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Author - Sam
Updated: November 25, 2024 | Credit Card Review 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.
- Max cards: Citi will only approve you for one personal card every 8 days, and only 2 Citi personal cards within 65 days
- Credit bureau: Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax (depending on your state, search your state in our credit card database)
- If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report.
- Combining same-day credit inquiries: Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined. Note, you cannot get approved for more than one Citi personal card within 8 days (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
- Application status: You can check your application status here or call 1 888 201 4523
- Reconsideration: If declined you can call 1 800 695 5171 to be reconsidered
Quickest way to get my card: Citi will offer instant credit card numbers only on some cards (Custom Cash, Costco cards applied for in-store, AA, AT&T). Citi physical credit cards cannot be expedited and will arrive after 7-10 business days
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $1,000-$16,500
Avg. Credit limit$6,341
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
- Balance transfer fee: 3% or $5, whichever is greater, for transfers completed within the first 4 months. After that, the fee is 5% of each transfer, minimum $5.
- 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
- Late payment fee: See terms
Get two additional years to your original manufacturer’s warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per item.
Earn 10% back on the first 100,000 points redeemed annually.
3%
Get refunded if your purchase is damaged, or stolen for up to 90 days from the date of purchase. Max $10,000 per claim ($50,000 per year)
The points can be redeemed as cashback for 1 penny per point.
If you only have the Citi Rewards+ Card then you cannot transfer your points to any partners.
But if you also have the Citi Strata Premier Card or the Citi Prestige, then you can transfer your points to one of these cards and then transfer your points to any of the following airline or hotel partners.
Airline partners:
| Transfer Ratio | Transfer Time | |
| Aeromexico – Club Premier | 1:1 | Instant |
| Air France, KLM – Flying Blue | 1:1 | Instant |
| Avianca – LifeMiles | 1:1 | Instant |
| Cathay Pacific – Asia Miles | 1:1 | Instant |
| Emirates – Skywards | 1:1 | Instant |
| Etihad Guest | 1:1 | Instant |
| EVA Air Infinity MileageLands | 1:1 | 2 days |
| JetBlue – TrueBlue | 1:1 | Instant |
| Qantas Frequent Flyer | 1:1 | Instant |
| Qatar Airways Privilege Club | 1:1 | 2 days |
| Singapore Airlines -KrisFlyer | 1:1 | 2 days |
| Thai Airways – Royal Orchid Plus | 1:1 | 4 days |
| Turkish Airlines – Miles & Smiles | 1:1 | Instant |
| Virgin Atlantic – FlyingClub | 1:1 | Instant |
Hotel partners:
| Ratio | Transfer Time | |
| Choice Privileges | 2:1 | Instant |
| Wyndham Rewards | 1:1 | 24 hours |
