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

  • 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 for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.

  • 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 13.49% - 23.49%, 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% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening

  • Ongoing APR

    APR: 13.49% - 23.49% Variable APR

    Cash Advance APR: 25.24%, Variable

    Penalty APR: Up to 29.99%, Variable

  • Balance transfer fee

    3% of each balance transfer; $5 minimum.

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

13.49% - 23.49% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

12.99% - 22.99% 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

N/A

Intro APR

0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Rating details

3.1

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

Cons
  • Spending cap on bonus categories

  • Varying point values

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.