Citi^® Double Cash Card

¹ Citi^® Double Cash Benefit Terms & Conditions

Current Citi^® Double Cash Card Account Terms and Conditions (As of January 2022)

Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason without notice, except as otherwise expressly indicated. Citi isn't responsible for products and services offered by other companies

Your Citi Double Cash Card account (“Card Account”) will earn cash rewards based on your purchases and related payments, as explained below.

Cash Back on Purchases

At the end of each billing cycle, you will earn cash rewards equal to 1% of the dollar amount of the purchases posted to your Card Account during that billing cycle, subject to “When you will not earn cash rewards.” The cash rewards you earn for purchases will show on your billing statement as “Cash Back on Purchases.”

The following transactions are not purchases and will not earn cash rewards: 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.

Cash Back on Payments

At the end of each billing cycle, you will earn cash rewards equal to 1% of the dollar amount of any eligible payments you make on your Card Account as long as there is a balance in your Purchase Tracker (see “Purchase Tracker” below). You will only earn Cash Back on Payments for eligible payments up to the balance shown on your Card Account’s Purchase Tracker. 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 cash rewards on eligible payments until more purchases are made and added to the Purchase Tracker. The cash rewards you earn for payments will show on your billing statement as “Cash Back on Payments.”

Eligible payments means payments you make on your Card Account, except for payments that are less than the amount of the Minimum Payment Due (as set forth on your billing statement) and payments detailed below in “When you will not earn cash rewards.” The redemption of cash rewards for a statement credit is not an eligible payment.

When you will not earn cash rewards:

Your Card Account must be current to earn rewards. If you fail to make a Minimum Payment Due by the first day of your next Billing Period, then you will not earn 1% cash rewards for 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 purchases (see “Reinstatement” below). You will also not earn cash rewards for future purchases until you become current.
You will not earn cash back for 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 payment.
Additionally, you will not earn 1% cash rewards on payments correlated to purchases made in a billing cycle during which you did not pay at least the Minimum Payment Due from your prior statement. These purchases are not added to your Purchase Tracker, subject to “Reinstatement” below.
- This means that you must pay at least the Minimum Payment Due shown on your billing statement by the first day of your next Billing Period in order to:
  - Receive cash rewards on purchases (Cash Back on Purchases) posted to your Card Account during that billing cycle; and
  - Earn 1% cash rewards on eligible payments made in connection with those purchases (Cash Back on Payments).
  - You will also not earn Cash Back on Purchases or Cash Back on Payments after your Card Account has been closed.

Not earning cash rewards

For example: Your billing statement is sent on January 1 with a Minimum Payment Due of $57.25 and a payment due date of January 26; and the first day of your next Billing Period is February 1.

January 1 – your January billing statement is sent
January 10 – you make a $300 purchase
January 26 – your payment due date (when your $57.25 Minimum Payment Due must be paid)
February 1 – the first day of your next Billing Period

If you do not pay at least the Minimum Payment Due ($57.25) by February 1, then you will not earn 1% cash rewards for the January 10 purchase and that purchase will not appear in your Purchase Tracker. You will also not earn 1% cash back for payments correlated with that purchase unless you Reinstate the purchase and then make an eligible payment.

Reinstatement

Reinstatement applies to purchases for which you did not receive cash rewards (Cash Back on Purchases) because you failed to pay the full Minimum Payment Due by the first day of your next Billing Period (as detailed above in “When you will not earn cash rewards”). You may receive cash rewards for these purchases if they are available for reinstatement and you contact us by phone, when your account is current, to request Reinstatement for these purchases. Purchases will be unavailable for Reinstatement if you have not otherwise earned any Cash Back on Purchases or Payments for 12 months. Purchases will also be unavailable for Reinstatement after your account is closed. The amount of the purchases associated with Reinstated purchases will appear in your Purchase Tracker balance following Reinstatement.

You may learn about purchases available to you for Reinstatement and request Reinstatement by contacting us at 1-855-473-4583 (Speech/hearing impaired: 711 or Other Relay Service).

Purchase Tracker

We will maintain a Purchase Tracker for your Card Account. The Purchase Tracker will be shown on your billing statement. The Purchase Tracker shows the balance of purchases (as detailed above in “Cash Back on Purchases”) less eligible payments made on your Card Account, subject to “When you will not earn cash rewards” above. You will only earn Cash Back on Payments up to the balance shown on your Card Account’s Purchase Tracker.

Redeeming Cash Rewards

You may visit citi.com or contact us at 1-855-473-4583 (Speech/hearing impaired: 711 or Other Relay Service) to redeem your cash rewards. You must have a cash rewards balance of $25 or more to redeem your cash rewards for a check, statement credit, or credit to a linked account. There is a $1 minimum cash rewards balance required to convert cash rewards to ThankYou Points. To convert cash rewards to ThankYou Points your Card Account must be current at the time you convert. If you choose to convert cash rewards to ThankYou Points, the ThankYou Points you obtain will be governed by the ThankYou Terms and Conditions for Double Cash, as may be amended, from time to time, in our sole discretion. We may set up a ThankYou Account for you, regardless of whether you convert cash rewards to ThankYou Points, to enable you to convert cash rewards to ThankYou Points.

For example, we will set up a ThankYou Account for you if you click on the “Convert to Points” redemption option. If we set up a ThankYou Account for you, we may provide information about your ThankYou Account to businesses (retailers and merchants) that participate in the Citi ThankYou Rewards loyalty program (“Participating Partners”).

If you add your Card Account to an account you have with a Participating Partner and have used or use your Card Account to make a purchase, you may be automatically enrolled in a program that enables you to use ThankYou Points with that Participating Partner at checkout. If you are automatically enrolled in such a program, you will receive an email informing you of the auto-enrollment.

You may also link your ThankYou Account to certain Participating Partners through self-registration processes that will be provided to you if available. You can choose to redeem your cash rewards as follows:

Request a check for at least $25 up to the total cash rewards balance at the time you redeem;
Redeem for a statement credit to your Card Account for at least $25 up to the total cash rewards balance at the time you redeem;
Redeem for a credit to your linked Citi savings or checking account or to a checking account from which you have paid a Citi Credit Card bill at least two times
Convert your cash rewards to ThankYou Points

Only you may redeem cash rewards, unless you or we agree otherwise. You are responsible for any taxes that may be due on cash rewards redemptions.

Account Closure

If we close your Card Account, you will no longer be able to earn or redeem your cash rewards and you will forfeit any accumulated, earned cash rewards. In addition, you will no longer be able to Reinstate purchases if we close your Card Account. If you close or convert your Card Account, you will no longer be able to earn cash rewards and you must redeem any available cash rewards prior to account closure or cash rewards will be forfeited. Additionally, you will no longer be able to Reinstate purchases if you close or convert your Card Account.

Account Inactivity

Purchases will become unavailable for Reinstatement if your account does not earn any Cash Back on Purchases or Cash Back on Payments for 12 months. Reinstatement of purchases will not constitute the earning of Cash Back on Purchases for this purpose.

Cash Rewards Expiration

Your cash rewards balance will expire if you have not earned any Cash Back on Purchases or Cash Back on Payments for 12 months.

Value of Cash Rewards

Cash rewards have no cash value until such time as you may request and receive redemption (check or statement credit or direct deposit) for your eligible cash rewards. You may not assign, transfer, or pledge your cash rewards. You have no property rights or other legal interest in cash rewards.

Program Rules

We may revise any of these terms at any time with 30 days' prior written notice. In addition, we may terminate the Citi Double Cash Card Reward Program with 30 days' prior written notice. If we terminate the program, you will only have 90 days to request your redemption eligible cash rewards.

Fraud, Misuse, Abuse, or Suspicious Activity

If we see evidence of fraud, misuse, abuse, or suspicious activity, we will investigate and, if we determine that fraud, misuse, or abuse has occurred, we may take action against you. This may include, without limitation and without prior notice, any or all of the following:

Taking away your accrued cash rewards
Stopping You from earning cash rewards
Suspending or closing your Card 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:

Using your Card Account in an abusive manner for the primary purpose of acquiring Cash Rewards
Using your Card Account other than primarily for personal, consumer or household purposes

Summary of Citi Double Cash Terms and Conditions beginning March 28, 2022

You will continue to earn 1% cash back when you buy and 1% as you pay for your purchases. However, starting on March 28, 2022, cash back will be earned in the form of ThankYou Points instead of Cash Rewards — this means each billing cycle, you will earn 1 point per $1 spent on purchases and an additional point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker. Points can be redeemed for cash back as a direct deposit, statement credit, or check. For example, redeem 10,000 ThankYou Points for a $100 direct deposit, statement credit, or check. Points can also be redeemed for a variety of other rewards, such as gift cards, travel and more — redemption rates may vary.

Any cash rewards balance in your account will be converted to ThankYou Points. You will receive 1 point for every cent in cash rewards. For example, if you have $10.13 in cash rewards, your rewards will be converted to 1,013 ThankYou Points — redeemable for a $10.13 cash redemption.

For more information, please visit citi.com/citidoublecashterms

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 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).

Changes without Notice. We may make changes to the Program 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 You can earn
- A change that negatively affects when Your Points expire or how/when You may lose Points
- A change in how You can exercise Your rights
- If we cancel the 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) (Speech/hearing impaired: 711 or other Relay Service) immediately if you suspect Your ThankYou Account is the target of fraud or suspicious activity.

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Citi® Double Cash Card

1 Citi® Double Cash Benefit Terms & Conditions

Current Citi® Double Cash Card Account Terms and Conditions (As of January 2022)

Cash Back on Purchases

Cash Back on Payments

When you will not earn cash rewards:

Reinstatement

Purchase Tracker

Redeeming Cash Rewards

Account Closure

Account Inactivity

Cash Rewards Expiration

Value of Cash Rewards

Program Rules

Fraud, Misuse, Abuse, or Suspicious Activity

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

Summary of Citi Double Cash Terms and Conditions beginning March 28, 2022

Earning Points with Your Card Account

Purchase Tracker

When you will not earn Points:

When You Will Receive Points

Citi^® Double Cash Card

¹ Citi^® Double Cash Benefit Terms & Conditions

Current Citi^® Double Cash Card Account Terms and Conditions (As of January 2022)