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Citi Rewards+ Card

Requires sign in
Rewards Rate
2x points at supermarkets and gas stations, 1x points on all other purchases, 10% boost in points upon redemption
Sign Up Bonus
15,000 points after spending $1,000 within the first 3 months
Typical Credit Score
Excellent
Pros & Cons
  • 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.

  • Foreign transaction fee
  • Penalty APR of up to 29.99%
  • You do not choose which categories you receive 2x points on
Citi Rewards+ card

Who is the Citi Rewards+ card for?

The Citi Rewards+ card is an ideal card for people looking for a simple rewards system at no cost. This card offers 2x points per dollar on purchases at supermarkets and gas stations and 1x point per dollar on all other purchases. All purchases will also round up to the nearest 10 points meaning a $21 dinner will provide the owner with 30 points. 

Complementing the rewards system nicely are the benefits that come with the card. You receive 10% of your points back for the first 100,000 ThankYou Points you redeem per year. Points can be redeemed in the form of gift cards, travel rewards, or they can be used to shop at Best Buy or Amazon.

This card is ideal for people who want a complication-free rewards system with a lot of flexibility on how you receive your points. No annual costs make this card attractive for any shopper, especially those who will maximize their points by shopping at supermarkets and gas stations frequently.

Sign-Up Bonus

There is also a nice sign-up bonus of 15,000 bonus points after you spend $1,000 in purchases on your card within 3 months of account opening. These points can be redeemed for $150 in gift cards at thankyou.com. This is the equivalent of 15% cash back, and with no annual fee. Just make sure you spend $1,000 in 3 months in order to meet the requirement.

Rewards

Now down to the rewards rate. Cardholders earn 2x points at supermarkets and gas stations for the initial $6,000 spent each year and then 1x points thereafter. On all other purchases, you earn 1x points. This rewards the owner for two of the most common purchases, making it easier to get points quickly.

Furthermore, the Citi Rewards+ Card calculates points earned by rounding upwards to the nearest 10-point increment on each purchase - all without a cap. So if your purchase would typically earn you 6 points, Citi will go ahead and give a full 10 points, which can really add up over time.

In addition, when you redeem your first 100,000 ThankYou Points, you will receive 10% points back. This means that you will receive 10,000 points back for your first 100,000 ThankYou Points, which would normally take you $10,000 worth of purchases or $5,000 worth of purchases at supermarkets and gas stations to achieve. 

ThankYou Points can be redeemed in a variety of ways. They can be transformed into gift cards, of which you can choose from a large selection of department stores and restaurants. They can be redeemed for travel rewards, such as flights, hotels, cruises, and more. You can also use these points on Amazon.com or BestBuy.com to easily shop for a variety of different products. Sometimes these gift cards offer increased redemption value ($20 gift cards selling for $15), which can be a quick way to increase your purchasing power.

Benefits

The points you get on this card are accompanied by a 0% introductory APR for 15 months on both balance transfers and all new purchases made on this card. This feature will be really useful to finance a larger purchase by postponing payments for more than a year. We recommend that you plan accordingly and purchase any future vacations, cars, or expensive items while you have no interest during these 15 months. Following that, the variable APR is going to vary between 13.49% and 23.49%. Be cautious, though, because Citi has the right to end the introductory APR and apply the penalty APR if you miss a payment.

The Citi Rewards+ Card is a great rewards card with a genuinely differentiated value proposition because cardholders will enjoy full access to the exclusive Citi Entertainment portal, which offers special access to thousands of events, concerts, sports games, restaurants and more. Citi has done a great job with this portal, which assembles experiences that are not easily obtainable to the general public.

Services and Protections

In addition, this card will give you access to 24/7 customer service. If a card is not working properly, if you have a question about your account, or if you want to learn more about certain charges, Citi will always have customer service specialists ready to answer your questions at any time of the day.

The Citi Rewards+ card also contains contactless pay. Instead of having to swipe or insert your card, you are able to just tap your card on the card reader, providing an easier and quicker payment alternative, with the added bonus of protecting your cards’ information.

This card is protected by a few different Citi services. You can use digital wallets in order to safely and easily shop online. You also will not be liable for fraudulent charges made on your account, as Citi provides $0 liability on unauthorized charges.

Cautions

When trying to receive 2x points for your purchases you should look into what classifies as a supermarket. Examples of stores that are not counted as supermarkets include: general merchandise/discount superstores (namely, Walmart & Target), dairy product stores, convenience stores, farmer’s markets, pharmacies, and wholesale clubs.

If you do get this card, make sure you complete your payments on time. If your payments are late, you can be charged up to $40 as a late fee. In addition, Citi has the right to raise your APR up to 29.99% as a penalty for late payments. Thus, these punishments make it crucial to make your payments on time.

Also, certain transactions will not give you points. Cash advances, items returned for credit, interest and account fees, travellers checks, foreign currency purchases, money orders, lottery tickets, and gaming chips do not earn ThankYou Points.

You should also be careful when traveling internationally if you are using the Citi Rewards+ card as your only credit card. The card does contain a 3% foreign transaction fee, so any transaction made in other countries will be accompanied by a hefty fee, which adds up. You should look into travel credit cards to accompany this card if you are someone who travels internationally frequently.

No Annual Fee

With all of these rewards, bonuses, and benefits, it seems logical that there should be an annual fee, but Citi has decided not to implement an annual fee on this credit card. This means that you receive 25,000 points between the signup bonus and the 10% points back without ever having to take money out of your wallet. No annual fee makes this an attractive credit card for any type of shopper.

Conclusion

The Citi Rewards+ card is perfect for any shopper who wants to earn rewards without paying an annual fee. As one of Citi’s most coveted rewards cards, the signup bonus, the rounding up of points to the nearest ten, and the 10% points back are all added incentives to this generous rewards card. At no annual cost, this reward card benefits from double points at highly used locations (supermarkets and gas stations) making this card a great option for anyone who shops frequently and would like to earn rewards as a result of it.

Complete Card Details
Rewards Rate
2x points at supermarkets and gas stations, 1x points on all other purchases, 10% boost in points upon redemption
Welcome Bonus
15,000 points after spending $1,000 within the first 3 months
Typical Credit Score
Excellent
Intro Annual Fee
N/A
Annual Fee
N/A
Additional User Annual Fee
N/A
Foreign Transaction Fee
3%
Intro Purchase APR
0%
Regular Purchase APR
13.49% - 23.49%
Cash Advance Fee
5%
Cash Advance APR
25.24%
Late Fee
Up to $40
Intro Balance Transfer APR
0%
Regular Balance Transfer APR
13.49% - 23.49%
Penalty APR
Up to 29.99%
Balance Transfer Fee
3%
Return Payment Fee
Up to $40
Minimum Deposit
N/A
Credit Card Network
Mastercard
Credit Card Issuer
Citi
Citi Rewards+ Card FAQ

What is the minimum credit score required to apply for Citi Rewards+ Card?

A credit score of 700 is required to be eligible for Citi Rewards+ Card.

What is the minimum deposit required for Citi Rewards+ Card?

There is no minimum deposit required for this credit card.

What is the Intro Annual Fee for Citi Rewards+ Card

The Intro Annual Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Annual Fee for Citi Rewards+ Card

The Annual Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Intro Purchase APR for Citi Rewards+ Card

The Intro Purchase APR for Citi Rewards+ Card is 0%.

What is the Regular Purchase APR for Citi Rewards+ Card

The Regular Purchase APR for this credit card is 13.49% - 23.49%.

What is the Intro Balance Transfer APR for Citi Rewards+ Card

The Intro Balance Transfer APR for this credit card is 0%.

What is the Regular Balance Transfer APR for Citi Rewards+ Card

The Regular Balance Transfer APR for this credit card is 13.49% - 23.49%.

What is the Cash Advance APR for Citi Rewards+ Card

The Cash Advance APR for Citi Rewards+ Card is 25.24%.

What is the Cash Advance Fee for Citi Rewards+ Card

The Cash Advance Fee for this credit card is 5%.

What is the Late Fee for Citi Rewards+ Card

The Late Fee for this credit card is up to $40.

What is the Penalty APR for Citi Rewards+ Card

The Penalty APR for this credit card is up to 29.99%.

What is the Balance Transfer Fee for Citi Rewards+ Card

The Balance Transfer Fee for Citi Rewards+ Card is 3%.

What is the Min. Balance Transfer Fee for Citi Rewards+ Card

The Min. Balance Transfer Fee for this credit card is $5.

What is the Foreign Transaction Fee for Citi Rewards+ Card

The Foreign Transaction Fee for Citi Rewards+ Card is 3%.

What is the Return Payment Fee for Citi Rewards+ Card

The Return Payment Fee for this credit card is up to $40.
$738
$1,065
$261
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