Citi Rewards+® Card

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Citi Rewards+® Card

 

Rated 5/5.0 stars by our editorial team

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5/5.0 from 14 Offer Ratings
Over the Past 60 Days!

(14) Over the Past 60 Days!
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Rates & Fees
  • Regular Purchase APR 15.74% - 25.74% (Variable)
  • Intro Purchase APR 0% for 15 months
  • Intro BT APR 0% for 15 months
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Regular Purchase APR 15.74% - 25.74% (Variable)
  • Intro Purchase APR 0% for 15 months
  • Intro BT APR 0% for 15 months
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • 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
  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • 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 15.74% - 25.74%, 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).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • 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.
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Card Fees

Foreign Transaction Fee

3%

Balance Transfer Fee

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

Cash Advance Fee

5% of cash advance; $10 minimum

Penalty APR

Up to 29.99% (Variable)

Ongoing Information

Rewards Rate

For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent. 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.

Annual Fee

$0

Additional Card Details

$0 Liability on Unauthorized Changes

No

Auto Rental Insurance

No

Extended Warranty Program

No

Roadside Assistance

No

Purchase Protection

No

Travel Assistance

No

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

No

Expert Reviews

From the CompareCards.com Editorial Team, updated on Aug 14, 2022

Citi’s new no-annual fee offer stands out from the crowd with a unique twist. The Citi Rewards+® Card is the only credit card that automatically rounds up your reward points to the nearest 10 points on every purchase, with no cap. That means if you buy a $2 cup of coffee, you’ll earn 10 points.

Expert Reviews of the Citi Rewards+® Card

  • 4.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0

    Fees

  • 5.0

    Benefits

  • 5.0/5

    Overall Rating

The Bottom Line

If you buy gas and groceries, maximize your rewards with this card, plus get a little extra on every purchase with the rounding up feature. This card also comes with generous intro APR on purchases and balance transfers. If you have a big purchase, take advantage of the long 0% intro APR period, and pay down your balance with no interest charges piling up. Get a better interest rate when you transfer your balance to this card with intro APR 0% for 15 months. Every penny of your payment will go towards paying down your principal during the intro period, which can help you get out of debt faster.

The Good

The rounding up feature ensures you’ll get an extra boost to your rewards on everything you buy. There is a relative low spending requirement to earn the sign-up 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. Redeem your points for gift cards for nearly 100 different popular brands. The combination of long 0% intro APR, sign-up bonus and healthy rewards rate on Gas Stations and Supermarkets make this a good choice if you buy gas and groceries and don’t want to pay an annual fee.

The Not so Good

There are cards with higher rewards rates and bigger sign-up bonuses, but they typically charge an annual fee. The 2x earnings on supermarkets and gas stations is capped at $6,000 per year.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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OFFER RATING

5.0/5.0

14 Total Ratings

5 STARS

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4 STARS

(5)

3 STARS

(0)

2 STARS

(1)

1 STAR

(2)

YOUR RATING

 

Rated 5/5.0 stars by our editorial team

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Change my rating to: Average

5/5.0 from 14 Offer Ratings
Over the Past 60 Days!

(14) Over the Past 60 Days!
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