Citi Rewards+® Card

Citi Credit Cards is an Experian Partner

Citi Rewards+® Card logo.

Citi Rewards+® Card

Rated 4.62 out of 5 stars, 266 reviews

Recommended FICO® ScoreΘ

Good - Exceptional

Annual Fee:

$0

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

18.74% - 28.74% (Variable)

Ongoing Balance Transfer APR:

18.74% - 28.74% (Variable)

Intro Bonus:

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 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 18.74% - 28.74%, 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
  • Rewards are rounded up to the nearest 10 points on all purchases

  • No annual fee

  • Increased rewards rate on spending at U.S. gas stations and supermarkets

  • Generous intro bonus

  • Lengthy 0% APR intro period on purchases and balance transfers

  • Low base rewards rate

  • Foreign transaction fee

  • Earnings in bonus rewards category are capped annually

See all Citi Credit Cards‘ offers

Review Snapshot

Opinions are provided by Experian users that are actual credit card customers and do not reflect the views of Experian or the lender.

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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