Learn how to apply for the Citi Rewards+® Card
Applying this card immediately can lead to earning a substantial amount of rewards, even though it may be challenging to comprehend at first.
Discover the Unique Features of the Citi Rewards+® Card
The Citi Rewards+® Card stands out with its unique round-up feature, offering a fresh twist on earning points.
Whenever you make a purchase, your points automatically round up to the next highest number, in increments of 10.
The value of ThankYou points averages one cent per point, but this can vary based on how you choose to redeem them. While the round-up feature is an enticing perk that earns you bonus points, whether it justifies getting the card or if it’s simply a gimmick depends on your usage of the Citi credit card and your points redemption strategy.
The reward rates offered by Citi Rewards+® are as follows:
- Earn two ThankYou Points for every $1 spent at supermarkets and gas stations for the first $6,000 of your annual purchases.
- Earn one ThankYou Point for every $1 spent on all other eligible purchases.
- For the first 12 months after account activation, earn 1 ThankYou Point.
- For a limited time offer, earn 5 ThankYou Points for the first $6,000 spent at restaurants.
With no restrictions, each purchase is rounded up to the nearest multiple of 10 points. Plus, the first 100,000 points you redeem each year earn a 10% bonus, giving you more value.
Redeeming Your Points
The ThankYou Points earned through the Citi Rewards+® Card can be used in various ways:
- Accounting credit
- Direct cash refund
- Payment towards mortgages or student loans
- Travel reservations
- Shop With Points program
- Gift cards
- Transfer to travel partners
Eligibility for the Citi Rewards+® Card
To apply for a Citibank credit card, you must meet certain criteria. You must be at least 18 years old to be considered for the card. Additionally, you need to provide proof of a stable income source, whether you’re a salaried employee or self-employed with your own business. As this card is designed for individuals with good credit, a minimum credit score of 700 is required.
Applying for the Citi Rewards+® Card
Applying for credit cards is now quick and convenient through online applications. Simply visit the official Citi website, click the “Apply Now” button, and provide the requested personal information to begin your application process. Ensure you have the necessary documentation to show your eligibility for the card. After completing your application, wait for the response from Citibank.
Is the Citi Rewards+® Card Worth It?
The Citi Rewards+® Card is worth considering if you want a card without an annual fee that offers attractive points benefits for supermarket and gas station purchases. It’s also a great option if you want to take advantage of the 15-month 0% introductory APR on new purchases and balance transfers. However, if collecting rewards points and managing their utilization is not your preference, you should carefully evaluate if this card aligns with your financial goals.
Citi Rewards+® Card vs Citi Simplicity® Card
While both cards from Citi have their advantages, they are best suited for different financial situations.
The Citi Rewards+® Card is a rewards card that shines when you don’t have accumulated credit card debt. It offers the opportunity to earn points on your purchases.
On the other hand, the Citi Simplicity® Card is designed to help individuals tackle existing credit card debt. It excels at providing relief from high interest rates and offers features like no late fees and zero fines APR.
Benefits of the Citi Rewards+® Card
- Automatically adds the nearest 10 reward points to each purchase
- 10% bonus on the first 100,000 points redeemed each year
- No need to manage changing categories
- No annual fee
Benefits of the Citi Simplicity® Card
- No late fees
- 0% APR on purchases and balance transfers
- No annual fee
- Negotiate initial APR on balance transfers and purchases
How to Apply for the Citi Simplicity® Card
If the Citi Simplicity® Card appeals to you for managing your existing credit card debt, you can find detailed information on how to apply in our dedicated article.
