Citi ThankYou points can be used towards a statement credit, previously when using this it wouldn’t charge the minimum payment required. Citi is now allowing points be used towards the minimum due as part of their COVID-19 relief program. When using this option you’re given 0.8¢ per point (better than the 0.5¢ standard rate but still not great. You can get 1¢ per point against your mortgage). It’s important to remember that you want to pay off the full balance whenever possible as the APR on credit cards is extremely high, the current rate is up to 23.99% on the Citi Premier for example.