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The Citi "agreement" provides that Citi owes you nothing. They can refuse any reward for any reason they deem operative. They say that you have zero enforceable rights. Pay 100% of the balance due by redeeming your "cash rewards," and Citi can insist that you pay more. Citi can refuse to redeem your "Cash Rewards" balance when you ask for a check or ask that it be applied to your credit card balance: "Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason..." "You have no property rights or other legal interest in cash rewards." So, purportedly all the rights for Citi; no rights for the customer.
Tip for consumers:
Keep your "rewards' balance as low as practicable so that you lose less when they decided to enforce their one-sided terms against you.
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