Citibank Credit Cards

Citi uses all three major credit bureaus to evaluate credit card applications. That doesn’t mean it will pull all three of your credit reports, though. Rather, there’s no telling which bureau(s) Citi will pull from when you apply.

But that shouldn’t be a big deal. Your major credit reports contain nearly identical information. So if one includes negative information, the other two probably will as well. And if there’s a mistake on any of your credit reports, you’ll want to dispute that right away.

Besides, it’s pretty much impossible to predict a credit card company’s opinion of your financial past. They all use their own customized credit scores, for one thing, which explains why there is no one “real” credit score.

Citi issues credit cards on both the Visa and Mastercard card networks. For example, there’s the Costco Anywhere Visa® Card by Citi and the Citi Diamond Preferred Mastercard.

Citi also issues a number of store credit cards, which can only be used at the retailers with which they’re affiliated. They include the likes of the Staples® Credit Card, the Best Buy® Store Card, and the Home Depot® Credit Card.

If you would like to learn more about the differing roles played by card networks and card issuers, you can check out this WalletHub guide.

It depends on which Citi credit card you have. With some Citicards, such as ThankYou® Preferred and ThankYou® Premier, your points will never expire as long as your account is open. Others such as Citi Prestige®, will revoke unredeemed points if you don’t have any purchase activity for 18 months.

For a detailed list, see “Points Expiration, Suspension and Forfeiture,” here.

Yes, Citi Thank You points can be redeemed for cash. And you have the option of receiving either a statement credit or a check.

Redeeming ThankYou points for cash isn’t a very good deal, though. Each point will get you just half a cent, or 0.5% cash back. And you’d get more bang for your buck, so to speak, by redeeming your Citi ThankYou points for travel.

To learn more about the best ways to redeem Citi ThankYou points, check out WalletHub’s ThankYou Rewards Review.