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.

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.
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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Citi Rewards+® Card Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.1
Citi Rewards+<sup>®</sup> Card
Intro Purchase APR
0% intro APR for 15 months on Purchases
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. Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Regular Purchase APR
18.74% - 28.74% (Variable)
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Our take: The Citi Rewards+® Card is an average rewards card with a lackluster earning rate. But, it does offer a long intro APR for balance transfers and new purchases, making it a great choice for someone who wants to save on paying down a balance.

Pros and cons

  • No annual fee
  • Solid sign-up bonus
  • Fair earning rate on supermarket and gas station purchases
  • Rounds up every purchase to the nearest 10 points
  • Get 10% points back for redemptions
  • Generous intro APR on purchases and balance transfers
  • Pool points with the Citi Strata Premier Card
  • Underwhelming rewards
  • 2x bonus rate is capped at $6,000 in purchases per year
  • Low value for cash back redemptions
  • Few features
  • Foreign transaction fees

Is the Citi Rewards+® Card a good card?

Citi is an advertising partner.

The Citi Rewards+® Card is an OK rewards credit card for people who don’t want to pay an annual fee. Its most noteworthy feature is a longer-than-average intro APR for new purchases and balance transfers. It also has a unique roundup feature that rounds up your points to the nearest 10. As an example, if you buy a pack of gum at a drugstore for $1, you’ll earn 10 points instead of the normal 1 point per dollar spent — this makes it an especially rewarding card for small purchases.

However, the remainder of its rewards are underwhelming due to a strict limit on its bonus categories. The card’s 2X bonus on gas and supermarket purchases only applies to $6,000 in purchases per year. The majority of purchases on this card only earn 1X points.

If you’re looking for a standalone rewards card, you’ll find that there are much better no-annual-fee options, including the Citi Double Cash® Card.

First year value: $523 versus $635 for the average rewards credit card*
Ongoing value: $303 versus $321 for the average rewards credit card*
*Based on LendingTree’s value methodology

Quick facts

    • 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
    • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
    • 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 18.74% - 28.74%, 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).
    • 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 Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
    • No Annual Fee
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good/Excellent
  • Annual fee: $0
  • 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. Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • Rewards: 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.
  • Other benefits: Rounds up to nearest 10 points on every purchase, 10% bonus on redeemed points for up 100,000 points each year, Citi Entertainment®

Intro Purchase APR

0% intro APR for 15 months on Purchases

Regular Purchase APR

18.74% - 28.74% (Variable)

Intro BT APR

0% intro APR for 15 months on Balance Transfers

Regular BT APR

18.74% - 28.74% (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.

Sign-up bonus (3 out of 5)

How large is the sign-up bonus on the Citi Rewards+® Card? The Citi Rewards+® Card starts you off with a solid one:

You’ll 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. Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

Because the card offers a 10% redemption bonus for up to 100,000 points redeemed each year, this sign-up bonus is actually worth $220, and that’s better-than-average for a no-annual-fee card. This bonus is also relatively easy to earn with a modest spending requirement. However, there are rewards credit cards with better sign-up bonuses out there.

  Who’s eligible to earn this sign-up bonus? The fine print on this card says you’re only eligible to earn the sign-up bonus if you haven’t received a new account bonus on the Citi Rewards+® Card within the last 48 months.

Should you apply now? Now is a good time to apply to earn a sign-up bonus with the Citi Rewards+® Card. In the past year, the sign-up bonus has only had one modest 5,000-point increase.

Recent offers for the Citi Rewards+ Card
DateNumber of Points
July 202320,000
April 202325,000

Earning rewards (2.8 out of 5)

How do you earn points with the Citi Rewards+® Card? While the Citi Rewards+® Card does have some bonus categories and a unique “round-up feature” that helps users earn more points on small purchases, its overall rewards rate is unimpressive. This is due to a strict spending cap on its bonus categories. You’ll 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 round-up feature could make a difference for people who mostly make small purchases with their cards. But the most it can net you is an additional 9 points (worth 9 cents at most) for any purchase charged.

The Citi Rewards+® Card falls short in terms of rewards potential compared to similar no-annual-fee rewards credit cards. For example, the Capital One SavorOne Cash Rewards for Good Credit has more bonus rewards categories with no spending cap. Further, the Capital One VentureOne Rewards Credit Card lets users transfer miles to a full list of Capital One airline and hotel transfer partners for premium travel redemptions.

Rewards earned per $1 spent*

*Based on LendingTree’s value methodology

Redeeming points (4 out of 5)

How do you redeem Citi Rewards+® Card points? The points that you earn with the Citi Rewards+® Card are very flexible. Points don’t expire, and you can redeem them for a wide variety of rewards. Your best bets when it comes to redemptions include gift cards or flights booked through Citi. And since you get a 10% redemption bonus on up to 100,000 points per year, you’ll net 1.1 cents per point on these redemptions until you hit the cap.

You can even transfer points to a few of Citi’s transfer partners, albeit at a low ratio (mostly 1,000:800 points/miles).

Unfortunately, you’ll get a low value on other redemptions, including cash back, which will only get you up to 0.6 cents per point.

Redemption optionExampleValue per point
Cash back$50 Cash Back: 10,000 points0.5 cent (0.55 cent with 10% bonus)
Gift cards$25 Best Buy Gift Card: 2,500 points1 cent (1.1 cent with 10% bonus)
Redeem for flights$450 fare: 45,000 points1 cent (1.1 cent with 10% bonus)
Charity donation$25 donation: 2,500 points1 cent (1.1 cent with 10% bonus)
Shopping$829 Apple iPad Mini: 100,000 points0.83 cent (0.913 cent with 10% bonus)
Statement credit$10 statement credit: 2,000 points0.5 cent (0.55 cent with 10% bonus)
Amazon$80 purchase: 10,000 points0.8 cent (0.88 cent with 10% bonus)

Pairing the Citi Rewards+® Card with other Citi ThankYou cards If you pair the Citi Rewards+® Card with the Citi Strata Premier Card, the Citi Custom Cash® Card and/or the Citi Double Cash® Card, you can position yourself to earn more rewards on everyday spending. Having the Citi Strata Premier Card allows you to transfer points that you earn with all these cards to a larger selection of Citi ThankYou airline and hotel partners, which could dramatically increase the value of each point.

0% balance transfer APR (4.1 out of 5)

How does the balance transfer APR on the Citi Rewards+® Card compare? The Citi Rewards+® Card is an excellent choice for a balance transfer with a longer-than-average intro APR. Cardholders get a 0% intro APR for 15 months on Balance Transfers from account opening, followed by an 18.74% - 28.74% (Variable) APR.

Note that there are longer intro APR offers for balance transfers out there, but most of them come from credit cards that don’t earn rewards. That said, the Citi Double Cash® Card is a notable exception since it comes with a 0% intro APR for 18 months on Balance Transfers, followed by a 19.24% - 29.24% (Variable) APR.

Savings on a $6,000 balance transfer

Estimated savings
BankAmericard® credit card$1,180
U.S. Bank Visa® Platinum Card$1,161
Citi Double Cash® Card$1,162
Citi Rewards+® Card$1,086
Chase Freedom Unlimited®$1,082

*Based on LendingTree’s value methodology

0% purchase APR (3.8 out of 5)

How does the purchase APR on the Citi Rewards+® Card compare? Cardholders also get 0% intro APR for 15 months on Purchases from account opening, followed by a 18.74% - 28.74% (Variable) APR.

While this is also a longer-than-average intro APR, you’ll find that there are many cards that offer similar intro APRs and much better rewards.  As you can see from the chart below, the Citi Rewards+® Card ranks lower than these cards on overall savings once rewards are factored in:

Two-years savings (including interest savings and rewards earned)

Estimated savings*
Chase Freedom Flex℠$2,545
Citi Custom Cash® Card$2,282
Discover it® Cash Back$2,271
Citi Rewards+® Card$2,101

*Based on LendingTree’s value methodology

Other benefits (1 out of 5)

What other benefits does the Citi Rewards+® Card offer? While the Citi Rewards+® Card definitely has some redeeming qualities, it falls short when it comes to consumer protections and cardholder perks. This card doesn’t offer many of the benefits you’ll find with other rewards credit cards that don’t charge an annual fee. Notably, it doesn’t include purchase protection, extended warranties or travel insurance benefits.

  • Citi Entertainment®: Get special access to event tickets, including presale tickets and exclusive experiences.
  • 24/7 customer service: Citi customer support is available 24 hours a day, seven days a week.

| Disclosures
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
0% intro on purchases for 15 months
19.99% - 29.99% (Variable)
$0
1.25 Miles per dollar on every purchase, every day; 5 Miles per
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

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

  Verdict: A better option for maximizing rewards

The Capital One VentureOne Rewards Credit Card is a much better no-annual-fee rewards card that offers a high flat rate on every purchase. You’ll earn 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.

You can redeem rewards for statement credits to cover any travel purchase, as well as for gift cards, merchandise and other flexible options. You can also transfer miles (mostly at 1:1 ratio) to Capital One’s 15-plus hotel and airline partners, for a much better return than the Citi Rewards+® Card.

| Disclosures
Chase Freedom Unlimited®
Chase Freedom Unlimited®
apply-now-icon Apply Now
on Chase's secure site
0% Intro APR on Purchases for 15 months
20.49% – 29.24% Variable
$0
Enjoy 5% cash back on travel purchased through Chase Travel, our premier
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

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

  Verdict: One of the most rewarding cash back cards around

The Chase Freedom Unlimited® is one of the most rewarding no-annual-fee cash back cards around. You’ll earn 1.5% cash back on most purchases, plus bonus rewards on travel, dining and drugstore purchases.

This card comes with a 0% Intro APR on Purchases for 15 months and a 0% Intro APR on Balance Transfers for 15 months, followed by a 20.49% – 29.24% Variable APR. And on top of all that, you’ll also get a bevy of other benefits, like trip cancellation and interruption insurance, purchase protection, extended warranties and secondary auto rental coverage. All around, it’s a much more valuable option than the Citi Rewards+® Card.

| Disclosures
Citi Double Cash® Card
Citi Double Cash® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
19.24% - 29.24% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, 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).
600 660 720 850
Fair/Good/Excellent

How Does LendingTree Get Paid?

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

  Verdict: A better source of ThankYou points

Unlike the Citi Rewards+® Card, Citi Double Cash® Card offers up to 2% cash back on every purchase, with no limits. You’ll get 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. It also comes with a longer 0% intro APR for 18 months on Balance Transfers (followed by a 19.24% - 29.24% (Variable) APR).

Like the Citi Rewards+® Card, you can pool the rewards that you earn with the Citi Double Cash® Card with the Citi Strata Premier Card. It’s a superior choice if you’re trying to stack up points to transfer to outside loyalty programs.

Should you apply?

If you want to finance a new purchase or pay down a balance with 0% interest, the Citi Rewards+® Card is worth applying for. And if you’re a fan of Citi ThankYou points, it may be a good companion to your other Citi ThankYou cards. You can rack up bonus points on small purchases due to its round-up feature. However, everyone else may find it to be a middling card that falls short on rewards.

If you’re looking for a great all-around rewards credit card, you’ll find that there are much better no-annual-fee credit cards, including the Citi Double Cash® Card.

apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
The information related to the Wells Fargo Autograph Card, BankAmericard® credit card, U.S. Bank Visa® Platinum Card and Chase Freedom Flex℠ has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Frequently asked questions

The Citi Rewards+® Card requires Good/Excellent credit, so it’s more difficult to qualify for than some other rewards credit cards on the market today. If your credit score is below 670, you may want to consider credit cards for fair credit and bad credit instead.

Citi doesn’t list a minimum or maximum credit limit for this card. The credit limit you’re assigned can vary based on your credit score, your income and other factors.