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.
- 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 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.
- 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 15.24% to 25.24%. 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.
- 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 15.24% to 25.24% will apply.
Updated October 20th, 2019
Compare Citi Rewards+℠ Card vs Blue Cash Preferred® Card from American Express
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.