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Citi Rewards+® Card

Citi Rewards+® Card

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Our rating:3.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

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Intro Bonus
20,000 pointsFor 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
Reward Rates
2XEarn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1XEarn 1X ThankYou® Points on All Other Purchases.
Balance Transfers Intro APR
0% intro for 15 months on Balance Transfers
Purchases Intro APR
0% intro for 15 months on Purchases
Regular APR
13.49% - 23.49% (Variable)
Annual Fee
$0

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.

Features

  • 0% Introductory APR
    0% Introductory APR
  • Balance Transfer
    Balance Transfer
  • Dining
    Dining
  • Excellent Credit
    Excellent Credit
  • Gas
    Gas
  • Good Credit
    Good Credit
  • Low Interest
    Low Interest
  • No Annual Fee
    No Annual Fee
  • Points
    Points
  • Rewards
    Rewards

Staff Review

Editor's Rating:

3.2 out of 5

Our take: The Citi Rewards+ Card is a valuable no-annual-fee card that rewards users for everyday purchases. While the rewards rate might not seem as high as similar cards, unique features make it easy to rack up flexible ThankYou points.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.