Citi Rewards + Full Review
Memory card type
The Citi Rewards+ Card is a rewards credit card. You can earn points for everyday expenses to redeem for flexible rewards.
Annual fee
There is no annual fee for this card.
Quotes welcome
Earn 20,000 bonus points if you spend $1,500 within three months of account opening.
Компенсація
Earn Double ThankYou® Points at supermarkets and gas stations on the first $6,000 per year, and Double Points thereafter. Plus, earn 1X points on all other purchases. For a limited time, earn 5 ThankYou® points per $1 on air travel and up to $6,000 in hotel purchases in the first 12 months, and 1 ThankYou® point for every $1 thereafter integral. The points you earn per purchase will be rounded up to the nearest 10 – for example, a $5 purchase in a non-rewards category will earn you 10 points, and a $74 purchase in a non-rewards category will earn you 80 points.
When you’re ready to redeem, you can choose from some flexible redemption options, including bill credit to pay for purchases, shopping with points at select retailers, travel, and gift cards. Plus, you’ll get 10% back on the first 100,000 points you redeem each year. For example, if you redeem your 20,000 welcome bonus, you will receive 2,000 of those points back into your account.
Вартість
The Citi Rewards+ Card has no annual fee and 0% APR on purchases and balance transfers for 15 months (variable APR from 13.74% – 23.74% thereafter). If you choose to transfer your balance to pay off your debt, you must do so within the first four months. During this period, the balance transfer fee is 3% (minimum $5); after that, you pay 5% (minimum $5).
There is a 3% foreign transaction fee. If you pay late or receive a refund, you may be charged up to $40 and up to 29.99% APR.
How to use your Citi Rewards+ card
Spend to earn introductory bonuses
To get the most out of your Citi Rewards+ card, earn 20,000 introductory benefits when you spend at least $1,500 in the first three months.
Daily expenses
Since then, the card has been a great tool for everyday expenses. If you have other cards that earn income in categories like food or travel, use this card for any purchases that don’t fall into the higher income categories, especially small purchases that earn more rewards through rounding. And use it for all your supermarket and gas station expenses, at least until you hit the $6,000 annual cap of 2x points.
ДИВІТЬСЯ ТАКОЖ!
- Огляд картки American Express Centurion Black
- Кредитна картка X1 – перевірте, як подати заявку.
- Кредитна картка Destiny – як замовити онлайн.
- Огляд картки Delta Skymiles® Reserve American Express – більше.
- American Express зосереджується на взаємодії з клієнтами завдяки новому поточному рахунку та оновленій програмі
Large purchases and debt repayments
If you have significant pending purchases or high-interest debt, you can take advantage of the Citi Rewards+ card’s 0% interest offer for the first 15 months. Remember to pay off your full balance before the 15 months are due or you will have to pay off your purchases with a high variable APR.
Redeem points
When you’re ready to redeem, you have a variety of options available through Citi’s ThankYou Rewards program. You can redeem rewards for future travel bookings, credits to your account, online point purchases, gift cards or merchandise through ThankYou Travel Center. You can also use your CitiThankYou points to make charitable donations or pay off student loans or mortgages. Regardless of how you choose to redeem, you can also earn 10% annually on the first 100,000 points you redeem.
Is the Citi Rewards+ Card Right for You?
The Citi Rewards+ card is best for those who make small purchases frequently, thanks to its rounding feature.
2x points on purchases up to $6,000 at supermarkets and gas stations with this card can mean a great annual point bonus, but it’s not the highest reward you’ll find in these categories, even among other credit cards with no annual fee .
Instead, what sets this card apart from the rest are the combined features. If you make a monthly trip to the supermarket and fill your tank with about the same amount, you may benefit more from a card with higher rewards in these categories, such as: B. American Express Blue Cash Everyday® Card or Bank of America® Customized Cash Rewards Credit Card*.
However, if you frequently shop commute from get off work or go to the gas station a few times a week due to your long commute, round up each smaller purchase to the nearest in addition to everything else you buy along the way The entire itinerary of 10 minutes a day can add up quickly. Finally, even a pack of $0.99 gum gets 10 points.
Before applying for this card, you should consider the face value of the rewards and how the card’s unique features align with your typical spending habits.
ДИВІТЬСЯ ТАКОЖ!
- Огляд картки American Express Centurion Black
- Кредитна картка X1 – перевірте, як подати заявку.
- Кредитна картка Destiny – як замовити онлайн.
- Огляд картки Delta Skymiles® Reserve American Express – більше.
- American Express зосереджується на взаємодії з клієнтами завдяки новому поточному рахунку та оновленій програмі
