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Citi Rewards+® Card application: how does it work?
The application for the Citi Rewards+® Card is easy and takes only a few minutes. Read on to learn how to do it.
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Important Note: Current Status of the Citi Rewards+® Card
Updated on July 1, 2025
For those looking to apply for the Citi Rewards+® Card, please be aware that it has been discontinued for new applications.
Citi is re-launching this product as the Citi Strata℠ Card. Existing Rewards+ accounts will be converted to the Strata Card starting July 20, 2025.
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The Citi Strata℠ Card is expected to be available for new applications later this summer [Northern Hemisphere] in 2025.
Citi Rewards+® Card: Apply online with simple questions
With the Citi Rewards+® Card, you’ll earn valuable rewards on everyday purchases – with no hassle or annual fee. Read on to learn about the application process!
So, if you want to learn how to apply for this fantastic points card, stay with us!
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Apply online
The application for a Citi Rewards+® Card is online, and you can do it on your computer or your phone.
First, find the application page for the Citi Rewards+® Card. Then fill out the form with your personal and income information.
Once you submit, you’ll receive a response email in minutes with the approval decision.
As this card requires, applicants must be at least 18 years old, be U.S residents with a valid Social Security number, and have at least good credit.
Apply using the app
The Citi Mobile® App is available for iPhones and Androids. It’s free, and you can download it easily on the Play Store or Apple Store.
It enables cardholders to manage their accounts, check balances and redeem rewards.
However, you must make the application for a Citi Rewards+® Card on the website by following the step-by-step above.
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Citi Rewards+® Card vs. Bank of America Customized Cash Rewards Card
If you are shopping around for a rewards card but aren’t sure if the Citi Rewards+® Card is what you are looking for, let us help!
We have another recommendation for you to compare: the Bank of America Customized Cash Rewards Card.
This option offers a $250 online cash rewards bonus offer and 3% cash back to spend in a category of your choice. Let’s review both cards in a nutshell.
Citi Rewards+® Card
- Credit Score: Good;
- Annual Fee: $0;
- Regular APR: 0% Intro APR on balance transfers for 15 months from the date of the first transfer and on purchases from the date of account opening. After that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness, and a 29.99% variable APR for cash advances;
- Welcome bonus: 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.
- Rewards: 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points. Plus, earn 1X ThankYou® Points on All Other Purchases;
- Other rewards: The only credit card that automatically rounds up to the nearest 10 points on every purchase (no cap).
- Terms apply.
Bank of America Customized Cash Rewards Card
- Credit Score: Good;
- Annual Fee: $0;
- Regular APR: 0% intro for 18 billing cycles for purchases, then 16.99% – 26.99% (variable);
- Welcome bonus: $250 online cash rewards bonus;
- Rewards: 3% cash back in a category you choose among the eligible ones; 2% cash back at grocery stores and wholesale clubs; 1% cash back on any other purchase.
- Terms apply.
If you want to know more about the Bank of America Customized Cash Rewards Card, read the post below.
How to apply for Bank of America Customized Cash
Learn how to apply for the Bank of America Customized Cash Rewards card and get yourself a credit card with a rewards program that you can tailor to your spending habits.
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
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