Citi Rewards+ Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.74% ‐ 25.74% (0% for the first 12 months)
Balance Transfer
15.74% ‐ 25.74% (0% for the first 12 months)
Rewards
1 - 2 points
Signup Bonus
15000 points (after spending $1,000)


7.4/10
Informr score
The Citi Rewards+ Card currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 10 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Citi Rewards+ Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


NextAdvisor

The Citi Rewards+℠ Card is a smart choice for anyone who uses their credit card for all of their purchases. The 0% intro APR and 15,000-point bonus are appealing, but we especially love the roundup bonus, as it allows you to make the most of all of your big or small purchases.

- NextAdvisor
Money Crashers

The Citi Rewards+ Card is ideal for cardholders with healthy gas and grocery budgets, who don’t like annual fees, and who want to be able to redeem their points for just about anything. It’s not ideal for cardholders who want to rack up points rapidly, nor those fortunate enough to work from home (o...

- Brian Martucci, Money Crashers
CreditCards.com

The Citi Rewards+ Card is a valuable no-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.

- Emily Sherman, CreditCards.com
MyBankTracker

If you want a simple way to get more points for the purchases you're going to make anyway, you'd have a hard time finding a better choice than Citi Rewards+. The rewards program is hands-down the card's best feature. Between rounding up points and the redemption bonus, you can earn more points comin...

- Rebecca Lake, MyBankTracker
Credit Cards Explained

Citi’s new Rewards+ card offers several innovative ways to earn reward points, but the total value you receive may not be as much as competing products. By taking a closer look at how you use your reward credit cards, you can choose the best one for your needs.

- Jason Steele, Credit Cards Explained

Details


Interest Rates
Regular APR Interest Rate 15.74% ‐ 25.74% (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.74% ‐ 25.74% (0% for the first 12 months)

- Intro rate applies on balances transferred within the first 4 months of account opening.

- This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.49%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 15000 points after spending $1,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas 2 points per $1 spent (on first $6000 spent)
Groceries 2 points per $1 spent (on first $6000 spent)
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

- Round Up to the nearest 10 points on every purchase — with no cap

- 10% Points Back for the first 100,000 Points you redeem per year

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits

- Citi Private Pass

- Trip Cancellation/Interruption Protection

- Return Protection

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


NextAdvisor

Features a wide array of benefits

The Citi Rewards+℠ Card is a smart choice for anyone who uses their credit card for all of their purchases. The 0% intro APR and 15,000-point bonus are appealing, but we especially love the roundup bonus, as it allows you to make the most of all of your big or small purchases.

Read full review

The Citi Rewards+℠ Card is a smart choice for anyone who uses their credit card for all of their purchases. The 0% intro APR and 15,000-point bonus are appealing, but we especially love the roundup bonus, as it allows you to make the most of all of your big or small purchases.

Read full review

Less

Money Crashers

Solid choice for relatively modest spenders

from Money Crashers

The Citi Rewards+ Card is ideal for cardholders with healthy gas and grocery budgets, who don’t like annual fees, and who want to be able to redeem their points for just about anything. It’s not ideal for cardholders who want to rack up points rapidly, nor those fortunate enough to work from...More

The Citi Rewards+ Card is ideal for cardholders with healthy gas and grocery budgets, who don’t like annual fees, and who want to be able to redeem their points for just about anything. It’s not ideal for cardholders who want to rack up points rapidly, nor those fortunate enough to work from home (or disciplined enough to keep their grocery budgets in check).

Read full review

Less

CreditCards.com

Average rewards rate, decent introductory APR

from CreditCards.com

The Citi Rewards+ Card is a valuable no-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.

Read full review

The Citi Rewards+ Card is a valuable no-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.

Read full review

Less

MyBankTracker

A great fit for earning points on spending other than travel

from MyBankTracker

If you want a simple way to get more points for the purchases you're going to make anyway, you'd have a hard time finding a better choice than Citi Rewards+. The rewards program is hands-down the card's best feature. Between rounding up points and the redemption bonus, you can earn more points c...More

If you want a simple way to get more points for the purchases you're going to make anyway, you'd have a hard time finding a better choice than Citi Rewards+. The rewards program is hands-down the card's best feature. Between rounding up points and the redemption bonus, you can earn more points coming and going. The fact that you pay no annual fee and you get extras like Private Pass access just add to its appeal.

Read full review

Less

Credit Cards Explained

Offers you several ways to earn reward points

from Credit Cards Explained

Citi’s new Rewards+ card offers several innovative ways to earn reward points, but the total value you receive may not be as much as competing products. By taking a closer look at how you use your reward credit cards, you can choose the best one for your needs.

Read full review

Citi’s new Rewards+ card offers several innovative ways to earn reward points, but the total value you receive may not be as much as competing products. By taking a closer look at how you use your reward credit cards, you can choose the best one for your needs.

Read full review

Less

NextAdvisor

Wide array of benefits

Features such a wide array of benefits that it's easy to visualize its place in your wallet. We're talking 0% intro APR periods on purchases and balance transfers, a nice intro bonus points offer, rewards for spending in categories you're sure to use, no annual fee and a unique feature that round...More

Features such a wide array of benefits that it's easy to visualize its place in your wallet. We're talking 0% intro APR periods on purchases and balance transfers, a nice intro bonus points offer, rewards for spending in categories you're sure to use, no annual fee and a unique feature that rounds your earned points to the nearest 10 points on every purchase. While these perks make the first year worthwhile, the card's ongoing rewards make it one you'll want to keep in your wallet for years to come.

Read full review

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Finder

No annual fee, decent rewards structure

This can be an excellent credit card for those who want to earn more ThankYou points without paying an annual fee. You get to earn a decent signup bonus, and you can earn double points at supermarkets and gas stations. But the highest value comes with smaller purchases, where Citi rounds up your points to the nearest 10.

Read full review

This can be an excellent credit card for those who want to earn more ThankYou points without paying an annual fee. You get to earn a decent signup bonus, and you can earn double points at supermarkets and gas stations. But the highest value comes with smaller purchases, where Citi rounds up your points to the nearest 10.

Read full review

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The Simple Dollar

Earn up to 10% back on small purchases

from The Simple Dollar

If you’ve been looking for a cash-back credit card that lets you earn more points on gas and grocery purchases all year, the Citi Rewards+ Card may be exactly what you need. Then again, there are a ton of cash-back card options to explore before you pull the trigger.

Read full review

If you’ve been looking for a cash-back credit card that lets you earn more points on gas and grocery purchases all year, the Citi Rewards+ Card may be exactly what you need. Then again, there are a ton of cash-back card options to explore before you pull the trigger.

Read full review

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ValuePenguin

Good card for moderate spenders

from ValuePenguin

A solid card for people who spend a few hundred dollars per month on gas and groceries or who frequently make transactions under $10. For most people, the 10-point-per-purchase minimum is more gimmick than substantial benefit, as each point is worth just 1 cent. There are better options, outlined...More

A solid card for people who spend a few hundred dollars per month on gas and groceries or who frequently make transactions under $10. For most people, the 10-point-per-purchase minimum is more gimmick than substantial benefit, as each point is worth just 1 cent. There are better options, outlined below, for bigger spenders and people who don't have many gas and grocery expenses.

Read full review

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Travel Update

A possible long-term keeper card

from Travel Update

Citibank’s successor to the Thank You Preferred is a winner. This card is great for those who want a supplementary card to the Citi Prestige or Premier. It’s also a good option for those who want to get started in collecting TY points. By itself, this card is limited by its lack of redemptio...More

Citibank’s successor to the Thank You Preferred is a winner. This card is great for those who want a supplementary card to the Citi Prestige or Premier. It’s also a good option for those who want to get started in collecting TY points. By itself, this card is limited by its lack of redemption options. But its fullest potential could be maximized with combined with the Citi Prestige or Premier. This is especially true if you like Citi’s transfer partners.

Read full review

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User Reviews


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