Citi Rewards+® Card
on Citibank's application
Citi Rewards+® Card
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
| Learn more | ||
Annual fee$0 | Annual fee$99 | Annual fee$95 |
Regular APR14.24%-24.24% Variable APR | Regular APR16.74%-23.74% Variable APR | |
Intro APR0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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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.
