Citi Rewards+® Credit Card
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) |
15.74% - 25.74% (Verified 08/12/2022) |
| Balance Transfer APR (Variable APR) |
15.74% - 25.74% (Verified 08/12/2022) |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
Citi Rewards+® Credit Card Review
This is a rewards card issued by Citi®. If you're wondering whether Citi Rewards+® Credit Card is the right card for you, read on.
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+® Credit Card has a variable purchase APR that ranges from 15.74% up to 25.74%.
- 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+® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Citi Rewards+® Credit Card
| The Good | The Bad |
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Citi Rewards+® Credit Card FAQ
Does Citi Rewards+® Credit Card have a cash back or rewards program?
Citi Rewards+® Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 2x |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 15000 |
| Signup Bonus Spend Requirement | $1000 |
| Signup Bonus Spend Period (months) | 3 months |
Does Citi Rewards+® Credit Card have a signup bonus?
This 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+® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Citi Rewards+® Credit Card benefits?
It provides the following benefits:
- Free Credit Score
- Zero fraud liability
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Citi Rewards+® Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Citi Rewards+® Credit Card has a variable purchase APR that ranges from 15.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 25.74%. It also has a variable cash advance APR of 27.49% . 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+® Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 15 months |
| Balance Transfer APR | 15.74% - 25.74% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Citi Rewards+® Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 15 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.
What are the fees for Citi Rewards+® Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $41 |
| Late Payment Fee | up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Citi Rewards+® Credit Card have a foreign transaction fee?
Citi Rewards+® Credit 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 foreign transaction fees.What is the customer service phone number for Citi Rewards+® Credit Card?
The Citi Rewards+® Credit Card customer service number is (800) 950-5114.
What is the support contact email for Citi Rewards+® Credit Card?
The support contact email for Citi Rewards+® Credit Card is customer.help@citi.com.
What is the Citi Rewards+® Credit Card login page?
You can access the Citi Rewards+® Credit Card login page here.
How do people rate the customer service and user experience of Citi Rewards+® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Citi Rewards+® Credit Card report your account activity to credit bureaus?
Yes, Citi Rewards+® Credit 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 may help improve your credit.
How to apply for Citi Rewards+® Credit Card
- Visit the Citi Rewards+® Credit 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 USA - (800) 950-5114
- Visit Site
- Email Support
Other Services by Citi®
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 15 months |
Citi Rewards+® Credit Card Community Reviews
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