Citi Rewards+® Card

Welcome Bonus

Earn 20,000 bonus points

after spending $1,500 within the first 3 months of account opening, redeemable for $200 in gift cards or travel rewards at

Annual Fee


Annual Rewards

2X Points

Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 spent per year. Earn 1 ThankYou® Point on all other purchases.

Rewards on Approval


Interest rates

Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

Citi Rewards+® Card

The Citi Rewards+® Card is a versatile rewards credit card designed to maximize benefits for everyday purchases. With a unique feature rounding up points on small transactions and a compelling rewards program, this card appeals to individuals seeking simplicity and value in their day-to-day spending.


  • Round-Up Feature: The unique points round-up feature boosts rewards on every purchase.
  • Versatile Redemption Options: Points can be redeemed for travel, gift cards, merchandise, or statement credits.
  • Welcome Bonus: New cardholders can earn a welcome bonus by meeting specified spending requirements.
  • Introductory APR: The card may offer a 0% APR on purchases and balance transfers for a limited time.
  • No Annual Fee: The Citi Rewards+® Card does not charge an annual fee, enhancing its cost-effectiveness.


  • Foreign Transaction Fee: Users should be aware of foreign transaction fees when using the card abroad.
  • Variable APR: The ongoing APR is variable and depends on creditworthiness.
  • Credit Requirements: A good to excellent credit score is typically required for approval.

Details & Eligibility

  • 800+
  • N/A
  • N/A
  • $0
  • N/A
  • Mastercard
  • No
  • 18.74%
  • 29.99%
  • 18.74%
  • N/A
  • N/A
  • N/A
1. Rewards Structure: The Citi Rewards+® Card operates on a points-based rewards system. Cardholders earn points on every purchase, with a notable feature of rounding up points to the nearest 10 on each transaction. This distinctive feature ensures that even minor purchases contribute meaningfully to the overall rewards balance. 2. Sign-Up Bonus: New cardholders often enjoy a welcome bonus after reaching a specified spending threshold within the initial months. This bonus injection provides an immediate boost to the rewards balance, making the card attractive for those looking to capitalize on early benefits. 3. Round-Up Feature: One of the card’s standout features is the round-up function. Every purchase is rounded up to the nearest 10 points, enhancing the efficiency of point accumulation. This is particularly advantageous for those who make frequent small transactions, turning everyday spending into valuable rewards. 4. Introductory APR: The Citi Rewards+® Card may offer an introductory period with a 0% APR on purchases and balance transfers. This feature can be beneficial for individuals looking to make significant purchases or transfer existing balances without incurring interest charges during the introductory period. 5. Points Redemption Options: Accumulated points can be redeemed for a variety of rewards, including travel, gift cards, merchandise, and statement credits. The flexibility in redemption options caters to different preferences, allowing cardholders to tailor their rewards to suit their needs.
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