The Citi Rewards+® Card offers a range of benefits tailored to reward your everyday spending and travel plans. With its unique points system that rounds up to the nearest 10 points on every purchase, you can maximize your rewards effortlessly. Enjoy a generous sign-up bonus, low introductory APR, and no annual fee, making this card an attractive option for savvy spenders. Additionally, take advantage of a special travel offer with 5X points on hotel stays and car rentals booked through CitiTravel.com. Let’s dive into the details of what makes the Citi Rewards+® Card a top choice for rewards enthusiasts.
Advantages of the Citi Rewards+® Card
1. **Generous Sign-Up Bonus**: Earn 20,000 bonus points after spending $1,500 within the first three months, redeemable for $200 in gift cards or travel rewards at thankyou.com. 2. **Special Travel Offer**: Earn 5X ThankYou® Points per $1 spent on hotel stays, car rentals, and attractions booked through CitiTravel.com until December 31, 2025. 3. **Everyday Rewards**: Earn 2X points per $1 spent at supermarkets and gas stations for the first $6,000 per year, and 1X point on all other purchases. 4. **Point Rounding**: Unique feature that rounds up points to the nearest 10 on every purchase, making it easy to accumulate rewards quickly. 5. **No Annual Fee**: Enjoy all the benefits without worrying about an annual fee. 6. **Low Intro APR**: 0% Intro APR on purchases and balance transfers for the first 15 months; variable APR of 18.74% – 28.74% thereafter, based on creditworthiness.
Disadvantages of the Citi Rewards+® Card
1. **Limited High-Earning Categories**: The 2X points category is limited to supermarkets and gas stations, which might not suit all spending habits. 2. **Foreign Transaction Fee**: A 3% fee on purchases made outside the US, which can add up for frequent international travelers. 3. **Balance Transfer Fee**: After the introductory period, balance transfers incur a 5% fee (minimum $5). 4. **Points Redemption Limitations**: Some users may find the redemption options for ThankYou® Points restrictive compared to other reward cards that offer direct cash back.
Extra features offered by the Citi Rewards+® Card
1. **10% Points Back on Redemptions**: Get 10% of your points back on the first 100,000 points redeemed each year, adding more value to your rewards. 2. **Digital Wallet Compatibility**: Use your card with digital wallets for quick and secure payments online and in stores. 3. **Contactless Pay**: Tap your card for fast and secure transactions with contactless-chip enabled technology. 4. **Citi® Quick Lock**: Instantly lock your card if it’s lost or stolen, providing added security. 5. **Access to FICO® Score**: Free access to your FICO score after 30 days of account opening.
Learn how to apply for your Citi Rewards+® Card
Applying for the Citi Rewards+® Card is simple and can be done through various methods. Whether you prefer applying online, through the mobile app, or by visiting a branch, Citi offers multiple convenient options.
Discover the main ways to apply for the Citi Rewards+® Card
1. **Online**: Visit the Citi website and follow the instructions to apply for the card. 2. **Mobile App**: Download the Citi Mobile app and apply directly from your smartphone. 3. **Branch Visit**: Go to a Citi branch and apply in person with the help of a representative.
Prerequisites for request
To qualify for the Citi Rewards+® Card, you need to meet certain creditworthiness criteria set by Citi. This includes having a good to excellent credit score and providing the necessary financial information during the application process.
From the site
Visit the official Citi website, navigate to the Citi Rewards+® Card page, and click on the application link. Fill out the required details and submit your application for review.
From the site App
Open the Citi Mobile app, go to the credit card section, select the Citi Rewards+® Card, and complete the application process on your mobile device.
By agency
Visit a Citi branch, speak with a representative, and provide the necessary documentation to apply for the Citi Rewards+® Card in person.
The Citi Rewards+® Card stands out with its unique point rounding feature and generous rewards structure, making it a strong contender for anyone looking to maximize everyday and travel-related spending. While it has some limitations, such as the foreign transaction fee and limited high-earning categories, the benefits and lack of an annual fee make it an appealing option. With multiple ways to apply and straightforward prerequisites, getting your hands on this rewarding card is convenient and easy.