Citi ThankYou Mastercard Guide

35 data points

GroceriesOnline Purchase

Date

2026-07-20fromFlyerTalkFlyerTalk

Giftcard Purchased

Gift Card

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 ThankYou Points

Additional Notes

Confirmed in Flyertalk - https://www.flyertalk.com/forum/37852090-post851.html - Doordash gift cards code as grocery and onlineRead more
Groceries

Date

2026-07-20fromFlyerTalkFlyerTalk

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 ThankYou Points

Additional Notes

Confirmed in Flyertalk - https://www.flyertalk.com/forum/37850735-post846.html - Walmart self-checkout counts as groceriesRead more
Department StoresRetail

Date

2026-07-20fromFlyerTalkFlyerTalk

Giftcard Purchased

3rd Party

Purchase Type

🌐

Online Purchase

https://www.target.com

Reward Details

Amount

Earning Rate

100 USD2X

Rewards

200 ThankYou Points

Additional Notes

Confirmed in Flyertalk - https://www.flyertalk.com/forum/37850493-post844.html - Target 3rd-party gift card purchases count for 5% Retail offerRead more
Department StoresRetail

Date

2026-07-14fromFlyerTalkFlyerTalk

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD2X

Rewards

200 ThankYou Points

Additional Notes

Confirmed in Flyertalk - https://www.flyertalk.com/forum/37840414-post821.html - Staples in-store count for RetailRead more
Other

Date

2026-07-14fromFlyerTalkFlyerTalk

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.staples.com

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 ThankYou Points

Additional Notes

Confirmed in Flyertalk - https://www.flyertalk.com/forum/37840414-post821.html - Staples.com purchases do not count for RetailRead more
Home Improvement

Date

2026-07-11fromFlyerTalkFlyerTalk

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.homedepot.com

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 ThankYou Points

Additional Notes

Confirmed in Flyertalk - https://www.flyertalk.com/forum/37835833-post801.html - Ordering online for in-store pickup at Home Depot does not count as onlineRead more
Restaurant

Date

2026-07-10fromFlyerTalkFlyerTalk

Giftcard Purchased

Lowe's

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 ThankYou Points

Additional Notes

Confirmed in Flyertalk - https://www.flyertalk.com/forum/37835367-post798.html - Lowes gc from DoorDash count for both GGR and OnlineRead more
Online PurchaseRestaurant

Date

2026-07-09

Giftcard Purchased

Best Buy

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 ThankYou Points

Additional Notes

You can double dip by purchasing gc on doordashRead more
Online Purchases

Date

2026-07-08fromFlyerTalkFlyerTalk

Giftcard Purchased

Home Depot

Purchase Type

🌐

Online Purchase

https://www.homedepot.com

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 ThankYou Points

Additional Notes

Confirmed in Flyertalk - https://www.flyertalk.com/forum/37831603-post785.html - Purchased a $100 eGift card from HomeDepot.com and that went throughRead more

Heb

USA

Grocery

Date

2026-06-21

Giftcard Purchased

Mastercard

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

500 USD3X

Rewards

1500 ThankYou Points

Heb

USA

Grocery

Date

2026-06-15

Balance Reload

Yes

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

500 USD3X

Rewards

1500 ThankYou Points

Electronics StoresHome ImprovmentOnline Purchase

Date

2026-03-15fromDoctor of CreditDoctor of Credit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.apple.com

Reward Details

Amount

Earning Rate

500 USD1X

Rewards

500 ThankYou Points

Additional Notes

Confirmed in doctorofcredit - https://www.doctorofcredit.com/what-works-eligible-categories-for-the-citi-sears-card/#comment-2277530Read more
Department StoreOnline PurchasesRetail

Date

2026-03-12

Balance Reload

Yes

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

100 USD2X

Rewards

200 ThankYou Points

GroceriesOnline Purchase

Bank & Card

USA flag

Citi ThankYou Mastercardvia Walmart Scan & Go logoWalmart Scan & Go

Date

2026-03-09

Giftcard Purchased

Visa

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

300 USD3X

Rewards

900 ThankYou Points

Additional Notes

Buy gift cards and other items too

Grocery

Date

2026-02-26

Giftcard Purchased

Meijer

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

500 USD3X

Rewards

1500 ThankYou Points

DiningOnline Purchase

Date

2026-02-25

Giftcard Purchased

Bestbuy

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

200 USD3X

Rewards

600 ThankYou Points

Online ShoppingRetail

Date

2026-02-25

Giftcard Purchased

Target

Purchase Type

🌐

Online Purchase

https://www.target.com

Reward Details

Amount

Earning Rate

500 USD2X

Rewards

1000 ThankYou Points

Department StoreOnline PurchaseRetail

Date

2026-02-24

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.chewy.com

Reward Details

Amount

Earning Rate

50 USD2X

Rewards

100 ThankYou Points

Department StoreOnline PurchaseRetail

Date

2026-02-24

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

50 USD2X

Rewards

100 ThankYou Points

❓❓❓Closes: 2026-02-28

Date

2026-02-23

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Seeking Data Point

Additional Notes

[Community Request] User is asking: How does Canon code on Citi ThankYou Mastercard?Read more
Online PurchaseRetail

Date

2026-02-18

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.newegg.com/

Reward Details

Amount

Earning Rate

100 USD2X

Rewards

200 ThankYou Points

Home Improvement

Date

2026-02-14fromFlyerTalkFlyerTalk

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

500 USD1X

Rewards

500 ThankYou Points

Additional Notes

Confirmed in flyertalk - https://www.flyertalk.com/forum/37596817-post387.htmlRead more
Electronics Store

Date

2026-02-09fromFlyerTalkFlyerTalk

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.apple.com

Reward Details

Amount

Earning Rate

320 USD1X

Rewards

320 ThankYou Points

Additional Notes

Confirmed in flyertalk - https://www.flyertalk.com/forum/37587156-post355.html. Does not trigger the retail offer.Read more
Online PurchaseRetail

Date

2026-02-09fromDoctor of CreditDoctor of Credit

Giftcard Purchased

Walmart

Purchase Type

🌐

Online Purchase

https://www.walmart.com

Reward Details

Amount

Earning Rate

500 USD2X

Rewards

1000 ThankYou Points

Additional Notes

Confirmed in doctorofcredit- https://www.doctorofcredit.com/targeted-citi-thankyou-formerly-sywr-spending-offers-for-february-april/#comment-2251999Read more
Department StoreRetail

Date

2026-02-09fromFlyerTalkFlyerTalk

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

28.6 USD2X

Rewards

57.2 ThankYou Points

Additional Notes

Confirmed in flytertalk - https://www.flyertalk.com/forum/37586971-post353.htmlRead more
Department StoreOnline PurchaseRetail

Date

2026-02-06

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

300 USD2X

Rewards

600 ThankYou Points

Home Improvement

Date

2026-02-04

Giftcard Purchased

Mastercard

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

206.95 USD1X

Rewards

206.95 ThankYou Points

Home Improvement

Date

2026-02-04

Giftcard Purchased

Visa

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

206.95 USD1X

Rewards

206.95 ThankYou Points

Home ImprovementOnline Purchase

Date

2026-02-02

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.bestbuy.com/home

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 ThankYou Points

Online PurchaseRetail

Date

2026-02-02

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.walmart.com/

Reward Details

Amount

Earning Rate

100 USD2X

Rewards

200 ThankYou Points

Page 1 of 2

Quick Rewards Guide for Citi ThankYou Mastercard

💡 Primary Spending Category: The community most frequently reports using the Citi ThankYou Mastercard for "Home Improvement" transactions as well as for "Grocery & Retail, Department Stores".

🚀 Top Earning Rate: Verified community purchases show this card earning up to 3X ThankYou points on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including DoorDash, Walmart, Target, Staples. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.

Frequently Asked Questions

Q:What are the best categories to use the ThankYou Mastercard for?

Based on verified community transactions, the Citi ThankYou Mastercard yields the best return when used for "Home Improvement" transactions, followed closely by "Grocery, Retail, Department Stores".

Q:How do I ensure I get maximum points or cash back with this card?

Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.

Q:Does payment method (like Apple Pay or PayPal) affect the coding?

Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.