Citi Rewards+® Card

Citi Rewards+® Card
  • 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
  • For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter
  • 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 14.24% - 24.24%, 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)
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • 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 14.24% - 24.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion

Nav's Verdict

Cost
50% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
60% Complete
PoorGood
Features
50% Complete
PoorGood

8/10

Bottom Line

A great card offering no annual fee, intro APRs on both purchases and balance transfers, and generous rewards on spending.

Pros

Automatic rounding on purchases. Generous rewards structure and intro APR offer.

Cons

Depending on your credit, the purchase APR may be a bit high.

Intro APR
0% for 15 months on Purchases and Balance Transfers
Purchase APR
14.24% - 24.24% (Variable)
Annual Fee
$0
Foreign Transaction Fee
3%

Reviews

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