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Citi Rewards+℠ Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
14.24% ‐ 24.24% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
14.24% ‐ 24.24% (Variable) (0% for the first 15 months)
Balance Transfer
14.24% ‐ 24.24% (Variable) (0% for the first 15 months)
Balance Transfer
14.24% ‐ 24.24% (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 7.5 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...


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, Madison Blancaflor, A, Bankrate

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
One Mile at a Time
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, so it’s a great complement to the Citi Premier Card. 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...

- Ben Schlappig, One Mile at a Time
The Balance
The Balance

You’ll get double points on common everyday purchase categories, plus extra points on each purchase, thanks to a unique feature that rounds your earnings up to the nearest 10 points on every purchase. Although there are some limitations, if you’d like a card designed to reward small day-to-day purch...

- Sienna Wrenn, The Balance

If you are a modest spender, the Citi Rewards+® Card would be an excellent rewards card to add to your wallet. With no annual fee, there is no minimum spending to make the card pay dividends, and plus, the $1,500 threshold is easy to reach for the 20,000 bonus points. This could be a good card for a...

- Jennifer Doss,


Interest Rates
Regular APR Interest Rate 14.24% ‐ 24.24% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 14.24% ‐ 24.24% (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 25.99% (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 $40.00


Sign up bonus 20000 points after spending $1,500
  • On purchases within the first 3 months.
  • Earn 5 points per $1 on air travel and hotel purchases 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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