Citi Rewards+® Card review: No annual fee and extra rewards on purchases

Turn your purchase payments into rewards points to redeem in statement credit and gift cards. Learn how you can do that in the in-depth Citi Rewards+® Card review we've prepared just for you. Read on!


by Suzana Brito

10/14/2022 | Updated on 02/07/2023

Citi Rewards+® Card: get rewards for everyday purchases!

Citi Rewards+® Card
Read our Citi Rewards+® Card review! Source: Citi

The Citi Rewards+® Card review will show you how to earn points on everyday purchases.

Citi® logo

How to apply for Citi Rewards+®Card

Here's all you need to know about the Citi Rewards+® Card application online and straightforward. Keep reading to learn more!

This card has some great features, including points on all dining and grocery purchases, no annual fee, and a generous sign-up bonus. Read on to learn more!

  • Credit Score: Good;
  • Annual Fee: $0;
  • Regular APR: 0% intro APR for 15 months on purchases (from account opening), 0% intro APR for 15 months on balance transfers (from the date of first transfer). Then, a variable APR of 17.99% – 27.99% applies based on creditworthiness; and a 29.74% variable APR for cash advances;
  • Welcome bonus: 20K bonus points after spending $1,500 during the first 3 months (redeemable for $200 in gift cards);
  • 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.

Citi Rewards+® Card: how does it work?

blond cashier holdinh a receipt and look to her right
Earn reward points on your purchases at supermarkets. Learn more! Source: Unsplash

The Citi Rewards+® Card offers points for every purchase, which you can redeem for gift cards.

You’ll earn 2 points per dollar at supermarkets and gas stations (for the first $6,000 spent per year) and 1 point on all other purchases.

Also, you’ll get a 10% bonus on all the ones you’ve earned during the year (up to 100,000 points).

When it’s time for redemption, you can choose from various options, including cash back (as a statement credit) and gift cards.

There are no annual fees for this card.


Citi Rewards+® Card: should you get one?

The Citi Rewards+® Card has an attractive intro annual fee that will help you earn as many reward points as possible.

Let’s examine its pros and cons to decide if this is the right card for your needs.



  • 0% intro APR for the first 15 months for purchases;
  • No annual fee;
  • Point redemption options;
  • Points on everyday purchases.


  • Good credit is required.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit score required

The minimum credit score to apply for this card is good. So, if you want to have one, check your score first.

Citi Rewards+® Card application: how to do it?

We hope you’ve enjoyed the Citi Rewards+® Card review. Keep reading to discover how you can apply online for this card below.

Citi Rewards+® Card

How to apply for Citi Rewards+®Card

The application for the Citi Rewards+® Card is easy and takes only a few minutes. Read on to learn how to do it.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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