Citi Rewards+® Card

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Last updated on September 20th, 2023

Advertiser Disclosure Editorial Disclosure

Citi Rewards+® Card

Citi Rewards+® Card
Excellent-Good uses a variation of FICO Score 8, 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. Credit Needed: Excellent/ Good
Mastercard Processing Network
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

Citi Rewards+® Card Review

The Citi Rewards+® Card adds to Citi’s lineup of ThankYou® rewards credit cards, fitting below the Premier℠ Card. As such, you’ll earn ThankYou® Points with every purchase, starting at a minimum of 1 point per $1. On shopping done at supermarkets and gas stations you’ll earn 2 points per $1, but only up to $6,000 per year, after which the rate will lower to 1X point.

Points Round Up

With the Citi Rewards+® Card, however, 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 type of purchase, the rounding perk is most effective when you keep your shopping small and frequent. Plus, there is no cap to the number of times your points are rounded up.

Introductory Sign Up Bonuses

The Citi Rewards+® Card also comes with a variety of excellent bonus offers. New accounts earn 25,000 bonus points after spending $1,500 within the first 3 months of account opening. That ThankYou points bonus is redeemable for up to $200 in gift cards.

New accounts also enjoy 0% intro APR on balance transfers and purchases. Cardholders receive 0 % APR on purchases for 15 months plus zero interest for the first 15 months from date of account opening on balance transfers.

Keep in mind, however, that balance transfers must be completed within 4 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.

Citi Rewards+® Card vs. Discover It chrome Vs. Citi Double Cash

Perhaps the closest competitor to the Citi Rewards+® Card is Discover’s chrome Card. Here is how the two cards stack up:

srewards doublecash 224x141 1 chrome 1
Citi Rewards+® Citi® Double Cash Card Discover it® chrome
Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 per year, and 1X on all other purchases Earn 2% back on all purchases (1% back when you purchase and 1% back when you pay) Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% back on all other purchases
0% intro APR on purchases and balance transfers for 15 months 0% intro APR on balance transfers for 18 months after completing within first 4 months of account opening 0% intro APR on purchases and balance transfers for 15 months
No annual fee No annual fee No annual fee

How to Redeem ThankYou Points

You can redeem your stash of ThankYou® Points for gift cards, statement credits, travel booking, and online shopping at merchants like Amazon and Best Buy. If you manage to 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.

In addition to the ThankYou® rewards program aspect, the Citi Rewards+® Card is also a viable option if you’re looking to save on existing monthly payments or make a big-ticket purchase. As an introductory promotion, the card offers a 0% APR for 15 months on purchases and balance transfers (transfers must be made within four months of opening an account to qualify).

Citibank Ratings

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.

The information related to Citi Rewards+® Card has been collected by and has not been reviewed or provided by the issuer or provider of this product or service.

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