Citi Rewards+® Card
Citi · Mastercard
3.9/5 RatingGood to Excellent (670+)
Key Details
- Annual Fee
- None
- Regular APR
- 18.49%–28.49%
- Intro APR
- 0% intro APR for 15 months on purchases and balance transfers
- Foreign Transaction Fee
- None
- Balance Transfer Fee
- 3% or $5
- Rewards Rate
- 1x–2x points
Sign-Up Bonus
20,000 ThankYou points after spending $1,500 in first 3 months
Rewards Structure
- Supermarkets & Gas (up to $6,000/year)2x
- All Other Purchases1x
Pros
- ✓Points round up to nearest 10 on every purchase
- ✓No annual fee
- ✓0% intro APR for 15 months
- ✓10% points back for first 100,000 ThankYou points redeemed per year
Cons
- ✗Low base rewards rate
- ✗Best value requires pairing with Citi Premier
- ✗$6,000 annual cap on bonus categories
Who Should Get This Card?
Citi ecosystem users who make many small purchases (round-up benefit). Best paired with Citi Premier or Double Cash.