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RATING

Citi Rewards+® Card

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With rewards at supermarkets and gas stations, the Citi Rewards+ Card has no annual fee and a relatively long introductory APR for purchases and balance transfers. You’ll get 10% of your points back for the first 100,000 redeemed per year, and your point earning will automatically round up to the nearest 10 points on every purchase — a unique feature that could lead to some interesting strategies.

Citi is a Credit Card Insider advertiser.

Citi Rewards+ Card
Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 13.49% - 23.49% (Variable)
Intro Balance Transfer APR: 0% for 15 months
Intro Purchase APR: 0% for 15 months

Citi Rewards+® Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features

Rewards

Spending Rewards
  • 2X ThankYou points per dollar on up to $6,000 in purchases per year (then 1X), at:
    • Supermarkets
    • Gas stations
  • 1X ThankYou point per dollar on all other purchases
  • Point Round Up: Each purchase rounds up to the nearest 10 points
Introductory Bonus
  • Earn 20,000 bonus points for spending $1,500 in the first 3 months

Citi Transfer Partner

Airline Partners

  • JetBlue TrueBlue

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 15 months
Regular Balance Transfer APR 13.49% - 23.49% (Variable)
Balance Transfer Fee Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
How to Transfer a Balance on a Credit Card

Fees

Penalty APR Up to 29.99% Variable
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.24% (Variable)
Cash Advance Fee 5% of each cash advance; $10 minimum
How to Get a Cash Advance with a Credit Card
Citi Rewards+® Card

Highlights

  • 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. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • 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.
ABOUT THE ISSUER

Citi

Citi has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-950-5114 or

Try a different phone number
See all Issuer Cards

With the Citi Rewards+ Card you’ll earn 2X ThankYou points per dollar at supermarkets and gas stations (on up to $6,000 per year, then 1X) and 1X ThankYou point per dollar everywhere else.

You’ll also get 10% of your points back for the first 100,000 points you redeem per year, and all of your point earnings automatically round up to the nearest 10 points on every purchase.

The Rewards+ offers a 0% introductory APR for purchases and balance transfers for 15 months (for transfers made in the first four months), followed by an APR of 13.49% - 23.49% (Variable).

This card has no annual fee.

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