Citi Reward+ Credit Card Review | CompareCredit

Citi Rewards+℠ Card Review

By Thomas Donaldson

Citi Rewards+ Card

(247 reviews)

  • 0% for 15 months on purchases and balance transfers
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening
  • 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.
  • $0
  • Excellent
Product Details
  • Click "APPLY NOW" to apply online
  • The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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.

Our Expert Review

Why We Like It


Offer Rating

4/ 5

By Our Editorial Team

Key Benefit

The card that gives you more by rounding up to the nearest 10 points on every purchase

Editor

The Citi Rewards+℠ Card is the newest offer from Citi and comes with lots of generous perks and 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. Unlike many rewards credit cards the Citi Rewards+℠ Card comes with no annual fee.

To kickstart your rewards earning, new cardmembers receive a nice sign up bonus: Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. This card also comes with a unique twist to help you earn even more points – the Citi Rewards+℠ Card rounds up to the nearest 10 points on every purchase - with no cap.

In addition the points you earn on purchases this card comes with an intro APR of 0% for 15 months on purchases and balance transfers. After that, the variable APR will be 13.49% - 23.49% (Variable), based on your creditworthiness. That lengthy intro period can really come in handy if you need to finance a big purchase or pay off a balance from another credit card.

Pros & Cons

Pros

  • The unique round up feature helps stretch your spending even further
  • Lengthy 0% intro APR on both purchases and balance transfers
  • Pay no annual fee while you earn rewards on purchases

Cons

  • There is a yearly cap on the amount of bonus points you can earn
  • Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
  • There is a 3% foreign transaction fee

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