Citi Rewards+

The Citi Rewards+ credit card is your gateway to a world of benefits and perks that make every purchase more rewarding. With this card in your wallet, you’ll earn points on all your spending, no matter how small, thanks to its unique feature of rounding up your points. 

Plus, there’s no annual fee to worry about. It’s a rewards card that’s designed to make your money work harder for you. Whether you’re a savvy shopper, a frequent traveler, or someone who enjoys dining out, the Citi Rewards+ has something special to offer. 

In this introduction, we’ll dive deeper into the fantastic features and advantages that come with this card.

Credit Card
Citi Rewards+
No annual fee Intro APR period
The only credit card that automatically rounds up to the nearest 10 points on every purchase
Click here to Apply On credit card page

How Citi Rewards+ credit card works

The Citi Rewards+ credit card operates by allowing cardholders to earn points on every purchase they make. It stands out due to its unique feature of rounding up the points earned on each transaction, making even small expenses more rewarding. 

Furthermore, it does not impose an annual fee, ensuring that cardholders can enjoy the benefits without any extra cost. This card is perfect for individuals who appreciate earning rewards, whether they are frequent shoppers, travelers, or dining enthusiasts. 

In this overview, we will explore the various features and advantages associated with the Citi Rewards+ credit card.

Main benefits ofCiti Rewards+  credit card

The Citi Rewards+ credit card offers a wide range of valuable benefits to its users. First and foremost, it provides an innovative feature of rounding up the points earned on every purchase, ensuring that even small expenses contribute significantly to your rewards. 

Additionally, this card comes with no annual fee, making it a cost-effective choice for those who seek rewards without additional financial burdens.

The card also grants access to the ThankYou Points program, allowing you to redeem your earned points for a variety of rewards, such as travel, gift cards, and more. 

Moreover, it provides a 10% points back on the first 100,000 points you redeem each year, further enhancing its value. Overall, the Citi Rewards+ credit card is an excellent choice for those who want to maximize the benefits of their spending.

Main disadvantages of Citi Rewards+ credit card

While the Citi Rewards+ credit card offers several attractive benefits, it also comes with some notable disadvantages. One significant drawback is its foreign transaction fee, which makes it less ideal for international travel or online purchases in foreign currencies. 

Additionally, the card may not be the best choice for those seeking high-value travel rewards, as it lacks certain premium travel perks like airport lounge access or travel insurance. 

The rewards rate on this card may not be as competitive as some other rewards cards on the market, particularly if you’re a heavy spender. 

Finally, the card’s introductory 0% APR period on balance transfers, while useful for debt consolidation, may not be as long as what other cards offer. 

These limitations should be considered when deciding whether the Citi Rewards+ card aligns with your financial goals and lifestyle.

How to apply Citi Rewards+ credit card

To apply for the Citi Rewards+ credit card, follow these steps:

  • 1. Visit the Citi Bank website: Start by visiting the official Citibank website, where you can find detailed information about the Citi Rewards+ card and access the application process.
  • 2. Check eligibility: Review the eligibility criteria for the Citi Rewards+ card. Typically, credit card issuers require applicants to be at least 18 years old, have a steady source of income, and meet certain credit score requirements.
  • 3. Complete the application: On the website, you will find a link or button to start the online application. Click on it and provide the necessary information, which may include your personal details, financial information, and employment details.
  • 4. Submit required documents: You may be asked to submit documents such as proof of income, identification, and address verification. Make sure to have these documents ready in digital format.
  • 5. Review terms and conditions: Before finalizing your application, carefully read through the terms and conditions of the Citi Rewards+ card, including its fees, interest rates, and rewards program.
  • 6. Submit the application: Once you’ve completed all the required fields and reviewed the terms, submit your application. You may receive an instant decision or have to wait for approval.
  • 7. Await approval: If your application is approved, you will receive your Citi Rewards+ credit card in the mail within a few weeks. Be sure to activate it as soon as it arrives.

Conclusion

The Citi Rewards+ credit card offers a unique and rewarding experience with its innovative feature of rounding up points on every purchase. With no annual fee and access to the versatile ThankYou Points program, it’s an excellent choice for those looking to maximize the benefits of their spending without added costs. However, it’s important to consider its drawbacks, such as the foreign transaction fee and limited premium travel perks, to determine if this card aligns with your financial needs and lifestyle.

Overall, the Citi Rewards+ credit card is a strong contender for anyone seeking a rewards card that makes every purchase more valuable, especially for frequent shoppers, travelers, and dining enthusiasts. By weighing its benefits and disadvantages, you can make an informed decision about whether this card is the right fit for you.

Credit Card
Citi Rewards+
No annual fee Intro APR period
The only credit card that automatically rounds up to the nearest 10 points on every purchase
Click here to Apply On credit card page
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