Citi Rewards+℠ Card

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  • Introducing the New Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 20,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Annual Fee:
$0
Purchase Intro APR:
0%
(15 Months)
Purchase Regular APR:
15.74% - 25.74%*
Variable
Balance Transfer Intro APR:
0%
(15 Months)
Balance Transfer Regular APR:
15.74% - 25.74%*
Variable

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 27.49%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee Up to $39
Penalty APR Up to 29.99%* Variable
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $39

Rewards

Welcome Bonus

Earn 20,000 points after you spend $1,000 in the first 3 months.

All Purchases

1 point per dollar

No cap on spending

Gas

2 points per dollar

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year

Groceries

2 points per dollar

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
cityview12345
Great Card...
by cityview12345
Helpful to 55 out of 57

I had this card for a while. Perks are not great but it has 100% fraud protection and you can lock it if lost or stolen with app. Credit line increase is none excistence. Discover gives better perks and big credit increases.

Overall is a great card for daily use and travel. Their app and system is getting better.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Cairo1956
by Cairo1956
Helpful to 173 out of 183

Citicard is just about the worst company I dealt with and I do not recommend it to anyone if you want to avoid problems. They offered me a card, I accepted, they funded the card, and 3 weeks later they closed it without my knowledge and added a remark on my credit report "closed by Credit Grantor". This caused my credit score to plumit by 61 points, although this was due to a "Bank Error"  by their own admission. They claimed they did not have a copy of my Social Security # and address. Hard to believe since they have already accepted me and issued the card. Never the less, I sent them my SS# and address through Citi Bank Branch in Selma California. They acknowledged receiving the information on time, but they failed to process it, and ending up closing my account. My score dropped by 61 points as a result of their negligence. I have been trying to work with them over the past 8 months, and they never did fix it. They caused my blood presure to rise, and wasted so much of my time, and still they did not resolve it.


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‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from November 2018 through April 2019. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

 
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