The Citi Rewards+® credit card helps low spenders make the most of their purchases and have a simple application process. They offer 5X points per dollar at restaurants up to $6,000 in the first 12 months.

After the first 12 months, you still earn 2X points per dollar for the first $6,000 you spend annually. Once you surpass that value, you will earn 1X points for every dollar you spend.

Ready to get your Citi Rewards+® credit card? Below we have prepared a step-by-step guide for you on the Citi Rewards+® application. Keep reading, and let’s get you this card.

Go to Citi’s website and locate the “Credit Cards” option. On your desktop computer, you can find it at the top left corner of the page. Run your mouse over it to reveal a dropdown menu and click on “Rewards Credit Cards”.

On your mobile phone, it will be inside the three-line menu at the top left corner of your screen. Click the menu to reveal the options, and then click on “Rewards Credit Cards”.

Now scroll down to find the Citi Rewards+® credit card to start your application process. Click on “Learn More & Apply”. This will take you to the information page, where you can see everything this product offers.

Now, click on “Apply Now” to start the application process. The website will take you to their application page, where you must first enter your personal information.

After filling those in, scroll down and fill in your address, phone, and email. These will be the issuer’s communication channels with you.

You also have the option of providing a P.O. box address and a home phone number.

Further below, enter your financial information, including total income and monthly mortgage or rent. You may also add an authorized user to this account if you wish to do so.

Scroll down a little bit more and create a security word. A little bit further below, you will find the terms and conditions to which you must agree if you decide to get this card.

Don’t forget to check the last two boxes below the terms and conditions to confirm you agree with them. Then hit “Agree and Submit,” and you are done!

Another great way of capitalizing on small purchases is through cash back. With that in mind, we have prepared a review of the Discover it® Cash Back card.

With this card, you will earn 5% cash back on daily expenses each quarter and in rotating categories up to $1,500. Sounds interesting? Then click the link below and check it out!