The Ultimate Guide to Credit Cards
Monday, October 25, 2021

Citi Rewards+® Card

► 2021 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

4.6/5.0
  • 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
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • 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 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • No annual fee
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
13.49% - 23.49% Variable
$0
Excellent, Good

Interest Rate

Annual Fee

Credit Needed

Ratings By Category

0% Balance Transfer
(Ranked #5 out of 12)
★★★★★
4.5
0% Intro APR
(Ranked #9 out of 33)
★★★★★
4.7
Best Overall
(Ranked #29 out of 146)
★★★★★
4.6
Excellent Credit
(Ranked #26 out of 58)
★★★★★
4.6
Gas Rebate
(Ranked #11 out of 28)
★★★★★
4.7
Good Credit
(Ranked #25 out of 61)
★★★★★
4.6
Low APR
(Ranked #14 out of 39)
★★★★★
4.6
Points & Gifts
(Ranked #10 out of 35)
★★★★★
4.6

Advertiser Disclosure

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