Citi Rewards+ Card

CREDIT CARD

CITI REWARDS+

REWARDS CREDIT CARD POINTS No Annual Fee

SEE HOW TO APPLY You will remain on the current site

The Citi Rewards+ Card is a no-annual-fee credit card that offers multiple-point rewards for small purchases.

The card also offers a great sign-up bonus and an initial 0% APR offer. Read this article to find out if this is the right credit card for you.

Advantages of the Citi Rewards+ Card

1. ROUND-UP REWARDS: Every purchase made with the Citi Rewards+ Card rounds up to the nearest ten points. For example, if you buy a coffee for $3, you earn 10 points, maximizing your everyday spending into more significant rewards.
2. BONUS POINTS ON SMALL PURCHASES: This card is ideal for frequent small purchases. You automatically earn 2X points at supermarkets and gas stations for the first $6,000 per year and 1 point thereafter, enhancing regular spending.
3. 10% POINTS BACK: Upon redeeming points, cardholders receive 10% of them back on the first 100,000 points redeemed each year. This feature effectively increases the value of all points redeemed.
4. NO ANNUAL FEE: Enjoy the benefits of a rewards card without the burden of an annual fee. This makes it easier to maximize rewards without worrying about an extra cost offsetting them.
5. WELCOME OFFER: New cardholders can earn a welcome bonus after meeting initial spending requirements. This introductory offer can significantly boost your points balance right from the start.
6. FLEXIBLE REDEMPTION OPTIONS: Points can be redeemed for a variety of rewards, including gift cards, travel, shopping, and even to pay bills. This flexibility allows you to use your rewards in a way that best suits your needs.

Disadvantages of the Citi Rewards+ Card

1. FOREIGN TRANSACTION FEES: There is a fee for each transaction made outside the United States. This can be a significant drawback for those who travel internationally.
2. CAP ON BONUS CATEGORIES: The 2X points on supermarkets and gas stations are limited to the first $6,000 per year, which may not suffice for heavy spenders in these categories.
3. LOW BASE REWARDS RATE: Outside of the bonus categories, the card only offers 1 point per dollar spent, which is lower compared to other rewards cards on the market.
4. CREDIT REQUIREMENT: The Citi Rewards+ Card requires a good to excellent credit score for approval. This limitation may prevent some potential users from qualifying.

Why You Should Apply for the Citi Rewards+ Card

In today’s world, finding a credit card that aligns seamlessly with your spending habits and rewards you for your everyday purchases is crucial. The Citi Rewards+ Card does exactly that by not only offering generous rewards for small, frequent transactions but also by maximizing the points you earn through round-up rewards and providing a 10% rebate on redeemed points. With no annual fee, the barrier to entry is low, making it accessible to a broader audience who may not want to commit to a card with recurring costs.

Moreover, the flexibility in redemption options means that whether you’re looking to book your next getaway or simply reduce your monthly expenses by paying bills with points, you have the freedom to use your rewards in a way that most benefits you. The welcome bonus acts as a fast track to accumulating points, giving you a head start in leveraging the full potential of your card.

Whether you’re a savvy shopper, a regular commuter, or just someone who enjoys earning rewards effortlessly, the Citi Rewards+ Card caters to a diverse range of financial needs and lifestyles. Applying for this card could be a smart move towards optimizing your financial strategies and enjoying richer rewards.