Citi Rewards+® Card Review: Maximize Every Purchase

Earn more on every purchase with Citi Rewards+: 20K bonus points & 0% intro APR.

Citi Rewards+® Card Review: Maximize Every Purchase


  • Annual Fee: $0, making it an accessible card for all spenders.
  • Welcome Bonus: 20,000 points after spending $1,500 in purchases within the first 3 months.
  • Rewards Rate: Earn 2X points at supermarkets and gas stations (up to $6,000 per year) and 1X points on all other purchases.
  • Unique Round-UpEarn 2X points at supermarkets and gas stations (up to $6,000 per year): Every purchase is rounded to the nearest 10 points, enhancing the earning rate on smaller purchases.


  • Intro APR: Offers a 0% introductory APR on balance transfers for 15 months from the date of the first transfer and purchases from the date of account opening. After that, the APR is variable at 18.74% to 28.74%.
  • Special Offers: Earn 5X points on hotel, car rental, and attraction bookings through until December 31, 2025.
  • Anniversary Bonus: 10% points back on redemptions each year, up to the first 100,000 points redeemed.
  • No Foreign Transaction Fees: Ideal for international travelers.


  • Balance Transfer Fee: There is an introductory fee of 3% of each transfer ($5 minimum) within the first 4 months of account opening. After that, the fee is 5% of each transfer ($5 minimum).
  • Limited High Reward Categories: Enhanced earning rates are capped at supermarkets and gas stations for the first $6,000 per year, then 1X points thereafter.

Product Summary

The Citi Rewards+® Card is a versatile rewards card designed to maximize the value of everyday purchases, especially beneficial for those who make smaller purchases regularly. With no annual fee, it offers an attractive welcome bonus and an introductory APR on purchases and balance transfers. The card's unique round-up feature and anniversary bonus enhance the potential rewards, making it a compelling choice for consumers seeking more from their credit card spending. However, the card's benefits are somewhat offset by balance transfer fees and limited categories for higher reward rate earning. It's best suited for users who will take advantage of the special earning rates and those who frequently book travel through CitiTravel.

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