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Citi Rewards+SM Card Review

The basics

Balance transfer details

Intro APR


Intro Period

15 months


3% or $5 whichever is greater

Annual Fee


Regular APR

13.49% - 23.49% var

Credit Score Required


Good for: Smaller, everyday purchases

Our verdict

The Citi Rewards+SM Card has one of the best sign-up bonuses and rewards programs for those looking to use this as an everyday card beyond paying off debt from a balance transfer. At 15 months, the 0% introductory APR is a bit shorter than other cards, and there are some limitations on how you can spend your points, including caps on bonus categories.

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Beyond the basics

  • Sign-up bonus
  • 0% introductory APR for 15 months
  • No annual fee
  • Round Up points
  • Double rewards points in certain categories

Purchase APR

0% for 15 months

Cash Advance APR


Penalty APR

Up to 29.99%

Sign up Bonus

20000 Bonus points

Foreign Transaction Fees


Late Fees

After 1 year, $40



Full review

Lender description Citi provides a wide range of financial services and products for consumers, companies, and government agencies and institutions with a goal of enabling growth and economic progress.

Best used for

  • Everyday spending
  • Paying off debt

Pros & cons

  • Reward points automatically round up to the nearest 10 points on every purchase
  • 0% introductory APR for 15 months on balance transfers and new purchases
  • No annual fee
  • Spending cap on earnings from certain bonus categories
  • Limited travel transfer partners with ThankYou Points
  • Balance transfer fee of $5 or 3% of the amount transferred, whichever is greater

Most suitable for

Card reward details The Citi Rewards Card is the only card that rounds up to the nearest 10 points on every purchase. The card comes with 20,000 bonus points after spending $1,500 within three months of account opening, redeemable as $200 worth of gift cards. Supermarkets and gas station purchases are eligible for double ThankYou Points for the first $6,000 a year.

How to apply Apply online. Existing Citi customers will have a shortened application.

Available The Citi Rewards+SM Card is available nationwide.

Balance transfer example If you have a balance of $6,200 with an APR of 18.49% and pay $200 toward the balance each month, you would pay off your debt in 44 months with a total interest of $2,294.80. If you transferred that balance and still paid $200 each month, you’d pay off your debt in 35 months with total interest and fees amounting to $753.91, based on the average regular APR.