Earn more points at supermarkets, gas stations and on smaller transactions.
- 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 Name | Citi Rewards+℠ Card |
|---|---|
| Card type | Mastercard |
| Annual fee | $0 |
| Standard purchase APR | 15.74% to 25.74% variable |
| Intro purchase APR | 0% for the first 15 months (then 15.74% to 25.74% variable) |
| Standard balance transfer APR | 15.74% to 25.74% variable |
| Intro balance transfer APR | 0% for the first 15 months (then 15.74% to 25.74% variable) |
| Balance transfer fee | $5 or 3% of the transaction, whichever is greater |
| Cash advance rate | 27.49% variable |
| Cash advance fee | $10 or 5% of the cash advance amount, whichever is greater |
| Foreign transaction fee | 3% of the transaction value |
| Interest free period | Up to 23 days |
| Late payment fee | Up to $39 |
| Returned payment fee | Up to $39 |
| Minimum Age | 18 years of age |
|---|
| Welcome Offer | 15,000 points after spending $1,000 in the first 3 months |
|---|---|
| Rewards | 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases |
| Base Rewards | 1x 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.
Compare Citi Rewards+℠ Card vs Blue Cash Everyday® Card from American Express
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 flightsAt 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 15 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
Compare Citi Rewards+℠ Card vs Blue Cash Preferred® Card from American Express
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.
