Citi Rewards+℠ Card
on Citibank's application
Citi Rewards+℠ Card
Card details
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 14.99% - 24.99%, based on your creditworthiness.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Rates, fees & offers
Annual fee
$0
Rewards rate
1x-2x
Bonus offer
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.
Intro APR
0% on Purchases and Balance Transfers for 15 months
Ongoing APR
APR: 14.99% - 24.99% Variable APR
Penalty APR: Up to 29.99%, Variable
Cash Advance APR: 26.74%, Variable
Balance transfer fee
3% of each balance transfer; $5 minimum.
Foreign transaction fee
3%
Recommended credit score
NerdWallet review
Rating details
3.1
Editor's overall rating
Pros and cons
Pros
No annual fee
Intro APR period on Purchases and Balance Transfers
Cons
The Citi Rewards+℠ Card can be a decent pick for modest spenders who make a lot of small purchases, thanks to its unique "round up" feature. But other cards can offer more value, flexibility and simplicity.
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.
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