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welcome offer

Limited time offer: Earn 20,000 points after spending $1,500 on purchases within the first 3 months. Intro 0% APR for 15 months on purchases and balance transfers (after that 13.49% - 23.49% variable).

Bonus Value

Approximately $290*

Annual Fee

$0

Card Rewards

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

1 point everywhere else

All transactions round up to the nearest 10 points (a $1 gum earns 10 points)

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
  • 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

Recent Approvals and Denials (as submitted by Help Me Build Credit users)

90% Approved
763 Avg. Score of those approved
10% Denied
Approved 90%
Denied 10%

Credit limit range $1,000-$12,000

Avg. Credit limit$6,037

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.

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
Foreign Transaction Fee

3%

Extra Redemption Value

Earn 10% back on the first 100,000 points redeemed annually.

Extended Warranty Protection

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.

Purchase Protection

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)

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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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