Citi Rewards+ Card review | finder.com

Citi Rewards+℠ Card review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Citi Rewards+℠ Card

Earn more points at supermarkets, gas stations and on smaller transactions.

30-second take

  • Get this card if you want a rewards credit card without paying an annual fee.
  • Pick something else if you want to earn accelerated points on specific categories.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameCiti Rewards+℠ Card
Card TypeMastercard
Annual Fee$0
APR (Annual Percentage Rate) for Purchases15.74% to 25.74% variable
Introductory Purchase APR0% for the first 12 months (then 15.74% to 25.74% variable)
Balance Transfer APR15.74% to 25.74% variable
Introductory Balance Transfer APR 0% for the first 12 months (then 15.74% to 25.74% variable)
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.49% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $39
Returned Payment FeeUp to $39
Minimum Age18 years of age
Welcome OfferEarn 15,000 bonus points after you spend $1,000 in purchases with your card within the first 3 months of account opening. Plus, take advantage of our low introductory APR for 12 months.
RewardsWith the new Citi Rewards+℠ Card, you can make the most of your everyday purchases by earning double ThankYou® Points at the supermarket and gas stations, for the first $6,000 per year and then 1 point on all other purchases. You can redeem for things like gift cards, pay for concert tickets or simply pay for part of your vacation with Select and Credit. One of Citi's best rewards credit cards, the Citi Rewards+℠ Card gives you all this with a low introductory APR and no annual fee.
Base Rewards1x points

The basics

The Citi Rewards+℠ Card is an excellent choice if you’re looking for a credit card with no annual fee and a decent rewards structure. Aside from offering a signup bonus and a long intro APR period on purchases and balance transfers, this card lets you earn more points on everyday purchases with its round-up feature.

Plus, you get points back when you redeem for the first 100,000 points in a year.

The perks

  • Signup bonus.
    Earn 15,000 ThankYou points once you spend $1,000 on purchases within three months of your account opening. According to the Citi website as of January 2019, that’s up to $150 worth of rewards.
  • ThankYou points.
    Earn 2x points at supermarkets and gas stations for the first $6,000 in combined purchases annually. After that and on all other purchases, earn 1x points.
  • Round up points.
    Get your points rounded up to the nearest 10. For example, if you buy a $2 coffee, you’ll earn 10 points instead. In this example, you essentially get 5% back on your purchase. This feature is ideal if you often make smaller purchases.

Want to earn more ThankYou points?

Combine this card with the Citi Premier℠ Card and earn 3x points on travel and gas stations and 2x points on dining and entertainment, and get 25% higher points redemption value on flights

At supermarkets and for smaller transactions, use the Citi Rewards+℠ Card.

Tip: If you decide to combine these two cards, make sure you get the Citi Premier℠ Card first so you can earn the higher signup bonus. Once you get one card, you won’t be eligible for the signup bonus with the other.

You’ll also like

  • No annual fee.
    You won’t pay any yearly fees to own the card.
  • Intro APR period.
    Use your first 12 months of card membership to make balance transfers or purchases and take advantage of a 0% intro APR. After the intro period passes, your rate reverts to a variable 15.74% to 25.74%. Just be sure to request any balance transfers in the first 4 months of account opening.
  • Points back upon redemption.
    Get 10% back on the points you redeem for the first 100,000 points annually. This means redeeming 20,000 points nets you 2,000 points back.
  • Citi benefits.
    This card comes with the standard Citi benefits like Citi Concierge, digital wallets, Citi Private Pass and hard-to-counterfeit EMV chip.

What to watch out for

  • Foreign transaction fees.
    You’ll pay a fee equal to 3% of the transaction every time you swipe abroad.
  • Penalty APR.
    If you make a late or returned payment, you may incur a penalty APR of up to 29.99% variable. Once applied, it may last indefinitely.
  • Balance transfer limitations. Complete your balance transfers within four months of account opening to use the intro APR period. Otherwise, the standard variable APR of 15.74% to 25.74% will apply.

Compare rewards credit cards

Updated February 17th, 2019
Name Product Welcome Offer Rewards Annual Fee
50,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$150 cash back after spending $500 on purchases in the first 3 months
5% cash back in quarterly rotating categories on up to $1,500 in combined purchases for each quarter you activate, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
Earn 1.5% unlimited cash back for each dollar spent
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
Earn 3% at US supermarkets on up to $6,000 per year, then 1%. Earn 2% at US gas stations and US department stores. Earn 1% on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees

Compare up to 4 providers

Bottom line

This can be an excellent credit card for those who want to earn more ThankYou points without paying an annual fee. You get to earn a decent signup bonus, and you can earn double points at supermarkets and gas stations. But the highest value comes with smaller purchases, where Citi rounds up your points to the nearest 10.

Not sure if this is the card for you? Compare rewards credit cards and find the best fit for your lifestyle.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site