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Rewards+®

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Rewards+®
4.0

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

17.99% - 27.99% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2x ThankYou® points per $1 spent at supermarkets and gas stations for the first $6,000 per year. Earn 1x ThankYou® point per $1 spent on all other purchases. Plus, enjoy more points with the only credit card that automatically rounds up to the nearest 10 points on every purchase (e.g., a $2 parking meter earns 10 points). Limited time offer: Earn 5x ThankYou® points on hotel, car rentals, and attractions (excluding air travel) booked through the Citi Travel℠ portal until 12/31/2025.

1x - 5x Points

Welcome Offer Earn 20,000 bonus points after spending $1,500 in the first 3 months.

20,000 Points

  • Welcome Offer: Earn 20,000 bonus points after spending $1,500 in the first 3 months. That’s $200 in gift cards or travel rewards at thankyou.com.
  • 5x Points (Limited Time Offer): Earn 5x points on hotel, car rentals and attractions (excluding air travel) through the Citi Travel℠ portal until 12/31/2025.
  • 2x Points: Earn 2x points at supermarkets and gas stations for the first $6,000 per year.
  • 1x Point: Earn 1x point on all other purchases.
  • Round Up to Nearest 10 Points: Automatically rounds up to the nearest 10 points on every purchase (e.g., a $2 parking meter earns 10 points).
  • Annual Fee: None.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
  • 0% Intro APR on Purchases: For 15 months from account opening.
  • 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 120 days.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 17.99% - 27.99% applies to purchases and balance transfers.
  • Redeem Rewards: Use points for gift cards, travel, purchases at Amazon.com and BestBuy.com®, or apply as statement credit.
  • 10% Points Back: Get 10% of your points back when you redeem up to the first 100,000 points per year. For example, redeem 10,000 points for a $100 gift card and get 1,000 points back.
  • Citi Entertainment®: Access tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sporting events, dining, and more.
  • Other Benefits: Includes digital wallets, contactless payments, Citi® Quick Lock, access to your FICO score, enhanced security with EMV Chip technology, and 24/7 customer service.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Citi Rewards+® credit card features a unique benefit that rounds up every point earned, providing extra rewards on small purchases. It also offers a welcome bonus and 0% intro APR offers on purchases and balance transfers. This card is ideal for those who frequently make small purchases and want to maximize their rewards, as well as for individuals looking for a strong introductory offer and no annual fee.