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Citi Rewards+℠ Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 188 Offer Ratings
Over the Past 60 Days!

(188) Over the Past 60 Days!

  • Regular Purchase APR 14.99% - 24.99% (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®

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • 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 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • 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.

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

Penalty APR Up to 29.99% (Variable)

Ongoing Information

Rewards Rate 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases

Annual Fee $0

Additional Card Details

$0 Fraud Liability 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

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

  • star rating 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. Get 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.

Consumer Reviews

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Offer Rating

4.2/5.0

188 Total Ratings

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