Membership in this program is limited to people with a Citi Credit Card with ThankYou Network, an eligible Citibank checking account enrolled in ThankYou Network, a Smith Barney Financial Management Account (FMA Card) enrolled in ThankYou Network, or Expedia account linked to a ThankYou Member account.
The program is free to join — sign up here.
Earn points for shopping both online (there are over 300 merchants in their online mall) or in-store. You can use any credit card you want when shopping online, but you’ll earn double points for using a registered Citi credit or debit card. Points can also be purchased, at a cost of $25 per 1,000 points.
Redemptions start at 1,000 points (for $5 GC). A $25 gift card costs 3,500 points.
My take: If you pay your credit card off in full each month, or if you have an eligible Citibank debit card, this program is definitely worthwhile. Their shopping rates are very competitive when the points are doubled for using a Citi card; otherwise, they’re low-to-average compared to other online shopping sites. Remember, though: if you’re charging to a Citicard and paying interest on it, you’re not really “earning” all this cash back — they’re recouping a big chunk of it with the interest you pay. So, pay in full or use a debit card. Of course, that’s good advice for anyone using any online rewards program. 
