How can I freeze my Citi Rewards+ Card?

The first thing to do when dealing with a lost Visa credit card is freeze the card through the card issuer’s website or mobile app, if possible. Next, report the lost Visa credit card to the bank or credit union that issued the card, and request a replacement. It usually takes 3-7 business days to get a replacement Visa card, but some issuers may offer expedited shipping, even for free.… read full answer

After that, take a breath. All Visa credit cards have $0 liability guarantees for unauthorized transactions, so you won’t have to pay for any fraudulent charges made with your card before you managed to freeze or report it. Once you report your card as lost, the card issuer will cancel that card number to permanently invalidate the Visa. They will then send you a replacement card. If you need the card within a few days, request expedited shipping when you speak with your card issuer. Just be sure to ask about any fees that may be assessed for rush delivery.

You can also report your lost card to Visa, but it’s not necessary. Visa will make sure that your card issuer is informed and will help you get a replacement card, but this can all be done faster by calling your card issuer directly. However, Visa can also arrange for emergency cash to be available at a bank near you within hours of your bank’s approval. This service should only be used a last resort, but it can come in handy if you’re stuck in a foreign country without a credit card.

Finally, activate your new Visa once it arrives. You can begin using your card immediately after activation. Since the former card number will no longer work, make sure to update your billing information for all recurring payments, so that you don’t get charged late fees.

The Citi Rewards+ Card exchange rate is Mastercard’s exchange rate on the date you make a purchase, plus any foreign transaction fees. While Mastercard exchange rates change daily, the Citi Rewards+ Card foreign fee is always 3% of each transaction in U.S. dollars.

It’s best to use a credit card with no foreign transaction fee… read full answer when making purchases from international merchants. As long as you have such a card and avoid dynamic currency conversion, the exchange rates you’ll pay on international spending with a credit card will be much lower than those you’d get from converting cash with banks, credit unions, or airport currency exchange services.

You can redeem your Citi Rewards+ Card points online or by calling the ThankYou service center at (800) 842-6596.

To redeem your points online, log in to your account on the Citi ThankYou Rewards website and click on one of the redemption categories at the top of the page. Then, use the sub-menu to navigate to a more specific redemption option.… read full answer

Citi Rewards+ Card points redemption options include:

• Gift Cards: Trade points for gift cards in many categories, from clothing and department stores to electronics and restaurants. You can usually redeem at a rate of 1 cent per point, but certain gift cards may be on sale. It takes 1 to 3 weeks to receive a gift card after redeeming.
• Shop With Points: Use points to pay for purchases directly on a retailer’s website or get a statement credit for purchases after you make them. Points are worth 0.8 cents each with this option.
• Travel: Use points to book flights, hotels, rental cars, cruises and more. The value of points can vary based on the type of travel, length of the trip and more.
• Other Ways to Redeem: The Citi Rewards+ Card offers a few other redemption options. You can transfer points to partnered airline or retail loyalty programs at a 1:1 ratio, make charitable donations, get cash or a statement credit, make a payment toward a mortgage or student loan and more.

Overall, there are a lot of ways to redeem Citi Rewards+ Card points, and the card has the unique feature of rounding up rewards points on purchases to the nearest 10. So even a $1 purchase gives you 10 points to redeem. Plus, Citi Rewards+ Card points don’t expire as long as your account is open. And there’s no limit on the number of points you can earn.