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
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% on Purchases and Balance Transfers for 15 months
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
Recommended credit score
Not sure which card is best for you?
Editor's overall rating
Pros and cons
No annual fee
Intro APR period on Purchases and Balance Transfers
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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