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Citi Rewards+®
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Score Needed: Good
Citi Rewards+®
At a glance
Welcome Offer

Earn 20,000 bonus points after spending $1,500 within the first 3 months of account opening, redeemable for $200 in gift cards or travel rewards at thankyou.com.

Limited Time Offer
New Offer
All time high
Rewards

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

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

1X
Points on other purchases
Intro APR
0% for 15 months on Purchases
Balance Transfer Intro
0% for 15 months on Balance Transfers
Regular APR
18.24% - 28.24% (Variable)
Annual Fee
$0
Citi Rewards+®

The Citi Rewards+® Card is your go-to for maximizing everyday purchases. Earn 2x ThankYou® Points at supermarkets and gas stations, plus 1x on all other purchases. Unique round-up feature boosts points on every transaction. Enjoy a low intro APR on balance transfers and purchases. Redeem points easily for travel, gift cards, or statement credits.

Application Tips
Get the best results with each application
Thinking About 2 Cards?

Notes: No direct line to the reconsideration department. They will usually only reconsider an application due to an error only.

Limit Increase
Credit Inquires
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Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax (depending on your state, search your state in our credit card database)
Application Inquires Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined.
Welcome Offer Eligibility:
Downgrade Options
Getting your card
Rescore your report: Executive call 605-331-1698 — 1-866-713-5028: Fax

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
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Purchase Protection

Purchase Protection

With your Citi Rewards Credit Card shop with more confidence – Purchase Protection covers purchases made with your Citi Rewards Card if they are damaged or stolen within 90 days of purchase. You’re covered for up to USD 2,000 per claim and a maximum of USD 5,000 over a 12-month period. The item will either be replaced with a brand new one, or you will be reimbursed for the full value of the item as per the store receipt.

Extended Warranty

Extended Warranty

Get an extra 24 months added to your warranty when you purchase items at least in part with your Citi card and/or ThankYou® Points. If your eligible item breaks, we’ll repair, reimburse or replace it, up to the amount charged on your Citi card and/or ThankYou® Points or up to $10,000 per item, whichever is less.

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.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your to any of the following Citi Travel Partners.
Points Transfer Partners
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
0% for 15 months on Balance Transfers
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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Why We Like it

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Considerations

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Upgrade Your Wallet!
Citi Rewards+® Click learn more to see if you qualify
Learn More
links to card app page
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More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
Travel & Shopping
Top 9 Cards for Online Shopping
links to article
Financial Planning
Why Every Business Should Have a Line of Credit
links to article
Financial Planning
Unsecured Line Of Credit. What It Is And How To Get One
links to article
Travel & Shopping
The 9 Best Cards for Online Shopping
links to article