Citi

Card Benefits

 

Card Benefits FAQs

General FAQs

Go to the Citi.com website.
Simply sign on and select the program or service you want to cancel. You will find the Customer Service number to call to cancel along with the hours of operation.
Programs and services offered through Citi, for which there is a charge, include information in the offer materials for how the charge will be billed. If the program or service is offered through a Citi credit card, in most situations it will be billed directly to the selected Citi® Card. For information about a specific program or service, please refer to the offer materials or call Citi customer service at 1-800-347-4934 TTY: Use 711 or other Relay Service
When you sign on, we show you only those benefits that come with your Citi® Card, as well as the programs and services you already have or are eligible for.
Not all protection programs and services are included on the Benefits page. If you have a question about another program billed through your Citi card that is not displayed, please call the customer service number on the back of your card.
When you see a plus sign, it means the program or service is available to you at no cost if you take an action to be able to use the program or service, (e.g., enroll in the program, download an App., etc.).

There could be a number of reasons for this, including:

  1. If your credit card was closed and you were issued a new card, the built-in benefits that come with the new card may differ from your old one.
  2. The program or service has been cancelled.

If you have any questions, please call the number on the back of your card.

In most cases, all the cards linked to a specific User ID and password will be displayed on the My Benefits page. There are some exceptions, including most Business Cards and Professional Cards.
Each Citi® Card comes with specific built-in benefits and they can vary by the type of credit card you have.
Your card will continue to show online after you close your account for several reasons. These reasons can include: 1) programs and services added to or billed to the account are not yet cancelled and/or expired, or 2) you still have a balance on your account. If you do not want the card account to show online, delink it from your Citi Online account by going to the Account Management tab and select 'Link/Unlink Accounts'. If you have questions, please call the number on the back of your card.

Credit and Account Protection

We think it’s important to provide our cardmembers with free access to information that will help them understand and stay on top of their credit status. That’s why we’re providing you with your FICO® Score and information to help you understand it.
Citi partners with FICO and Equifax, one of the major credit reporting agencies, to be able to provide you with your FICO® Score.
Citi gets a refreshed FICO® Score on a monthly basis. The “as of” date represents the date the score was pulled at Equifax. The score is made available to you about 10 days later to allow time for Citi to validate the information.
Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and is the same score we use to make credit decisions to existing accounts. This model has a FICO® Score range from 250 through 900.
The FICO® Score Citi provides is based on information from your Equifax credit report based on the “as of” date included with your score. This may differ from scores you obtain elsewhere that may have been calculated at a different time using information from a different credit bureau or even a different score model. If you have additional questions regarding the FICO® Score model and how it’s calculated, please refer to the FICO® Score FAQ and Understanding FICO® Scores links under the “Useful Links” section below.
If you want to understand what’s in your credit report, you can request your free annual credit report from www.annualcreditreport.com.  You’re able to pull one free credit report each year from each of the credit reporting agencies. After pulling your credit report, if you have any questions, you can call the number provided on your report.
Your FICO® Score and Key Factors were provided to Citi as they correspond to information within your Equifax credit report based on the calculation date (i.e., “as of” date). If you feel this information is inaccurate, you can request a free annual credit report from Equifax at www.annualcreditreport.com.  If you have additional questions after reviewing, please contact Equifax at the number provided within your credit report. You’ll be able to speak with a representative for additional help. Be sure to have the Reference Number included with your credit report when speaking with Equifax.
Please go to Equifax Credit Report Assistance to initiate or check the status of a dispute.
Your score won’t be available if:

  • You’re an authorized user on someone else’s account
  • You have a joint account
  • The billing statement is not in your name
  • You recently opened a new account (it may take a few weeks to display)
  • Your card currently does not offer this benefit
  • Your credit card account is no longer active
FICO® Scores are just one component Citi uses for lending and credit decisions. However, since we do have the score we want to make it available to you so you’re informed about your credit status and understand what factors impact your score.
Score assessments from Citi are considered a soft inquiry to the credit bureau and have no impact on your overall credit score.
There are various scores available in the marketplace.  The FICO® Score Citi delivers to cardmembers ranges from 250-900.
Sometimes it takes up to two months to update your cardmember information with your FICO® Score.  If you're a new cardmember and are not seeing your FICO® Score just yet, please check back in a few weeks to see if it’s available.
You can access your score by signing into Citi Online and clicking through to the Card Benefits tab and selecting the FICO® Score link.
Please refer to the guides Fair Isaac Corporation (FICO) has provided to help consumers better understand the FICO® Score.  Links to these documents are found under the “Useful Links” section at the bottom of the FICO Score Product page.
Sign in to Citi® Online, go to the Account Management tab and choose Manage Paperless Settings. Here you can select Statement Delivery Method to Paperless.
  • Reduce clutter and get your statement and most legal notices online only instead of in the mail.
  • Receive an email notification letting you know when your statement or legal notice is available to be viewed in Citi Online.
There are no fees for receiving Paperless Statements and E-Communications.
Yes, your reward information can be found in your electronic PDF statement.
We automatically send you an email notification when your statement or a legal notice is ready to be viewed in Citi® Online.
Sign in to Citi® Online and go to the My Profile page to update your contact information.
No, when you sign up to receive statements online only, we will no longer send you paper statements via US mail.
No, cancelling your enrollment in AutoPay or Online Bill Pay will not affect your enrollment in Paperless.
When you report your card as lost or stolen, your account will be assigned a new number and your Paperless Statements enrollment will automatically transfer to your new account.
To cancel online, sign in to Citi® Online, go to the Account Management. To cancel by phone, please call the number on the back of your card to speak to a customer service representative.

Card Benefits Site Terms of Use

When using any of the Programs (as defined below) offered through Card Benefits, you agree that you are subject to any additional posted guidelines, rules, terms and conditions applicable to such Programs, which are hereby incorporated by reference into these Additional Terms & Conditions (“Terms”). You may not access the Card Benefits Site unless you are an individual and are not acting on behalf of a company or other entity. These Terms are a legally binding contract between you and Citi. It is important that you take the time to read these Terms carefully. You should print or save a copy of these Site Terms of Use for your records. These Terms are subject to the Card Agreement for your account, including the arbitration and applicable law provisions.

We reserve the right to update or make changes to these Terms from time to time in our sole discretion, which changes we may provide to you by any reasonable means, including without limitation, by posting the revised version of these Terms on this section of the Site. You can determine when these Terms were last revised by referring to the “EFFECTIVE DATE” section at the end of these Terms. Your continued use of Card Benefits through the Site after such changes have been made available to you means that you accept such changes.

USE OF CARD BENEFITS

You may use Cards Benefits only for your personal and non-commercial purposes and subject to these Terms, all applicable laws, rules and regulations and any agreements or terms with Citi, its affiliates or third parties to which you are subject.

PROGRAMS

Card Benefits provides you with access to various products, services and Programs (“Programs”) provided by Citibank and its affiliates, as well as independent third parties, including Payment Safeguard, Emergency Payment Relief and FICO® Score. You can access all Programs that you are currently registered for on Card Benefits by visiting the My Benefits page.

Citi is not responsible for any third party Programs that are governed by their own terms and conditions. You agree that you shall only look to the third party Program provider for any matters in connection with such third party Programs.

Citi, in its sole discretion, may modify, enhance, discontinue or otherwise change Card Benefits and all content and Programs available through Card Benefits, in whole or in part, at any time without notice to you.

The fees and payment terms, if any, for all Programs shall be set forth within the Program terms and conditions which can be found on the Product Details pages or the applicable third-party site.

The information on Card Benefits may contain typographical errors or other errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We reserve the right to refuse to fill any requests that you may place based on information on Card Benefits or elsewhere that may contain errors or inaccuracies, including, without limitation, errors, inaccuracies or out-of-date information regarding pricing or payment terms.

The information is for general informational purposes only. Some content may simply be our opinion. You should consult with your financial advisors before taking any steps regarding your personal finances. Nothing on Card Benefits is intended to be a substitute for professional financial advice or advice or assistance for the purpose of improving your credit, credit history or credit rating.

PROHIBITED USE

You may not use spiders, robots, data mining techniques or other automated devices or programs to catalog, download or otherwise reproduce, store or distribute content available on Card Benefits. Further, you may not use any such automated means to manipulate Card Benefits or attempt to exceed the limited authorization and access granted to you under these Terms.

ACCESS TO CARD BENEFITS

You may access Card Benefits without signing-in, but in order to take advantage of many aspects of Card Benefits, you will need to sign-in using your Citi® user ID and password through www.citi.com/credit-cards or www.citi.com. Once you do so, you will be able to see your credit card benefits and programs. The products, services and programs contained within Card Benefits are for your sole, personal use. You may not authorize others to use your products, services and programs, and you may not assign or otherwise transfer your products, services and programs to any other person or entity.

If you choose to sign into Card Benefits, you agree to (a) provide accurate, current and complete information about you as may be prompted by any account forms on Card Benefits ("Account Data"); (b) maintain the security of your Citi user ID and password; (c) maintain and promptly update the Account Data, and any other information you provide to Citibank, to keep it accurate, current and complete; and (d) be fully responsible for all use of your use and where applicable, purchase, of your products, services and programs.

If any credit account that you have with Citi permits you to make purchases or otherwise enter into any contracts or agreements, you will be responsible for all such activity undertaken under your user name whether you have consented to the use of your user name or not. You should never share your password with any other person.

You must notify Citi of any known or suspected unauthorized use(s) of your Card Benefits products, services and programs or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your user name or credit card information.

TERMINATION OF ACCESS

In addition to any right or remedy that may be available to us under these Terms, the Citi Online Terms and Conditions or applicable law, we may suspend, limit or terminate your account, or all or a portion of your access to Card Benefits, at any time with or without notice and with or without cause. In addition, we may refer any information on illegal activities, or violation of these Terms or the Citi Online Terms and Conditions, including your identity, to the proper authorities.

We may, but are under no obligation, to monitor your usage of Card Benefits to confirm compliance with these Terms.

COMMUNICATIONS

Communications and documents may either be posted to Card Benefits or emailed to you using the email address that you have provided to Citi Online or to us. It is your obligation to check for such communications and documents regularly, and to update your email address with Citi or any third party Program provider in the future if your address changes.

When you access Card Benefits, you will receive messages about Programs you have or that are available to you. If you would like to refine the types of email messages you receive, please sign into your online Citi account and update your Communication Preferences within the Personal Profile section. You can choose to receive marketing and servicing emails or limit the communications to servicing only. To opt-out of some or all messages non-servicing from Card Benefits, please see our Privacy Policy.

PROPRIETARY RIGHTS

Citibank or the Program providers are the owners of all content, software, graphics, designs, Programs and all copyrights, trademarks and other intellectual property or proprietary rights contained on or used in connection with the Card Benefits. Except as set forth herein, you agree not to copy, distribute, modify or make derivative works of any materials without the prior written consent of the owner of such materials. All rights not granted under these Terms are reserved by Citi and the Program providers.

NO WARRANTIES

THE PROGRAMS, PRODUCTS, CONTENT AND SERVICES FEATURED OR ACCESSED THROUGH THE CARD BENEFITS PORTION OF THE SITE AND THE PORITON OF THE SITE ITSELF , ARE PROVIDED "AS IS" AND CITIBANK, ITS AFFILIATES, BUSINESS PARTNERS AND PROGRAM PROVIDERS MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT, PROGRAMS OR SERVICES ON THE SITE. FURTHER, TO THE FULLEST EXTENT PERMISSIBLE BY LAW, CITIBANK, ITS AFFILIATES, BUSINESS PARTNERS AND PROGRAM PROVIDERS DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CITI, ITS AFFILIATES, BUSINESS PARTNERS AND PROGRAM PROVIDERS DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE CARD BENEFITS PORTION OF THE SITE OR ANY MATERIALS, PROGRAMS OR CONTENT CONTAINED THEREIN WILL BE COMPLETELY SECURE, UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE, THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CITI AND ITS AFFILIATES SHALL NOT BE LIABLE FOR THE USE OF THE CARD BENEFITS PORTION OF THE SITE , INCLUDING, WITHOUT LIMITATION, THE SITE, CONTENT, PROGRAMS OR SERVICES AND ANY ERRORS CONTAINED THEREIN THAT ARE PROVIDED BY THIRD PARTIES. IN NO EVENT WILL CITIBANK, ITS AFFILIATES, BUSINESS PARTNERS AND PROGRAM PROVIDERS BE LIABLE UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE, OR OTHER CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST DATA, LOST OPPORTUNITIES, COSTS OF COVER, PERSONAL INJURY/WRONGFUL DEATH, EACH OF WHICH IS HEREBY EXCLUDED BY AGREEMENT OF THE PARTIES REGARDLESS OF WHETHER OR NOT CITIBANK, ITS AFFILIATES, BUSINESS PARTNERS OR PROGRAM PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

If any part of these warranty disclaimers or limitations of liability is found to be invalid or unenforceable for any reason or if we are otherwise found to be liable to you in any manner, then the aggregate liability for all claims under such circumstances for liabilities, shall not exceed the greater of (i) the amount paid by you for the Programs you have enrolled in through Card Benefits during the prior twelve (12) months or (ii) ten dollars ($10).

INDEMNITY

You agree to defend, indemnify and hold harmless Citi, its affiliates, business partners, Program providers and each of their respective officers, directors, employees, representatives and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) any breach by you of any of these Terms, (ii) your use of content, Programs or services available on Card Benefits or (iii) a violation by you of applicable law or any agreement or terms with a third party to which you are subject.

SEVERABILITY

If any part of these Terms shall be held or declared to be invalid or unenforceable for any reason by any court of competent jurisdiction, such provision shall be ineffective but shall not affect any other part of these Terms.

WAIVER; REMEDIES

The failure by us to partially or fully exercise any rights or the waiver of any breach of these Terms by you, shall not prevent a subsequent exercise of such right by us or be deemed a waiver by us of any subsequent breach by you of the same or any other term of these Terms. Our rights and remedies under these Terms shall be cumulative, and the exercise of any such right or remedy shall not limit our right to exercise any other right or remedy.

CONTACT INFORMATION

Should you have any questions you may contact us at 1-800-950-5114 (TTY: 1-800-325-2865).

EFFECTIVE DATE

These Terms were last updated on May 15, 2016