The Citi Rewards+® Card sets itself apart in the competitive credit card market by offering a unique rewards structure that enables cardholders to earn significant Thank You® Points across a wide array of spending categories.

This makes it a versatile choice suitable for both frequent users who maximize rewards on everyday purchases and occasional spenders looking to benefit from its practical rewards program. Its ability to cater to diverse spending habits and provide valuable benefits distinguishes it as an attractive option for consumers seeking a rewarding credit card experience.

Key information about the card

Qualification requirements

To qualify for the Citi Rewards+® Card, applicants generally need to have a good to excellent credit score. Citibank sets specific creditworthiness criteria, and applicants must also meet the income requirements established by the bank. These factors ensure that cardholders can responsibly manage credit and take full advantage of the card’s benefits and rewards.

Benefits of the Citi Rewards+® Card

Earn bonus points quickly

New cardholders of the Citi Rewards+® Card are eligible to earn an impressive bonus of 20,000 Thank You® Points after spending $1,500 on purchases within the first 3 months of opening their account. This introductory offer provides significant value, allowing cardholders to redeem these points for $200 in gift cards or travel rewards through thankyou.com.

This bonus serves as a compelling incentive for those looking to maximize their initial spending and earn substantial rewards early on. By meeting the spending requirement within the specified timeframe, cardholders not only benefit from the immediate reward but also set themselves up for ongoing earning potential with the card’s competitive points structure on everyday purchases.

This feature makes the Citi Rewards+® Card an attractive option for individuals seeking to leverage their spending into valuable rewards, enhancing their overall cardholder experience.

Accelerated points earning

The Citi Rewards+® Card offers a robust rewards program tailored to various spending categories. Cardholders earn 5 Thank You® Points per $1 spent on hotel and car rentals booked through CitiTravel.com until December 31, 2025, making it an excellent choice for travelers. Additionally, they earn 2 Thank You® Points per $1 spent at supermarkets and gas stations, up to $6,000 annually, catering to everyday shopping needs.

For all other purchases, cardholders earn 1 Thank You® Point per $1 spent. This tiered rewards structure ensures that cardholders can earn points quickly across different types of spending, enhancing their ability to accumulate rewards for future redemptions. These features make the Citi Rewards+® Card versatile and rewarding for a wide range of consumer spending habits.

Unique round-up feature

One standout feature of the Citi Rewards+® Card is its automatic rounding up to the nearest 10 points on every purchase. This means that every transaction, regardless of size, earns points rounded up to the nearest 10. For example, a $30 grocery purchase would normally earn 30 points, but with this feature, it earns 40 points instead.

This unique benefit accelerates points accumulation, allowing cardholders to accumulate rewards faster with everyday spending. It’s a convenient and rewarding feature that adds value to each purchase, making the Citi Rewards+® Card appealing for those looking to maximize their rewards effortlessly.

Points back on redemptions

Cardholders of the Citi Rewards+® Card enjoy a valuable perk: they receive 10% of their redeemed points back, up to the first 100,000 points redeemed annually. This feature enhances the value of their rewards redemption by effectively providing a bonus on points cashed in.

For example, if a cardholder redeems 15,000 points, they would receive 1,500 points back through this benefit, effectively increasing their total rewards. This benefit makes the Citi Rewards+® Card even more attractive for those who frequently redeem their points for travel, gift cards, or other rewards, offering an additional incentive to maximize the value of their accumulated ThankYou® Points.

No annual fee

The Citi Rewards+® Card stands out in the realm of rewards credit cards by offering no annual fee, which is advantageous for budget-conscious consumers seeking to maximize benefits without additional costs. This feature distinguishes it from many competitors that often impose annual fees on similar rewards programs.

By eliminating this fee, the Citi Rewards+® Card provides accessible entry into a robust rewards program, allowing cardholders to enjoy its benefits and earn Thank You® Points on everyday purchases without the burden of ongoing annual charges. This makes it an appealing option for individuals looking to manage their finances efficiently while still enjoying the perks of a rewards credit card.

Pros of the Citi Rewards+® Card

• Strong bonus points offer: The initial bonus of 20,000 points is generous for a no-annual-fee card.
• Unique points round-up: Every purchase is rounded up, enhancing points accumulation.
• Flexible redemption options: Points can be redeemed for travel, gift cards, merchandise, and more.

Cons to consider

• Foreign transaction fees: A fee applies to purchases made outside the U.S., which may deter international travelers.
• Variable APR: After the introductory period, APR can range widely based on creditworthiness, affecting carrying balances.

How to apply

Applying for the Citi Rewards+® Card is a straightforward process. Interested applicants can visit the official Citibank website or take advantage of targeted promotional offers to apply. It’s important to note that approval is contingent upon meeting Citibank’s credit approval criteria.

This ensures that applicants with the appropriate creditworthiness and financial standing can access the benefits and rewards offered by the card. The online application process is designed to be user-friendly, providing convenience and accessibility for individuals interested in maximizing their rewards potential with the Citi Rewards+® Card.

Is the Citi Rewards+® Card worth It?

The Citi Rewards+® Card presents compelling benefits, particularly advantageous for frequent spenders on groceries, gas, and travel bookings through CitiTravel.com. With its absence of an annual fee and a competitive points structure, it stands as a robust option for maximizing rewards on daily expenditures.

This combination makes it an attractive choice for individuals seeking to earn substantial Thank You® Points effortlessly and capitalize on their everyday purchases without incurring additional costs.