Citi Rewards Card

welcome offer

Earn 15,000 points after $1,000 spent on purchases within the first 3 months. Intro 0% APR for 15 months on purchases and balance transfers.

Bonus Cash Value

Approximately $225*

Annual Fee

$0

Card Rewards

2 points on gas and supermarkets on the first $6,000 spent annually

1 point everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Citi Rewards Card is great for bumping up your points with inter-city shopping, as you get 2 points on gas and supermarkets on the first $6,000 spent annually. Its super points deal on rounding up all transactions to the nearest 10 gets you a lot more points for each dollar spent. And to top it off, get 10% back on the first 100,000 points redeemed annually. The card also features an intro 0% APR period for 15 months on purchases and balance transfers.

Card-Smart Tips & Advice
  • Good credit needed
  • You can only get approved for one Citi Personal Card every 8 days, and not more than 2 Citi Personal Cards every 65 days
  • Citi will usually pull your Experian credit report (If you freeze Experian you can sometimes request the reconsideration department to pull Equifax)
  • You can check your application status  here  or call 1 888 201 4523
  • If declined you can call 1 800 695 5171 to be reconsidered
Balance Transfer Terms
  • Balance transfer fee: 3% or $5, whichever is greater
  • You cannot transfer balances from other credit cards issued by Citi Bank
  • To receive the Intro APR Offer, transfers must be completed within the first 4 months of account opening
  • Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR offer
Welcome Offer Eligibility
The welcome bonus is not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou, Preferred, Citi ThankYou, Premier/Citi Premier, or Citi Prestige, or if you have closed any of these accounts, in the past 24 months.
Card Details And Benefits
  • Earn 10% back on the first 100,000 points redeemed annually
  • All transactions round up to the nearest 10 points (a $1 gum earns 10 points)

Search Recent Approvals

Filtered by:
Sep 08, 2020
Approved

Citi Rewards Card

Credit limit : $5,600
Score : 801
Annual Income : $350,000
Applied from : New York
Bureau : Experian
Age Of Credit History: 5
Limit : $5,600
Score : 801
Bureau : Experian
Income : $350,000
Credit Age: 5
State : New York
Approved
Aug 28, 2020
Declined

Citi Rewards Card

Credit limit : N/A
Score : 740
Annual Income : $45,000
Applied from : New York
Bureau : Equifax
Age Of Credit History: average age 10 months, oldest cc 1 year and 10 months
Limit : N/A
Score : 740
Bureau : Equifax
Income : $45,000
Credit Age: average age 10 months, oldest cc 1 year and 10 months
State : New York
Declined
Notes: on the experian app it said my score was 742, but on the deniel letter they wrote my score was 718.
Aug 26, 2020
Approved

Citi Rewards Card

Credit limit : $4,900
Score : 750
Annual Income : N/A
Applied from : orth Carolina
Bureau : Equifax
Age Of Credit History: N/A
Limit : $4,900
Score : 750
Bureau : Equifax
Income : N/A
Credit Age: N/A
State : orth Carolina
Approved
Notes: Instantly approved
Aug 06, 2020
Approved

Citi Rewards Card

Credit limit : $3,000
Score : 735
Annual Income : N/A
Applied from : New York
Bureau : Experian
Age Of Credit History: N/A
Limit : $3,000
Score : 735
Bureau : Experian
Income : N/A
Credit Age: N/A
State : New York
Approved

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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