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  Citi Rewards+SM  Card

Citi Rewards+SM Card

in Personal Credit Cards from Citibank

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Citi Rewards+SM Card

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in Personal Credit Cards from Citibank

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Highlights
Highlights
Purchase APR  (Variable APR) 14.99% - 24.99%
Balance Transfer APR  (Variable APR) 14.99% - 24.99%
Credit Score Range 700 - 850
Annual Fee $0

Citi Rewards+SM Card Review

Citi Rewards+SM Card is a rewards credit card issued by Citibank. If you're wondering whether Citi Rewards+SM Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Signup bonus. Offers a signup bonus of 15000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Citi Rewards+SM Card has a variable purchase APR that ranges from 14.99% up to 24.99%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Citi Rewards+SM Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
Citi Rewards+SM Card Pros & Cons
The Good The Bad
  • Round Up to the nearest 10 points on every purchase — with no cap. So your $2 coffee earns 10 points. And a $22 dinner for two earns 30 points.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Citi Rewards+SM Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Citi Bank no longer offer many different benefits such as travel insurance, car rental insurance, baggage protection, return protection, and roadside assistance on its credit cards.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card rewards.
Citi Rewards+SM Card FAQ

Is there a Citi Rewards+SM Card cash back or rewards program?

Citi Rewards+SM Card offers a rewards program to its customers.

Citi Rewards+SM Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 15000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Citi Rewards+SM Card have a signup bonus?

Citi Rewards+SM Card doesn't offer a cash signup bonus. However, it does include a 15000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Citi Rewards+SM Card offer an annual loyalty bonus?

Citi Rewards+SM Card doesn't offer a cash loyalty bonus.

What are the Citi Rewards+SM Card benefits?

Citi Rewards+SM Card provides the following benefits:

  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Citi Rewards+SM Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citi Rewards+SM Card has lower than average purchase APRs.

Citi Rewards+SM Card has a variable purchase APR that ranges from 14.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 24.99%. It also has a variable cash advance APR of 26.74% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Citi Rewards+SM Card have an introductory APR offer on balance transfers?

Yes, Citi Rewards+SM Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

Citi Rewards+SM Card Balance Transfers
Description
Balance Transfer APR 14.99% - 24.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does Citi Rewards+SM Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

Citi Rewards+SM Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 15

What are the fees for Citi Rewards+SM Card?

The following fees apply to Citi Rewards+SM Card:

Citi Rewards+SM Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Citi Rewards+SM Card have a foreign transaction fee?

Citi Rewards+SM Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Citi Rewards+SM Card report your account activity to credit bureaus?

Citi Rewards+SM Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Citi Rewards+SM Card

  • Visit the Citi Rewards+SM Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Gas (Points) 2
Every Purchase (Points) Earn 1 ThankYou® Point per $1 spent on all other purchases.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Bonus Rewards Earn 15,000 bonus points after spending $1,000 within the first 3 months of account opening.
No Blackout Dates  
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
Signup Bonus (points) 15,000
Rewards Type Points
Cash Advance APR (Variable APR) 26.74%
Balance Computation daily balance (including current transactions).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 14.99% - 24.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 14.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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