Rated 5/5 stars by our editorial team
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4.5/5.0 from 17 Offer Ratings
Over the Past 60 Days!
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Regular Purchase APR
14.24% - 24.24% (Variable)
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Intro Purchase APR
0% for 15 months
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Intro BT APR
0% for 15 months
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Typical Credit Needed
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Annual Fee
$0
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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 on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points 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 14.24% - 24.24%, 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.
- The standard variable APR for Citi Flex Plan is 14.24% - 24.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See additional Citi Rewards+® Card details
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
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
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Concierge Service
No
Expert Reviews
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 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 17 Reviews
Offer Rating
4.5 out of 5.0
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Related Card Offers
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Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
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Intro APR
0% intro on purchases for 15 months, then 15.24% - 25.24% (Variable). 0% intro on balance transfers for 15 months, then 15.24% - 25.24% (Variable)
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Cash Back Details
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
See additional details for Capital One Quicksilver Cash Rewards Credit Card
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Intro Purchase APR
0% for 12 months on Purchases
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Intro Balance Transfer APR
0% for 21 months on Balance Transfers
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Regular Purchase & BT APR
14.49% - 24.49% (Variable)
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- The standard variable APR for Citi Flex Plan is 14.49% - 24.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See additional Citi® Diamond Preferred® Card details
See additional details for Citi® Diamond Preferred® Card
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Intro APRs
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
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No Penalty APR
Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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Build Credit
Access your FICO® Score for free within Online Banking or your Mobile Banking app
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for BankAmericard® credit card
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