Citi Rewards+® Card

Citi Rewards+® Card

on Citibank's application

Citi Rewards+® Card

Citi Rewards+® Card

Citi Rewards+® Card

on Citibank's application

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Card details

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

  • For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.

  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.24%-24.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

  • 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 14.24% - 24.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-5x

  • Bonus offer

    Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.

  • Intro APR

    0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening

  • Ongoing APR

    APR: 14.24%-24.24% Variable APR

    Cash Advance APR: 25.99%, Variable

    Penalty APR: Up to 29.99%, Variable

  • Balance transfer fee

    Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn more
Annual fee

$0

Annual fee

$99

Annual fee

$95

Regular APR

14.24%-24.24% Variable APR

Regular APR

16.24%-25.24% Variable APR

Rates & Fees

Regular APR

16.74%-23.74% Variable APR

Intro APR

0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

3.3

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period

Cons
  • Spending caps on bonus rewards

  • Requires good/excellent credit

  • Complicated redemptions

The Citi Rewards+® Card underwhelms when compared with other rewards cards in its class.

The Citi Rewards+® Card has a $0 annual fee and earns:

--2 ThankYou points per $1 spent at supermarkets and gas stations (for the first $6,000 spent per year).

--1 ThankYou point per $1 spent on all other purchases.

--10% points back for the first 100,000 ThankYou Points redeemed per year.

Despite those features, though, you can find other no-annual-fee options that offer richer and less complicated rewards on everyday spending. For more information, read our full review of this card.