These are the points that you get for using a citi card or having a citi bank account. The points are accumulated from shopping or using your bank account. With the credit card you get 5 times the points at gas stations, drugstores and supermarkets. The points rack up pretty fast and then you can use them on the thank you redemptions network. Be careful though, you do much better off if you redeem for the gift cards than any of their products. If you get the gift cards you can buy whatever the item is and often have a considerable amount of money left over.