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[YMMV] Citi ThankYou® Points¹ - use 20% fewer points for a Lowe's gift card²

+23 Deal Score
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Received email from Citi with subject "Convert your cash rewards to points to enjoy this special offer"
Convert your cash rewards to ThankYou® Points¹ and use 20% fewer points when you redeem for a Lowe's gift card²
Time for a DIY project?
Convert your cash rewards to ThankYou Points and use 20% fewer points on a Lowe's gift card f r o m 0 7 / 0 9 / 2 0 2 1 , 1 2 a . m . E T t o 0 7 / 1 3 / 2 0 2 1 , 1 1 : 5 9 p . m . E T .²

I don't see what is the maximum amount allowed in email Frown


https://www.citi.com/login?nextRo...2Fcallback
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This comment has been rated as unhelpful by Slickdeals users
Joined Nov 2014
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#2
I received this email as well. I'm a little nervous about converting rewards to points because other than these sales I would obviously much rather have the cashback. Citi says once you convert you can't go back. I'm not sure if a one time 20% discount is worth not having the cashback option anymore. Does anyone know if my assumptions are true or experience?
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#3
Quote from pierf87 :
I received this email as well. I'm a little nervous about converting rewards to points because other than these sales I would obviously much rather have the cashback. Citi says once you convert you can't go back. I'm not sure if a one time 20% discount is worth not having the cashback option anymore. Does anyone know if my assumptions are true or experience?
you can cash out points for statement credit. and you will continue earning cash back with your card.
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#4
Quote from pierf87 :
I received this email as well. I'm a little nervous about converting rewards to points because other than these sales I would obviously much rather have the cashback. Citi says once you convert you can't go back. I'm not sure if a one time 20% discount is worth not having the cashback option anymore. Does anyone know if my assumptions are true or experience?
It just means that after you convert the cashback to points, you can't convert the points back to cashback. You will still continue earning cashback on your card (if you normally do). Also, you can choose how much cashback you want to convert to points, you don't have to convert all of it.
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Joined Jul 2007
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#5
Anything I could do with $1600 in Lowes GC to get $1600 in cash?
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#6
Quote from maveriq :
Anything I could do with $1600 in Lowes GC to get $1600 in cash?
Doubt it, 10-20% discount on Lowe's GCs is common out there and you can't buy visa or other GCs with Lowe's GC anymore
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Last edited by arribasn July 9, 2021 at 01:51 PM.
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#7
If you have Citi Rewards+ Credit Card, you also get a 10% bonus each time you use TYP. So this effectively becomes 30% redemption discount. Great deal given that Citi Removed 1.25 Travel redemption on TYP
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#8
Quote from maveriq :
Anything I could do with $1600 in Lowes GC to get $1600 in cash?
You can package it with a $500 AGC and I'll give you 1600 cash
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#9
Quote from njguy545 :
You can package it with a $500 AGC and I'll give you 1600 cash
This sounds like the offers you get from Craigslist lowballers laugh out loud
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#10
Quote from addictedsaver :
you can cash out points for statement credit. and you will continue earning cash back with your card.
Yes, you can redeem for statement credit or direct deposit BUT every $1 earned will only be worth $0.5 - $1 (depending on the card)
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Joined Oct 2011
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#11
Thanks got a Lowes GC for future use.
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#12
Quote from arl16 :
If you have Citi Rewards+ Credit Card, you also get a 10% bonus each time you use TYP. So this effectively becomes 30% redemption discount. Great deal given that Citi Removed 1.25 Travel redemption on TYP
What's TYP?
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Joined Nov 2011
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#13
Quote from stevenSDer :
What's TYP?
It's Thank You Points from Citi
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#14
Is there any point in keeping the cash back (Double Cash) or should I just convert to TYP?
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#15
Quote from tenderidol :
This sounds like the offers you get from Craigslist lowballers laugh out loud
Sorta, but also I would figure the Lowes GC has a discounted value of at .8 or less of face value, so if you were going to "private sale" a Lowes GC, realistically you would I think $300 or more off of a $1600 card would make sense. AGC discounts are a lot less. I probably wouldn't take the offer the other user made, but It is maybe $100 off of what I figure would be a fair offer - not exactly lowball.
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