How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

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Citi Rewards+® Card

Citi Rewards+<sup>®</sup> Card

Citi Rewards+® Card

Intro Purchase APR
0% for 15 months
Sign Up Bonus
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
Regular Purchase APR
13.49% - 23.49% (Variable)
Edited by
Julie Sherrier
Reviewed by
Alexandria White
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Citi Rewards+® Card best for?

If you don’t use a credit card for small purchases, now may be the time to start. The Citi Rewards+® Card, from our partner Citi, provides a unique feature — all purchases round up to the nearest 10 points. That means if you purchase a $2 coffee, you earn 10 points, and if you spend $12 on lunch, you earn 20 points.

Plus, if you’re looking to save on interest charges for a big purchase or to move high-interest debt over from another card, the Citi Rewards+® Card comes with an intro APR deal on purchases and balance transfers of 0% for 15 months, after which a 13.49% - 23.49% (variable) APR applies. Know that there is balance transfer fee of There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening..

We review where the Citi Rewards+® Card stands out and falls short, and how it compares to another popular Citi card, the Citi® Double Cash Card – 18 month BT offer.

Citi Rewards+® Card overview

    • 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
    • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
    • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
    • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
    • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Credit needed:
    660 850
    Excellent/Good
  • Access to exclusive events through Citi Entertainment
  • 24/7 customer service
  • Contactless pay capabilities
  • Digital wallets services

Intro Purchase APR

0% for 15 months

Regular Purchase APR

13.49% - 23.49% (Variable)

Intro BT APR

0% for 15 months

Regular BT APR

13.49% - 23.49% (Variable)

Annual Fee

$0

Cash Advance Fee

5% of cash advance; $10 minimum

Foreign Transaction Fee

3%

Balance Transfer Fee

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

Pros and cons

Pros

  • Solid sign-up bonus
  • $0 annual fee
  • Intro APR on purchases and balance transfers
  • Round up to nearest 10 points

Cons

  • Cap on higher rewards rate
  • Low rewards rate on general purchases

What we like about the Citi Rewards+® Card

  • Sign-up bonus

    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.

  • Annual fee

    The Citi Rewards+® Card charges a $0 annual fee.

  • Intro APR on purchases and balance transfers

    The Citi Rewards+® Card comes with an intro APR of 0% for 15 months on purchases. After that, an ongoing APR of 13.49% - 23.49% (variable) applies. Cardholders also receive an intro APR of 0% for 15 months on balance transfers, then an ongoing APR of 13.49% - 23.49% (variable).

  • Purchases round up to the nearest 10 points

    Your purchases will be rounded up to the nearest 10 points, with no cap. For example, a $3 snack purchase will earn 10 points, while an $18 lunch will earn 20 points.

    Additionally, receive 10% of your points back for the first 100,000 ThankYou® Points you redeem each year. For example, if you redeem 15,000 points, you’ll get 1,500 back.

What to watch out for with the Citi Rewards+® Card

  • Cap on higher rewards rate

    You can only earn the higher rewards rate on the first $6,000 spent in bonus earning categories each year with the Citi Rewards+® Card. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

  • Low rewards rate on general purchases

    Purchases made outside of supermarkets and gas stations earn a subpar 1 ThankYou Point per dollar spent. The roundup feature helps offset the low rewards rate, but there are rewards cards available, such as the Citi® Double Cash Card , that offer higher rates on general purchases (more details below).

Alternate rewards credit card

Compare it to the Citi® Double Cash Card

Disclosures |
Citi® Double Cash Card
Citi® Double Cash Card – 18 month BT offer
on Citibank's secure site
N/A
13.99% – 23.99% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
660 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

The Citi® Double Cash Card sets the standard for flat-rate cashback cards — earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

This is a better rewards rate on all your spending compared to the Citi Rewards+® Card, but you can see increased rewards earning potential when using both cards side-by-side.

For example, purchases above $5 could be made with the Citi® Double Cash Card , while spending less than $5 should be charged to the Citi Rewards+® Card. The exceptions are purchases made at supermarkets and gas stations. The first $6,000 spent a year in these categories should be on the Citi Rewards+® Card, and after hitting the annual maximum, spending above $5 should be on the Citi® Double Cash Card and less than $5 on the Citi Rewards+® Card.

This allows small purchases to benefit from the Citi Rewards+® Card’s rounding up to the nearest 10 points, and more sizeable purchases to benefit from the Citi® Double Cash Card ’s higher rewards rate on general purchases.

Looking beyond rewards, the Citi® Double Cash Card provides a slightly longer intro APR of 0% for 18 months on balance transfers, then a regular APR of 13.99% – 23.99% (variable). That said, the card has no intro APR on purchases. So if you want to finance a large purchase over several months, you may want to consider the Citi Rewards+® Card’s intro APR of 0% for 15 months on purchases, then 13.49% - 23.49% (variable) APR.

Compare the Citi Rewards+® Card to similar cards

Comparison of four different credit cards
Citi Rewards+<sup>®</sup> Card Citi<sup>®</sup> Double Cash Card – 18 month BT offer Capital One Quicksilver Cash Rewards Credit Card Chase Freedom Unlimited<sup>®</sup>
Citi Rewards+® Card Citi® Double Cash Card – 18 month BT offer Capital One Quicksilver Cash Rewards Credit Card Chase Freedom Unlimited®
Apply Now
on Citibank's secure site
Apply Now
on Citibank's secure site
Apply Now
on Capital One's secure site
Apply Now
on Chase's secure site
Annual Fee
$0 $0 $0 $0
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 No bonus One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Rewards Rate
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. 1.5% Cash Back on every purchase, every day Earn 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
Intro Purchase APR
0% for 15 months N/A 0% intro on purchases for 15 months 0% Intro APR on Purchases for 15 months
Regular APR
13.49% - 23.49% (Variable) 13.99% – 23.99% (Variable) 14.99% - 24.99% (Variable) 14.99% - 24.74% Variable
Intro Balance Transfer Rate
0% for 15 months 0% for 18 months on Balance Transfers 0% intro on balance transfers for 15 months 0% Intro APR on Balance Transfers for 15 months
Regular Balance Transfer Rate
13.49% - 23.49% (Variable) 13.99% – 23.99% (Variable) 14.99% - 24.99% (Variable) 14.99% - 24.74% Variable
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. 3% Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good Excellent/Good Excellent/Good Excellent/Good
Card Details
Citi Rewards+® Card Citi® Double Cash Card – 18 month BT offer Capital One Quicksilver Cash Rewards Credit Card Chase Freedom Unlimited®

Is the Citi Rewards+® Card right for you?

If you’re looking to maximize rewards on small purchases, the Citi Rewards+® Card is a great card to consider. This card is unmatched when it comes to earning rewards on less expensive everyday purchases. Plus, receiving 10% back on up to 100,000 ThankYou Points per year is a great way to get added value from your ThankYou Points. Finally, the Citi Rewards+® Card has generous 0% intro APR offers that can help you avoid paying interest charges for more than a year.

Apply Now
on Citibank's secure site