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4.3/5.0 from 49 Offer Ratings
Over the Past 60 Days!
Regular Purchase APR
13.49% - 23.49% (Variable)
Intro Purchase APR
0% for 15 months
Intro BT APR
0% for 15 months
Typical Credit Needed
Foreign Transaction Fee
Balance Transfer Fee
3% of cash balance transfer; $5 minimum
Cash Advance Fee
5% of cash advance; $10 minimum
$0 Liability on Unauthorized Changes
Auto Rental Insurance
Extended Warranty Program
Flight Accident Insurance
Lost Luggage Reimbursement
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.
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 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 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. 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.
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.
4.3 out of 5.0