Citi Rewards+® Card

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

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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

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

1x points
On all other eligible purchases
Earn 1X ThankYou® Points on All Other Purchases.
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.
5x points
Hotels
Earn 5X ThankYou® Points per dollar spent on hotels booked through the Citi Travel portal through June 30, 2024
5x points
Rental Cars
Earn 5X ThankYou® Points per dollar spend on car rentals booked through the Citi Travel portal through June 30, 2024

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3%
Regular APR18.74% - 28.74% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 18.74% - 28.74%(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 18.74% - 28.74% (V) APR after that.

Pros & Cons

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

Chase Freedom Flex(SM)
Chase Freedom Flex(SM)

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

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

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