeemed through the Program.

• Shop with Points – ThankYou members with an

eligible Citi

credit card can use ThankYou

Points at

Participating Partners. There are two types of Shop with

Points partners: Use Points for Purchases and Use Points

for Statement Credits.

• ThankYou Account – 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.

• You and Your – You, as a Member.

Your ThankYou Account(s)

This section tells You how You will get a ThankYou Account

and provides information about managing Your account(s).

Setting up a ThankYou Account

• We’ll give You 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.

•

Combining Your ThankYou Accounts. If You have

multiple ThankYou Accounts, You can combine them into

one ThankYou Account at thankyou.com or by calling the

ThankYou

Service Center at 1-800-THANKYOU

(1-800-842-6596) (TTY: Use 711 or other Relay Service).

You can check Your Points balance in the “My Point

Summary” section of “My Account” at thankyou.com or by

calling the ThankYou Service Center at 1-800-THANKYOU

(1-800-842-6596) (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.

Acquiring Points

This section tells You general rules about how to get Points

and describes how Points are earned.

Here’s how You can acquire Points:

•

Use of Your Card Account.

You can earn Points by using

Your Card Account as described below.

•

Promotional Offers.

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.

•

Negative Point Balance.

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.

Other ways to get Points

Purchasing Points. If You don’t have enough Points for a

Reward You want, and You have Points in Your

ThankYou Account, You may be able to purchase additional

Points by calling the ThankYou

Service Center at

1-800-THANKYOU (1-800-842-6596) (TTY: Use 711 or other

Relay Service). At the time of Your purchase, we’ll let You

know of any additional restrictions or other terms that apply.

•

Points Sharing.

You may give Points to another Member’s

ThankYou Account. The total number of Points a Member

can share is 100,000 Points in a given calendar year and

the total number of Points a Member can receive from

other Members is 100,000 Points in a calendar year.

Points can’t be shared with any third party, except through

the Points Sharing feature. Points Sharing is subject to

certain limitations, terms and conditions. Those additional

limitations, terms and conditions will be disclosed at the

time You share Points.

Earning Points with Your Card Account

•

Purchases and Eligible Payments Earn Points.

You’ll

earn Points for purchases using Your Card Account, minus

returns and refunds and You’ll earn Points for Eligible

Payments as described below.

•

ThankYou

Points on Purchases:

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

“ThankYou Points on Purchases.”

•

The following transactions are not 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’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

Flex Loans, the creation of

Citi

Flex Pays, Card Account fees and charges (such as

late fees and ﬁnance charges), and fees for services or

programs You elect to receive through us.

•

ThankYou Points on Eligible Payments:

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 “Purchase

Tracker” below). The balance in Your Card Account’s

Purchase Tracker will be reduced by the amount of Eligible

Payments You make. When the Purchase Tracker reaches

$0, You won’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 “ThankYou Points on Payments.”

•

“Eligible Payments” 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

“When You will not earn Points.” The redemption of Points

for a statement credit is not an Eligible Payment and will

not reduce the balance in Your Purchase Tracker.

Purchase Tracker: 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

“ThankYou

Points on Purchases”) less Eligible Payments

made on Your Card Account, subject to “When You will not

earn Points” as detailed below. You will only earn Points on

Eligible Payments up to the balance shown on Your Card

Account’s Purchase Tracker.

When You will not earn Points:

• If Your Card Account is closed for any reason, You will not earn

Points on purchases or Eligible Payments as of the closure date.

• 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

“Reinstatement of Points” below). You will also not earn

Points for future purchases until You become current.

•

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’s Purchase Tracker at

the time You make the Eligible Payment.

When You will receive Points:

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).

Redemption and Rewards

This section tells You how and when You can redeem Points

and provides information about delivery, cancellation and

return of certain Rewards.

•

Who may redeem

. Only You can redeem Points from Your

ThankYou Account, unless we tell You otherwise. Authorized

users on Your Card Account may use Your Points on

websites and/or mobile applications of participating Shop

with Points merchants who use Your Card Account number

when linking to Your ThankYou Account.

•

When Points may be redeemed

. Once Points appear in

Your ThankYou Account, they’re available for redemption.

Find out what You currently can get with Your Points by

logging into Your ThankYou Account at thankyou.com.

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.

Additional information on redeeming Points

•

Insufficient Point balance.

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.

•

No warranties.

Citibank, its afﬁliates and any merchants

participating in the Program make no guarantees,

warranties or representations of any kind concerning the

Program.

•

No liability for Rewards.

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.

•

No affiliation with Rewards merchants.

Participating

Rewards merchants aren’t afﬁliated with or responsible for

administration of the Program.

•

Availability of Rewards.

The availability of any Reward

isn’t guaranteed.

•

Point value may vary.

The value of a Point may vary

depending on the Reward for which it’s being redeemed.

We have the right to change the “Points to dollar

conversion rate” for Rewards at any time.

Even though two Rewards may have the same value in

dollars, they may have a different cost in Points.

Taxes

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 — consult with Your tax advisor.

Certain Reward Options

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.

Reward-Specific Terms and Conditions

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 — e.g., limiting Your use of a gift card in certain

cases. Some of those terms and conditions can be found

at thankyou.com. 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.

Additional Rewards not listed below may be available

on thankyou.com. Before You redeem Points for one of

those Rewards, we’ll give You any additional terms and

conditions that apply.

Shop with Points

•

Shop with Points

- You can use ThankYou

Points online

and in-person at Shop with Points Participating Partners.

There are two types of Shop with Points redemption

options: Use Shop with Points for Purchases and Use

Shop with Points for Statement Credits. You can use

Shop with Points for Purchases at certain online

Participating Partners and for in-person purchases at

certain other Participating Partners.

•

Shop with Points — Use Points for purchases at online

Participating Partners.

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. 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:

• Auto-enrollment

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’s account. If You are

automatically enrolled, Your ThankYou Account will be

linked to the online Participating Partner’s account using

the Card Account in the online Participating Partner’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.

• Self-registration

You may enroll in Shop with

Points through the self-registration process at online

Participating Partners. 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. 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.

•

Shop with Points — Use Points for in-person purchases

at certain other Participating Partners.

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 and/or swipe

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. You

will have the option to accept or decline to use Points for

in-person purchases at certain Participating Partners.

•

Shopping with Points.

Citi will deduct from Your

ThankYou Account balance the number of Points You

redeem for Your purchase. A Participating Partner

may restrict the use of Points for purchases of select

items. Your ThankYou Account balance may not reﬂect

redemptions for pending purchase transactions until

the purchase has shipped. 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’s return and refund policy, which may

include restocking fees. Participating Partner websites

can be found in the FAQs 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. Participating Partner’s

terms and conditions apply to purchases using Points at

the Participating Partner’s website and links to these are

available in the FAQs at thankyou.com.

•

Shop with Points - Use Points for Statement Credits

You can redeem available Points for a statement credit to

Your Card Account when making purchases at Participating

Partners’ 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’ websites or mobile

applications.

· 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 Points for

statement credits when using Your Card Account on

the websites or mobile applications of all or any of the

Participating Partner, please call the ThankYou

Service

Center at 1-800-THANKYOU (1-800-842-6596) (TTY: Use

711 or other Relay Service).

· You can use Points for statement credits when making a

purchase at the Participating Partner’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.

· When You use Points for statement credits the following

will occur:

· Your Card Account will be charged for the full amount of

the purchase.

· 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.

· 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.

· Statement credits will post to Your Card Account within

two to three (2 – 3) business days of redemption.

· The purchase(s) will be subject to interest, as are any

other purchase(s) on Your Card Account.

· If there are no ThankYou

Points available for redemption

at time of purchase, a statement credit will not be issued.

· 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.

· The purchase and corresponding statement credit may

appear in different statement cycles.

· If a statement credit is not issued or is delayed, and a

purchase made using Points for statement credits incurs

any interest or fees, You agree that Citibank has no

liability to You.

· Returns and refunds are subject to the Participating

Partner’s return policy, which may include restocking fees.

· 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.

· We may set minimum and/or maximum Points

redemption requirements for Points for statement credits

at any time.

· We have the right to change the Points to dollar conversion

rate for Points for statement credits at any time.

· We may modify or terminate Points for statement credits

at any time without notice.

Charitable contributions

You can redeem Points for a check made payable to a

charity listed on thankyou.com, in denominations of

$25, $50 and $100 only.

Shipping and confirmation

. Your charitable

contribution check is sent via USPS First-Class

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.

Participating charities

. Participating charities are

subject to change. We may discontinue our relationship

with any charity, at any time, without notice.

Taxes

. Consult Your tax advisor to determine if Your

redemption of Points toward a charitable contribution is

tax deductible.

•

Student loans or mortgage payments

. You can redeem

Points for a check to pay Your student loans or mortgage

in denominations of $25, $50, $75, $100, $250, $500,

$750 and $1000 only. Checks are payable to Your ﬁnancial

lending institution and are valid for one hundred eighty

(180) days after redemption. Call the ThankYou

Service

Center at 1-800-THANKYOU (1-800-842-6596) (TTY: Use

711 or other Relay Service) to redeem Your Points for these

payment checks.

Shipping and confirmation

. Your conﬁrmation letter

and check are sent only to Your address on record via

USPS First-Class

Mail within one (1) to three (3) weeks

of redemption.

No liability for payments

. We’re not responsible for

payment to Your ﬁnancial lending institution. It’s Your

sole responsibility to issue payment to Your ﬁnancial

lending institution for mortgages or student loans.

Contact Your ﬁnancial lending institution regarding

Your mortgage and student loan payment policies and/

or restrictions speciﬁc to accepting multiple checks for

monthly payments, third-party checks and/or partial

monthly payments.

Cancellations

. All student loans and mortgage

payment redemptions are ﬁnal. Points redeemed for

payments toward student loans and mortgages 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 Points into Your ThankYou

Account. Please note that a check may be cancelled if,

for example, there was a misspelling on the check or

You never received it. If You haven’t received the check

within three (3) weeks of redemption, please report it to

us as lost or stolen.

•

Statement credit for Card Accounts

. You can redeem

Points for a statement credit in any denomination, which

will be applied to Your Card Account. You must still

make the required minimum payment due on Your

Card Account. You may request a statement credit on

thankyou.com or when making a payment on Your Card

Account at citi.com or on the Citi Mobile

App. You’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. Statement credits may not be cancelled.

•

Direct deposits

. 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. Non-Citi savings or checking accounts

are veriﬁed by using that non-Citi savings or checking

account to pay the Card Account at least two times. 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.

•

Check

. You can redeem Points for a check made payable

to You. The minimum redemption amount for a check is

$5. Checks are valid for one hundred eighty (180) days.

Shipping and confirmation

. Your check redemption

conﬁrmation letter and check are sent only to Your

address on record via USPS First-Class

Mail within one

(1) to three (3) weeks of redemption.

Cancellations

. All check redemptions are ﬁnal. Points

redeemed for a check 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 cancelled

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 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: Use 711 or other Relay Service).

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.

•

Combined ThankYou Account

. Certain redemption

options not available to Card Account Members may be

available if You have multiple ThankYou Accounts and

chose to combine ThankYou Accounts.

•

ThankYou

Travel Center

. The “ThankYou Travel Center”

provides travel-related Rewards that are fulﬁlled by

cxLoyalty Travel Solutions LLC, (“cxLoyalty”) a service

provider for the Program. You can redeem Points through

the ThankYou Travel Center for airfare, cruises, hotels, car

rentals and other travel. The terms and conditions included

below are only some of the terms and conditions that

apply to ThankYou Travel Center Rewards. You can ﬁnd a

complete list of travel terms and conditions on

thankyou.com. Please review them carefully before

redeeming for a Reward.

•

Contacting the ThankYou Travel Center.

Online

. Travel bookings can be made through the

ThankYou Travel Center by visiting thankyou.com.

Calling the ThankYou

Travel Center

. Travel bookings

can also be made by calling the ThankYou Travel Center

at 1-800-THANKYOU (1-800-842-6596) (TTY: Use 711 or

other Relay Service). Air travel reservations made by

calling the ThankYou Travel Center will be subject to a

$23.00 fee per ticket. This fee will not be included in the

number of Points required for a travel Reward and will

require use of a Citi Eligible credit card.

•

Points Redemption

. 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 with the exception

of the fee for air travel reservations made by calling the

ThankYou Travel Center. Taxes, fees and surcharges on

travel Rewards may change at any time without notice.

•

Confirmation

. No Point amount, travel Rewards availability,

or times of travel are conﬁrmed until the required number

of Points has been deducted, and the tickets or travel

documents have been issued.

Travel Rewards overview

Travel Rewards include airline tickets, hotel accommodations,

rental cars, cruises, destination activities/excursions, and

vacation packages (“Travel Rewards”). Travel Rewards

reservations can be made online at thankyou.com or by

calling the ThankYou Travel Center. Air travel reservations

made by calling the ThankYou Travel Center will be subject

to a $23.00 fee per ticket. All Travel Rewards are subject to

availability and restrictions of the relevant Supplier. Travel

Rewards may not be booked online for minors traveling

unaccompanied by an adult. Please contact the

ThankYou

Travel Center for assistance with

unaccompanied passengers under 18 years old for ﬂight

and hotel reservations and under 25 years old for car rental

reservations. 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.

Travel Rewards information. 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:

No blackout dates

Taxes, fees and surcharges that are collectible by cxLoyalty

are included in the number of ThankYou

Points required

with the exception of the fee for air travel reservations made

by calling the ThankYou

Travel Center. Taxes, fees and

surcharges are subject to change without notice.

Airline, hotel, car rental, vacation, cruise, and activity/excursion

company participation may vary from market to market.

ThankYou Travel Center does not hold Travel Rewards

reservations.

All bookings made by cxLoyalty 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 cxLoyalty

from offering travel to speciﬁc destinations or individuals.

To assist cxLoyalty with its compliance with laws, rules

and regulations, cxLoyalty 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

cxLoyalty, in its sole discretion, with no liability to You other

than to issue a refund, if permitted by law.

Airline and Baggage Liability. For information regarding

airline liability limitations, baggage liability and other

regulations of the Warsaw Convention, as modified by the

Montreal Convention, and other regulations, please consult

Your air carrier.

Travel Rewards Point deductions and payment options.

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 has 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 or debit

cards. Additional travel reward options not offered through

cxLoyalty may be available through other merchants

participating in ThankYou Rewards. These additional travel

rewards options are not afﬁliated with or offered through

cxLoyalty.

General travel information.

Government-issued photo

identification is required at check-in and must match the

name on the reservation. If this is an international trip,

this reservation requires a passport and may require a

visa and satisfaction of health requirements. For foreign

entry requirements, go to travel.state.gov or contact

the embassy/consulate of the country to which You are

travelling, including any stop-over/lay-over locations, to

determine entry documentation and other requirements,

such as immunizations that You must satisfy, including

return entry into the country of departure. It is Your

responsibility to obtain proper travel identiﬁcation and

satisfy all requirements for all locations on Your trip,

including layover and stopover destinations. Carriers cannot

board any passenger who fails to carry required documents.

Minors under the age of 18 who are traveling with only one

parent may be required to have additional documentation.

Please contact Your airline, cruise line, tour operator or

the embassy/consulate of the country to which You are

traveling for additional information. cxLoyalty does not

have any special knowledge regarding the suitability for

disabled persons for any travel itinerary and it has no special

knowledge regarding unsafe conditions, health hazards,

weather hazards, or climate extremes at locations to which

You may travel.

For information concerning possible dangers at international

destinations, cxLoyalty recommends contacting the

Travel Advisory Section of the U.S. State Department at

202-647-5225 (TTY: Use 711 or other Relay Service). For

medical information, cxLoyalty recommends contacting the

Centers for Disease Control and Prevention at 800-232-4636

(TTY: Use 711 or other Relay Service). For foreign health

requirements and dangers, go to http://www.cdc.gov/travel.

Special requests made to a Supplier are on a request only

basis and cannot be guaranteed. Fees, taxes and charges

may apply, depending on the service request.

Upgrades are not permitted on certain itineraries. Please

check with the Supplier directly.

Supplier policies are subject to change at any time without

notice.

cxLoyalty is not responsible for any lost or damaged luggage.

Certain rate types do not permit credit for airline frequent

ﬂyer programs or car or hotel loyalty programs.

Hotel Rewards terms and conditions. Hotel rooms are

NON-REFUNDABLE and NON-CHANGEABLE unless permitted

by the terms of the room/rate description. Check the terms

carefully before making a hotel reservation. For rooms that

are non-refundable, changes or cancellations received at

any time are subject to the full cost of room and tax for

the entire stay. Permitted cancellations or modiﬁcations

may be subject to Supplier fees. To make changes to Your

reservation, if permitted, please call the ThankYou

Travel

Center. No shows are non-refundable and will result in a

total forfeiture of payments made and Points used without

credit due. If You think You may arrive at a hotel late, please

contact the hotel directly to arrange for late arrival, if

available. Actual times for “late” vary by hotel. Early

check-out from a hotel is not subject to a refund.

Cancellations or modiﬁcations handled by the property

directly may result in additional fees and/or the forfeiture

of any refund due. When canceling hotel reservations,

retain Your cancellation number so You will not be held

responsible for cancellation charges if the hotel makes an

error. Government issued photo identiﬁcation is required

at check-in and must match the name on the reservation.

Some properties have a minimum age requirement for

check-in. Policies for children vary by property. Please

contact the property directly to learn whether child beneﬁts

are offered and whether there are child restrictions. Hotel

reservations include room and applicable taxes only. Any

additional hotel charges, such as resort fees and hotel

energy surcharges and any charges for incidentals that You

incur while traveling are not included in Your reservation rate

and must be paid directly to the hotel. Incidental charges

may include but are not limited to parking fees, babysitting,

room service, telephone fees, internet usage fees, in-room

movies, mini-bar charges, and gratuities. Hotel bookings are

available through preferred Suppliers of cxLoyalty and may

not be available for all locations and destinations. Due to

hotel Supplier policies applicable to our preferred rates, Your

name may not be provided to the hotel property until 24

hours prior to Your arrival. Please contact cxLoyalty directly

for any special requests. Special requests, such as bed type,

smoking preferences or in-room amenities, are on a request

only basis and cannot be guaranteed. Fees and charges

may apply, depending on the service request. The hotel may

require a major credit card, in one of the guest’s names, or

a cash deposit upon check-in. Reservations do not include

services not speciﬁed in the reservation conﬁrmation. A

reasonable attempt will be made to notify guests of hotel

renovation or refurbishment if cxLoyalty knows of the same;

however, cxLoyalty shall not be liable for non-disclosure by

the property or for any failure to provide such notiﬁcation

or for damages that may result from renovation or

refurbishment.

Hotel Taxes and Fees for Non-ThankYou

Point

Transactions: In connection with facilitating Your non-award

hotel transaction, the charge to Your debit or credit card will

include a charge for taxes and fees which varies based on a

number of factors including, without limitation, the amount

paid to the Supplier, the location of the Supplier and Your

destination. This charge includes an estimated amount for

taxes owed by the Supplier including, without limitation, sales

and use tax, occupancy tax, room tax, excise tax, value-added

tax and/or other similar taxes. In certain locations, the tax

amount may also include government-imposed service fees

or other fees required by law to be collected by the Supplier.

The actual amount paid to the Supplier for taxes in connection

with Your reservation may vary from the amount estimated

and included in Your charges, but the total amount You pay will

not vary from the amount quoted. The balance of the charge

for taxes and fees, if any, is retained by cxLoyalty to cover the

costs of Your reservation, including, customer service costs.

cxLoyalty is not the vendor collecting and remitting taxes to

taxing authorities. Suppliers include all applicable taxes in

the amount billed to cxLoyalty and cxLoyalty pays all such

taxes directly to the Suppliers. cxLoyalty is not a co-vendor

associated with any Supplier. Taxability, the tax rate and the

type of applicable taxes vary by location.

For transactions involving hotels located within certain

jurisdictions, the charge to Your debit or credit card for taxes

and fees includes a payment of tax that we are required to

collect and remit to the jurisdiction for tax owed on amounts

retained as compensation for services.

Vacation Packages and Cruise Travel Terms and

Conditions.

Cruise only packages do not include ground

transfers. Not all air/sea packages include ground transfers.

cxLoyalty is not liable for any ﬂight or other transportation

delays that result in a missed cruise or tour departure. If

air or transfers are purchased as part of a speciﬁc cruise

or tour company package, the cruise or tour operator may

provide assistance for missed departures. cxLoyalty has no

control over air arrangements recommended by cruise or

tour Suppliers including ﬂight schedules, airlines selected,

or whether Your ﬂight will be non-stop. cxLoyalty can assist

You with deviations from the Supplier air/sea package, but

cannot guarantee that the Supplier will honor Your request.

Some Suppliers will not allow air deviations under any

circumstances. It is Your responsibility to make sure that

deposits and ﬁnal payments are made by the Supplier due

date. Until payments are conﬁrmed by the Supplier, price,

cabin/room, and availability are subject to change and

cancellation. Vacation package and cruise prices are per

person, based on double occupancy. Airline tickets included

as part of the vacation package or cruise itinerary must be

round-trip tickets. Advance purchase minimum stay and

length of stay requirements for those airline tickets may

apply. If You book an activity or service as part of Your

package or cruise booking, You must print Your activities

and services voucher(s) which will be e-mailed to You at

the time of booking, and bring it/them with You to Your

destination. The vacation package price does not include

ground transportation unless otherwise speciﬁed in Your

itinerary. All travelers are subject to the terms and conditions

of each applicable tour company or cruise provider. Copies of

the cruise line’s conditions, rules and regulations applicable

to Your booking will be included with Your e-ticket. Cruise

providers require that passengers younger than 18 years old

be accompanied by an adult 18 years or older in the same

cabin. All passengers in Your cabin must be 6 months or

older. All passengers must provide proof of citizenship when

boarding the ship, even if Your cruise includes only domestic

destinations.

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. Cruise and vacation

package cancellations received at any time may be subject

to applicable Supplier fees.

Car Rental terms and conditions. Car Rental cancellations

or modifications received at any time are subject to Supplier

cancellation policies and fees, which could be up to the full

amount of the reservation. No shows are non-refundable

and will result in a total forfeiture of any payments made

and Points used without credit due. The early return of car

rentals is not Eligible for a refund. Additional taxes, fees and

surcharges are subject to change without notice and may

vary by location and may be charged to the customer at

pick-up. Rental rates are based on 24-hour periods and may

be subject to additional fees depending on time of return,

including but not limited to hourly rental charges which will

be billed directly to You by the car rental company. Some car

rentals may require a minimum rental period. Any rentals

less than the required minimum may be charged the rate

for the minimum rental period. Redemption and Advance

Purchase rental rates in the United States include unlimited

mileage, taxes and fees. Car rental rates outside of the

United States may not include unlimited mileage, taxes and

fees and these will be assessed by the car rental location

directly. Charges are billed directly by the car rental company

and subject to change. Charges for optional services such

as insurance waivers, fuel, additional or underage drivers,

special equipment charges, etc. are not included in Your

rental and must be paid directly to the car rental company.

cxLoyalty does not guarantee a speciﬁc make, model,

or color of vehicle no matter what vehicle is reserved.

Geographic and cross border restrictions may apply. Renters

must have a valid driver’s license, major credit card and

good driving record. Renters must meet the minimum (and

maximum, if applicable) age requirement where the car is

being rented, and some Suppliers require a good driving

record. Most rental car agencies do not accept debit cards.

Some Suppliers charge a surcharge for drivers under certain

ages, such as 25. Suppliers reserve the right to deny car

rentals for any reason, including past driving records. Rentals

outside of the US may require an international driver’s

license or compliance with other local requirements. Car

rental redemptions may not be available for all locations and

destinations. Local renters and renters driving out of state/

country may be subject to additional restrictions. Please

contact Your insurance company if You are unsure whether

to accept rental car company insurance.

Travel Rewards details.

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.

Travel changes by You.

All airline tickets, hotel, car rental,

vacation packages, cruises and activities booked in exchange

for ThankYou

Points are nonrefundable, nonendorsable

and nontransferable. Changes to bookings are subject to the

Supplier’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

or debit card in the name of the ThankYou Member. Any

change, cancellation or additional collection fees imposed by

the airline, hotel, car rental company, tour, cruise or activity

provider are the responsibility of the traveler.

Travel Changes and Cancellations by the Supplier.

Airline,

hotel, car rental, tour operator and cruise line 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,

tours and cruises are outside of the control of cxLoyalty 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. cxLoyalty is not allowed to refund

tickets on airlines that have declared bankruptcy.

ThankYou Points redeemed for Travel Rewards or money

given to cxLoyalty immediately becomes the property of the

airline and ThankYou Rewards and cxLoyalty is required by

law to comply with the airline’s orders.

Airline Fees, Rules and Restrictions. Airline tickets are

NON-REFUNDABLE and NON-CHANGEABLE unless permitted

by the terms of the fare and, if permitted, are subject to

airline rules, penalties up to the full amount of each ticket

and, in the case of a changed ticket, fare difference charges.

A small number of air carriers may require cxLoyalty to

conﬁrm ﬂight availability when booking. If there is any issue

with availability, a travel representative will contact You

within 24 hours to make alternate ﬂight arrangements at no

additional cost.

In some situations an airline may issue You a credit “in lieu

of” a refund according to the fare rules associated with the

individual booking. If a credit is issued by an airline, it is held

by the airline in the name of the individual who was the

passenger of record on the original reservation. This credit

can be used towards the payment for the booking of a new

trip under the following conditions:

The new reservation is in the name of the same passenger

as the cancelled booking;

The new reservation is on the same airline as the original

reservation;

All travel associated with the new trip must be completed

prior to the date speciﬁed by the airline which is determined

by the fare rules of the original ticket and the original class

of service;

You are responsible to pay any exchange fees charged by

the airline related to the making of a new reservation as well

as any additional charges, fees or fare increase;

Credit cannot be applied against an existing reservation.

If a refund or a credit is not issued by the Supplier, the

cancelled reservation will have no value for future use.

Airlines may impose additional costs and fees for baggage,

meals, beverages and other services. These costs are

Your sole responsibility. Unused tickets contain no value

if not cancelled prior to departure.

Tickets may not be

reassigned or transferred to a different passenger or airline.

Flight schedules are subject to change. cxLoyalty is not

responsible for any schedule change(s) or notifying You of

such change(s). Please conﬁrm the scheduled departure

time at least 48 hours prior to departure for domestic ﬂights

and at least 72 hours prior to departure for international

ﬂights to learn if Your ﬂight schedule changed. Failure to

use any reservations may result in automatic cancellation

of all continuing and return reservations. You must advise

Your carrier if Your travel plans change en route. Check

with each airline regarding its speciﬁc boarding and check-

in requirements. Airline ﬂights may be overbooked, and

there is a slight chance that a seat will not be available

on a ﬂight for which You have a conﬁrmed reservation. If

this occurs, the airline will make alternative arrangements

for You. Turboprop aircraft may exist on Your itinerary.

Airlines reserve the right to change aircraft equipment

without notice. If a code-share ﬂight exists in Your itinerary,

passengers must check in with the operating airline on

day of departure. Advance seat assignments, if available

and allowed by airline, are not guaranteed. Please inquire

with the airline about Your boarding pass(es). All tickets will

be issued at time of booking as e-tickets, unless e-tickets

are unavailable due to airline restrictions. If an e-ticket

is unavailable, You may be charged for shipping and

handling. All paper tickets will be shipped within 48 hours.

For bookings made online at thankyou.com, electronic

conﬁrmation and documentation will be sent to the e-mail

address displayed on the Billing and Delivery page. For

other Travel Rewards such as vacation and cruise packages,

travel documents will be sent to the ThankYou Member’s

address provided at time of booking. ThankYou Member

is responsible for destroyed, lost and/or stolen travel

documents, and any fees imposed to replace such travel

documents. If Your ticket(s) is lost, stolen, or destroyed,

claim. You may need to purchase a new ticket to travel

while You are waiting for any permitted refund or credit.

You remain responsible for payment due for the lost, stolen,

or destroyed ticket(s) unless a refund or credit is issued by

the carrier. Please go to

http://www.dot.gov/office-policy/

aviation-policy/aircraft-disinsection-requirements to

learn about the use of insecticides in certain aircraft. Please

refer to Your program rules for additional information.

For ﬂights that are destined for, transit through, or depart

Canada, passengers may be entitled to certain standards

of treatment and compensation under the Air Passenger

Protection Regulations at http://www.gazette.gc.ca/rp-

pr/p2/2019/2019-05-29/html/sor-dors150-eng.html.

For more information about Your passenger rights please

contact Your air carrier or visit the Canadian Transportation

Agency’s website at https://www.otc-cta.gc.ca/.

Hazardous materials

Federal law forbids the carriage of hazardous materials

aboard aircraft in Your luggage or on Your person. A

violation can result in ﬁve years’ imprisonment and penalties

of $250,000 or more (49 U.S.C. 5124). Hazardous materials

include explosives, compressed gases, ﬂammable liquids

and solids, oxidizers, poisons, corrosives and radioactive

materials. Examples: Paints, lighter ﬂuid, ﬁreworks, tear

gases, oxygen bottles, and radio-pharmaceuticals.

There are special exceptions for small quantities (up to 70

ounces total) of medicinal and toilet articles carried in Your

luggage and certain smoking materials carried on Your

person. For further information contact the airline directly.

Baggage Fees

Baggage policies and fees vary by Supplier. Some Suppliers

charge a fee for the ﬁrst and/or second standard sized

checked bag. Please check with the Supplier for baggage

charges, size limitations, weight and other restrictions. A

complete list of air carriers and their fees can be found at

www.tripcharges.com/baggagefees.asp.

Destination taxes

Government imposed departure or entry taxes may not be

included in ticket taxes. Passengers should be prepared to

pay these taxes in cash, in local currency, on location.

Activities. Theater tickets, theme-park passes, and select

sightseeing tours are completely NON-REFUNDABLE once

booked. All other activities cancelled or modiﬁed more

than three (3) days prior to activity date may be subject

to applicable Supplier fees which will appear on Your card

statement as CL * Trip Charges. All other activities cancelled

within 3 da

ys of activity date are nonrefundable. No shows

are non-refundable and will result in a total forfeiture of

payment made and Points used without credit due. Activity

Supplier reserves the right to change, cancel, or modify the

date, length, or inclusions of the activity booked without

notice. You should reconﬁrm the activity booked at least 72

hours prior to the activity date.

If a paper or e-voucher is required, please remember

to bring it with You along with a form of Government-

issued photo identiﬁcation. Otherwise, You may be denied

admission to the activity.

Liability disclaimer. cxLoyalty acts only as an agent for

the Supplier in regards to travel, and assumes no liability for

injury, damage, loss, accident, delay or irregularity which may

be caused due to a defect in any vehicle, acts of God, war,

riots, or by any company or person involved in conveying

the passenger or in carrying out travel arrangements.

cxLoyalty reserves the right to accept minor adjustments

in the passenger’s travel itinerary made by the Supplier. In

the event of Supplier trip cancellation prior to departure, a

full refund will constitute a full settlement of all liability. The

passenger’s ticket(s), when issued, or electronic reservation,

shall constitute the sole contract between the Supplier and

the purchaser and/or passenger, and cxLoyalty shall have

no liability for any actions or omissions of the Supplier.

cxLoyalty is not responsible for any changes initiated by the

passenger after departure.

The information, software, products, and services

published on this web site may include inaccuracies or

typographical errors. In particular, cxloyalty and its afﬁliates

do not guarantee the accuracy of, and disclaim liability for

inaccuracies relating to the information and description of

the hotel, air, cruise, car and other travel products displayed

on this website (including, without limitation, photographs,

logos/icons, list of hotel amenities, and general product

descriptions), much of which information is provided by

the respective suppliers. Hotel ratings are intended as only

general guidelines, and cxloyalty and its afﬁliates do not

guarantee the accuracy of the ratings. cxloyalty, its afﬁliates,

and/or their respective suppliers make no representations

about the suitability of the information, products, and

services contained on this web site for any purpose, and

the inclusion or offering for sale of any products or services

on this web site does not constitute any endorsement or

recommendation of such products or services by cxloyalty

or its afﬁliates. All such information, products, and services

are provided “as is” without warranty of any kind. cxloyalty,

its afﬁliates, and/or their respective suppliers hereby

disclaim all warranties and conditions with regard to this

information, products, and services, including all implied

warranties and conditions of merchantability, ﬁtness for a

particular purpose, title, and noninfringement. The carriers,

hotels and other suppliers providing travel or other services

are independent contractors and not agents or employees

of cxloyalty or its afﬁliates. cxloyalty and their respective

afﬁliates are not liable for the acts, errors, omissions,

representations, warranties, breaches or negligence of any

such suppliers or for any personal injuries, death, property

damage, or other damages or expenses resulting therefrom.

cxloyalty and their respective afﬁliates have no liability and

will make no refund in the event of any delay, cancellation,

overbooking, strike, force majeure or other causes beyond

their direct control, and they have no responsibility for

any additional expense, omissions, delays, re-routing or

acts of any government or other authority. In no event

shall cxloyalty and their respective afﬁliates, and/or their

respective suppliers be liable for any direct, indirect, punitive,

incidental, special, or consequential damages arising out

of, or in any way connected with, the use of this web site

or with the delay or inability to use this web site, or for any

information, products, and services obtained through this

web site, or otherwise arising out of the use of this web site,

whether based on contract, tort, strict liability, or otherwise,

even if cxloyalty, its afﬁliates, and/or their respective

suppliers have been advised of the possibility of damages.

Because some states/jurisdictions do not allow the exclusion

or limitation of liability for consequential or incidental

damages, the above limitation may not apply to you.

Seller of travel registration numbers

Loyalty Travel Agency LLC, who acts only as an agent for the

Suppliers, makes the travel arrangements for You on behalf

of Travel Services. State Seller of Travel registration numbers

for Loyalty Travel Agency LLC in the states that require

registration are: California 2097389-50 (registration as a

seller of travel does not constitute approval by California.

Loyalty Travel Agency LLC is not a participant in the

Travel Consumer Restitution Fund); Florida ST38239; Hawaii

TAR-6750, Iowa 987; and State of Washington 602 868 200.

Loyalty Travel Agency LLC, 6442

City West Parkway,

Eden Prairie, MN 55344-3245, 952-914-6500.

Gift card terms and conditions

• Gift cards/certificates: 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.

Expiration policies and non-usage fees may apply; however,

expiration on gift cards will occur in no less than ﬁve (5)

years from the date of redemption and non-usage fees

cannot begin until twelve months of non-use and the non-

usage fee must remain the same from month to month

through ThankYou Rewards. Gift cards/certiﬁcates may not

be returned, unless damaged or defective.

•

Delivery of physical gift cards/gift certificates. Physical

gift cards and gift certiﬁcate Rewards are delivered to P.O.

boxes and shipping addresses in the United States and

its territories 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: Use 711 or other Relay Service).

Delivery of electronic gift cards/gift certificates

E-gift cards, e-certiﬁcates and any other virtual Rewards

are delivered only to valid email addresses. You can’t

cancel, return or exchange these Rewards. Participating

merchants may have additional terms and conditions

for these virtual Rewards, which You can ﬁnd on

thankyou.com.

Physical gift cards/gift certificates

. Only some

orders of physical gift cards/gift certiﬁcates may be

cancelled. We’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: Use 711 or

other Relay Service) and following the customer service

agent’s instructions.

E-Gift Card/E-Gift Certificates

. You can’t cancel,

return or exchange e-cards or e-certiﬁcates. TIONS

Point expiration, suspension and forfeiture

This section tells You if, when and how Your Points may expire.

•

Expiration of Points Acquired through Your Card

Account

. Points You earn using Your Card Account and

making Eligible Payments on your card will not expire.

Loss or suspension of points

This section tells You how Points You’ve already earned or

received may be lost or suspended.

When your Card Account is closed or converted

How Your Citi Account was closed or converted determines how

long You have to use Points associated with Your Citi Account.

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.

•

You close Your Citi Account or convert Your Citi Account

to an account that does not participate in the ThankYou

Program

. 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 sixty (60) days after closing or converting Your

account, or You will lose them.

•

We close Your Card Account Due to inactivity or convert

Your Card Account to a card that does not participate

in the ThankYou Program

. 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 sixty (60) days after closing or converting

Your account, or You will lose the Points that You earned with

the closed or converted Card Account.

•

We close Your Citi Account for any other reason

. If we

close Your Citi Account for any reason other than inactivity,

You will lose Your Points immediately.

•

Limited online access

. 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: Use 711 or other

Relay Service).

•

Limited Rewards options

. 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:

· Rewards that require an open Card Account that

participates in the ThankYou Program.

When Your ThankYou Account is closed

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.

•

All Your Citi Accounts are closed

. When Your Citi

Accounts close, Your Points will be lost either immediately

or within 60 days as described above. After the Points

associated with Your Citi Account have been lost or used

within 60 days, and if You have no other open Citi Accounts

associated with Your ThankYou Account, we will close Your

ThankYou Account.

•

When Your ThankYou Account closes

. If You have Points,

and Your ThankYou Account is closed for any reason, You

will lose them immediately.

•

We cancel the Program

. If the Program is cancelled, You’ll

have ninety (90) days from the Program’s cancellation date

to redeem Your Points. After ninety (90) days, You’ll lose

any remaining Points.

•

Temporary Point suspension for late payment

. 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.

•

Reinstatement of Points

: Reinstatement applies to Points

you did not receive as detailed above in “When you will

not earn Points.” 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. You may make a request for Reinstatement of Points

on thankyou.com or by calling the ThankYou

Service

Center at 1-800-THANKYOU (1-800-842-6596). (TTY: Use 711

or other Relay Service).

•

Loss upon death

. 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 this circumstance:

· Cash Rewards option. If we receive a written request

within one (1) y

ear 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. Contact the ThankYou

Service Center at 1-800-THANKYOU (1-800-842-

6596) (TTY: Use 711 or other Relay Service) for more

information.

Changes to these terms and

other important information

This section tells You when and how we may change this

Agreement and the Program.

•

Changes without notice

. We may make changes to

the Program and/or the terms of this Agreement at any

time without 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

thankyou.com.

•

Changes with notice

. We’ll give You thirty (30) days’

written notice if we make any of the following changes:

· A change that negatively affects the number of Points

ou can earn

· A change that negatively affects when Your Points

xpire or how/when You may lose Points

· A change in how You can exercise Your rights under this

greement

· If we cancel the Program

Fraud, misuse and abuse;

other important information

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.

•

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

becaus

e of such activity and to recover our monetary

losses, including litigation costs and damages

Some examples of fraud, misuse, abuse and suspicious

activit

y 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 f

or the primary purpose of

acquiring Points

· Using Your Card Account other than primarily for

pers

onal, 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: Use 711 or other

Relay Service) immediately if You suspect Your ThankYou

Account is the target of fraud or suspicious activity.

•

No cash value

. Points have no cash value.

•

No property rights

. 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.

•

Disputes between member and other persons

. 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.

•

Indemnity

. 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.

•

Limitation on liability

. 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’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.

•

Void where prohibited by law

. 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.

•

Notices and communications

. 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.

Incorporation of Card Account

terms and conditions

This section tells You that certain terms in Your Card

Account agreement also apply to this Agreement.

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. Read Your applicable

Card Account agreement for these important provisions.

are service marks of Citigroup Inc. or its afﬁliates, used and registered

throughout the world.

CRE355 02/22