Citi Rewards+® Card
Basic Information
Program ID: citi-rewards-plus-card
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:38
Last Scraped: 01/15/2026 15:40
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 3% 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $1,500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Supermarkets, 2x Gas Stations. All other purchases round up to the nearest 10 ThankYou Points.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: JetBlue TrueBlue, Choice Privileges. Full list of airline partners (e.g., Avianca LifeMiles, Turkish Miles&Smiles, Virgin Atlantic Flying Club) available when combined with a premium Citi ThankYou card like Citi Premier.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the welcome bonus on the Citi Rewards+ card is subject to Citibank's 24-month rule. Applicants are generally not eligible for a new cardmember bonus if they have received a bonus for the Citi Rewards+ card, or for any card in the ThankYou Points family (e.g., Citi Premier, Citi Custom Cash, etc.), or closed such an account, within the past 24 months. Citibank also enforces application velocity rules, typically allowing no more than one new credit card approval within an 8-day period and no more than two new credit card approvals within a 65-day period across all Citi credit card products.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (especially high volumes or unusual patterns), high cumulative credit limit across all Citi accounts relative to income, excessive credit cycling (paying off balances multiple times within a statement period), abuse of return policies to meet spending requirements, rapid application for multiple cards across different issuers, frequent opening and closing of accounts (churning behavior), suspicious or fraudulent activity, failure to make timely payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Automatic rounding up of rewards to the nearest 10 points is a great perk, especially for small purchases. Good for everyday spending and offers a decent sign-up bonus.
Top Negative Feedback:
Rewards rate can be low for larger purchases compared to other cards, and the 10% points back on redemptions is capped.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards
Card Value Score: 75.0 / 100
Est. Annual Rewards: $350.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: CRPC-0723-V1.2