Citi Rewards Card – How to apply
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The Citi Rewards Card is built for people who want to earn rewards on everyday purchases.
The Citi Rewards+® Card is designed for individuals who want to maximize rewards on everyday purchases, making it a great choice for those who frequently shop or fuel up. With the card, you earn 2X points on purchases at supermarkets and gas stations, which can quickly add up, especially for those who regularly make these types of purchases.
One standout feature of the Citi Rewards+® Card is its unique rounding-up benefit. For every purchase, it rounds up to the nearest 10 points, turning even small expenses into valuable rewards. Whether you’re picking up groceries or filling up your car, those seemingly minor transactions contribute to a growing rewards balance. This feature ensures that you’re not leaving any rewards on the table, turning routine purchases into meaningful savings.
In addition to the 2X points at select locations, the card’s reward structure ensures you’re consistently earning points, regardless of how big or small the transaction may be. Whether you’re covering basic expenses or making more modest purchases, the Citi Rewards+® Card guarantees that you’re always collecting points and making the most of your spending.
How Does the Citi Rewards Card Work?
The Citi Rewards+® Card offers a straightforward rewards structure. You’ll earn 2X points at supermarkets and gas stations on up to $6,000 in spending each year, and 1X points on everything else.
The standout feature is its rounding-up mechanism. Every purchase is rounded up to the nearest 10 points, which means even small transactions can earn big rewards.
Your points are applied to Citi ThankYou® Points, which can be redeemed for travel, gift cards, statement credits, or transferred to select travel partners. With no annual fee, the card provides excellent value without added costs.
Main Benefits for the Citi Rewards+® Card
The Citi Rewards+® Card stands out for its unique rounding-up feature, ensuring you earn more on every purchase. The 2X points on supermarkets and gas stations make it a practical choice for everyday spending, while the no-annual-fee policy ensures affordability.
Additionally, the flexible redemption options through Citi ThankYou® Points provide added value, allowing you to use rewards in the way that best suits your needs.
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Cons for the Citi Rewards+® Card
While the Citi Rewards+® Card offers impressive benefits, it does have some limitations. The 2X points on supermarkets and gas stations are capped at $6,000 annually, which may not be sufficient for high spenders in these categories.
Additionally, rewards are tied to Citi ThankYou® Points, which may not appeal to those who prefer straightforward cashback options. The card’s APR is also relatively high, making it less suitable for individuals who carry a balance.
APR and Fees
The Citi Rewards+® Card is an attractive option for those seeking to earn rewards without the burden of an annual fee, making it a budget-friendly choice. With no yearly charge, this card offers an opportunity to earn points on everyday purchases without adding extra costs to your financial commitments.
However, while there’s no annual fee, it’s crucial to review the standard APR terms associated with the card. The APR is variable, meaning it can fluctuate based on your creditworthiness. If you carry a balance from month to month, you could face significant interest charges.
To truly make the most of the Citi Rewards+® Card, it’s essential to pay off your balance in full each month. By doing so, you can avoid paying interest and ensure that your rewards are maximized without being diminished by finance charges.
Staying on top of your payments helps you benefit fully from the rewards program and maintain control over your financial situation, making it a smart choice for those who are disciplined about paying their balances on time.
How to Apply for the Citi Rewards+® Card
Applying for the Citi Rewards+® Card is simple and quick. Here’s how:
- Visit the Website: Go to Citi’s official website or mobile app and locate the Rewards+® Card page. Click “Apply Now” to begin your application.
- Provide Your Information: Fill out your personal and financial details, including your name, address, Social Security number, and income. This helps Citi assess your eligibility.
- Submit Your Application: Review your details for accuracy and hit submit. Most applicants receive an instant decision, though some may require additional review.
- Activate Your Card: Once approved, you’ll receive your card in the mail within 7–10 business days. Activate it online or through Citi’s app, and start earning rewards immediately!
The Citi Rewards+® Card is a fantastic choice for anyone looking to maximize their everyday spending.
With its unique rewards structure and no-annual-fee policy, it’s an excellent tool for turning routine purchases into valuable rewards.
