Targeted Citi ThankYou® Mastercard Offer: Earn 8% Back on Home Improvement Purchases (Up to $100 Monthly)
Affiliate / Advertiser Disclosure:
This post may contain affiliate links. If you apply through a link on this site, I may receive compensation at no additional cost to you. All opinions are my own.
Citi is rolling out a targeted, limited-time offer for select Citi ThankYou® Mastercard holders (formerly known as the Shop Your Way Mastercard), allowing cardmembers to earn 8% back in statement credits on eligible home improvement purchases.
If you’re planning home repairs, renovations, or even smaller DIY projects, this promotion can deliver serious savings.
Deal Highlights at a Glance
- Earn: 8% back in statement credits
- Category: Eligible home improvement purchases
- Cap: Up to $100 per month in statement credits
- Spending Requirement: $1,000 or more per month in eligible purchases
- Offer Period: Through April 30, 2026
- Activation Required: Yes
How the Citi 8% Home Improvement Offer Works
Once you activate the offer, you’ll earn 8% back each month on qualifying home improvement purchases, after meeting the minimum spending requirement.
Here’s how it breaks down:
- Activate the targeted offer in your Citi ThankYou account
- Spend $1,000 or more per month on eligible home improvement purchases
- Earn 8% back in statement credits
- Receive up to $100 per month, depending on spend
Purchases must post to your account during the promotional period to qualify.
Eligible Home Improvement Purchases
While Citi does not publish a full merchant list, eligible purchases typically include spending at:
- Home improvement stores
- Hardware retailers
- Home renovation and repair merchants
- Select specialty home services
Always review the offer terms inside your Citi account to confirm merchant eligibility.
Important Dates to Know
- Offer start: February 1, 2026 (or the date you activate, whichever is later)
- Offer end: April 30, 2026
- Activation deadline: April 30, 2026
Missing activation means missing out on the rewards, so be sure to opt in before spending.
Why This Targeted Citi Offer Is Worth It
An 8% return on home improvement purchases is extremely strong, especially for ongoing projects where expenses add up quickly. With a monthly cap of $100 in statement credits, this offer can offset a significant portion of renovation costs over multiple months.
This deal is especially valuable if you:
- Are planning home upgrades or repairs in early 2026
- Already spend heavily at home improvement retailers
- Hold the Citi ThankYou / Shop Your Way Mastercard and can easily meet the spend requirement
