The Citi Rewards+® card distinguishes itself as a flexible and adaptable credit card choice, providing a plethora of advantages finely tuned to cater to the demands of daily expenditure. Whether it’s your routine grocery shopping, fueling up at the gas station, or indulging in occasional treats, this card is meticulously crafted to optimize rewards and streamline transactions for a myriad of everyday purchases.

Its stellar reputation, reflected in an impressive average rating of 4.6 stars from an extensive pool of over 5,000 reviews, underscores the trust and allegiance it has garnered from a broad spectrum of users. This widespread acclaim attests to its reliability, efficacy, and ability to deliver tangible benefits that resonate with diverse consumer needs and preferences.

Key information about the Citi Rewards+® card

The Citi Rewards+® card is a highly versatile credit card option that offers a host of benefits tailored to everyday spending. With this card, users can earn 20,000 bonus points after qualifying purchases, along with additional perks such as a special travel offer that allows them to earn 5X ThankYou® Points per dollar spent on hotel bookings, car rentals, and attractions through December 31, 2025.

Additionally, cardholders can earn 2 ThankYou® Points per dollar spent at supermarkets and gas stations for the first $6,000 spent per year, and 1 ThankYou® Point on all other purchases. This comprehensive rewards structure ensures that users can maximize their points accumulation across various spending categories.

Moreover, the Citi Rewards+® Card stands out for its attractive fee structure, as it does not have an annual fee. This feature makes it particularly appealing for individuals looking to maximize benefits without incurring additional costs.

Furthermore, the card offers a low introductory APR on purchases and balance transfers, providing users with added flexibility and savings opportunities. With its competitive rewards program and favorable fee structure, the Citi Rewards+® card is designed to meet the diverse needs of modern consumers seeking value and convenience in their credit card experience.

In addition to its rewards and fee structure, the Citi Rewards+® card offers various other benefits, including a unique round-up feature that automatically rounds up points on every purchase to the nearest 10 points. This innovative feature ensures that users can quickly accumulate points, even on small transactions, enhancing the overall rewards potential of the card.

Moreover, cardholders can enjoy the convenience of digital wallets and contactless payments, enabling seamless and secure transactions both online and in-store. With its array of benefits and features, the Citi Rewards+® card provides users with a comprehensive and rewarding credit card experience.

How does the annual fee work?

One notable advantage of the Citi Rewards+® card is its lack of an annual fee, which sets it apart from many other credit cards in the market. The absence of an annual fee translates to significant cost savings for cardholders over time, allowing them to allocate their financial resources more efficiently.

By eliminating the burden of recurring fees, the Citi Rewards+® card becomes an even more appealing option for individuals who are mindful of their finances and seek to minimize unnecessary expenses. Moreover, the absence of an annual fee enhances the card’s overall value proposition, making it an attractive choice for those looking to maximize benefits without the worry of incurring additional charges. 

How is the credit limit determined?

The credit limit for the Citi Rewards+® card is determined through a thorough assessment of the applicant’s creditworthiness, a process that varies depending on the type of card being applied for. For conventional credit cards, such as the Citi Rewards+® card, financial institutions like Citibank evaluate several key factors to determine the appropriate credit limit for each applicant.

These factors typically include the individual’s credit history, which provides insight into their past credit behavior and ability to manage debt responsibly. 

Credit card benefits 

• Reward points: Earn points on everyday purchases, including a generous bonus for qualifying spending.
• Special travel offer: Enjoy enhanced rewards for travel-related expenses, including hotels, car rentals, and attractions.
• No annual fee: Benefit from cost savings with no annual fee requirement.
• Flexible redemption options: Redeem points for a variety of rewards, including gift cards, merchandise, and travel expenses.
• Round-up feature: Automatically round up points on every purchase, providing accelerated rewards accumulation.
• Points back: Receive 10% points back when redeeming points, up to the first 100,000 points redeemed per year.

Reward program

The standout feature of the Citi Rewards+® card is its comprehensive reward program. With the ability to earn points on various spending categories and a generous bonus point offer, cardholders can quickly accumulate rewards for redemption.

Disadvantages

• Limited travel redemption options: While the card offers enhanced rewards for travel-related expenses, redemption options may be limited compared to other travel-focused cards. Cardholders may find restrictions on available airlines, hotels, or destinations when redeeming their points for travel rewards.
• Foreign transaction fees: Transactions made in foreign currencies may incur additional fees, impacting the overall value for international travelers. These fees can add up quickly, particularly for frequent travelers or individuals who make purchases from international merchants.
• Balance transfer fees: While the card offers a low introductory APR on balance transfers, there are associated fees for transferring balances from other credit cards. These fees can vary but may offset some of the potential savings from the introductory APR offer.

Limited travel redemption options

Despite its advantageous travel rewards program, the Citi Rewards+® card may have limitations in terms of redemption options for travel-related expenses. This could potentially restrict flexibility for cardholders seeking diverse travel benefits.

Who can apply for this card?

To apply for the Citi Rewards+® card, applicants must meet certain criteria, including a minimum age requirement, minimum income threshold, and satisfactory credit history. Additionally, approval is subject to creditworthiness assessment and other relevant factors.

How to apply for the Citi Rewards+® card

Via WebSite

The process of applying for the Citi Rewards+® card online through the website is straightforward and user-friendly. First and foremost, individuals interested in obtaining the card should navigate to the official Citibank website and locate the section dedicated to credit cards.

Once there, they can find the Citi Rewards+® card among the list of available options and select it to access further details. After reviewing the card’s features and ensuring it aligns with their preferences and financial needs, applicants can initiate the application process by clicking on the designated “Apply Now” button.

This action will prompt them to fill out an online application form, where they will be required to provide personal information such as their full name, contact details, social security number, annual income, and employment status. Additionally, applicants may need to furnish details regarding their housing status, monthly housing payment, and existing banking relationships.

They may also be asked to consent to a credit check, which will be used to assess their creditworthiness and determine eligibility for the card. Once all required information is provided and the application is submitted, applicants will typically receive an instant decision regarding their approval status.

If approved, applicants can expect to receive their Citi Rewards+® card by mail within a few business days. Upon receipt, they will need to activate the card as per the instructions provided and can then begin using it to make purchases and accrue rewards. Overall, the online application process offers a convenient and efficient way for individuals to apply for the Citi Rewards+® card from the comfort of their own homes.

In-Branch

Applying for the Citi Rewards+® card through a Citibank branch offers a personalized and hands-on approach to obtaining the card. Individuals interested in applying for the card can visit their nearest Citibank branch during operating hours to speak with a banking representative.

Upon arrival at the branch, applicants will be greeted by a customer service representative or a banking officer who will assist them throughout the application process. The representative will begin by discussing the features and benefits of the Citi Rewards+® card, ensuring that it meets the applicant’s financial goals and preferences.

Next, the applicant will be guided through the completion of the necessary paperwork required for the application. This typically involves filling out an application form with personal information, including full name, address, social security number, employment details, and annual income. The applicant may also need to provide documentation to verify their identity and income, such as a driver’s license, passport, or recent pay stubs.

Once the application form is completed and all required documentation is provided, the banking representative will submit the application on behalf of the applicant. The application will then undergo a review process, during which Citibank will assess the applicant’s creditworthiness and eligibility for the card.

After the review process is complete, the applicant will typically receive a decision regarding their application status within a few business days. If approved, the applicant will be notified and can expect to receive their Citi Rewards+® card by mail at the address provided during the application process.

Upon receipt of the card, the applicant will need to activate it as per the instructions provided and can then begin using it to make purchases and earn rewards. Overall, the application process through a Citibank branch offers a personalized and hands-on experience for individuals seeking to obtain the Citi Rewards+® card.