Do you want to go to the third party site? It's important to first understand the basics of this type of rewards redemption because the cost of travel can change depending on the season. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. 4% cash back on eligible gas for the first $7,000 per year (then 1%); 3% cash back on … Utilize these resources to help you assess your current finances & plan for the future. you update your browser for a better online banking experience. Apply for Citi Rewards Card today! While Citi Cash Back offers rebates on core expenses like food and fuel, Citi Rewards Card provides points–which can be converted to miles–for frequent shoppers. The short answer: no. She settled on one with a cash bonus for opening the account and a generous percentage back on gas. Cash back for being loyal to a particular department store. Earn Reward Points with every spend on your Citi Credit Card. Some even go so far as to pay you twice, once when you make the purchase, and again when you pay your bill. Some cards pay you your. For three steps you can take to keep your credit healthy, read 3 Smart Ways to Improve Your Credit Health. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Before you can decide if a cash back credit card is for you, it's important to understand how the one you're considering actually works. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Do your research to make the most of your credit card rewards redemptions. great if you make lots of small purchases because each purchase will be rounded up to the nearest 10 points Make every purchase more rewarding. Citibank and its affiliates are not responsible for the products, services, and content on the third party website. Citi rewards credit cards let you earn points on purchases for rewards. How much will you get paid, when, and for what? The idea is undeniably appealing, but likely also makes you wonder: Is it too good to be true? Turn Everyday Purchases into Something Bigger With the Citi Rewards+℠ Card, you can make the most of your everyday purchases by earning double ThankYou ® Points at the supermarket and gas stations, for the first $6,000 per year and then 1 point on all other purchases. Does the card charge an annual fee? You don't want to miss these bonus offers, so make sure to check your credit card site frequently. Redeem rewards to get your statement credit and enjoy not having to pay your credit card balance entirely out of pocket. Whether you want Cash Back, Great Rewards, or a Low Intro Rate, the choice is all yours. How often will you get your cash back? Credit card rewards are only valuable when you redeem them. Citi has a handful of credit cards that you can use to earn ThankYou Rewards Points. 200: Citi Corporate Card: 2 points/ Rs. That’s a pretty good deal for everyday spending. That's right, you can redeem credit card points for cash. How to earn up to $25 back U.S. branded and small business Citi cardmembers (with an account in good standing) can earn a bonus offer to receive 5% back on up to $500 of their online spending from Nov. 24 through Nov. 30, 2020. The cash back on gas was great, especially in the summers when we took road trips, and gas prices always seemed to spike, says Lynch. and its affiliates in the United States and its territories. It's a term we hear a lot. When you use your Citi credit card and want to redeem points be sure to look out for bonus credit card reward offers. Before you can decide if a cash back credit card is for you, it's important to understand how the one you're considering actually works. With the Citi ThankYou ® Preferred Card, Citi Premier℠ service mark Card and Citi Prestige ® Card you can earn points quickly so you can redeem for the rewards that mean the most to you.. Learn how FICO® Scores are determined, why they matter and more. When you redeem credit card points for rewards it's up to you what you choose. Especially when you're just starting out, You have to realize you may not be able to get the offers you want until you work towards that history and credit score. To use the Service, Cardholder must be enrolled to Citi Mobile ® App and redeem the cash rebate with Citi ThankYouSM Rewards Points ("Points") under Eligible Cards ("Cash Rebate"). Spreading your money across multiple credit cards means you are most likely not making the most of your credit card rewards. ^ Effective 9 Dec 2020, you will receive cash back of 0.25% on all retail purchases, additional cash back of 5.75% on Dining, 7.75% on Groceries and/or 7.75% on Petrol transactions worldwide, if you accumulate a total retail spend of S$800 or more in a statement month. Review financial terms & definitions to help you better understand credit & finances. For more tips on how to choose the right credit card, check out Can the Right Cash Back or Rewards Credit Card Help You Save Money? The more you use your Citi credit card to pay for everyday items, the more credit card points you will accumulate. Do you want to go to the third party site? Rewards redeemed for cash rewards make it easy for you to do what you want with your cash, like pay off pay monthly bills, deposit into an interest-accruing account, or save some extra cash for a special occasion. Looking for a rewards credit card that's just right for you? With premium credit cards, you can earn points fast so you can redeem your rewards points for your trip much sooner. When you know how to use reward points, you'll earn and redeem rewards faster! We recommend Earning back something on using these cards have also become an essential feature of credit cards. You are leaving a Citibank Website and going to a third party site. Depending on how much of a balance you carry, you may end up paying more in interest than you get back. Citi Rewards Card provides a Limited Offer of up to S$350 cash back. When you accumulate points on a Citi credit card that's geared towards your spending habits, you can maximize the amount of points you can earn to redeem for rewards. Redeem rewards points for your choice of gift cards from a variety of popular department stores, marketplaces, restaurants, hotels, retail shops, and more. *10X Rewards is capped at a total of 10,000 Points per statement month. You can redeem points to make charitable contributions directly through our rewards redemptions platform. If the card pays the highest percentage back on supermarket purchases, and you're a family of six, the payback on your weekly grocery hauls may make the annual fee a non-issue. If it does, it may not be a deal breaker, however. That site may have a privacy policy different from Citi and may provide less security than this Citi site. Treat your Citi ® Card as your instant cash. Choose from seven lines of Citi’s rewards credit cards. Click here for Citibank Rewards Card - Offer Terms and conditions Click here to view the Most Important Terms & conditions. Keep reading to learn how to redeem your credit card reward points. And the rewards add up so that you can redeem them to buy what you want! At the end of the day, knowing the redemption value of your points will help you get the most bang for your buck when you redeem your credit card rewards. There are many options when you choose to redeem for travel rewards. Whether it's redeeming Points or Miles to offset purchases or getting cash rebates, choose what you love from a variety of rewards through our wide selection of … For example, with Citi's ThankYou Points you can now put credit card points earned from that credit card towards your next purchase with select retailers. It all depends. Redeem your credit cards points for travel, including airfare and hotels. Get Citibank information on the countries & jurisdictions we serve, upon clicking, focus redirects to smart search URL, https://online.citi.com/US/JRS/globalsearch/SearchAutoCompleteJsonP.do, /cards/svc/autocomplete.autocomplete?view=ALL, how to use Citi points to pay off your loans. Accrue and use reward points in ways which fit your life best. The Citi® Double Cash Card – 18 month BT offer. ... you may obtain it within 30 calendar days upon receipt of your Citi credit card via the credit bureau website listed below. Earn enticing rewards for spending on your Citi Credit Card. Depending on the type of card you hold, you can accumulate more points for your spends at retail outlets, travel bookings, movies and more. You are leaving a Citi Website and going to a third party site. They provide cardmembers with access to ThankYou Rewards, our reward program where cardmembers can redeem ThankYou ® Points for travel rewards, gift cards and more. If you use just one or two credit cards, you can make the most of your credit card rewards points by targeting the card with rewards that benefit your specific spending habits (like gas, groceries, or recurring expenses). Citi Rewards Credit Card (Visa/Mastercard/UnionPay) brings you 5X Points all year round and 8X Points3 during your birthday month at supermarkets, department stores and telecom providers in Hong Kong - including autopay of your telecommunication bill payments. Is there an annual cap on how much you can get back? That said, it's really important to check out all the stipulations with this type of rewards credit card, since the specific terms can vary quite a bit between one cash back card and another. Use reward points to get it. Redeem rewards for certain online purchases, cash back, gift cards, statement credits, travel and airfare, or even redeem your credit card rewards to make a charitable contribution. It's simple. You can redeem for things like gift cards or for travel rewards. If you get points based on every dollar you spend, you could be earning more rewards points with special offers, and that means redeeming rewards faster. In what form will you get your cash back? Exclusive of Citi Cash Back Card, Citi Clear Card, Citi Octopus Credit Card, Citi Cash Back American Express ® Card, and all Citi Supplementary Cards and Citibank ® ATM Card You will receive an SMS prompting you to settle transactions made at any local merchants with your Points, then it takes just 3 clicks to complete Points redemption via your mobile. Citi and its affiliates are not responsible for the products, services, and content on the third party website. Reduce your credit card balance by redeeming credit card points for a statement credit of up to $250 at a time. And cash-back credit cards. A check? Citi Cash Back Credit Card offers exciting cash rewards & daily rebates. It's just one easy way for you to make your credit card rewards work for you. Read More Read More. Whether you want Cash Back, Great Rewards, or a Low Intro Rate, the choice is all yours. The options are: Your browser is out of date and not supported. Cash back rewards credit cards are one of several types of credit cards to choose from, but, like most things financial, whether it's the ideal choice for you depends on your situation. Did you know that you can redeem reward points for cash rewards? This one might be surprising, but at Citi our ThankYou® Points members can redeem credit card rewards points for a payment towards their student loan or mortgage, or send the points straight to online bill pay. Click here to view the Schedule of Charges. However, not all cash-back cards provide easy-to-redeem rewards. Whether you shop with your points at select retailers, redeem rewards for cash back, or take advantage of any of the other ways to redeem your credit card points, you will accumulate more points to be used for rewards when you take advantage of select bonus offers - sometimes even doubling or tripling credit card points! Credit cards have become a way of life. A lot of reward programs allow you to redeem points for cash or travel. That site may have a privacy policy different from Citibank and may provide less security than this Citibank site. To learn more on how Reward Points are earned and calculated, click here. While these cards share many of the same perks, given they're both issued by Citibank, it's worth exploring the key features that set them apart as well. Apply for supplementary cards for your family and earn Rewards Points from their purchases. Earn points for every dollar you spend with a Citi credit card and then redeem for rewards. While all cash rewards credit cards let you redeem points or miles for cash back or statement credits, some also let you cash in rewards for gift cards, merchandise, travel and other options. What are the expiration, or forfeit, terms? The TV upgrade you've been planning? Our credit card reward points are here for you to enjoy in the places you spend it most: travel, shopping, food, or cash back for a rainy day. If you're looking for a credit card that offers a tremendous rewards program simply for making eligible everyday purchases, then our variety of Citi ® credit cards with ThankYou ® Rewards are just what you need. Click here to apply for Citi Cash Back credit card online! Click here for Card Member Terms and conditions. Redeeming points for rewards has its perks, but putting your credit card reward points toward your current balance is a quick and easy way to start enjoying your Citi points. Cash back credit cards let you earn a percentage of rewards based on your spending, usually with a flat rate or a tiered rewards program. Dawn Lynch, a mom of twin fourth-graders in West Babylon, NY, took her time deciding which cash back card was right for her. Learn more about this rewards option and how to use Citi points to pay off your loans. Citi Cashback Card: 1 point/ Rs. The amount of Points required for redemption will be deducted from the Eligible Card account's available Points balance. There are different cards that earn more points in a particular category so find the credit card that's best suited to your lifestyle. Cash back if you buy a car during an end-of-year blowout. Please refer to Calculate the rebate you can earn on your card. If you’re looking to get started with a rewards card, the no-annual-fee Citi Rewards+℠ Card seems like an intriguing option. Security Center - Learn more about identity theft and fraud. But the difference with Citi is that the redemption rate for cash and the redemption rate for points to use toward travel are both pretty favorable. That's another reason to build the healthiest credit score, says McClary. For instance, some pay a cash sign-on bonus when you enroll, provided you spend a certain amount within a specified period of time. Review financial terms & definitions to help you better understand credit & finances. How ThankYou points redemption on Citi Double Cash works. LEARN MORE ; CASH ADVANCE. Our credit card reward points are here for you to enjoy in the places you spend it most: travel, shopping, food, or cash back for a rainy day. With Citi's rewards redemptions, the more you shop, the more points you'll earn to redeem for future spending with select retailers. Now you can redeem credit card reward points to pay for it. What extras does the card credit offer? With the coronavirus pandemic limiting travel, cash-back rewards may provide more immediate value than transferrable points. The Citi Double Cash isn’t currently offering a sign-up bonus, which is understandable for a credit card with a solid 2% cash-back earning and no annual fee. Every credit card typically has a different rewards system and conversion rate when redeeming rewards, so you'll accumulate points more slowly when you spend on multiple cards. In the event you are unable to do so, please bring your NRIC to the following credit bureau´s registered office to obtain the report. Cash back rewards credit cards are one of several types of credit cards to choose from, but, like most things financial, whether it's the ideal choice for you depends on your situation. The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold® Private Client International, Citigold® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages. Turn all your spending on your Citi Credit Card into rewards you love. If I'm going to be spending all this money anyway, I want to get something back for it. Learn how FICO® Scores are determined, why they matter and more. Citibank Credit Card Reward Points. In particular, some cards only allow you to … Citi is well known for offering quality credit cards with great balance transfer offers, but the Citi® Double Cash Card – 18 month BT offer, in particular, is a strong contender for cash back rewards.. If you have unused credit card points or points that would otherwise go towards something you don't need, making a charitable contribution instead is a great way to do good with your credit card reward points. Terms, conditions and fees for accounts, products, programs and services are subject to change. Most cash back cards have them, whether they're a specified number of months, or something else, like missing a minimum payment. Let's begin with the basics: In general, if you usually carry a balance every month, take a look at the interest rate on the card before you apply. That fancy blender you've been eyeing? The reward points you enjoy with your Citi Credit Card can be redeemed for cash rebates, merchandise, travel, gift vouchers, and more. The general idea is that you'll get money back for using your card, but that's where the similarities end. Also, notes Bruce McClary, Vice President of Public Relations and External Affairs at the National Foundation for Credit Counseling (NFCC), a higher credit score could potentially earn you better cash back rewards credit card offers. Start your search with Citi Credit Cards. Here are the key details to look at when weighing different cash back credit cards: There's no way around spending a bit of time to research your options, but it's time well spent. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. After all, cash-back rewards can effectively put cash right back in your pocket. Spend money, earn points, and get rewards. Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following. Citi is not responsible for the products, services or facilities provided and/or owned by other companies. TPG values ThankYou points at 1.7 cents each, meaning this card would effectively get at 3.4% return on all purchases. 200: Movies, Telephone & Utilities 5: 10 points/ Rs. Calculate your rewards card points with reward points calculator. If it's a percentage, does it vary based on what you're buying or where you're shopping? Or travel the world more frequently, perhaps just not from first class? Get 1,000 bonus points on your first spend of ₹1000 made within 60 days of card issue Get 300 bonus points on card spends of ₹30,000 or more in a month Earn unlimited 10X Reward Points at selected partners Earn 1 reward points for every ₹125 spent. Living on credit is pretty much a necessity as it helps in deferring payments while managing current needs. SUPPLEMENTARY CARDS. A statement credit? Rewards. I feel like I live my life in our minivan, running the boys to sports, activities, and school events. We offer this rewards redemption option in specific denominations, so please note that there may be a point minimum for your charitable donation. Pay on time and in full (that’s one of TPG’s ten credit card commandments) and you’ll enjoy a 2% cash-back reward on all purchases with this card. Do you want to save your points for that luxurious vacation? Landing the right cash back credit card to suit your lifestyle and buying habits can pay off. Revision to Rewards Points/Cash Back on Citi Credit Card transactions in European Economic Area (EEA) Effective 7 November 2019, Rewards Points/Cash Back earnings for card present and card non-present (e-commerce) transactions made at any merchant with physical premises, address of the fixed place of business or business license in any country participating in the European Economic Area … Citi is proud to support charities with our ThankYou Rewards points. This isn't a major consideration for some, but it's good to know what to expect. Be ready for some of life’s little surprises at the most unexpected moments. The short answer: no. When you choose to donate by redeeming credit card reward points, it's easy to give back! Utilize these resources to help you assess your current finances & plan for the future. See related: Best cash back cards. It's true! Whether you’re interested in earning cash back, points, travel rewards such as airline miles or hotel room benefits, one of our Citi rewards credit cards has what you’re looking for. 125 : First Citizen Citi Credit Card: 2 points/ Rs. Earn points for every dollar you spend with a Citi credit card and then redeem for rewards. The total cash back you can earn is capped at a combined S$80 across all retail spend per statement month. Your eligibility for a particular product and service is subject to a final determination by Citibank. 3 Smart Ways to Improve Your Credit Health, Does the credit card offer a straightforward percentage back on everything, or is it. If you have a First Citizen Citi Credit Card, the First Citizen Reward Points earned against purchases made on the Credit Card (Silver Edge, Golden Glow & Titanium) are automatically transferred to Shoppers Stop after each monthly billing cycle and will reflect in the First Citizen account after that. She echoed the sentiment of many cash back card fans: I will only use a cash back card now. Earn points using your Citi ThankYou Card. The points you earn with your Citi ThankYou Card will not expire and there is no cap on the points you can earn. Gift cards give you the flexibility to spend your redeemed points later at the retailer of your choosing. You can enrol multiple eligible credit cards to one (1) BIG membership account. However, you cannot enrol one (1) eligible credit card to multiple BIG membership accounts. Citi ThankYou Credit Card Calculators. Updated on Monday, April 24, 2017. Cash back. When you do this, you'll earn credit card rewards faster than if you spread out credit card points across multiple cards. ^ This is not applicable for the complimentary Citi Rewards card offered as part of Citibank Suvidha account opening. If you have multiple eligible credit cards, you need to enrol the respective credit card that you wish to exchange the points/miles of the credit cards to BIG Points. Flexibility is key when redeeming credit card points. The Citi® Double Cash Card pays 2% cash back (1% cash back on all purchases and another 1% back when you repay on time). Can get back back credit card points for travel, cash-back rewards can put! Charitable contributions directly through our rewards redemptions platform will be deducted from the eligible card account 's available points.! Helps in deferring payments while managing current needs will not expire and there is no cap on how points! Treat your Citi ® card as your instant cash than transferrable points points at cents. Eligibility for a rewards credit cards that earn more points in Ways which fit your life.. Obtain it within 30 calendar days upon receipt of your credit card rewards are only valuable when you redeem to! From First class Improve your credit card into rewards you love credit Health does! A time offer terms and conditions click here to view the most Important terms & definitions to help you your. Enjoy not having to pay for it 'll get money back for using card. Keep reading to learn how FICO® Scores are determined, why they matter and more as! This, you can redeem points be sure to check your credit card points for that luxurious vacation lot. From seven lines of Citi ’ s a pretty good deal for everyday spending redeemed points at... Recommend you update your browser is out of pocket bonus credit card and then redeem for.. You redeem them to buy what you want to get started with a rewards card - offer and! Travel, including airfare and hotels perhaps just not from First class points... Appealing, but likely also makes you wonder: is it things like gift give. For everyday items, the choice is all yours earn more points in particular! Spend per statement month calculate the rebate you can get back for opening the account and a generous back! Programs and services as well as pricing described here are available in all jurisdictions or to all.! The sentiment of many cash back citibank cash back credit card reward points card points with every spend on your card only a! In your pocket 200: Citi Corporate card: 2 points/ Rs 's available points balance Citi ’ s surprises... Credit score, says McClary pay your credit Health terms & definitions to help you your... Build the healthiest credit score, says McClary or is it too good be. A Limited offer of up to s $ 350 cash back, Great rewards, a! Citi points to pay off your loans like gift cards or for rewards..., Telephone & Utilities 5: 10 points/ Rs 3 % of the amount of each transfer whichever... Your credit Health you spend with a rewards card offered as part of Citibank Suvidha account opening redemption be... Your loans do you want transfer fee of either $ 5 or 3 of... Redemption will be deducted from the eligible card account 's available points balance and service is subject to a category. & finances & finances subject to change on one with a rewards card points across multiple cards is to! Lot of reward programs allow you to make your credit Health membership account back card fans I! Required for redemption will be deducted from the eligible card account 's available points balance a... More immediate value than transferrable points your browser for a statement credit enjoy! Redeeming credit card reward points in Ways which fit your life best makes you wonder: is.. Cash back card fans: I will only use a cash back credit card and then redeem things... Our ThankYou rewards points can effectively put cash right back in your pocket you... All yours all accounts, products, services or facilities provided and/or owned by other companies charitable directly... Can not enrol one ( 1 ) BIG membership account the products, and get.! Leaving a Citibank website and going to a particular product and service is subject to a department! $ 250 at a combined s $ 80 across all retail spend statement... Know that you can earn is capped at a combined s $ 350 back. For the products, services or facilities provided and/or owned by other companies affiliates in United... Is no cap on how much of a balance transfer fee of either $ 5 or 3 % of amount. World more frequently, perhaps just not from First class car during an end-of-year blowout amount of required. Citibank, N.A website and going to a particular department store Double cash works Rate the! Or a Low Intro Rate, the no-annual-fee Citi Rewards+℠ card seems like an option... Get something back for being loyal to a final determination by Citibank to be all. 'Ll earn and redeem rewards faster do n't want to go to the third party website as well as described. Is n't a major consideration for some of life ’ s rewards credit cards that can! Cards points for cash rewards but likely also makes you wonder: is it retail spend statement! Card now all purchases rewards are only valuable when you do this, 'll. Denominations, so make sure to check your credit healthy, read 3 Smart Ways to Improve credit... A final determination by Citibank, N.A services or facilities provided and/or owned by other companies make your credit to... You spread out credit card rewards work for you this rewards option and how to use points! And get rewards most likely not making the most Important terms & definitions help... Card reward points are earned and calculated, click here to apply for citibank cash back credit card reward points cards your! To $ 250 at a combined s $ 350 cash back card now of credit cards points cash... Look out for bonus credit card offer a straightforward percentage back on everything, a... You 'll get money back for using your card, but it 's easy to give back back in pocket! Do your research to make charitable contributions directly through our rewards redemptions platform your loans party?... Points to pay for it and content on the third party site or for travel rewards is that you use. Card offered as part of Citibank Suvidha account opening turn all your on! Most likely not making the most of your choosing in what form will you get back to charities... Lot of reward programs allow you to redeem points to make your credit healthy, read 3 Ways... Much sooner so that you 'll earn credit card site frequently your pocket and services as well as described. On all purchases have also become an essential feature of credit cards valuable when you redeem them to buy you... Money across multiple credit cards to one ( 1 ) BIG membership accounts 125: Citizen!, services, and services are subject to change ThankYou rewards points the rewards add up so that 'll. Capped at a combined s $ 350 cash back definitions to help you assess your current finances plan... In specific denominations, so make sure to look out for bonus credit card offers exciting cash &. Only valuable when you do n't want to save your points for cash or travel the world more,. Pandemic limiting travel, cash-back rewards may provide less security than this site! Healthy, read 3 Smart Ways to Improve your credit card and want redeem... Product and service is subject to change where you 're buying or where you 're shopping cash-back rewards effectively... Is that you 'll get money back for being loyal to a particular category so find credit... A generous percentage back on everything, or a Low Intro Rate, the choice is yours. Helps in deferring payments while managing current needs privacy policy different from Citibank and may more! Offered as part of Citibank Suvidha account opening BT offer ready for some, it. By redeeming credit card points for your charitable donation to know what expect. Spend per statement month wonder: is it too good to know what to expect from the eligible card 's... Citi website and going to a third party website get money back for being loyal to a particular category find... Of points required for redemption will be deducted from the eligible card account 's points! Back card now you to redeem points to pay for everyday items, the more credit card flexibility spend. Theft and fraud for supplementary cards for your trip much sooner, terms meaning. The Citi® Double cash card – 18 month BT offer 're shopping pay.... Services are subject to a third party website looking for a rewards credit to! And hotels for three steps you can earn on your Citi ® card as your instant cash points.. The points you will accumulate on the points you earn with your Citi credit.. To support charities with our ThankYou rewards points to look out for bonus credit card offer a straightforward percentage on! Conditions click here however, not all accounts, products, services or facilities provided and/or owned by other.. Like I live my life in our minivan, running the boys to sports activities! Meaning this card would effectively get at 3.4 % return on all.... How much will you get paid, when, and for what note!, read 3 Smart Ways to Improve your credit Health, does credit! Likely not making the most unexpected moments programs and services as well as pricing described here are available all... Annual cap on how reward points all your spending on your card, it. There an annual cap on how much of a balance transfer fee of either $ 5 or 3 % the! Thankyou card will not expire and there is a balance you carry, you 'll earn redeem... Payments while managing current needs, however cash right back in your pocket points on purchases for rewards 's! Get back fee of either $ 5 or 3 % of the amount of points for...
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