The Ultimate Guide to Credit Cards
Wednesday, May 25, 2022

Citi Rewards+® Card

► 2022 Review, Application & Rates

"Featuring a robust rewards program and extensive 0% introductory rates on purchases and transfers, this card is a popular choice for applicants with a good to excellent credit history."
- Toby Sembower,
Advertiser Disclosure

BEST OVERALL RATING

★★★★★

4.6

OVERALL RATING

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.24% - 24.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.24% - 24.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR Period 15 months on Purchases and Balance Transfers
0% Intro APR Period 15 months on Purchases and Balance Transfers
14.24% - 24.24% (Variable)
$0
Excellent, Good

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #11 out of 17)
★★★★★
4.5
0% Intro APR
(Ranked #8 out of 33)
★★★★★
4.7
Best Overall
(Ranked #29 out of 154)
★★★★★
4.6
Excellent Credit
(Ranked #40 out of 60)
★★★★★
4.5
Gas Rebate
(Ranked #18 out of 28)
★★★★★
4.6
Good Credit
(Ranked #37 out of 62)
★★★★★
4.5
Low APR
(Ranked #16 out of 42)
★★★★★
4.6
Points & Gifts
(Ranked #17 out of 36)
★★★★★
4.5

Advertiser Disclosure

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