Credit CardsBalance Transfer ReviewsCiti Rewards+SM Card Review
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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.Apply Now
Cash Advance APR
Sign up Bonus
Foreign Transaction Fees
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.
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, youâ€™d pay off your debt in 35 months with total interest and fees amounting to $753.91, based on the average regular APR.