The Citi Rewards+® Card is designed to cater to savvy consumers who prioritize maximizing their rewards on everyday purchases. With a generous introductory offer of 20,000 bonus points after qualifying purchases, equivalent to $200 in gift cards or travel rewards, it sets a compelling tone from the outset.

In an increasingly competitive credit card landscape, the Citi Rewards+® Card stands out by offering 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions booked through CitiTravel.com until 2025. Coupled with 2 ThankYou® Points per $1 spent at supermarkets and gas stations (up to $6,000 annually) and 1 point per $1 on all other purchases, this card ensures that every dollar spent translates into meaningful rewards.

Key information about the Citi Rewards+® card

The Citi Rewards+® Card offers a comprehensive rewards program designed to maximize benefits on everyday spending. Cardholders can earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions booked through CitiTravel.com until December 31, 2025, alongside 2 ThankYou® Points per $1 spent at supermarkets and gas stations (up to $6,000 annually), and 1 point per $1 on all other purchases.

How does the annual fee work?

The card does not have an annual fee, making it an attractive option for cardholders looking to maximize rewards without the burden of additional yearly costs. This fee waiver ensures that cardholders can enjoy the benefits of the card’s rewards program and features without any ongoing expense solely for holding the card.

How is the credit limit determined?

The credit limit for the Citi Rewards+® Card is determined based on several factors, primarily focusing on the applicant’s creditworthiness. When you apply for the card, bank evaluates your credit history, income level, existing debt obligations, and other financial factors to assess your ability to manage credit responsibly.

For applicants with stronger credit profiles and higher incomes, bank typically offers higher credit limits to accommodate larger purchasing power. Conversely, applicants with limited credit history or lower incomes may receive more conservative credit limits initially.

Credit card benefits 

• Generous rewards program: Earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions booked through CitiTravel.com until December 31, 2025, and 2 ThankYou® Points per $1 spent at supermarkets and gas stations (up to $6,000 annually).
• Introductory bonus: Receive 20,000 bonus points after spending $1,500 within the first 3 months of account opening, redeemable for $200 in gift cards or travel rewards at thankyou.com.
• Points rounding: Every purchase automatically rounds up to the nearest 10 points, enhancing points accumulation on all transactions, regardless of size.
• 10% points back on redemptions: Receive 10% of your points back on the first 100,000 points redeemed per year, increasing the value of your rewards.
• No annual fee: There is no annual fee for the Citi Rewards+® Card, providing cost savings for cardholders.
• Flexible redemption options: Enjoy versatile redemption options including gift cards, travel rewards, shopping with points at select retailers, and statement credits for recent purchases.

Round up feature

A standout benefit of the Citi Rewards+® Card is its innovative round up feature, which automatically enhances points accumulation on every purchase. For example, a $20 dining bill would earn 30 points instead of 20, showcasing how this feature amplifies rewards potential effortlessly.

Disadvantages

• Foreign transaction fees: The card charges a 3% fee on transactions made outside the United States, which can add up for frequent international travelers.
• Balance transfer fees: While the card offers introductory rates on balance transfers, there is a fee of 3% of each transfer ($5 minimum) completed within the first 4 months, which increases to 5% ($5 minimum) thereafter.
• Credit limit determination: Like most credit cards, the credit limit for the Citi Rewards+® Card is determined based on your creditworthiness, which may result in lower limits for individuals with limited credit history or lower incomes.

Foreign transaction fees

One notable disadvantage of the Citi Rewards+® Card is its foreign transaction fee, which may deter frequent travelers who spend internationally. This additional cost can diminish the card’s overall value for those who frequently use it outside of the United States.

Who can apply for this card?

To apply for the Citi Rewards+® Card, applicants must be at least 18 years old, residents of the United States, and possess a good to excellent credit history. They should demonstrate sufficient income to manage credit responsibly, with additional considerations given to factors like existing debt and employment status. Final approval is contingent upon meeting these criteria and Citi’s assessment of each applicant’s financial standing and creditworthiness.

How to apply for the Citi Rewards+® card

Via App

To apply for the Citi Rewards+® Card through the mobile app, follow these straightforward steps to ensure an efficient and hassle-free application process. First, make sure you have the official Citibank mobile app installed on your device, available for download from your smartphone’s app store.

Once installed and opened, navigate to the credit cards section or specifically search for the Citi Rewards+® Card among the featured products. Next, select the option to apply for the card. You will be prompted to provide personal information such as your full name, date of birth, Social Security number, and current address.

Make sure to have this information readily available to complete the application accurately. After filling out the required fields, review your application for accuracy and completeness. Ensure all information provided is correct before submitting your application electronically through the app.

Once submitted, Citibank will review your application, and you will receive a notification regarding the status of your application typically within a few business days. If approved, you can expect to receive your Citi Rewards+® Card in the mail within a specified timeframe, allowing you to start enjoying its benefits and rewards promptly.

Via WebSite

To apply for the Citi Rewards+® Card via the Citibank website, begin by visiting the official Citibank site and navigating to the credit cards section or directly searching for the Citi Rewards+® Card. Click on the card details or the “Apply Now” button to access the online application form.

Here, you’ll need to enter essential personal information such as your full name, date of birth, Social Security number, and current address. Ensure all details are accurate and complete. Additionally, provide information regarding your employment status, income, and monthly housing payment as part of the application process.

Once all required fields are filled out, review the application for accuracy before submitting it electronically through the website. Citibank will then process your application and notify you of the status typically within a few business days.

If approved, you will receive your Citi Rewards+® Card by mail within a specified timeframe. Upon receipt, follow the activation instructions to start using your card for purchases and earning rewards. This streamlined online application process ensures convenience and efficiency in obtaining the Citi Rewards+® Card through bank official website.