Citi Rewards+ Card Review

Rewards are rounded up to the nearest 10 points for every eligible purchase made with the Citi Rewards+® Card. This card offers a regular rewards rate of 2X ThankYou points at supermarkets and gas stations and provides a round-up feature that allows you to earn even more on your day-to-day spending. With a cap of $6,000 per year in purchases, you can earn 1X points on all other eligible purchases. Make the most out of your spending with the Citi Rewards+® Card.

Quick Highlights of Citi Rewards+ Card

Earn 20,000 bonus points after spending $1,500 in purchases within the first three months of account opening.
Redeem bonus points for $200 in gift cards on thankyou.com.
This is a limited-time offer: Earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through June 30, 2024.
Enjoy a 0% introductory APR on balance transfers for 15 months from the date of your first transfer and on purchases from the date of account opening. After that, your variable APR will be 18.74%—28.74%, based on your creditworthiness.
The intrinsic balance transfer fee is 3% of each transfer (minimum $5) within the first four months of account opening, followed by 5% (minimum $5).
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year, then 1X points afterward.
Earn 1X ThankYou® Points on all other purchases.
There is automatic rounding up to the nearest 10 points on every purchase with no cap—only with the Citi Rewards+® Card.
No annual fee.

Rewards

5X ThankYou® Points per $1 spent on hotel, car rentals, and attractions booked on the Citi Travel portal through June 30, 2024.
You will receive 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and 1X Points thereafter.
1X ThankYou® Points on All Other Purchases.

Redeeming Rewards with the Citi Rewards+ Card

The Citi Rewards+ Card offers several ways to redeem your ThankYou® points and some unique features that can help you maximize your rewards.

Welcome Offer Bonus: Citi recently updated the welcome offer to 20,000 bonus points after spending $1,500 as a cardholder in your first three months. These points can be redeemed for $200 gift cards at thankyou.com. While this is slightly lower than the previous offer, it remains a substantial value for a card with no annual fee.

Bonus for Redeeming ThankYou Points: A unique perk of the Citi Rewards+® Card is the 10% points back bonus on redeemed ThankYou® points. This applies to up to 100,000 points redeemed each year. For example, if you spend $1,325 monthly on your card and redeem all your points annually, you will earn an additional 2,200 points through this bonus program.

Rates and Fee

Intro offer: 20,000 points
Annual fee: $0
Regular APR: 18.74% – 28.74% variable
Recommended credit: 670-850 (Good to Excellent)
Intro Purchase APR: 0% intro for 15 months on Purchases
Intro Balance Transfers: APR0% intro for 15 months on Balance Transfers

Benefits of the Citi Rewards+ Card

Access to Citi Entertainment: With the Citi Rewards+ Card, cardholders can enjoy special access to tickets for popular concerts, sporting events, and dining events. This includes pre-sale options so you can secure your spot before anyone else.
Contactless pay: This card’s chip-enabled feature allows for contactless payment, providing more security and convenience when making purchases.
Access to Citi Merchant Offers: The Citi Rewards+ Card allows you to take advantage of Citi Merchant Offers. These are card-linked deals that offer cash-back on select purchases made with your Citi consumer card. Thus, you can save money while earning rewards on your purchases.

Applying for and Getting Approved for the Citi Rewards+ Card

Eligibility Criteria

To apply for the Citi Rewards+ Card, you’ll need to meet some basic eligibility requirements:

Age: Be at least 18 years old.
Residence: You must have a valid Social Security number or Individual Taxpayer Identification Number (ITIN) and a U.S. address.
Credit History: While Citi doesn’t publicly state a minimum credit score requirement for the Citi Rewards+ Card, generally good credit (typically a score of 670 or higher) is recommended for approval.

Application Process

You can apply for the Citi Rewards+ Card online through Citi’s website. The application process typically involves providing your personal information, income details, and employment history. Citi may also request a credit check to assess your eligibility.

Approval Process

Once you submit your application, Citi will review your information and creditworthiness. They will likely consider factors such as your credit score, income, debt-to-income ratio, and credit history. Approval decisions can be immediate or may take a few days. Citi may request further information from you if needed.

Customer Service

Helpline Number: 1-800-950-5114
Official Website: Citi Bank

Customer Service of Citi Rewards+ Card

Our customer service representatives can assist you 24 hours a day, seven days a week. If you have any questions or concerns regarding your Citi Rewards+ Card, our team is always ready to help. You can reach us through multiple channels such as phone, email, or live chat. We understand that unexpected issues may arise at any time, so we are dedicated to providing excellent support whenever needed.

Who is the Citi Rewards+ Card suitable for?

The Citi Rewards+ Card is ideal for individuals with a premium card like the Citi Premier® Card. With the ability to combine points earned from both cards and transfer them to various airline and hotel partners, this card offers more valuable redemption options beyond just gift cards. It is also beneficial for those looking to earn Citi ThankYou points without paying an annual fee, as the 10% points rebate and rounding feature sets it apart from other no-fee Citi cards.

Who should avoid getting the Citi Rewards+ Card?

There may be better choices for someone seeking a single all-in-one card than the Citi Rewards+ Card. While it can be a valuable addition to other Citi cards, it may need to offer more benefits. Additionally, those needing a card for international travel should consider alternative options, as the Citi Rewards+ Card charges foreign transaction fees. Overall, this card is most suitable for individuals with a premium Citi card and looking for additional ways to earn and redeem points without paying an annual fee. It may not be the best fit for those prioritizing travel benefits or seeking a primary credit card.

Final Thoughts

In conclusion, the Citi Rewards+ Card offers compelling rewards and features for those seeking a no-annual-fee credit card. The welcome offer of 20,000 points remains attractive, while the ongoing bonus categories at supermarkets and gas stations can help with everyday spending. Unique features like point rounding and the bonus on redeemed points add value to the program. However, it’s essential to consider the card’s lower baseline rewards rate compared to some competitors and the potential for higher redemption values with travel partners offered by other cards. The Citi Rewards+® Card is a solid option for those who prioritize convenience and flexibility in their rewards program, with no annual fee.

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Frequently Asked Questions (FAQs) Citi Rewards+Card

Is the Citi Rewards Plus card hard to get?

It may be challenging to qualify for a Citibank credit card, as most cards require a good to excellent credit score of 700 or higher.

Is Citi Rewards a sound credit card?

The Citi Rewards+® Card is a no-annual-fee solid option. It offers 2X rewards on supermarket and gas station purchases. It also has features such as a welcome bonus, annual redemption bonus, and rewards round-up.

What is Citi Plus' minimum balance?

The minimum monthly TRB balance for Citi Plus is S$15,000, but customers can still have the S$15 account service fee waived through the Citi Plus Total Relationship Balance Waiver Promotion.

How does Citi Plus work?

Citi Plus offers a comprehensive range of banking services in an integrated digital experience to help customers grow their wealth.

Is there a separate fee for Citi Plus?

Citi Plus has no separate fee, but customers must meet the minimum monthly TRB balance or have it waived through the promotion.

6.2Expert Score

Rewards

The Citi Rewards+ Card offers a unique combination of rewards programs to help you maximize your points on everyday purchases. You'll earn 2X ThankYou® points at supermarkets and gas stations up to $6,000 spent annually and 1X point on all other eligible purchases. But the real perk is the automatic round-up feature, which bumps every purchase total to the nearest 10 points. You'll constantly be squeezing out extra rewards, even on tiny purchases.

Rewards Rating

7.8

Rewards Value

7.2

Annual Percentage Rate

Rewards Flexibility

Features

Issuer Customer Experience

PROS

The Citi Rewards+® Card offers an introductory APR on purchases, making it an excellent option for financing large purchases.
This card allows you to accumulate rewards at your own pace. The number of points you can earn is unlimited, and points never expire as long as your account remains active.
Points earned with this card do not expire, giving you the flexibility to save up for more significant rewards.
Unlike other cards, there are no blackout dates when redeeming points for travel, making it easier to plan your trips.
There is no limit on how many points you can earn with this card, allowing you to maximize your rewards potential.
This card offers various redemption options, including gift cards, travel, merchandise, and more.
With the Citi Rewards+® Card, you can even use your points to shop on Amazon.

CONS

While the card's round-up feature is a unique benefit, the base rewards rate may be less competitive than that of other no-annual-fee cards.
Point value may be lower than expected when redeemed for n,on-travel, or gift card purchases.
Redemption options are limited to the ThankYou Travel Portal, which may only sometimes have the best deals.
If you're looking for maximum value, this card only offers high redemption values on gift cards and travel purchases.

Specification: Citi Rewards+ Card Review

Best For:	Everyday use
Recommended Credit	Good to Excellent (670 – 850)
Intro Offer:	20,000 points
Rewards	Earn 1X ThankYou Points on All Other Purchases., Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
Annual Fee:	No Annual Fee
Regular APR:	18.74% – 28.74% variable
Intro Balance Transfers APR:	0% intro for 15 months on Balance Transfers
Intro Purchase APR:	0% intro for 15 months on Purchases
Intro Purchase APR Period:	15 Months
Balance Transfers Fee:	Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign Transaction Fee	3% of each purchase transaction in U.S. Dollars.
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment Fee:	Up to $41
Cash Equivalent Fee	N/A
Convenience Check Fee	N/A
Returned Payment Fee:	Up to $41
Over Limit Fee:	N/A
ExtendPay Fee	N/A
Credit Card Limit:	$1,000 to $15,000 or more
Credit Card Type	Everyday Use
Credit Card Features	Access to presale tickets and VIP experiences with Citi Private Pass, Extand Warranty

Citi Rewards+ Card Review