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You are here: Home / Credit Cards / Citi Rewards+® Card

Citi Rewards+® Card

May 5, 2023 by Rob Berger

The card_name 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.

Citi Rewards+® Card
Learn More
Our Rating
4.2/5.0
Welcome Offer
Earn 25,000 bonus points
Annual Fee
$0
0% on Purchases
15 Months
Rewards Rate
0% on Balance Transfers
15 Months

Welcome Offer

Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024.

Features & Benefits

SecurityEMV Chip Enabled, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsFree credit score access, 24/7 customer service
Travel PerksAccess to Special Events and Concerts

Rewards

2x points
U.S. supermarkets
Earn 2X ThankYou® Points at Supermarkets for the first $6,000 per year and then 1X Points thereafter.
2x points
Gas
Earn 2X ThankYou® Points at Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1x points
On all other purchases
Earn 1X ThankYou® Points on All Other Purchases.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3%
Regular APR18.49% - 28.49% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 18.49% - 28.49%(V) APR after that.
Balance Transfer FeeIntro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Purchases0% Intro APR for 15 months on purchases, then 18.49% - 28.49% (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 a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved08/06/2019
710
Equifax
$2,600
Approved07/21/2019
725
TransUnion
$1,000
Approved09/27/2019
751
Experian
$10,300
Approved09/27/2019
770
Equifax
$10,300
Approved05/15/2019
781
Experian
$9,500
Approved05/15/2019
785
Equifax
$9,500
Approved01/10/2019
770
Experian
$21,200
Approved02/23/2023
744
Experian
$7,500
Approved12/05/2020
770
Experian
$7,100
Approved05/22/2019
650
TransUnion
$5,600
Approved05/22/2019
664
Equifax
$5,600
Pros
  • Welcome offer
  • No annual fee
Cons
  • High APR
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

Read Review
Chase Freedom Flex(SM)
Chase Freedom Flex(SM)

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Read Review
Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Read Review

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About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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