Switch to the Citi Rewards+ Card today!

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Cardmember since: 2010 Card ending in: 1234

Citi Simplicity^® Card

Make treating yourself

part of your every day

Switch to the
Citi Rewards+^® Card today!

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Your invitation number: InvitationNumber

FirstName, as a valued Citi^® cardmember, you’re invited to switch to the Citi Rewards+ Card.* It’s the only credit card that rounds up to the nearest 10 points on every purchase — with no cap. You can even earn points back when you redeem for the things you want, from gift cards to travel and more.

Accept our invitation to enjoy these benefits and you’ll continue to pay no annual fee and your APR and credit line will remain the same.** Switch today — there’s no application and no credit bureau inquiry.*

The little things add up to a BIG deal

Earn 2 ThankYou^® points per $1 spent at supermarkets and gas stations for the first $6,000 per year and then 1 point per $1 spent thereafter.

Earn 1 ThankYou point per $1 spent on all other purchases

Round up to the nearest 10 points on every purchase with no cap.

For example, buy a $2 coffee and earn 10 points.

Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year.

For example, redeem 2,500 points and get 250 points back.

What else is changing and what will happen to my ThankYou Points balance if I convert?

When you convert to the Citi Rewards+ Card, you will no longer earn 2 points per $1 spent on cable, popular streaming, live entertainment, and at restaurants, however, you will earn 2 ThankYou Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and then 1 point per $1 spent thereafter. Any unused ThankYou Points balance earned with your current card will be carried over to the Citi Rewards+ Card.

Compare the cards

Your current Citi^® Simplicity Card

Citi Rewards+^®
Card

2 ThankYou Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and then 1 point per $1 spent thereafter

YES

1 ThankYou Point per $1 spent on all other purchases

YES

Round Up to the nearest 10 points on every purchase — with no cap

YES

Get 10% Points Back for the first 100,000 points you redeem per year

YES

Citi Easy Deals℠

YES

No late fees

YES

No penalty rate

YES

No annual fee

YES

*, ** Please see Terms and Conditions.

After you convert, your new card will arrive with a new account number. Please remember to notify those who regularly bill your account of the change.

Your Citi Rewards+ Card is waiting —

there’s no application or credit bureau inquiry

Switch Today

Reply by RespondDate.
Use your Invitation Number: InvitationNumber

Or call 1-800-842-6596. For speech/hearing impaired, use 711 or other Relay Service. Outside the 50 United States and the District of Columbia, call the number on the back of your card (24 hours a day, 7 days a week).

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* To remain eligible for this conversion you must continue to meet our account change criteria, including creditworthiness, and your account must be open and current under the terms of the Card Agreement.

**Additional pricing:

Upon conversion your APRs will remain the same. The following is additional pricing associated with your account: Cash advance fee — either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee — either $5 or 5% of the amount of each transfer, whichever is greater.

Any fee changes will be applied 51 days after you convert. All other benefits will be applied to your account within 11 days after you convert.

Citi^® ThankYou^® Rewards is offered to certain cardmembers (“you”) at the sole discretion of Citibank, N.A. (“we”), the issuer of your card account (“Card Account”).

Additional Information — Citi Rewards+^®

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

Citi^® ThankYou^® Rewards

Summary of the Citi Rewards+^® Card Terms and Conditions

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

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

– 2 ThankYou Points for each $1 spent on purchases at supermarkets and gas stations, for the first $6,000 per calendar year and then 1 ThankYou Point for each $1 spent thereafter.

Certain Non-Qualifying Purchases:

Supermarkets – You won’t earn 2X Points for purchases made at general merchandise/discount superstores, freezer/meat locker provisioners, dairy product stores, miscellaneous food/convenience stores, markets, drugstores, warehouse clubs, wholesale clubs, specialty vendors, bakeries, candy stores, nut stores, confectionery stores, and meal kit delivery services. You also won’t earn 2X Points for purchases made at online supermarkets if the merchant does not classify itself as a supermarket by using the supermarket merchant code.

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

– 1 ThankYou Point for each $1 spent on other purchases including the non-qualifying purchases listed above.

Round Up

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

10% Points Back from Redemptions

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

Only Purchases Earn Points.

Balance transfers, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, traveler’s checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) do not earn ThankYou Points.

Merchant Classification for Rewards Categories.

Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don’t control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we’re provided an MCC for that purchase. We group similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category as recognized by Citi, your purchase will not qualify for additional points. For example, you won’t earn additional points for gas purchases if the merchant is not assigned a gas-related code. Please also note — purchases made through mobile/wireless technology may not earn additional points depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine which purchases qualify for additional points. Please see our Earning Points FAQs at thankyou.com/help for more information.

When you reach a reward or benefit cap (e.g., you spend $6,000 on purchases at supermarkets and gas stations to earn 2X Points on these purchases), and you return items (reducing your spending within that category), you will earn 1X Points for purchases even if those purchases would have otherwise qualified for 2X Points. And once you redeem 100,000 ThankYou Points annually with the 10% Points Back feature, you will not earn additional 10% Points Back ThankYou Points that year, even if subsequent returns cause a reduction in your ThankYou Points attributable to 10% Points Back.

You may earn ThankYou Points as long as your Card Account is open and current. If your Card Account is closed, you will not be able to earn and redeem ThankYou Points and you will lose any accumulated ThankYou Points that have not been transferred to your ThankYou Member Account (we will set up a ThankYou Member Account for you). You will also not earn points from Round Up or receive 10% Points Back if your account is closed.

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

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

You must have a Citi credit card enrolled in ThankYou Rewards to use ThankYou Points at Amazon.com. Terms and conditions apply. See thankyou.com/terms and Amazon.com/Citi for more information.

Please note that when your account is closed or converted to an account that does not participate in ThankYou Rewards, some redemption options may be limited or ineligible such as rewards that require an open Card Account that participates in the ThankYou Program. You will also lose access to your ThankYou Account online unless you have one or more open Citi Accounts that participates in the ThankYou Program. Please refer to thankyou.com for complete terms and conditions.

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

Fraud, Misuse, Abuse, or Suspicious Activity.

If we see evidence of fraud, misuse, abuse, or suspicious activity, as determined by us in our sole discretion, we reserve the right to take action against You. This may include, without limitation and without prior notice, any or all of the following:

•

Taking away your accrued Points

•

Stopping You from earning Points

•

Suspending or closing your Citi account or ThankYou Account

•

Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages

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

•

Buying or selling Points other than as permitted under the Program

•

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), for speech/hearing impaired use 711 or other Relay Service, immediately if You suspect your ThankYou Account is the target of fraud or suspicious activity.

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