Are you searching for a credit card that surpasses mere rewards for your everyday purchases, offering exclusive perks and benefits? Your quest ends with the Citi Rewards+® Card.

With a compelling rewards program, attractive introductory offers, and a diverse array of benefits, this card might just be the perfect addition to your wallet. Let’s delve deeper into the details to determine if it seamlessly aligns with your needs and lifestyle.

Key information about the Citi Rewards Card

The Citi Rewards+® Card aims to elevate your shopping experience by providing rewards on all purchases. Upon approval, enjoy the perk of earning 20,000 bonus points by making qualifying purchases within the first three months of opening your account.

These points equate to $200 in gift cards or travel rewards redeemable at thankyou.com. Furthermore, there’s no annual fee, ensuring it remains a wallet-friendly choice for cardholders.

Qualification requirements

To qualify for the Citi Rewards+® Card, applicants must meet Citibank’s standard criteria, typically including minimum credit score and income thresholds. Additionally, a good credit history significantly enhances approval chances. Fulfilling these requirements ensures a smoother application process and increases the likelihood of securing this rewarding card.

Benefits

Pros

One of the standout features of the Citi Rewards+® Card is its generous rewards program:

• Earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions booked through CitiTravel.com until December 31, 2025.
• Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 per year, and 1 point per $1 spent thereafter.
• Earn 1 ThankYou® Point per $1 spent on all other purchases.
• Round up to the nearest 10 points on every purchase, allowing you to accumulate points faster.
• Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year.

Moreover, the card offers a low introductory APR of 0% for 15 months on purchases and balance transfers, followed by a variable APR based on your creditworthiness. This introductory offer provides cardholders with flexibility and savings on interest charges.

Cons

While the Citi Rewards+® Card offers numerous benefits, it’s essential to consider potential drawbacks:

• Foreign transaction fee: A fee of 3% applies to each purchase transaction made in foreign currencies, which could increase the cost of international purchases.
• Balance transfer fee: Although there’s an introductory fee of 3% on balance transfers completed within the first 4 months, subsequent transfers incur a fee of 5%.
• Creditworthiness requirement: Qualifying for the most favorable APR and credit limit depends on your creditworthiness, which may vary among applicants.

How to apply

Securing the Citi Rewards+® Card is hassle-free and straightforward. You can conveniently apply online via the official Citibank website or opt for in-person assistance at a nearby branch.

Prior to initiating the application, gather essential personal and financial details to streamline the process. This ensures a seamless application experience, whether you choose the online route or visit a physical branch.

Is the card worth it?

The Citi Rewards+® Card presents an enticing option for those seeking a rewards credit card without annual fees. Its impressive rewards program, featuring bonus points on specific purchases and the innovative round-up feature, enhances the value of everyday expenses.

Moreover, the introductory APR offer on both purchases and balance transfers adds to its appeal, particularly beneficial for individuals considering substantial purchases or seeking to consolidate debt. With its array of benefits and cost-saving perks, this card stands out as a rewarding option for savvy consumers.

Prospective cardholders should carefully weigh the benefits against potential drawbacks like foreign transaction fees and creditworthiness requirements. Evaluating their spending habits and financial goals empowers individuals to determine if the Citi Rewards+® Card aligns with their needs and preferences.

While its rewards program and introductory offers may be enticing, it’s crucial to consider associated fees and eligibility criteria. By conducting a thorough assessment, applicants can make an informed decision that maximizes the benefits of the card while aligning with their financial circumstances.

In conclusion, for frequent shoppers and travelers looking to maximize rewards without paying an annual fee, the Citi Rewards+® Card could be a valuable addition to their wallet.