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The Citi Rewards+® Card is a versatile cashback card designed to maximize rewards on everyday spending.
Its unique rewards structure, no-annual-fee model, and user-friendly features make it an excellent choice for individuals seeking consistent value.
The Citi Rewards Card is designed for those who want to earn rewards on everyday purchases.
It offers 2 points per dollar spent on dining and entertainment, and 1 point per dollar on all other purchases.
There’s no annual fee, making it a cost-effective choice for frequent spenders. New cardholders can enjoy a welcome bonus by meeting a minimum spending requirement in the first few months.
Points can be redeemed for a variety of rewards, including travel, merchandise, and gift cards.
How Does the Citi Rewards+® Card Work?
The Citi Rewards+® Card operates on a unique rewards system that rounds up every purchase to the nearest 10 points.
For example, if you spend $3.50, the card will round up your rewards to 10 points instead of just 3 points.
This innovative feature ensures that small transactions contribute meaningful rewards, helping your points add up faster.
In addition to the rounding up feature, the card offers 2X ThankYou® Points on purchases made at supermarkets and gas stations, up to $6,000 annually. After reaching the cap, and for all other purchases, you’ll earn 1X points.
ThankYou® Points earned with the Citi Rewards+® Card can be redeemed for a variety of options, including travel, gift cards, statement credits, or purchases on eligible platforms. This flexibility ensures that your rewards align with your lifestyle and financial goals.
The card’s no-annual-fee structure makes it affordable, allowing you to keep more of your earnings without worrying about extra costs.
Main Benefits for the Citi Rewards+® Card
The Citi Rewards+® Card offers several key benefits that make it a standout choice for everyday spending. Its unique rounding up feature ensures that every transaction, no matter how small, maximizes your rewards potential.
The 2X ThankYou® Points on supermarket and gas station purchases provide added value for essential spending, while the lack of an annual fee keeps the card affordable for long-term use.
The flexible redemption options through ThankYou® Points allow cardholders to choose how they use their rewards, whether for travel, statement credits, or gift cards. This adaptability makes the card a practical choice for individuals with varied financial needs.
Additionally, new cardholders can take advantage of a competitive sign-up bonus, adding immediate value to the card and boosting their rewards balance early on.
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Cons for the Citi Rewards+® Card
While the Citi Rewards+® Card offers many advantages, it does have some limitations. The 2X points on supermarket and gas station purchases are capped at $6,000 annually, which may limit rewards potential for high spenders in these categories.
Additionally, the card requires good to excellent credit for approval, which may restrict accessibility for some applicants. It also lacks premium perks such as travel insurance, extended warranties, or concierge services, which are often included with higher-tier credit cards.
Despite these drawbacks, the Citi Rewards+® Card remains an excellent choice for individuals who value everyday spending and unique rewards features.
APR and Fees
The Citi Rewards+® Card has no annual fee, making it an affordable option for cashback seekers.
The card includes a competitive introductory APR for purchases and balance transfers, adding flexibility for new cardholders. After the introductory period, a variable APR applies based on your creditworthiness.
It’s important to review the full terms and conditions to understand potential fees for balance transfers, late payments, or cash advances.
How to Apply for the Citi Rewards+® Card
Applying for the Citi Rewards+® Card is simple. Follow these steps:
- Visit the Website: Go to Citi’s official website and locate the Citi Rewards+® Card application page. Click “Apply Now” to begin.
- Provide Your Information: Enter your personal details, including your name, address, Social Security number, and income.
- Submit Your Application: Review your information carefully and submit the application. Many applicants receive a decision quickly.
- Activate Your Card: Once approved, your card will arrive within 7–10 business days. Activate it and start earning rewards immediately!
The Citi Rewards+® Card is a unique and rewarding option for individuals seeking to maximize their everyday spending. Its innovative rounding up feature, combined with 2X points on groceries and gas, ensures consistent value for essential purchases.
While it may not offer elevated rewards in categories like dining or travel, its simplicity and accessibility make it an excellent choice for individuals who prioritize everyday rewards.
For anyone looking for a reliable and rewarding cashback card, the Citi Rewards+® Card is a top contender.
