Citi Rewards+ Card Review 2024
09.02.2024 - 11:36
/ insider.com
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The information for the following product(s) has been collected independently by Business Insider: Citi Rewards+® Card, Citi Premier® Card, Citi Prestige® Card, Chase Freedom Flex℠, Citi® Double Cash Card, Citi Custom Cash℠ Card. The details for these products have not been reviewed or provided by the issuer.
The Citi Rewards+® Card has a unique earning structure and is worth considering if you're looking for a flexible rewards card with no annual fee. However, if you prefer cash back, there are better options that have the potential to earn higher rewards.
If you're looking for a no-annual-fee credit card that earns flexible points, the Citi Rewards+® Card is an interesting option.
Earn 5X ThankYou® points on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal (offer ends June 30, 2024). Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
$0
0% intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening
18.74% - 28.74% Variable
Earn 20,000 bonus points
Good to Excellent
The Citi Rewards+® Card has a unique earning structure and is worth considering if you're looking for a flexible rewards card with no annual fee. However, if you prefer cash back, there are better options that have the potential to earn higher rewards.
The Citi Rewards+® Card has a unique way of earning points, an annual points rebate, and a welcome bonus offer of 20,000 bonus points after spending $1,500 in the first three months of account opening. That's worth $250 in gift cards, and there are other options for redeeming rewards, like travel and merchandise.
You'll earn 5 total ThankYou® Points per dollar spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024, 2x Citi ThankYou points at supermarkets and gas stations for the first $6,000 each year (then 1x), and 1 point per dollar on all other purchases. The points you earn for every purchase automatically round up to the nearest 10 points, and you'll get back 10% of the first 100,000 points you redeem per calendar year.
This is the only card that offers both the round-up and rebate features, which makes it a standout, especially among no-annual-fee cards. The rewards system makes it ideal for small purchases, and because it's a ThankYou