Credit Cards

Citi Rewards+® review: 0% intro APR and welcome bonus

With the Citi Rewards+® credit card you can earn 20,000 bonus points, 5X ThankYou Points for the first 12 months and 2X thereafter.

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by Danilo Pereira

09/18/2022 | Updated on 12/13/2022

Earn 5X ThankYou Points for the first 12 months and 2X thereafter with this credit card

Citi Rewards+® credit card
The Citi Rewards+® credit card has excellent rewards rates. Source: The Post New.

The Citi Rewards+® is an attractive option for low spenders who make small purchases on a regular basis. Read this Citi Rewards+® review to see how it performs. It does not offer incredible rewards, but you may still reap good benefits from it.

  • Credit Score: Good – Excellent
  • APR: 15.74%-25.74% Variable APR
  • Annual Fee: $0
  • Fees: 3% foreign transaction fee, 5% or $5 ongoing balance transfer fee (whichever is greater)
  • Welcome bonus: N/A
  • Rewards: 20,000 bonus points after spending $1,500 within the first 3 months from account opening, 5X points per dollar at restaurants up to $6,000 in the first 12 months (2X points per dollar thereafter)
Citi Rewards+® credit card

How to get your Citi Rewards+® credit card

Apply for the Citi Rewards+® credit card and Earn a welcome bonus of 20,000 points. Make the most off of small purchases!

With this card, you get the chance to earn 20,000 points after spending $1,500 within the first three months of opening your account.

Citi Rewards+® credit card: how does it work?

The Citi Rewards+® credit card is ideal for modest spenders. It’s unique “round up” offer can turn small purchases into profitable ones. 

This card offers you an interesting “points back” program. With it, you get 10% points back for the first 100,000 ThankYou Points that you redeem per year.

Points are redeemable for travel and gift cards. The card also has purchase categories that allow you to redeem your points for statement credits.

Shopping online at eligible merchants is also possible using your points. Just use the “Shop With Points” option, and keep in mind point values may vary quite a bit depending on your redemption choice.

To put things into perspective, gift cards, in general, redeem at once cent per point. However, if you redeem them at Amazon.com, they may be worth only 0.8 cents each.

Statement credits yield even less, with a value of 0.5 cents per point. Transferring points to JetBlue’s TrueBlue loyalty program will net you 800 JetBlue points for every 1,000 ThankYou points.

Significant benefits and disadvantages of the Citi Rewards+®

Product package boxes and shopping bag in cart with laptop computer which web store shop on screen for online shopping and delivery concept
Use your Citi ThankYou Points for online shopping. Source: Freepik.

Now that you know the basics of the Citi Rewards+® credit card with this review, it’s time to put the pros and cons side by side.

Have a look at the section below and decide which factor carries the highest degree of importance for you.

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Benefits

  • $0 annual fee
  • 0% intro APR period
  • It rounds up purchases to the nearest 10 rewards points
  • 10% points bonus for the first 100,000 points you redeem in the year

Disadvantages

  • High ongoing balance transfer fee
  • Foreign transaction fee
  • Creditworthiness affects ongoing APR
  • $6,000 annual spending cap on 2X points

Is a good credit score required for applicants?

The Citi Rewards+® credit card requires Good to Excellent credit for applicants to qualify. This means a credit score of 670 or superior. Make sure you qualify by checking your credit score before applying.

Learn how to apply and get a Citi Rewards+® credit card

Does the Citi Rewards+® credit card sound like an interesting card for your spending habit? If so, check out the link below to learn how to apply for it. 

Citi Rewards+® credit card

How to get your Citi Rewards+® credit card

Apply for the Citi Rewards+® credit card and Earn a welcome bonus of 20,000 points. Make the most off of small purchases!

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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