Rewards Plan
Sign up Bonus
Our Rating
0% Intro
Annual Fee
APR
- Rewards
- 0% Intro APR
- Foreign Transaction Fee
- Cap on Rewards
Rewards Plan
Sign up Bonus
Our Rating
PROS
- Rewards
- 0% Intro APR
CONS
- Foreign Transaction Fee
- Cap on Rewards
APR
18.74% - 28.74% (Variable)
Annual Fee
$0
0% Intro
15 months on purchases and balance transfers
Credit Requirements
Excellent
The Citi Rewards+® Card is a solid choice for those seeking a basic rewards credit card without an annual fee. It offers new cardholders up to Earn 20,000 bonus points after you spend $1,500 in purchases with your card within three months of account opening; redeemable for $200 in gift cards at thankyou.com.
There is a Earn 5X points on rental car, hotel and attraction purchases booked through cititravel.com (ends 12/31/2025), 2X points at supermarkets and gas stations (on up to $6,000 in purchases per year, then 1X points) with 1X points on all other purchases.
The Citi Rewards+® Card offers various redemption options, including gift cards through the ThankYou Center, Shop With Points at select retailers, travel bookings via the ThankYou Travel Center, and transfers to airline partners. Additional perks include a 10% points rebate on redemptions, up to 100,000 points annually, and a 0% intro APR for 15 months on purchases and balance transfers ( 18.74% – 28.74% (Variable) after that).
However, the rewards ratio is average, there are no special perks, and the card lacks robust travel and shopping protections.
How hard is it to get Citi Rewards+ Card?
It is not too hard to get your hands on this type of credit card once you meet the credit score requirements that are in place.
Can I transfer points between different Citi credit cards?
Yes, if you have a premium Citi card like the Citi Premier® Card, you can combine points from multiple Citi cards for more redemption options.
Can I use the Citi Rewards+® Card for balance transfers?
Yes, the card offers a 0% intro APR, with a balance transfer fee.
Are there any restrictions on earning the welcome bonus?
Citi has specific eligibility rules; if you've received a bonus for certain Citi cards in the past 24 months, you may not qualify for the welcome offer.
What are the redemption options for Citi ThankYou Points?
Redemption options include gift cards, Shop With Points at select retailers, travel bookings, and transfers to airline partners.
Is the Citi Rewards+® Card suitable for larger purchases?
While it excels with small transactions, other cards may be more rewarding for significant expenses.
Table of Contents
Pros & Cons
Let’s look at the pros and cons of the Citi Rewards card and see if it’s the right one for your wallet.
Pros | Cons |
|---|---|
0% Introductory Rate
| Foreign Transaction Fee |
No Annual Fee | Cap on Rewards |
Points Rounding | Limited Travel Protections |
Supermarket and Gas Rewards | Low Rewards Ratio |
Flexible Redemption with Citi Premier | |
Points Rebate |
- 0% Introductory Rate
There is a 0% introductory rate for 15 months on purchases and balance transfers. After which is the standard APR of 18.74% – 28.74% (Variable) .
- No Annual Fee
There is no yearly renewal fee for your Citi Rewards+® card. This feature minimizes the cost of managing your credit card and increases customers’ potential to earn more.
- Points Rounding
All purchases round up to the nearest 10 points, maximizing rewards on small transactions.
- Supermarket and Gas Rewards
Cardholders enjoy Earn 5X points on rental car, hotel and attraction purchases booked through cititravel.com (ends 12/31/2025), 2X points at supermarkets and gas stations (on up to $6,000 in purchases per year, then 1X points) with 1X points on all other purchases.
- Flexible Redemption with Citi Premier
When combined with a Citi Premier® Card, points can be pooled for more redemption options, including travel and airline transfers.
- Points Rebate
Get 10% of redeemed points back, up to 100,000 points annually.
- Foreign Transaction Fee
There is a charge for international transactions of 3%.
- Cap on Rewards
There's a $6,000 annual spending cap on bonus categories like supermarkets and gas stations.
- Limited Travel Protections
The card lacks comprehensive travel and shopping protections.
- Low Rewards Ratio
The rewrads ratio is quite low compared to other rewards and cash back cards, including within Citibank network
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Rewards Simulation: How Much You Can Earn?
The best way to see if the Citi Rewards+ Card is the right choice for your needs, is to calculate the amount of rewards and benefits you suppose to earn.
Keep in mind that this is a general breakdown of expenses, so make sure to adjust it to your own consumer preferences and spending habits.
| |
|---|---|
Spend Per Category | Citi Rewards+ Card |
$10,000 – U.S Supermarkets | 16,000 points |
$3,000 – Restaurants
| 3,000 points |
$1,500 – Airline | 1,500 points |
$1,500 – Hotels | 1,500 points |
$4,000 – Gas | 4,000 points |
Total points | 26,000 points |
Estimated Redemption value | 1 point =~ 1 cent |
Estimated Annual Value | $260 |
Where to Redeem Your Rewards?
Cardholders earn Earn 5X points on rental car, hotel and attraction purchases booked through cititravel.com (ends 12/31/2025), 2X points at supermarkets and gas stations (on up to $6,000 in purchases per year, then 1X points) with 1X points on all other purchases.
Citi also has a number of reward redemption options that include:
- Checks: You can request a check when your rewards balance is above $25. You can also take a credit towards your Citi savings or checking account.
- Statement Credit: You can redeem your rewards for statement credit of at least $25.
- Convert to ThankYou Points: If you have a minimum rewards balance of $1, you can convert your rewards to Citi ThankYou points.
- You can also use them in other ways, such as spending on gift cards, Amazon.com, and on travel.
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Leverage Your Card Smartly
If you want to make the best use of your Citi Rewards+ card , there are some tips to help you:
- Combine With Other Cards: You can maximize the Citi Rewards+'s higher-paying categories, which are primarily relevant for everyday spending, while making up the difference in other areas with different cards. If you are a frequent flyer, for example, obtaining a travel credit card can provide you with a higher rewards rate on travel-related purchases.
- Redeem Correctly: Determine which of the redeeming options for your accumulated points will be the best fit for your needs.
Avail of the Signup Offer: You can get a Earn 20,000 bonus points after you spend $1,500 in purchases with your card within three months of account opening; redeemable for $200 in gift cards at thankyou.com.
How To Apply For Citi Rewards+® Card?
- 1.
Visit the website at citic.com and click on the “Apply Now’ button.
- 2.
Scroll down to fill in your personal information: name, home address, date of birth, phone number, social security number, and citizenship status
- 3.
After filling, scroll down to fill in your security word, which is the answer to a personal question: your spouse’s name, pet’s name etc. Now, proceed to fill in your financial information like your total annual income, mortgage, and account type.
- 4.
Scroll down to add an authorized user by ticking the box (optional), and read the terms and conditions of using the Citi Rewards+ Card. Scroll down some more to tick the box if you agree and click on “Submit.”
- 5.
Your application is now complete, and you will be contacted via any of the contact details you provided for approval on your application.
How It Compared To Other Citibank Credit Cards?
The Citi Rewards+® Card stands out among other Citibank credit cards due to its unique points-rounding feature and specific bonus categories.
The Citi Double Cash® Card is a leading competitor, offers simplicity and flexibility by providing 2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.. While lacking the rounding feature, the Citi Double Cash® Card's straightforward cash back structure may appeal to those seeking ease of use.
For individuals prioritizing a no-annual-fee card, the Citi Custom Cash Card is another option. It provides 5% cash back on your highest eligible spend category each billing cycle up to the first $500 spent and 1% cash back thereafter, adapting to your changing spending patterns. This card caters to those who value flexibility in earning rewards based on their current needs.
Alternatively, the Citi Premier® Card is an excellent choice for those who frequently travel and dine out. While it charges $95 annual fee, it offers bonus points on air travel and dining expenses, making it suitable for individuals with a more extensive range of spending in these categories.
Combining cards strategically, such as pairing the Citi Rewards+® Card with others, can maximize rewards potential and provide a well-rounded credit card portfolio to suit diverse needs.For example, when combined with the Citi Premier Card, points earned from both cards can be pooled for enhanced redemption options.
Is the Citi Rewards+® Card Right for You?
Citi Rewards+® Card is the only card that rounds up to the nearest 10 points, significantly increasing the user's chance to earn rewards. It is suitable for users who make a lot of small purchases because of the low sign up bonus threshold – Earn 20,000 bonus points after you spend $1,500 in purchases with your card within three months of account opening; redeemable for $200 in gift cards at thankyou.com.
Customers that frequently make large purchases will not find this credit card rewarding enough for their spending habits due to the low annual cap. This credit card is also not suitable for users who frequently deal with foreign merchants because of the foreign fee of 3%, which is high compared to most credit cards that charge $0 for international transactions.
Compare The Alternatives
Let’s also review some other high cash back rewards credit cards so you can make a comparison to determine if the Citi Rewards+ card is for you or not.
|
|
| |
|---|---|---|---|
Wells Fargo Active Cash℠ Card | Chase Freedom Unlimited® | Bank of America® Customized Cash Rewards credit card | |
Annual Fee | $0
| $0
| $0
|
Rewards |
2%
2% cash rewards on purchases (unlimited)
|
1.5% – 5%
5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
|
1% – 5%
3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. The 3% and 2% cash back available on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter (then 1%)
|
Welcome bonus |
$200
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
|
$200
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
|
$200
$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
|
Foreign Transaction Fee | 3%
| 3%
| 3%
|
Purchase APR | 20.24% to 29.99% variable APR
| 20.24%–28.99% variable
| 18.24% – 28.24% Variable APR will apply. A 3% fee (min $0) applies to all balance transfers
|
FAQ
There are certain types of credit cards that will allow you to get free car rental insurance with them. However, the Citi Rewards+ Card is not the case with this type of card.
There is no limit to the rewards that you are able to get with this card. Therefore, it is ideal for people who are often spending large sums with their credit card.
In order to redeem the Citi Rewards+ Card points, you can get gift cards, shop at the likes of Amazon.com, use them as statement credit, or redeem them for travel rewards.
If you like consistent rewards and a decent signup offer then this could be a good credit card for you to check out. It ticks a whole lot of boxes.
Compare Citi Rewards+ Card
Each of these cards has its own goal – transferring your balance and use the long 0% intro APR, or getting decent rewards & sign up bonus
Citi® Diamond Preferred® vs Citi Rewards+® Card: Which Card Is Best?
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