Citi Rewards+® Card

Citibank Mastercard Pending

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12

Benefits

3

Reward Categories

2x

Max Reward

19.2%

APR From

Basic Information

PENDING

Program ID: citi-rewards-plus-card

Issuer: Citibank

Card Name: Citi Rewards+® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:38

Last Scraped: Feb 08, 2026 15:22

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible Servicemembers may qualify for benefits under the Servicemembers Civil Relief Act (SCRA) on Citibank credit card accounts, including a reduced APR of 0% on balances existing prior to active duty and 4% on new purchases and cash advances made during active duty.

Rewards Program (Detailed) 3 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Groceries	2x	Points	Purchases at supermarkets. Applies to the first $6,000 spent annually across supermarkets and gas stations combined.	$6,000
Gas	2x	Points	Purchases at gas stations. Applies to the first $6,000 spent annually across supermarkets and gas stations combined.	$6,000
All Other Purchases	1x	Points	All purchases not categorized as supermarkets or gas stations, and purchases at supermarkets and gas stations after the combined annual cap of $6,000 is met.	No Cap

Rewards Summary

PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x Supermarkets, 2x Gas Stations

Quarterly Rotating: No

Cap Amount: $6,000.00

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 2x

Redemption Penalties: Points redeemed for cash back or direct deposit are valued at 0.5 cents per point. Points redeemed for gift cards are valued at 0.8 cents per point. Minimum redemption thresholds apply (e.g., 1,000 points for cash back).

Benefits & Protections (Detailed) 12 Total

PENDING

Financial 1

No Annual Fee

$0 Annual Fee

There is no annual fee for this credit card.

Lifestyle 1

Citi Entertainment Access

Exclusive access

Access to presale tickets and exclusive experiences for thousands of events, including concerts, sporting events, and more.

Rewards 4

Accelerated Rewards on Supermarkets & Gas Stations

2 ThankYou® Points per $1 (on the first $6,000 spent per year, then 1 point per $1)

Earn 2 ThankYou® Points for every $1 spent at supermarkets and gas stations.

Standard Rewards on All Other Purchases

1 ThankYou® Point per $1

Earn 1 ThankYou® Point for every $1 spent on all other purchases.

Purchase Point Round-Up

Rounds up to nearest 10 points

Every purchase is automatically rounded up to the nearest 10 ThankYou® Points. For example, a $2 purchase earns 10 points, and a $22 purchase earns 30 points.

10% Points Back on Redemptions

10% points back (up to 100,000 points redeemed annually)

Get 10% of your ThankYou® Points back on the first 100,000 ThankYou® Points you redeem each year.

Security 6

$0 Liability on Unauthorized Charges

$0 Liability

You will not be held responsible for unauthorized charges made with your card or account information.

Citi® Identity Theft Solutions

Assistance provided

Assistance with identity theft resolution services if your identity is stolen.

Lost or Stolen Card Replacement

Expedited replacement

Expedited replacement of your credit card if it is lost or stolen.

Digital Wallets Compatibility

Compatibility

Use your card with popular digital wallets like Apple Pay®, Google Pay™, and Samsung Pay®.

Account Alerts

Customizable alerts

Receive alerts via email or text for important account activity, such as large purchases or payments due.

Contactless Payment

Convenience

Tap to pay securely at millions of merchant locations worldwide.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus

PENDING

20,000

Points/Miles

Requirement: Spend $1,500 in 90 days

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Authorized User Fee:	$0.00
Min Interest Charge:	$0.50

Additional Fees

PENDING

Late Fee:	$41.00
Returned Payment:	$41.00
Balance Transfer:	Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 19.24% - 29.24%

Balance Transfer APR: 19.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 850

Approval Odds

Good

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Available

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: Eligibility for the new cardmember bonus on the Citi Rewards+ Card is subject to Citibank's 24-month rule. This rule states that you are generally not eligible for a new cardmember bonus if you have received a bonus for a Citi Rewards+ Card, Citi ThankYou Preferred Card, Citi ThankYou Premier Card, or Citi Prestige Card in the past 24 months. Additionally, Citibank typically enforces an application velocity rule: applicants are generally limited to one new Citi credit card approval every 8 days and no more than two new Citi credit card approvals every 65 days. A strong credit history and score are required for approval.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across all Citi accounts, rapid application for multiple cards (especially if exceeding velocity rules), abuse of return policies to meet spend, repeated opening and closing of accounts solely for bonuses (churning), suspicious spending patterns inconsistent with income, and late payments.

Cliff Effect Rules: The primary 'cliff effect' is the 24-month bonus eligibility rule, which applies across the Citi ThankYou Rewards card family. Receiving a bonus on any card within this family (Rewards+, ThankYou Preferred, ThankYou Premier, Prestige) will reset the 24-month clock for eligibility on other cards in the same family. This means strategizing the timing of applications to maximize bonus potential across different ThankYou products.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Users highly value the unique rounding feature for small purchases, ensuring every transaction earns at least 10 ThankYou points. The card offers a solid sign-up bonus and has no annual fee, making it an attractive option for everyday spending and accumulating points.

Top Negative:
The primary drawbacks include a relatively low base earning rate (1x on most purchases after the initial bonus cap) and the presence of foreign transaction fees, which limit its utility for international travel or high-spending categories.

Approval Experience: 75.0 / 100

Recommended Alternatives

Chase Freedom Unlimited
Capital One SavorOne Cash Rewards Credit Card
Discover it Cash Back

Card Value Score: 75.0 / 100

Est. Annual Rewards: $220.00

Approval Probability: 85.0%

Version Control

PENDING

Version ID: CITI-0000-0000-0000 (02/24)

⚠️ Change Alert: Important changes have been made to the terms and conditions.

Summary of Changes:

Effective February 20, 2024, we are making the following changes to your Agreement: - We are updating the name of the Citi Rewards+ Card to Citi Rewards+℠ Card. - We are updating the name of the Citi Rewards+ Account to Citi Rewards+℠ Account. - We are updating the name of the Citi Rewards+ Program to Citi Rewards+℠ Program.