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Prime Day rolls into its second day on Wednesday and we’ve already seen many jaw-dropping prices. But while it’s great to have discounted products sitting in your Amazon shopping cart, you can actually save even more by simply using your credit card points.

There are already Prime Day discounts available for American Express, Chase and Capital One card holders, but now Citibank card holders who earn ThankYou points can potentially join the bandwagon. That’s because today only — October 14 — Amazon shoppers with targeted Citi ThankYou credit cards can get $20 off their Amazon purchases of $50 or more when they pay for a portion of their purchase with ThankYou points.

Targeted Citi ThankYou credit card holders can get $20 off at Amazon on a purchase of $50 or more.
Targeted Citi ThankYou credit card holders can get $20 off at Amazon on a purchase of $50 or more.
PHOTO: Amazon

Just as with the Amex, Chase and Capital One discounts, not everyone will be eligible for this promotion, and there are several steps you’ll need to follow to find out if you’re targeted, and to use the discount if you are. But we’ve put it all into a step-by-step guide to make it easier to save money on your next Amazon purchase.

Step 1: Determine if you have an eligible Citi credit card

Citi issues many different credit cards, but for this promotion, you need a card that specifically earns ThankYou points, which are most often used for travel, but can be redeemed in other ways as well. One of those alternate redemption options is Amazon’s “Shop With Points” tool, which allows you to pay for your purchases at Amazon with ThankYou points instead of cash.

There are several Citi credit cards that earn ThankYou points, including the Citi Premier℠ Card and the Citi Prestige® Card. But those cards come with annual fees, so if you don’t already have a Citi ThankYou card, you might want to consider the Citi Rewards+℠ Card, which has no annual fee and earns 2 points for every dollar you spend at supermarkets and gas stations up to $6,000 a year (then 1 point thereafter), and 1 point on all other purchases.

The Citi Rewards+ card also automatically rounds up to the nearest 10 points on everything you buy, so it’s a great choice for small purchases. And for new card holders, the Citi Rewards+ also currently comes with a sign-up bonus of 15,000 ThankYou points after you spend $1,000 on purchases in the first three months after opening the account.

Step 2: Enroll your Citi ThankYou card in Amazon’s Shop With Points

In order to be able to use ThankYou points to pay for your Amazon purchases (and to use this $20 discount if you’re targeted for it), you’ll need to enroll your Citi ThankYou credit card in the Shop With Points program. You can enroll by clicking on this link, or by choosing “Shop With Points” under the “Your Account” tab at Amazon’s website.

Enroll your Citi ThankYou credit card in Amazon
Enroll your Citi ThankYou credit card in Amazon’s Shop With Points program.
PHOTO: Amazon

You’ll also need to add your Citi credit card as a payment method at Amazon (if you don’t have it as one already) in order to link it to the Shop With Points tool.

Step 3: Check if you’re targeted for the $20 discount

Once your Citi ThankYou card is linked to Amazon’s Shop With Points, click on this link to see if you’re eligible for the $20 discount. If you are, you’ll see the offer appear along with a “Click to activate” button. Make sure you click the button to save the offer to your account.

If, on the other hand, you see a message that says “Thank you for your interest in this offer. Unfortunately, you are not eligible for this invitation-only offer” then it means you’re not currently targeted for this particular promotion.

However, these promotions appear regularly on Amazon, so make sure you keep your Citi ThankYou card enrolled in Shop With Points so that you can potentially be targeted the next time an offer comes down the road.

Step 4: Add items to your Amazon cart

If you got the offer, you can start shopping at Amazon as you normally would, though you must put your items in the Amazon cart rather than buying through the “1-Click” option.

Related: All the Amazon Prime Day 2020 deals to add to your cart now.

Also, only items sold by Amazon itself are eligible for the discount — products from third-party sellers won’t get $20 off. That means you’ll want to look for items marked “sold by Amazon.com” or “sold by Amazon Digital Services LLC” on the product detail page to be sure they qualify.

Step 5: Use at least one Citi ThankYou point to pay at checkout

When you’re ready to pay for the items in your cart, you need to do two things. First, you need to select your Citi ThankYou credit card as your payment method. And then, you also need to apply Citi ThankYou points to pay for at least part of your purchase in order for the discount to appear.

If you want, you can use ThankYou points to pay for your entire purchase, but that might not be the best choice. Citi ThankYou points are only worth 0.8 cents each when you use them to pay at Amazon, but when you redeem them for travel, you can get a lot more out of them.

In fact, CNN Underscored’s partner The Points Guy values Citi ThankYou Rewards at 1.7 cents apiece because of the value you can get for them from travel, so you’re getting less than half of that when you redeem them at Amazon instead.

However, you don’t need to redeem ThankYou points for your entire Amazon purchase in order to trigger the $20 discount. In fact, you can apply just 1 point and pay for the rest with your Citi ThankYou card, and you’ll still get the discount on all the eligible items in your cart.

Use just 1 ThankYou point and pay for the rest of your purchase with your Citi credit card, and you
Use just 1 ThankYou point and pay for the rest of your purchase with your Citi credit card, and you’ll still get the $20 discount.
PHOTO: Amazon

In order to use 1 point, enter “$0.01” in the box where it says “Apply Citi ThankYou Points.” You’ll see both the discount and the redeemed point reflected in your order totals on the right side of the checkout screen.

Save money on some great Amazon products

With Amazon Prime Day moving into its final hours, this is the perfect opportunity to snag that deal you’ve been waiting for at an even better price. Let’s look at a few examples of how this promotion can save you money today.

CNN Underscored has put together some of the best tech deals for this year’s Prime Day, with one of them being the Apple AirPods with charging case. Originally priced at $159, this item is discounted to $114.99 during Prime Day. Add the $20 savings from this Citi ThankYou offer, and you can purchase these for just slightly over $100 including taxes and shipping!

Get Apple AirPods for less than $100 before taxes and shipping with the Citi $20 discount.
Get Apple AirPods for less than $100 before taxes and shipping with the Citi $20 discount.
PHOTO: Amazon

Another popular item during Prime Day is the Echo Show 8. This product is already discounted to 50% off, but adding another $20 off will bring your total price down to just $44.99 plus taxes.

With thousands of items on sale, there are many ways to save an extra $20 off a purchase you were going to make anyway. You can check out CNN Underscored’s most notable Prime Day deals here.

You can drop the price of an Echo Show 8 to less than $45 by using the Citi $20 discount.
You can drop the price of an Echo Show 8 to less than $45 by using the Citi $20 discount.
PHOTO: Amazon

$20 off retailer gift cards too

While the $20 discount doesn’t apply to Amazon gift cards, it does apply to many other retailer gift cards that Amazon sells. And Amazon literally has hundreds of options, including retailers that might be useful right now such as Netflix, DoorDash, Safeway and more.

Buy a Whole Foods gift card using the discount and bank the savings for later.
Buy a Whole Foods gift card using the discount and bank the savings for later.
PHOTO: Amazon

So even if you don’t have anything you need at Amazon at the moment, you can buy a gift card for yourself using the discount and bank the savings for later.

What should you do if you’re not targeted?

If you’re not targeted for this particular Citibank credit card promotion, similar offers re-surface throughout the year, so there’s a chance you’ll be able to receive savings at another point in 2020. Also, if you have an American Express, Chase or Capital One card, you can see if you’re eligible for similar promotions that Amazon is running for those card holders.

And if you don’t have any of these credit cards, make sure you check out our guide to be sure you’re at least using the best credit card for your Amazon purchases, even if you can’t get any discounts right now.

With Amazon being a go-to shopping site during Prime Day, this promotion is the perfect way to save money if you’re eligible. So make sure you take a look if you’re a Citibank credit card holder, and if you’re targeted, get your $20 discount when you buy from Amazon today!

Check out CNN Underscored’s guide to the best Lightning Deals of Amazon Prime Day 2020.

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