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Citi Rewards+℠ Card

Citi Rewards+℠ Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 49 Offer Ratings
Over the Past 60 Days!

(49) 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

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • 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.

Card Fees

  • Foreign Transaction Fee

    3%

  • Balance Transfer Fee

    3% of cash balance transfer; $5 minimum

  • Cash Advance Fee

    5% of cash advance; $10 minimum

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

  • Regular APR

    4.0

  • Intro APR

    4.0

  • Fees

    4.0

  • Benefits

    5.0

  • Overall Rating

    5.0 /5

From the LendingTree.com Editorial Team

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.

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 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.

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.

Expert Reviews of the Citi Rewards+℠ Card

  • Regular APR

    4.0

  • Intro APR

    4.0

  • Fees

    4.0

  • Benefits

    5.0

  • Overall Rating

    5.0 /5


Consumer Reviews 49 Reviews

Offer Rating

4.3 out of 5.0

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(6)
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(1)

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