Citi Rewards+℠ Card

Citi Credit Cards is an Experian Partner

Citi Rewards+℠ Card Apply Now Apply Now Apply Now
  • Rewards

  • Intro Bonus

  • 0% Intro APR

  • No Annual Fee

  • Balance Transfer

Recommended FICO® ScoreΘ Rating

Good - Exceptional

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  • Rewards

    Rewards, Intro Bonus, Rewards Points

  • Annual fee

    $0

  • Intro APR

    0% for 15 months on Purchases and Balance Transfers

  • Ongoing APR

    13.49% - 23.49% (Variable)

  • Balance transfer

    13.49% - 23.49% (Variable)

  • Intro Bonus

    Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Card details:
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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 standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Rates and fees
Pros:
  • 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
Cons:
  • Low base rewards rate
  • Foreign transaction fee
  • Earnings in bonus rewards category are capped annually

Experian Review:

Citi Rewards+℠ Card Review: Rack Up Points on Small Purchases

The Citi Rewards+℠ Card offers decent rewards on supermarket and gas station purchases but really shines on smaller expenses.

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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 is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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