The Citi Rewards+ Card stands out as a practical option for anyone looking to maximize their rewards on everyday purchases without the burden of an annual fee. It’s designed with simplicity and convenience in mind, making it a great choice whether you’re new to credit cards or a seasoned cardholder. 

With a range of benefits tailored to your daily needs, this card ensures that every swipe earns you something extra. From earning points at supermarkets and gas stations to getting bonus rewards on travel bookings, the Citi Rewards+ Card is here to make your spending work harder for you.

Main features of the Citi Rewards+ Card

Issued by Citibank, one of the leading financial institutions globally, the Citi Rewards+ Card is aimed at individuals who want to make the most out of their everyday spending. Whether you’re a frequent traveler or someone who mainly uses a credit card for routine purchases like groceries and fuel, this card is tailored to offer substantial rewards in return. 

While the card’s appeal is broad, it’s particularly attractive to those who prefer earning points that can be redeemed for a variety of rewards, such as gift cards, travel, or even online shopping credits. The card’s unique feature of rounding up points to the nearest ten on every purchase makes it an appealing choice for those who want to accumulate rewards quickly. 

Understanding the annual fee 

One of the standout features of the Citi Rewards+ Card is its $0 annual fee, which means you can enjoy all the benefits without worrying about an additional yearly charge. This makes the card particularly attractive to those who are budget-conscious but still want to earn rewards. 

Deciphering credit limits

When you apply for the card, Citibank reviews various factors such as your credit score, income, and overall financial history to decide how much credit they can extend to you. This process ensures that the credit limit assigned is manageable for you, aligning with your financial situation. If you have a strong credit history and a reliable income, you’re more likely to be offered a higher credit limit.

Advantages of the Citi Rewards+ Card

• 5X Points on Travel: Earn 5 ThankYou® Points for every dollar spent on hotels, car rentals, and attractions booked through CitiTravel.com, making it an excellent card for travelers.
• 2X Points at Supermarkets and Gas Stations: For the first $6,000 spent annually, you earn 2 points for every dollar spent on these essentials. This is ideal for everyday expenses.
• Rounding Up Points: A unique feature where every purchase rounds up to the nearest 10 points, ensuring you earn a little extra with every transaction.

Standout advantage

One of the most unique features of the Citi Rewards+ Card is its Round-Up benefit. Every time you make a purchase, the points earned are automatically rounded up to the nearest 10 points. For example, if you spend $2.50 on a coffee, you don’t just earn a couple of points—you get a full 10 points. 

Addressing potential drawbacks

• High APR: After the introductory period, the APR can range from 18.74% to 28.74%, depending on your creditworthiness. This can be a concern for those who carry a balance.
• Foreign Transaction Fee: There’s a 3% fee on purchases made outside of the United States, which can add up if you travel internationally frequently.
• Limited Bonus Categories: While the 2X points on supermarkets and gas stations are great, they are capped at $6,000 annually, after which you earn only 1X points.

Standout disadvantage

The most significant drawback of the Citi Rewards+ Card is its high variable APR, which can range from 18.74% to 28.74%, depending on your credit score. While the card offers a 0% introductory APR for the first 15 months, this rate can skyrocket once the promotional period ends. 

Eligibility criteria 

To apply for the Citi Rewards+ Card, applicants need to meet certain criteria set by Citibank. Firstly, you must be at least 18 years old and a resident of the United States. Having a good to excellent credit score significantly increases your chances of approval, as Citibank assesses your creditworthiness before issuing the card. 

Additionally, you’ll need to provide information about your income, employment, and existing financial obligations, which helps the bank determine your ability to manage the credit limit assigned to you. Lastly, the card is not available to individuals who have received a new account bonus for a Citi Rewards+ Card within the past 48 months, ensuring that new applicants genuinely benefit from the introductory offers.

How to apply for the Citi Rewards+ Card

Applying for the Citi Rewards+ Card is a straightforward process, and it can be done through various channels. Whether you prefer the convenience of applying online, using the Citi mobile app, or visiting a branch in person, the process is designed to be simple and efficient.

Via website

Applying online is perhaps the most convenient option, allowing you to complete the entire process from the comfort of your home. Simply visit the Citi website, navigate to the Citi Rewards+ Card page, and click on the “Apply Now” button. You’ll be prompted to fill out an application form that requires basic personal and financial information. 

The website is user-friendly, and the application process is straightforward, typically taking just a few minutes. After submitting your application, you’ll receive a decision within a short time, and if approved, your new card will be mailed to you within a few days. This method is ideal for those who prefer a quick and hassle-free application process.

Through the mobile application

If you’re on the go and prefer using your mobile device, the Citi mobile app offers a seamless way to apply for the Citi Rewards+ Card. The app is available for both iOS and Android devices, and it allows you to complete the application process directly from your smartphone or tablet. 

Simply download the app, sign in or create a Citi account, and navigate to the credit card section. The application process within the app is similar to the website, requiring the same personal and financial details. The app also allows you to track the status of your application in real-time, making it a convenient option for tech-savvy individuals who prefer managing their finances via mobile.

Through the store/branch

Visit your nearest Citibank branch, where a representative can assist you with the application process. This method is particularly useful if you have questions about the card or need assistance with the application form. The in-branch experience allows you to interact with Citibank staff, who can provide you with detailed information about the card’s benefits, terms, and conditions.