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Citi Rewards+® Card

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.

Apply Now

Annual Fee

Rewards

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 on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.

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.

APR on Purchases

0% intro APR for 15 months, 14.99% - 24.99% (V) APR after that

Balance Transfer

0% intro APR for 15 months, 14.99% - 24.99% (V) APR after that

Balance Transfer Fee 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer

Editor's Take

by John Kiernan

June 22nd, 2022

Citi Rewards+ Card Pros & Cons

No membership fees

0% intro APR on purchases

0% intro APR on balance transfers

High rewards rate

Spending caps on rewards

Balance transfer fee

Foreign fee

Requires good/excellent credit

Citi Rewards+ Card Review

View 68 User Reviews

Citi Rewards+ Card's Additional Info

cash advance fee

5% (min $10)

cash advance APR

26.74% (V)

foreign transaction fee

smart chip

Yes, chip-and-signature

max late fee

$40

max overlimit fee

max penalty APR

29.99% (V)

grace period

23 days

Apply Now

at Citibank's secure site

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 14.99% - 24.99%, 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 standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Apply Now

at Citibank's secure site

Questions & Answers

Can't find what you are looking for? Submit your question about Citi Rewards+® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How do Citi Rewards+ Card points work?

Upvotes

Keyaira Sutton, WalletHub Analyst

The Citi Rewards+ Card gives 5 points per $1 spent on air travel and hotels (up to $6,000 in the first 12 months), 2 points per $1 spent at supermarkets and gas stations up to $6,000 spent per year, and 1 point per $1 on all other purchases. Citi Rewards+ points also get rounded up to the nearest 10 on every purchase. So a cardholder who makes a $1 purchase will get 10 points, for example. Plus, Citi Rewards+ offers a bonus of 20,000 points for spending $1,500 in the first 3 months.

Once you earn Citi Rewards+ Card points, they will never expire, and there's no limit to the amount that you can earn. However, you will lose any unredeemed points if you close your account or Citi closes it. You can redeem your points on the thankyou.com website (since these are Citi ThankYou points) by logging in with your Citi account info and choosing the redemption option you want.

View more answers

How do I redeem my Citi Rewards+ Card points?

Upvote

Joseph Bulebush, WalletHub Analyst

What are the Citi Rewards+ card benefits?

Upvotes

Brianne Larch, WalletHub Credit Card Analyst

How can I get a Citi Rewards+ Card cash advance?

Upvotes

Chip Lupo, Credit Card Writer

How much is the Citi Rewards+ card foreign transaction fee?

Upvotes

Benny Joseph, WalletHub Analyst

What is the Citi Rewards Plus Credit Score Requirement?

Upvotes

Maria Adams, Credit Cards Moderator

How does the Citi Rewards+ Card's fraud protection work?

Upvotes

Denny Pratt

How does the Citi Rewards+ card's rental car insurance work?

Upvotes

Maria Adams, Credit Cards Moderator

What credit bureau does Citi Rewards+ use for approval?

Upvotes

Sydney Garth, Credit Cards Moderator

The Citi Rewards+ Card mainly uses the Experian credit bureau for approval, but might pull from TransUnion and Equifax as well.

On the other hand, it will report your financial activity to all three major credit bureaus instead of just one.

What's Citi Rewards+ credit limit?

Upvotes

Alice Kane, WalletHub Analyst

Citi Rewards+ Card Reviews

Share your insights and review the Citi Rewards+® Card

3.8

What's Your Rating?

ryandau
May 9, 2022 • @ryandau

I've been a card holder for a long time. Citi mailed me a new card, I activated it, it didn't work, so I didn't use it. I recently checked my rewards balance and they took away over $900 in rewards from an inactivity technicality. I called to explain the situation and they were "REALLY SORRY" but a policy is a policy. I'd recommend using any other credit card company. "Rewards+" unless we can steal them back from you!

Comment

Brandie Rauber
April 19, 2022 • @Batman18

DO NOT GET THIS CARD! This has been the WORST credit dscision I've ever made! These JERKS have single handedly screwed up my credit score! They originally give me a $5500 line of credit. I transferred a small account or two for the 0% and they increased my limit to $9,000. This past September we took a trip to Alaska and put most of it on this card for the rewards. As soon as I returned, have DECREASED my credit limit by nearly HALF, MAXING OUT THE CARD! (and they continued to decrease it every 3-6 months despite NEVER EVER MAKING A SINGLE LATE PAYMENT. I fact I didn't even make just the minimum payment UNTIL THIS HAPPENED!) EVERY time I get a chunk paid off, they DECREASE my limit, making my card appear maxed ALL the time! As a result, now my OTHER credit accounts are starting to decrease my limits because it looks like I'm maxed out all the time!!! BIGGEST CREDIT MISTAKE I'VE EVER MADE!!

Comment

Joseph
February 19, 2022 • @josephr_282

Verified Customer

Excellent way to get a loan using Citi Flex Loan. Low 5.5 apr for a maximum of 60 months. No credit pull, no initiation fee for a loan.

Comment

Ira
September 1, 2021 • @irae_2

Verified Customer

I just opened my Citi Rewards+ card account. I appreciate that it doesn't have an annual fee like some of my other credit cards. I will earn 15,000 bonus Thank You Points after spending $1,000 in purchases within the first three months of account opening which is redeemable for $150 in gift cards. I got a 0% introductory APR for 15 months on balance transfers from the date of first transfer and on purchases from the date of account opening. I can save big on interest by transferring balances from one of my higher interest cards onto the Citi Rewards+ card account and the same goes for purchases. I love to save money and this card will allow me to do that. All balance transfers must be completed within the first 4 months of account opening with a 3% balance transfer fee (minimum of $5) for each transfer. That's acceptable to me. Thank you Citibank!

Comment

Laurie
November 27, 2021 • @chloemac

This sounds like a paid Citi review.

Comment

Elizabeth
July 9, 2021 • @libbatodd

Verified Customer

They offered 0 interest for 18 months, so I can get more of my debt paid with no interest. It will save me money. Trying to get paid off

Comment

Stephen
April 21, 2021 • @stephenw_144

Verified Customer

Using the Citibank card has helped my financial situation in a time of need. It has helped me to combine all debt and pay it off without adding a lot of interest.

Comment

dave
April 3, 2021 • @daveb_22

Verified Customer

I like the discounts. I use it often Its great

Comment

whuser16054516
January 22, 2021 • @whuser16054516

Verified Customer

Was offered a card with $200 cash back after spending $1000 in 3 months and then told that I was DENIED! I do not use Chase cards anymore. Was told I had to many inquires in 3 years. Was told some outside group made the decisions, what a bunch of bull....!

Comment

Wanda
May 30, 2022 • @wandas_4

Um this is Citi card not chase

Comment

+ 60 users submitted a rating without writing a full review

Review Citi Rewards+® Card

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Citi Rewards+® Card

Citi Rewards+® Card

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Annual Fee

Rewards

APR on Purchases

Balance Transfer

Editor's Take

Citi Rewards+ Card Pros & Cons

Citi Rewards+ Card Review

Citi Rewards+ Card's Additional Info

Questions & Answers

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