Citi Rewards+® Card

Citi Rewards+® Card

on Citibank's application

Citi Rewards+® Card

Citi Rewards+® Card

Citi Rewards+® Card

on Citibank's application

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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 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 for 15 months on purchases and balance transfers

  • 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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$95

Regular APR

13.49% - 23.49% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Melissa Lambarena

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.