Citi Rewards+<sup>&#8480;</sup> Card

Citi Rewards+ Card

on Citibank's application

Citi Rewards+ Card

Citi Rewards+<sup>&#8480;</sup> Card

Citi Rewards+ Card

on Citibank's application

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

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NerdWallet review

By Melissa Lambarena

Rating details

3

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.

    User Reviews

    Rating Details

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