Citi Rewards+® Card
on Citibank's application
Citi Rewards+® Card
Card details
FOR A LIMITED TIME, 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
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.
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 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 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.
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
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 intro for the first year, then $95 |
Regular APR13.49% - 23.49% Variable APR | Regular APR15.99% - 22.99% 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 APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
Rating details
3.1
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.
