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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.

welcome offer

Earn 20,000 points after spending $1,500 within the first 3 months. Plus, earn 5 points on hotels, car rentals, and attractions booked in the Citi Travel® portal, through 12/31/2025. Intro 0% APR for 15 months on purchases and balance transfers (after that 18.74% to 28.74% variable). The balance transfer fee is 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.

Bonus Value

Approximately $200 - $362

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)

Add to compare

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.

Author - Sam Updated: May 20, 2024 | Credit Card Review
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
  • 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)

83% Approved
761 Avg. Score of those approved
17% Denied
Approved 83% (35)
Denied 17% (7)

Credit limit range $1,000-$16,500

Avg. Credit limit$6,580

Approved 83% (35)
Denied 17% (7)

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 Terms
  • 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
Welcome Offer Eligibility
The welcome bonus is not available if you have received a new account bonus for a Citi Rewards card within the past 48 months.
Card Details And Benefits
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.

Extra Redemption Value

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

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)

How can the points be used?
Cashback

The points can be redeemed as cashback for 1 penny per point.

Transfer to airline and hotel programs

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

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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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