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Citi Rewards+℠ Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.24% ‐ 27.24% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
17.24% ‐ 27.24% (Variable) (0% for the first 15 months)
Balance Transfer
17.24% ‐ 27.24% (Variable) (0% for the first 15 months)
Balance Transfer
17.24% ‐ 27.24% (Variable) (0% for the first 15 months)
1 - 2 points
1 - 2 points
Signup Bonus
20000 points (after spending $1,500)
Signup Bonus
20000 points (after spending $1,500)

Informr score
The Citi Rewards+℠ Card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 25 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...


The Citi Rewards+® credit card is a no-annual-fee rewards card, primarily for use at grocery stores and gas stations. The card offers different ways to redeem points and is a great way to turn everyday purchases into usable rewards.

- Scott Jeffries, GOBankingRates

Despite its bonus tiers and "round up" feature, the card underwhelms when compared with others in its category.

- Melissa Lambarena, NerdWallet

Since the Citi Double Cash card provides unlimited and more valuable rewards without an annual fee, the Citi Rewards+ Card is a tough sell if you aren’t planning to pair it with another Citi travel card like the Citi Premier.

- Garrett Yarbrough, Bankrate

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.

- Emily Sherman,

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


Interest Rates
Regular APR Interest Rate 17.24% ‐ 27.24% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 17.24% ‐ 27.24% (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 28.99% (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 $41.00


Sign up bonus 20000 points after spending $1,500
  • On purchases within the first 3 months.
  • Earn 5 points per $1 on restaurants up to $6000 for the first 12 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, Google 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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