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You can now redeem your Citi points at Walmart, but you probably shouldn't

Nov. 10, 2022
4 min read
Walmart gas station
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If you have a Citi card that earns ThankYou points, you may have received an email that you can now redeem ThankYou points for in-store Walmart purchases.

While we're all gearing up for holiday purchases, redeeming ThankYou points at Walmart provides an underwhelming redemption rate of just 0.8 cents per ThankYou point — that's not even half of TPG's valuation.

Here's why you should think twice before redeeming ThankYou points at a Walmart cash register.

Redeeming ThankYou points at Walmart

THANKYOU.COM

Redeeming your ThankYou points for in-store Walmart purchases isn't difficult, and no prior enrollment is required.

When you check out at a participating Walmart location with a purchase of $10.01 or more, swipe your Citi card at the cash register. If your store and purchase are eligible, the terminal will then say, "Redeem your ThankYou points?" and "Use 1,250 points for $10."

It's easy to be misled and select "yes," resulting in a redemption at a fraction of what you could be getting if you maximize your ThankYou points.

For example, the 12,500 ThankYou points needed to cover a $100 Walmart purchase could be used to book a one-way ticket from New York to Berlin. Simply transfer points to Air France-KLM Flying Blue and leverage its November Promo Rewards to book this flight. You'd even save 1,250 points if you went this route.

AIRFRANCE.US

Related: 5 great ways to maximize 80,000 Citi ThankYou points

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Citi cards that let you redeem points at Walmart

You can redeem ThankYou points at Walmart by using any of the major Citi cards that earn ThankYou points, including those without an annual fee. This includes the following cards:

  • Citi Prestige® Card (no longer available to new applicants).
  • Citi Premier® Card.
  • Citi Custom℠ Cash.
  • Citi® Double Cash.
  • Citi Rewards+® Card.
  • Citi ThankYou Preferred Card (no longer available to new applicants).
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®(no longer available to new applicants).
  • Citi AT&T Access (no longer available to new applicants).
  • Citi AT&T Access More (no longer available to new applicants).
  • Citi AT&T Universal Cards (no longer available to new applicants).
  • Citi Sears Card.

The information for the Citi Prestige, Citi ThankYou Preferred, CitiBusiness, Citi AT&T Access, Citi AT&T Access More, Citi AT&T Universal and Citi Sears cards have been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The ultimate guide to Citi ThankYou Rewards

Warn your authorized users

Just like primary cardholders, authorized users may be prompted to drop into ThankYou points at checkout.

If you have a friend or family member who is an authorized user on your Citi card that earns ThankYou points, consider giving them a heads-up about using ThankYou points at Walmart.

Related: Everything you need to know about authorized users

Bottom line

If you have a Citi card that earns ThankYou points, you may be able to now redeem them at a Walmart cash register. TPG values Citi ThankYou points at 1.8 cents apiece, so Walmart's disappointing 0.8-cent redemption rate should be avoided if you're trying to stretch your points.

While ThankYou points from a no-annual-fee card aren't transferrable to Citi's full list of transfer partners, they can still be redeemed in Citi's (shaky at best) travel portal at 1 cent apiece — even that's 20% more than what you'll get at Walmart.

Featured image by HUM IMAGES/UNIVERSAL IMAGES GROUP/GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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TPG featured card

Best for earning alternative rewards for travel purchases
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review
Apply for Credit One Bank Wander® Card
at Credit One Bank's secure site

Rewards

1 - 10X points
10XEarn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
5XEarn 5x points on eligible travel, dining, and gas
1XEarn 1x points on all other purchases

Intro offer

Earn 10,000 Bonus Points
Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel

Annual Fee

$95

Recommended Credit

Fair/Good
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The revamped Wander Card from Credit One Bank earns cardmembers up to 10 points per dollar spent on eligible travel purchases. With no foreign transaction fees, the card is also great for international travel. However, points earned from this card can only be used at a fixed value, so it may not be the best option for those striving to get maximum value from their rewards.

Pros

  • This card has no foreign transaction fees and earns up to 10 points per dollar on travel purchases through the Credit One Bank travel partner site.

Cons

  • While cardholders can earn a significant amount of points on travel purchases, there isn't any way to redeem points from the Wander Card for maximum value (beyond 1 cent per point).
  • Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel
  • Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel site
  • Earn 5x points on eligible travel, dining, and gas
  • Earn 1x points on all other purchases
  • Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Free Online Credit Score and Credit Report summary, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees
Apply for Credit One Bank Wander® Card
at Credit One Bank's secure site
Terms & restrictions apply. See rates & fees
Best for earning alternative rewards for travel purchases
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards Rate

10XEarn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
5XEarn 5x points on eligible travel, dining, and gas
1XEarn 1x points on all other purchases
  • Intro Offer
    Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel

    Earn 10,000 Bonus Points
  • Annual Fee

    $95
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    Fair/Good

Why We Chose It

The revamped Wander Card from Credit One Bank earns cardmembers up to 10 points per dollar spent on eligible travel purchases. With no foreign transaction fees, the card is also great for international travel. However, points earned from this card can only be used at a fixed value, so it may not be the best option for those striving to get maximum value from their rewards.

Pros

  • This card has no foreign transaction fees and earns up to 10 points per dollar on travel purchases through the Credit One Bank travel partner site.

Cons

  • While cardholders can earn a significant amount of points on travel purchases, there isn't any way to redeem points from the Wander Card for maximum value (beyond 1 cent per point).
  • Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel
  • Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel site
  • Earn 5x points on eligible travel, dining, and gas
  • Earn 1x points on all other purchases
  • Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Free Online Credit Score and Credit Report summary, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees