Reviews (US)

Citi Rewards+® Card full review

If you want a rewards credit card that offers bonus points on groceries, gas, and other expenses, the Citi Rewards+® Card may be a good fit. Read our review to learn all about it!

by Victória Lourenço

04/04/2022 | Updated on 02/07/2023

Citi Rewards+® Card: get an intro APR for 15 months.

Check out our Citi Rewards+® Card review to learn about this rewarding card! Source: The Mister Finance
Check out our Citi Rewards+® Card review to learn about this rewarding card! Source: The Mister Finance

If you’re looking for a rewards credit card that offers bonus points on groceries, gas, and other everyday expenses, the Citi Rewards+® may be a good fit. In this full review, we’ll go over all of the details so that you can decide if it’s the right card for you. We’ll cover the rewards program, interest rates, fees, and more to help you make an informed decision. So, keep reading our Citi Rewards+® credit card review to learn more!

Credit ScoreGood to excellent.
Annual FeeNo annual fee.
APR0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that period:

Purchases APR: 17.99% – 27.99% (Variable);
Balance Transfer APR: 17.99% – 27.99%(Variable);
Cash Advance APR: 29.74% (Variable).

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).
Welcome bonus*Earn 20,000 welcome bonus points after you spend $1,500 in your first three months from account opening. Redeemable for $200 in gift cards at thankyou.com
Rewards*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.
Citi Rewards+® Card

How to apply for the Citi Rewards+® Card?

Looking for a card that gives points for supermarket and other purchases? Read our Citi Rewards+® Card application post to know more!

How does the Citi Rewards+® Card work?

Earn excellent rewards and a surprise bonus with this Citi card. For example, new cardholders get 20,000 bonus points after spending $1,500. Also, you must spend this amount within three months of opening your account. This reward is also redeemable for $200 in gift cards.

Also, you can get 2x points for purchases made at supermarkets and gas stations. For example, you can earn 2 ThankYou® points for every dollar you spend at supermarkets and gas stations.

However, this reward is available for the first $6,000 you spend per year.

Citi Rewards+® Card benefits

What are the benefits to this card? Source: Adobe Stock.
What are the benefits to this card? Source: Adobe Stock.

This Citi Rewards credit card offers amazing rewards, as stated previously. You can also use your points to book flights, hotels, cruises, and more! Also, your points do not expire. But this great credit card has some drawbacks. So, here’s our list of pros and cons!

Pros

  • 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 17.99% – 27.99%, based on your creditworthiness.
  • 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.
  • No annual fee!

Cons

  • There are some spending caps on rewards.
  • You need a credit score ranging from good to excellent to qualify for this card.

Pre-approved credit cards for low credit score available now

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How good does your credit score need to be?

To qualify for this Citi credit card, you need a credit score that ranges from good to excellent. Also, remember that a credit card application like this one can impact your score. Therefore, you need to make sure that your score is good enough before you apply.

How to apply for a Citi Rewards+® Card?

The application process to get this Citi credit card is very straightforward. Also, you can do it all online through Citi’s official website. However, remember that you need to have at least a good credit score to qualify. So, check out our post below to know more about how to apply for the Citi Rewards+® Card!

Citi Rewards+® Card

How to apply for the Citi Rewards+® Card

Looking for a card that gives points for supermarket and other purchases? Read our Citi Rewards+® Card application post to know more!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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