Citi Rewards+ - Find Me a Card

Citi Rewards+

A no annual fee points card, with a signup bonus of 15K points and an ongoing 2x points on groceries and gas, which is good for people who make lots of small purchases (due to its "rounding up" feature).

Your total savings: $1,591 over the next 5 years

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Credit Score Required:
Above Average (740-799)

Rewards & Perks

Reward Highlights

  • 15,000 bonus points after spending $1,000 within the first 3 months.
  • 2x points at supermarkets and gas stations for the first $6K spent per year.
  • 1 point per dollar on all other purchases.
  • Automatically rounds up to the nearest 10 points on every purchase.
  • 10% points back for the first 100,000 ThankYou Points that you redeem each year.

Other Rewards & Perks

  • Special access to events (via Citi Entertainment): Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sporting events, dining experiences, and more.

Special Signup (Promo) Rewards & Perks

  • 15,000 bonus points after spending $1,000 within the first 3 months.
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.
  • APR on purchases: 13.49-23.49%. (0% for the first 15 months.)
  • APR on balance transfers: 13.49-23.49%. (0% for the first 15 months on balance transfers that are completed within the first 4 months.)
  • Foreign transaction fee: 3%.

Annual Fee: $0

Interest Rate (“Purchase APR”): 13.49-23.49% (0% for the first 15 months)

BT Fee: 3% of BT

BT APR: 13.49-23.49% (0% for the first 15 months)

Balance Transfer Notes:

  • To qualify for the 0% intro balance transfer APR, the balance transfers must be completed within the first 4 months.

Cash Advance Fee: 5%

Cash Advance APR: 25.24%

Foreign Transaction Fee: 3%

Penalty APR: 29.99%

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Other Info

Date Introduced: 2019-01-03

Date Last Updated: 2021-02-10

Summary of Penalty Conditions

Up to 29.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you: (1) Make a late payment or (2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APRs are increased for either of these reasons, the Penalty APR may apply indefinitely.

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