Citi Rewards+SM Card

Credit CardsBalance Transfer ReviewsCiti Rewards+SM Card

Citi Rewards+SM Card

The basics

Balance transfer details

Intro APR

0%

Intro Period

15 months

Fee

3% or $5, whichever is greater

Annual Fee

$0

Regular APR

13.49% – 23.49% var

Credit Score Required

Excellent

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

  • Signup 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

25.24%

Penalty APR

up to 29.99%

Sign up Bonus

15,000 Bonus points

Foreign Transaction Fees

3%

Late Fees

Network

Mastercard

J.D Power Customer satisfaction Index 2019: 799/1000

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

  • Debt consolidation
  • Home improvement
  • Wedding
  • Moving and relocation
  • Vacation

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

  • Consumers looking to pay down high-interest credit card debt
  • Consumers looking for an everyday card post-balance transfer

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 15,000 bonus points after spending $1,000 within three months of account opening. Supermarkets and gas station purchases are eligible for double ThankYou Points for the first $6,000 a year.

How to apply Apply online or by phone at 1-877-645-3708. Existing Citi customers will have a shortened application.

COVID-19 resources Citi offers COVID-19 assistance, upon request, to credit card users.

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.