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. |
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