Citi Rewards+® Card
on Citibank's application
Citi Rewards+® Card
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
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 |
Regular APR13.49% - 23.49% Variable APR | Regular APR15.99% - 22.99% Variable APR | Regular APR12.99% - 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 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 |
NerdWallet review
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.
