Citi Rewards Plus Credit Card

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Citi Rewards Plus

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  • 15,000 reward points awarded as a bonus within the first three months
  • 0% APR for 15 months on Purchases and Balance Transfers
  • Reward points rounded up to nearest 10


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  • Reward points rounded up to nearest 10
  • No annual fees
  • Double rewards on qualifying purchases


Citi Rewards Plus Card Credit Card Summary

The Citi Rewards Plus Card comes with several perks that make this a good option for those who are looking for a credit card that gives them an opportunity to earn rewards in multiple ways. While certain limitations are placed when it comes to earning rewards, basic points that accumulate in the reward system of a customer’s account does seem to have no limit.

The card comes with a generous welcome bonus offer that awards the customer points to the value of $150, but there are terms that need to be met for the customer to qualify. There is an intro offer that comes with the card as well, proving no APR on all transactions within the first 15 months. Transaction fees, however, still applies when a Balance Transfer is made.

Customers do need to note that the card requires a good standing credit record. When approved, the customer is able to enjoy the benefits that come with the Citi Rewards Plus Card, along with the advantage of not having to pay any annual fees.


PROS:
  • 15,000 reward points awarded as a bonus within the first three months
  • 0% APR for 15 months on Purchases and Balance Transfers
  • Reward points rounded up to nearest 10

CONS:
  • Minimum spend of $1,000 within three months to qualify for the welcome bonus
  • Double point system limits rewards to $6,000 in purchases per year
  • 3% foreign transaction fee


Best Features

There is a number of beneficial features that customers do seem to enjoy with the Citi Rewards+ card. The fact that there is no annual fee is a significant benefit, as there is no need for the customer first to calculate their earning potential in terms of reward points to ensure they would be able to cover an annual fee with this card.

The intro offer that comes with the Citi Rewards+ card provides a 0% APR on Balance Transfers and purchases that are made with the product during the first 15 months after the customer receives the card. The customer is also awarded 10,000 bonus points if they spend more than $1,000 within the first three months after the account was opened.


Drawbacks

The Citi Rewards Plus Card does come with several perks, but there are also certain drawbacks to consider. Once the 15-month intro period has expired, the customer will start paying an APR that is variable. The customer will pay an APR that is dependent on their credit record. There is also a limit in terms of how much double points the customer can be awarded.


Overall Summary

The Citi Rewards Plus Card has several advantages that customers can benefit from if they do qualify for the product. There is a minimum credit score that the customer needs to have if they wish to apply for the card. The product does come with a convenient introductory period, along with a welcome bonus offer. Terms and conditions do apply on the welcome offer, however, so customers should ensure they read through the criteria that need to be met for the bonus reward points to be awarded to their account. There is a foreign transaction fee on the card, and the customer starts paying a variable APR on the transactions made following the 15 month intro period.


Who this card is best for

The Citi Rewards+ Card is a great option for those who need a product that does not come with expensive annual fees, but one that is still able to offer them perks when shopping. The card offers cashback reward points that can be exchanged for gift cards, so the person applying for this card should be comfortable with this limitation. The card may not be ideal for people who travel abroad, due to the foreign transaction fee, and also not for those who want to use cashback rewards as a statement credit.

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