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Citi Rewards+® Card card

Citi Rewards+® Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

    Annual fee
    None
    Recommended credit
    Excellent / Good
    Card network
    Mastercard
    Intro purchase APR
    0% for 15 months from account opening date
    Apply Now for Citi Rewards+® Card (opens in a new tab)Compare this card
    Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

    At a glance

    The Citi Rewards+® Card serves up 0% introductory APR periods for purchases and balance transfers, as well as Citi’s established ThankYou® Points system. Where it truly stands out, though, is in its novel points rounding feature.

    Our review of the Citi Rewards+® Card

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    Card features

    Benefits as listed on the original card page. They can change; confirm details with the issuer.

    • Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Plus, for a limited time, earn 5 ThankYou(R) Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024
    • 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 18.49% - 28.49%, 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

    Who this card may suit

    • You're looking for a rewards credit card with no annual fee
    • You frequently use a credit card to shop at supermarkets and gas stations
    • You make frequent, small purchases with your credit card
    • You're looking to make a significant purchase that will require monthly payments
    • You're looking to transfer an existing balance and pay less on interest

    Rates, fees and terms

    Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
    Annual FeeNone
    Intro Purchase APR0% for 15 months from account opening date
    Regular Purchase APR18.49% - 28.49% (Variable)
    Intro Balance Transfer APR0% for 15 months on transfers made within 4 months from account opening date
    Balance Transfer APR18.49% - 28.49% (Variable)
    Balance Transfer Transaction FeeEither $5 or 3% of the amount of each transfer, whichever is greater
    Cash Advance APR29.99% (Variable)
    Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
    Foreign Transaction Fee3% of the transaction amount in U.S. dollars
    Penalty APRUp to 29.99% variable based on creditworthiness and the Prime Rate
    Late Payment Penalty FeeUp to $41
    Return Payment Penalty FeeUp to $41

    Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

    Apply Now for Citi Rewards+® Card (opens in a new tab)View issuer terms for Citi Rewards+® Card (opens in a new tab)

    Citi Rewards+® Card

    Apply Now for Citi Rewards+® Card (opens in a new tab)

    You will leave this site for the issuer’s page. Confirm current terms there.

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