Citi Rewards+℠ Card review

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Advertiser Disclosure

Interest Rate: Purchases
13.49% ‐ 23.49% (Variable) (0% for the first 15 months)
Balance Transfer
13.49% ‐ 23.49% (Variable) (0% for the first 15 months)
1 - 2 points
Signup Bonus
15000 points (after spending $1,000)

Informr score
The Citi Rewards+℠ Card currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 16 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Citi Rewards+℠ Card is typically available to those with good 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...

One Mile at a Time

The Citi Rewards+ Card is a no annual fee card that can add value for earning and redeeming ThankYou points. You can earn 2x points per dollar spent in certain categories, and have your purchases rounded up to the nearest 10 points. On top of that, having this card will get you up to 10,000 points b...

- Ben, One Mile at a Time
The Simple Dollar

The Citi Rewards+℠ Card is best for small, frequent spenders looking to earn big on their everyday purchases. Rounding every purchase to the nearest 10 points — and offering 10% points back (for the first 100,000 redeemed every year) — are just a couple of ways your small purchases can accrue big po...

- Trea Branch, The Simple Dollar

The Citi Rewards+ Card is perfect for people who use their credit cards to make smaller purchases. With Citi Rewards+, every purchase is rounded up to the nearest 10 points, so a $1 candy bar will earn the same amount of points as a $9.99 purchase. If you spend money on gas and groceries frequently,...

- Kevin Payne, FinanceBuzz
Credit Card Insider

Citi seems to think that the Citi Rewards+℠ Card has one main selling point: The card automatically rounds up to the nearest 10 points on every purchase. And, sure, that’s pretty cool. But there’s a lot to consider beyond this nifty perk in order to determine whether the Rewards+ is a card that meet...

- Sean Messier, Credit Card Insider
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


Interest Rates
Regular APR Interest Rate 13.49% ‐ 23.49% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 13.49% ‐ 23.49% (Variable) (0% for the first 15 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 25.24% (Variable)

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 $40.00


Sign up bonus 15000 points after spending $1,000

On purchases within the first 3 months.

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

Citi Entertainment

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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