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% Intro on Purchases

15 months

Reward Rate

1x to 5x points

0% Intro 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

Editorial Review

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 on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
5x points
Rental Cars
Earn 5X ThankYou® Points on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

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.

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: 770

Average Approved Credit Score: 788

App StatusDateCredit ScoreBureauCredit Limit
Approved01/08/2024
789
Equifax
$7,500
Approved01/08/2024
805
Experian
$7,500
Approved01/08/2024
808
TransUnion
$7,500
Approved03/03/2024
770
Equifax
$7,300
Approved03/03/2024
773
TransUnion
$7,300
Approved03/03/2024
779
Experian
$7,300
Approved03/03/2024
791
Not Provided
$7,300
Denied02/28/2024
787
TransUnion
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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
Citi® Double Cash Card

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

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