I was going to use this card for a balance transfer and consolidate my bills (which aren’t much, just trying to up my score even more due to the process of buying a house). The perks were amazing in my opinion. I pulled the trigger with the application process after I had an outstanding chance of being approved. I completed application over the phone, lady told me I was only approved for $500.. I had 2 little loans out and a small balance on another card AND my credit score is an 800, $500 dollar line of credit. I won’t shut my card down as it will hurt my score but I will let them close it out for not using it.

So I have about 6 credit cards, that all have a zero balance, yes I know the industry game. Well my credit score on all three of the crappy factions (Equifax, Transunion, and Experian) are over 715, yet I wasn't approved?!?!? ROFL, well if you are trying to cite my decision based on something from 7+ years ago, I don't want you card anyways, and this now will probably go on my report negatively and drop me a few points. Trade secret- if you don't have the money for it, don't buy it, don't give into these companies and stop believing the "suggestions" from Credit Karma!

I had the card for about a year till one day without a warning they closed my account, no email, no phone call, just closed I’d, my credit score went down and they said that they closed it due to inactivity, which was literally a few months after I paid the card off

I applied for the rewards card and was approved. Used it once and paid it off right away. My dog got sick and needed surgery so I used it for that and it was 800 dollars. I waited for a bill and waited for a bill. I checked the site and it said no payment due. I checked today it said it was due 4 days ago and I still have not received a paper bill which is on my account or an email notification. I paid off the entire bill and have no intention of using it again for anything. They apologized when I called but I suspect this happens regularly so I won't be trusting this company again. Customer service is a nightmare with this company. The automated system is horrifying and keeps you going around in a loop forever trying to get a real human being and when you do its a foreign customer service call center. I really have nothing good to say about them.

Approved for a $1,500 CL; 690 TU/663 EQ score; one paid-off delinquency; somewhat limited credit history. My CK approval odds were listed as poor, but I had received 2 or 3 pre-approvals in the mail, so I finally pulled the trigger on the application and was approved instantly. Despite its rather pedestrian 2x points earned at supermarkets & gas stations, and 1x everywhere else, the Citi Rewards+ offers unique accrual mechanics that set it apart from the traditional "everyday card." Its Round Up feature means something like a $41 purchase could net you 50 points, or 100 points if at a supermarket or gas station. Similarly, anything >$10 is automatically rounded up to 10, which is especially enticing for customers like myself who frequently use a credit card to get rewarded for those small daily purchases like morning coffee. Plus, 10% of all points redeemed will be returned back to your rewards balance, so not only do points accrue rapidly, but they also go further... sort of. The allure of the Rewards+ card is marred by its lackluster redemption options. Even with its rather attainable introductory bonus of 20,000 points after $1,500 in purchases in the first 3 months, I find myself disappointed while trying to pick the fruit of my labor. There is a discouraging lack of partners in which points transfer to at a 1:1 value. You can use points to shop online at retailers such as Amazon, but each point is only worth .8 of a cent; similarly, using points towards a statement credit or to cover a purchase will only net you half a cent per point, and only a handful of purchase categories are eligible to be covered. Gift cards can be redeemed with points at a full cent per point, but they're an incentive I have little use for. Overall, the Rewards+ card is a great concept pigeonholed by the poor execution of its redemption program. For the niche customer who primarily makes sub-$10 purchases and uses a lot of gift cards, this could be a welcome addition in the pocket or purse. However, for the average cardholder, the restrictive redemption options and complicated exchange values leave this trailing behind the pack of better everyday options.

Never activated the card. $3,000 line of credit was worthless. Canceled the card as soon as it showed up. I can't believe Credit Karma promotes this card!

Application was easy. Got a letter about week later telling me to call. I called and they verified it's me and I was approved $2800

I got approved with the card and I was pretty happy. BUT there is a catch. I hear other people saying that if your score goes down like a couple points Citi bank lowers your credit limit. So I would just be really careful with your credit score or your credit utilization. Currently aiming for that 800.

I had like zero chance to get this card and I still got approved. Super easy and fast process. You'll need to be under 30% in revolving credit debt, over 690 fico 8 Equifax and good payment history. If you have that your chances should be pretty high.

This card earned my respect after one year. It rewards those with excellent credit scoreswho use it with a huge credit limit and lowest interest rate. That makes this card important to me. Also, when I buy a cup of coffee at McDonald's for a buck and use this card it rounds up that buck to ten bucks. So I get a 10X multiplier. I use this card for small purchases everytime. So look, basically just get the card and take advantage of the 0% Interest rate and sign up bonus. Use it frequently and after a year you get a nice increase in credit limit. It won't be your best card for multipliers, but it has a purpose you don't get in most cards. Plus, you will like the huge multiplier on tiny purchases, it will make you smile when you get 10X on your coffee fix.