Citi Rewards+® Card
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The Citi Rewards+® Card is a rewards card designed for people who want rewards at supermarkets and gas stations and don’t want to pay an annual fee. It also has a 0% intro APR offer on purchases and balance transfers for the first 15 months. You’ll earn rewards in the form of ThankYou® points, which can be redeemed for travel or gift cards. There is a spending cap on rewards, though–you get 2x points only on the first $6,000 a year, and after that, you earn just one point. We dive into the details and your approval odds in this Citi Rewards+ review.
Our Rating
4.2/5.0
Welcome Offer
Earn 20,000 bonus points
Annual Fee
$0
0% on Purchases
15 months
Reward Rate
1x to 5x points
0% on Balance Transfers
15 months
>>Check Out This and Other Cash Back Credit Cards Here
Welcome Offer
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
Features & Benefits
| Security | EMV Chip Enabled, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Free credit score access, 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Regular APR | 18.74% - 28.74% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 18.74% - 28.74%(V) APR after that. |
| Balance Transfer Fee | Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min). |
| Purchases | 0% Intro APR for 15 months on purchases, then 18.74% - 28.74% (V) APR after that. |
What Credit Score Is Required to Get the Citi Rewards+® Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 650
Average Approved Credit Score: 738
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 08/06/2019 | Equifax | ||
| Approved | 07/21/2019 | TransUnion | ||
| Approved | 09/27/2019 | Experian | ||
| Approved | 09/27/2019 | Equifax | ||
| Approved | 05/15/2019 | Experian | ||
| Approved | 05/15/2019 | Equifax | ||
| Approved | 01/10/2019 | Experian | ||
| Approved | 02/23/2023 | Experian | ||
| Approved | 12/05/2020 | Experian | ||
| Approved | 05/22/2019 | TransUnion | ||
| Approved | 05/22/2019 | Equifax |
Pros & Cons
- Welcome offer
- No annual fee
- High APR
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0
Chase Freedom Flex(SM)
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0