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Citi Rewards+® Card

Cory Santos

| Last updated on February 20th, 2024

Citi Rewards+® Card

Citi Rewards+® Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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None Annual Fee

Citi Rewards+® Card

  • 18.49% - 28.49% (Variable) Regular Purchase APR
  • 18.49% - 28.49% (Variable) Balance Transfer APR
  • 29.99% (Variable) Cash Advance APR
  • 0% for 15 months from account opening date Intro Purchase APR

At a Glance

The Citi Rewards+® Card serves up 0% introductory APR periods for purchases and balance transfers, as well as Citi’s established ThankYou® Points system. Where it truly stands out, though, is in its novel points rounding feature.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at Plus, for a limited time, earn 5 ThankYou(R) Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 18.49% - 28.49% (Variable)
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 4 months from account opening date
  • Balance Transfer APR: 18.49% - 28.49% (Variable)
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% (Variable)
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You're looking for a rewards credit card with no annual fee
  • You frequently use a credit card to shop at supermarkets and gas stations
  • You make frequent, small purchases with your credit card
  • You're looking to make a significant purchase that will require monthly payments
  • You're looking to transfer an existing balance and pay less on interest

In-Depth Review: Citi Rewards+® Card

The Citi Rewards+® Card adds to Citi’s lineup of ThankYou® rewards credit cards, fitting below the Premier℠ Card.  The Rewards+ specializes in both gas and grocery purchases, offering double rewards with no annual fee.

Who Can Benefit from the Rewards+ Card?

Are you someone who loves to be rewarded for your everyday purchases?

If so, the Citi Rewards+® Card might be the perfect fit for you. This credit card is designed to offer maximum benefits to those who frequently use their card for everyday expenses. Whether you’re a frequent traveler, a shopaholic, or someone who enjoys earning rewards, the Citi Rewards+® Card has something to offer everyone.

How to Get the Card

To be eligible for the Citi Rewards+ credit card, it is generally recommended to have a good to excellent credit score. 

A great feature of Citi credit cards is the ability to pre-qualify before applying. This pre-screening process only applies to Citi’s proprietary rewards cards, including the Citi® Rewards+ Card.

These offers are based on credit score, borrowing history, and other readily available personal information. If you receive a pre-qualified offer, your chances of approval are generally favorable. Even better, there is no credit check needed to pre-qualify with Citi.

Balance Transfer Intro APR Benefit

The Citi Rewards+ credit card packs a hefty amount of benefits for a $0 annual fee. For example, new Rewards+ cardholders enjoy 0% Intro APR for 15 months on purchases and balance transfers, followed by a competitive APR after that, which varies depending on creditworthiness and the Prime Rate.

That welcome offer is robust, competitive, and in line with other Citi credit card offers, making it a great option to consider if you already have an existing card balance you want to pay down over 15 months.

Keep in mind, however, that balance transfers must be completed within four months of account opening – and come with a balance transfer fee of $5 or 3% of the amount of each credit card balance transfer, whichever is greater.

How to Earn Rewards

20,000 Thank You Point Welcome Offer

The Citi Rewards+® Card also comes with a variety of excellent bonus offers. New accounts earn 20,000 bonus points after spending $1,500 within the first three months of account opening. That ThankYou points bonus is redeemable for up to $200 in gift cards.

Earn Thank You® Points On Every Purchase

Like other Citi proprietary credit cards, the Citi Rewards+® Card earns Thank You® Points on all eligible purchases. This rewards tally breaks down as follows”

  • Earn 5X points per $1 spent on hotel, car rentals, and attractions booked on the Citi Travelportal through June 30, 2024.
  • Earn 2X points at supermarkets and gas stationsfor the first $6,000 spent per year (and 1X after that), and
  • 1X points on all other purchases

ThankYou® Points don’t expire, and there’s no limit on the number of points you can earn.

Points Round-Up

However, with the Citi Rewards+® Card, you’ll frequently earn additional points thanks to its most noteworthy feature: Every purchase rounds up to the nearest 10 points. For instance, if you make a $2 purchase, the card will round up your 2 points to 10. If you make a $52 purchase, your 52 points will round up to 60. So while you can use the card for any purchase, the rounding perk is most effective when you keep your shopping small and frequent.

Plus, there is no cap to how many times your points are rounded up.

How to Redeem ThankYou Points

You can redeem your stash of ThankYou® Points for gift cards, statement credits, travel bookings, and online shopping at merchants like Amazon and Best Buy. If you hit 100,000 accumulated points within a year, you’ll receive 10% back on all your redemptions. This bonus repeats each year that you reach the goal.

It’s worth noting that the Rewards+ Card earns “basic” Thank You points since it does not charge an annual fee. Because of this, you can’t transfer your Thank You points to a Citi transfer partner.

Citi® Benefits

The Rewards+ Card has impressive perks and security features courtesy of Citi®. These include:

  • Citi Entertainment: Citi provides cardholders exclusive access to events and ticket presales for popular concerts, sporting events, and more.
  • Citi Lost Wallet: Citi’s Lost Wallet service provides emergency card replacement and emergency cash should your card be lost or stolen.
  • Citi Identity Theft Solutions: Citi provides comprehensive support in identity theft and offers expedited service to help get your life back on track should you fall victim.

Other Card Benefits

Other notable features of the Citi Rewards+ credit card include:

  • Shop safely with a contactless-chip-enabled EMV credit card
  • Digital wallet compatibility
  • Citi 24/7 customer service support
  • 3% foreign transaction fee

Mastercard Benefits

Zero Liability Protection Mastercard Global Services ID Theft Protection


What We Like About the Card

Points Round-Up

One of the best features of this card is the rounding up of rewards, as it allows you to maximize your earnings on every purchase. Additionally, the 10% points back benefit when redeeming points is a great way to get even more value from your rewards.

Things to Consider

Basic Vs. Premium Thank You Points

It’s important to note that the Citi Rewards+ card only accrues “basic” ThankYou points, not regular Citi ThankYou points. Although basic ThankYou points are not officially recognized as an award currency by Citi, it’s helpful to understand the distinction between the two types of ThankYou points.

The main difference is that basic ThankYou points cannot be transferred to most Citi travel partners, which is usually a more valuable redemption option unless you also have a premium Citi card. However, you can still transfer your basic ThankYou points to the JetBlue, Choice Rewards, and Wyndham Rewards programs at ratios ranging from 1:0.8 to 1:1.5, depending on the program. Additionally, you can book travel through Citi at a 1 cent per point or take advantage of the other redemption options mentioned above.

Foreign Transaction Fee

downside of the Citi Rewards+® Card is the foreign transaction fee. If you frequently travel abroad or make purchases in foreign currencies, this fee can add up quickly and diminish the value of your rewards. It’s important to weigh the benefits against the potential costs before deciding if this card is right for you.

Citibank Rating

How does the Citi Rewards+® Card stack up? Here are a selection of expert reviews for the card, as well as an overview of Citibank as a bank:

Should You Apply for the Citi Rewards+® Card?

There’s plenty to take advantage of with the Citi Rewards+® Card, and it’ll cost you nothing, as the card has no annual fee. Consider taking it with you abroad, though, because you will have to pay foreign transaction fees. In such a case, it’ll be smarter to opt for a travel card. As an everyday payment option, though – especially for small-time acquisitions – you’ll see your points count go up in a hurry and be able to redeem them before you realize.

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