CITI REWARDS+® CARD Turn Everyday Purchases into Something Bigger. Plus, No Annual Fee*


Earn bonus points after spending $ within the first months of account opening, redeemable for $200 in gift cards.2

Get % Intro APR for months on purchases and balance transfers.

After that, the variable APR will be % - % based on your credit worthiness*.

Balance transfers must be completed within 4 months of account opening.

Balance Transfer Fee: Intro fee of % of each transfer ($ minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($ minimum).*

Bonus ThankYou® Points are 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.

No Annual Fee*


With the Citi Rewards+® Card, you can make the most of your everyday purchases by earning double ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then one point thereafter. Plus, earn one point per dollar spent on all other purchases. You can redeem for things like gift cards or for travel rewards. One of Citi's best rewards credit cards, the Citi Rewards+® Card gives you all this with a low introductory APR and no annual fee.*

  • two Times

    Supermarkets & Gas Stations

    Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and 1 point per $1 spent thereafter.2

  • one Time

    All Other Purchases

    Earn 1 ThankYou® Point per $1 spent on all other purchases.2

  • Round Up to the nearest 10 points on every purchase

    Exclusive Benefit

    The only credit card that automatically rounds up to the nearest 10 points on every purchase. A $2 coffee earns 10 points. A $12 meal earns you 20 points. There is no cap on purchases that are rounded up.2

  • 10 percent

    Points Back

    Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year. That means if you redeem 15,000 points, you get 1,500 back. It’s that simple.2

Redeeming ThankYou® Points

Gift Cards

Treat yourself to just about anything. Choose from a large selection of gift cards including department and home stores as well as restaurants.

Shop with Points

Use ThankYou® Points to shop online at or

Pay with Points

Redeem points in certain categories to cover recent purchases with a statement credit.

Travel Rewards

Redeem for flights, hotels, cruises, and more.

No Expiration and No Limit on Earning Points

ThankYou® Points don’t expire and there’s no limit on the number of points you can earn with this card.


Digital Wallets

Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at

Tap Your Card with Contactless Pay

Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.

24/7 Customer Service

Our customer service representatives are available to assist you 24 hours a day, 7 days a week.

Citi Entertainment®

Citi Entertainment® takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.



Please note that the terms and benefits of this product may change over time.

Citi does not guarantee the accuracy of these reviews. Benefits, fees, terms, and offers mentioned in reviews may change over time.


Introductory rate of % for months from the date of account opening on purchases and an introductory rate of % for months from date of first transfer for balance transfers completed in first 4 months account is open. After the introductory period ends, your standard APR for purchases will be applied to unpaid promotional balances, new purchases and new balance transfers. The standard variable APR for purchases for the Citi Rewards+® Card is % - % based on your creditworthiness. The standard variable APR for Citi Flex Plan is % - %, based on your creditworthiness. The standard variable APR for cash advances is %. The variable penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge — $0.50. Annual Fee – None. Fee for foreign purchases — 3% of each purchase transaction in US dollars. Cash advance fee — either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee — intro fee of % of each transfer ($ minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($ minimum). New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.