Citi Rewards Plus Card Review: Benefits | 5X ThankYou Points

The Citi Rewards+ Card is a great rewards card option for those looking to earn rewards without having to pay an annual fee. One of the unique features of this card is the "Round Up" feature, which automatically rounds up your purchases to the nearest 10 points, allowing you to earn more rewards points faster. Additionally, new cardholders can enjoy a sign-up bonus of 15,000 points after spending $1,000 within the first three months of account opening.

While there are other Citi cards available such as the Citi Premier Card and Citi Prestige Card, the Citi Rewards+ Card offers its own set of benefits that make it stand out from the rest. For example, if you're someone who frequently travels or enjoys earning rewards on travel-related purchases, then the Citi Premier Card may be a better fit for you. However, if you're looking for a simple and straightforward rewards card with no annual fee, then the Citi Rewards+ Card may be just what you need.

One benefit of using the Citi Rewards+ Card is that it allows you to earn cash rewards on your purchases. You can use these cash rewards towards statement credits or even transfer them to other eligible Citi accounts. The card also comes with an introductory APR offer on balance transfers and purchases.

It's important to consider factors such as your credit history and spending habits. If you're someone who tends to carry a balance from month-to-month, then it's worth noting that the Citi Rewards+ Card has a relatively high APR compared to other rewards credit cards.

In terms of overall value and benefits offered by the card, many users have given positive reviews for their experience with using the Citi Rewards+ Card. Some have noted that while they don't necessarily use the "Round Up" feature all that often, they appreciate having it as an option for earning more rewards points.

How Citi Rewards plus Card Works: A Comprehensive Review

"Round Up" for Faster Rewards Accumulation

One of the unique features of Citi Rewards+ Card is its "Round Up" feature, which automatically rounds up the points earned on every purchase to the nearest 10 points. This means that if you make a $5 purchase, you'll earn 15 points instead of just 5. This feature makes it easier to accumulate rewards faster, especially for small purchases.

For example, let's say you buy a cup of coffee every day for $2.50. With most reward cards, you would earn only 2-3 points per dollar spent, which means you would have to spend $833-$1,250 just to earn enough points for a $25 gift card (assuming a redemption rate of 2,500-3,750 points). However, with Citi Rewards+ Card's "Round Up" feature, you would earn at least 8 points per purchase (assuming your total purchase is rounded up to $3), which means you would only need to make about 104-156 purchases to earn enough points for the same reward. That's a significant difference in terms of time and effort!

10% Points Back on Redemptions

Another great feature of Citi Rewards+ Card is its 10% points back on the first 100,000 points redeemed per year. This means that when you redeem your rewards for statement credits or other eligible redemptions, you'll get back 10% of the redeemed amount as bonus points within one billing cycle.

For example, if you redeem 10,000 points for a $100 statement credit (assuming a redemption rate of 1 cent per point), you'll get back 1,000 bonus points within one billing cycle. These bonus points can be used towards future redemptions and can help you earn more rewards even when you're redeeming them.

No Annual Fee and Sign-Up Bonus

Citi Rewards+ Card also offers other benefits that make it a great option for those who want to earn rewards without having to pay extra fees. The card has no annual fee, which means you won't have to worry about paying extra money just to use the card.

Furthermore, the card comes with a sign-up bonus of 15,000 bonus points after spending $1,000 in purchases within the first three months of account opening. This is a great way to start earning rewards right away and can help you reach your redemption goals faster.

Understanding the 5X ThankYou Points Feature of Citi Rewards+ Card

"Round Up" Your ThankYou Points with Citi Rewards+ Card

Citi Rewards+ Card offers a unique feature called "Round Up," which allows cardholders to earn points on small purchases and save time by automatically rounding up the points earned to the nearest 10. For example, if you make a purchase of $2.50, you will earn 10 ThankYou Points instead of just 2.5 points. This means that you can accumulate more points faster and redeem them for rewards sooner.

The card also offers a sign-up bonus of 15,000 points after spending $1,000 within the first three months, which can be redeemed for travel, merchandise, gift cards, and more. This saves time searching for rewards since there are so many options available. Plus, the card has no annual fee, which saves time and money compared to other rewards cards that charge an annual fee.

Redeeming your ThankYou Points is easy with Citi Rewards+ Card. You can use your points to book travel through the Citi ThankYou Travel Center or transfer them to airline partners such as JetBlue TrueBlue and Virgin Atlantic Flying Club. Alternatively, you can use your points to shop online at Amazon.com or BestBuy.com or redeem them for gift cards from popular retailers such as Target and Starbucks.

0% Introductory APR on Balance Transfers and Purchases

In addition to its unique Round Up feature and sign-up bonus offer, Citi Rewards+ Card also offers a 0% introductory APR on balance transfers and purchases for the first 15 months. This gives cardholders more time to pay off their balances without accruing interest.

If you have high-interest credit card debt on another card(s), transferring it over to Citi Rewards+ Card could save you both time and money in interest charges. Plus, you'll earn ThankYou Points on the balance transfer amount as well.

Earn More Points with Citi Rewards+ Card

Citi Rewards+ Card offers 1x points on all other purchases, which is not as high as some other rewards cards. However, the Round Up feature allows you to earn more points on small purchases and the sign-up bonus offer gives you a head start in accumulating points.

If you're looking for a rewards card that offers unique features and benefits, Citi Rewards+ Card may be worth considering. With no annual fee, 0% introductory APR on balance transfers and purchases, and the ability to earn ThankYou Points faster with Round Up feature, this card could save you both time and money while earning rewards at the same time.

Other Benefits of Citi Rewards+ Card You Need to Know

1. Citi Rewards+ Card is a great option for those looking for a rewards credit card with high rewards rate.

The Citi Rewards+ Card is an excellent choice for anyone looking to maximize their rewards. With this card, customers earn 1x points on all purchases, making it an ideal everyday card. Additionally, the card offers bonus points in select categories, including supermarkets and gas stations.

One of the unique features of the Citi Rewards+ Card is that it rounds up every purchase to the nearest 10 points. For example, if you make a $5 purchase, you will earn 10 points instead of just five. This feature maximizes your earning potential and makes it easier to accumulate points quickly.

1. As a card issuer, Citi offers competitive rewards rates and benefits that make it stand out among other rewards credit cards.

Citi is known for its competitive rewards rates and benefits, making it stand out among other rewards credit cards in the market. With the Citi Rewards+ Card, customers can redeem their points for gift cards, merchandise, and travel options from over 15 airline partners.

Furthermore, Citi offers additional perks such as fraud protection and extended warranty coverage on purchases made with the card. These extra benefits provide added value to customers who choose to use the Citi Rewards+ Card as their primary payment method.

1. Customers can redeem their points for gift cards, merchandise, and travel options giving them flexibility in how they use their rewards.

One of the best things about using a rewards credit card like the Citi Rewards+ Card is having access to various redemption options. Customers can choose from gift cards from popular retailers like Amazon or Target or opt for travel redemptions through partner airlines like American Airlines or JetBlue Airways.

Additionally, customers can also redeem their points for merchandise from popular brands like Apple or Bose. The flexibility in redemption options allows customers to get more value out of their points and tailor their rewards to their needs.

1. According to reviews from WalletHub, Credit Karma, and Bankrate, Citi Rewards+ Card has received high star ratings for its customer service and rewards program.

The Citi Rewards+ Card has received high praise from industry experts and customers alike. Reviews from WalletHub, Credit Karma, and Bankrate have all given the card high star ratings for its customer service and rewards program.

Customers appreciate the ease of use of the card's rewards program and the added benefits like fraud protection. Additionally, many users have found that the rounded-up points feature helps them accumulate rewards faster than they would with other cards.

Fees and Charges Associated with Citi Rewards+ Card

Rounding up Rewards Points with Citi Rewards+ Card

The Citi Rewards+ Card offers a unique feature that sets it apart from other rewards credit cards in the market. With every purchase, the card rounds up rewards points to the nearest 10, making it an attractive option for those who frequently make small purchases. For instance, if you buy a cup of coffee for $2.50, you'll earn 10 rewards points instead of just two points.

This feature can be particularly beneficial for those who are looking to maximize their rewards earning potential without overspending. It also helps prevent rewards points from expiring due to account inactivity since even small purchases can add up over time.

15,000 Bonus Points Offer

In addition to its rounding-up feature, the Citi Rewards+ Card also comes with a generous sign-up bonus offer of 15,000 bonus points after spending $1,000 within the first three months of account opening. This is equivalent to a $150 gift card that can be redeemed at participating merchants.

However, it's important to note that this offer is only available for new cardholders and may not be combined with other promotions or offers. Additionally, there are certain spending requirements that must be met before the bonus points can be credited to your account.

Low-Cost Credit Card Option

One of the most appealing aspects of the Citi Rewards+ Card is its low-cost structure. The card has no annual fee and offers a 0% introductory APR on purchases and balance transfers for the first 15 months (after which regular rates apply). This makes it an excellent option for those looking for a low-cost credit card that still offers decent rewards earning potential.

However, as with any credit card, there are certain fees and charges associated with using the Citi Rewards+ Card. For example:

• Balance transfer fee: The balance transfer fee is either $5 or 3% of each transfer, whichever is greater.

• Annual fee: There is no annual fee for the Citi Rewards+ Card.

• Intro balance transfer fee: The intro balance transfer fee is either $5 or 3% of each transfer, whichever is greater.

• Foreign transaction fee: There is a 3% foreign transaction fee on all purchases made outside of the United States.

• Cash advance fee: The cash advance fee is either $10 or 5% of each cash advance, whichever is greater.

• Late payment fee: The late payment fee can be up to $40 depending on your account status and payment history.

It's important to keep these fees and charges in mind when deciding whether the Citi Rewards+ Card is right for you. While it may offer low-cost benefits such as no annual fees and introductory APRs, there are still certain costs associated with using the card that should be factored into your decision-making process.

Pros and Cons of Applying for Citi Rewards+ Card

More Rewards for Every Purchase Made

For those who want to maximize their rewards, the Citi Rewards+ Card is an excellent choice. With this card, you can earn more points for every purchase made. This means that you can accumulate points faster and redeem them for rewards such as merchandise, gift cards, or even cashback.

One of the unique features of the Citi Rewards+ Card is that it rounds up your rewards to the nearest 10 points on every purchase. For example, if you make a $4 coffee purchase, you'll receive 10 points instead of just four. This feature makes it easier to earn rewards quickly and efficiently.

Range of Benefits

In addition to earning more rewards, the Citi Rewards+ Card also comes with a range of benefits. These include travel and purchase protection, extended warranty coverage, and access to exclusive events.

The travel and purchase protection benefit provides coverage for lost luggage or trip cancellations due to unforeseen circumstances. The extended warranty coverage adds extra protection to eligible purchases made with the card by extending the manufacturer's warranty period.

Access to exclusive events is another perk of being a Citi Rewards+ Cardholder. You can enjoy pre-sale tickets for concerts or sporting events before they go on sale to the general public.

Bonus Points in Categories

Cardholders can earn bonus points in categories such as supermarkets and gas stations. This allows them to earn even more rewards on everyday purchases. For example, they can earn 2x points at supermarkets and gas stations for up to $6,000 per year in purchases (then 1 point per dollar after that).

The Citi Rewards+ Card also offers bonus points on other purchases such as dining and entertainment. This makes it a versatile option for those who enjoy a variety of activities. For instance, users get 2x ThankYou Points at restaurants including cafes bars lounges fast food chains etc., from local eateries around town to popular food chains. They also get 2x points on entertainment, including concerts, movies, and sporting events.

How to Apply for Citi Rewards+ Card Online?

Applying for a Citi Rewards+ Card online is an easy and straightforward process. Here are some things you need to know before applying:

Account Opening

To apply for the Citi Rewards+ Card, visit the Citibank website and click on the "Apply Now" button. You will be asked to provide personal information such as your name, address, date of birth, and Social Security number. You will also need to provide employment information and income details.

Annual Fee and Balance Transfer Fees

One of the biggest advantages of the Citi Rewards+ Card is that it charges no annual fee. This makes it an affordable option for those looking to earn rewards without paying extra fees.

If you plan on transferring a balance to your Citi Rewards+ Card, keep in mind that there is an intro balance transfer fee of either $5 or 3% of the transfer amount, whichever is greater. The balance transfer fee for all other transfers made with the card is either $5 or 3% of the transfer amount, whichever is greater.

Foreign Transaction Fees

Citi Rewards+ Card charges a foreign transaction fee of 3% on all purchases made outside of the United States. If you frequently travel abroad or make purchases from foreign merchants, this fee can add up quickly.

Spending Caps and Annual Limits

While there are no spending caps on the rewards you can earn with Citi Rewards+ Card, there is a limit on the amount of points you can earn each year. The annual spending cap for this card is $100,000.

Redeeming Points

Once you have earned enough points with your Citi Rewards+ Card, you can redeem them for various rewards such as gift cards or merchandise. To redeem your points online, log in to your account and select "Rewards" from the menu bar at the top of the page.

You can also use your points towards statement credits or cash back by selecting "Cash Back" from the rewards menu. If you want to transfer your points to travel partners, log in to your account and select "Transfer Points" from the rewards menu.

Credit Score Requirement

While there is no official credit score requirement for the Citi Rewards+ Card, it is recommended that applicants have a good to excellent credit score. This will increase your chances of being approved for the card and receiving a favorable interest rate.

Checking Your Application Status

If you have already applied for the Citi Rewards+ Card online and want to check your application status, log in to your account and select "Application Status" from the menu bar at the top of the page. You can also call Citibank customer service at 1-800-374-9700 to inquire about your application status.

Getting a Cash Advance

If you need cash quickly, you can get a cash advance with your Citi Rewards+ Card. Keep in mind that cash advances come with high fees and interest rates, so it's best to avoid them if possible.

Why Citi Rewards+ Card is Unique and Different from Others?

Visit the Citi Rewards+ Card website to start your account opening process.

Ready to experience a credit card that is truly unique and different from others? Look no further than the Citi Rewards+ Card. This card offers a variety of benefits that make it stand out from other cards on the market. To get started, simply visit the Citi Rewards+ Card website to begin your account opening process.

Click on the "Apply Now" button to begin your application.

Once you arrive at the Citi Rewards+ Card website, click on the "Apply Now" button to begin your application. From there, you will be prompted to fill out some basic personal and financial information. Be sure to fill out this information accurately in order to ensure a smooth application process.

Fill out the required personal and financial information accurately.

When filling out your personal and financial information, it's important to be as accurate as possible. This will help ensure that your application is processed quickly and efficiently. In addition, providing accurate information can also help increase your chances of being approved for the card.

Submit your application and wait for a response from Citi.

Once you have filled out all of the necessary information, submit your application and wait for a response from Citi. Typically, applicants receive a decision within minutes of submitting their applications. If you are approved for the card, you will receive instructions on how to activate it so that you can start earning rewards right away.

Once approved, activate your card and start earning rewards.

With its unique rewards program, the Citi Rewards+ Card allows users to earn points in a way that no other credit card does. For every purchase made with this card, users automatically earn points rounded up to the nearest 10 points – regardless of how much they spend! This means that even small purchases can quickly add up to big rewards over time.

Encouraging Readers to Apply for Citi Rewards+ Card

5X ThankYou Points on Every Purchase with Citi Rewards+ Card

If you're looking for a rewards credit card that can help you earn more points, the Citi Rewards+ Card might be just what you need. With this card, you can earn 5X ThankYou Points on every purchase of $1 or more. This is an amazing rewards rate that few other cards can match.

But the benefits don't stop there. You also get 1X points on all other purchases, which means that you have even more opportunities to accumulate points. Whether you're buying groceries, filling up your gas tank, or shopping online, you'll be earning valuable ThankYou Points every time you use your card.

Redeem Your ThankYou Points for Various Rewards

One of the best things about the Citi Rewards+ Card is that it offers so many options for redeeming your ThankYou Points. You can use them to get gift cards from your favorite retailers, buy merchandise from Citi's online rewards catalog, or even book travel through the Citi ThankYou Travel Center. And if none of those options appeal to you, you can always opt for a statement credit instead.

Plus, with the 10 percent points back feature of Citi Rewards+ Card, you can get 10 percent of your redeemed points back each year (up to a maximum of 10,000 points). This means that if you redeem 50,000 points for a $500 statement credit, you'll get an additional 5,000 points added back to your account at the end of the year.

Why Choose Citi as Your Credit Card Issuer?

There are many factors worth considering beyond just earning potential and redemption options. For example:

• Customer Service: How responsive and helpful is their customer service team?

• Credit Score: What credit score do you need to qualify for the card, and will using it help you build your credit?

• Credit Limit: How much will your credit limit be, and can it be increased over time?

• Star Rating: What is the card's rating on sites like WalletHub or Bankrate?

If you're looking for a rewards credit card that offers a great rewards rate, plenty of redemption options, and other valuable benefits like 10 percent points back, the Citi Rewards+ Card might be right for you. Just remember to compare it against other cards and issuers to make sure that it's truly the best option for your needs.

Is Citi Rewards+ Card Worth It?

In summary, the Citi Rewards+ Card is a great choice for those who are looking for a credit card that offers unique benefits and rewards. With its 5X ThankYou Points feature, cardholders can earn more points on everyday purchases, making it easier to redeem rewards.

Aside from the points system, the card also offers other benefits such as round-up points and no annual fee. However, there are some fees and charges associated with the card that potential applicants should be aware of before applying.

Overall, if you're looking for a credit card that offers unique benefits and rewards without an annual fee, then the Citi Rewards+ Card may be worth considering. Its innovative features make it stand out among other credit cards in the market.

As someone who has experience in Google SEO and long-form content creation, I highly recommend this card to those who are interested in earning rewards on their everyday purchases. With its user-friendly online application process and excellent customer service team, applying for this card is easy and stress-free.

So why not give it a try? Apply for the Citi Rewards+ Card today and start earning points on your daily expenses!