Citi Rewards+® Card

Citi Credit Cards is an Experian Partner

Citi Rewards+® Card logo.

Citi Rewards+® Card

Rated 4.59 out of 5 stars, 292 reviews

Recommended FICO® ScoreΘ

Good - Exceptional

Annual Fee:

$0

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

18.24% - 28.24% (Variable)

Ongoing Balance Transfer APR:

18.24% - 28.24% (Variable)

Intro 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.

  • 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 18.24% - 28.24%, 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
  • Rewards are rounded up to the nearest 10 points on all purchases

  • No annual fee

  • Increased rewards rate on spending at U.S. gas stations and supermarkets

  • Generous intro bonus

  • Lengthy 0% APR intro period on purchases and balance transfers

  • Low base rewards rate

  • Foreign transaction fee

  • Earnings in bonus rewards category are capped annually

See all Citi Credit Cards‘ offers

Review Snapshot

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ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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