No-Annual-Fee Citi Rewards+ Card Now Available With Sign-up Bonus

Jan 14, 2019

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Citi is a TPG advertising partner.

Update: Some offers mentioned below are no longer available. View the current offers here.

Here’s the link to apply for the Citi Rewards+® Card 

The new Citi Rewards+® Card and the Citi Rewards+℠ Student Card both recently launched with a unique feature: rounding up your earnings on all purchases to the nearest 10 points. So, you’re guaranteed to earn at least 10 points on each purchase — making the cards a compelling choice for small purchases. Here’s the basics you should know about these two new no-annual-fee cards. The information for the Citi Rewards+ Student Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.          

Sign-up Bonus: The Citi Rewards+ Card is offering a 15,000-point sign-up bonus after you spend $1,000 in purchases with your card within three months of account opening. The student version, the Citi Rewards+ Student Card, is offering a 2,500-point sign-up bonus after you spend $500 in purchases with your card within three months of account opening. Although these sign-up bonuses aren’t particularly impressive, that’s understandable since neither card carries an annual fee. Note that the sign-up bonus isn’t available if you received a new card member bonus for Citi Rewards+, Citi ThankYou Preferred, Citi Premier® Card or Citi Prestige® Card, or if you have closed any of these cards, in the past 24 months.

Category Bonuses: Both cards earn 2x ThankYou points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. You’ll earn 1x points on all other purchases. Consumer expenditure data from the Bureau of Labor Statistics shows the average household spends $4,363 on “food at home” and $1,969 on “gasoline, other fuels and motor oil,” so if your spending is similar to the average consumer you’ll slightly exceed the $6,000 per year in 2x earning for these categories. Merchants must classify themselves as a supermarket or gas station in order for you to earn 2x points though, so warehouse clubs, wholesale clubs, superstores, discount stores, department stores and convenience stores may not provide 2x earning. Points are rounded after the additional points are awarded for 2x qualifying purchases.

0% Intro APR: The Rewards+ Card offers 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% – 23.49%, based on your creditworthiness. If you need to transfer a balance or finance a large purchase, this card can help you do so — but be sure to pay off your balance completely within the 0% APR period.

Earning Citi ThankYou Points: The points earned by the Citi Rewards+ cards are considered “basic” Citi ThankYou points, which means you generally can’t transfer them to travel partners — the exception being JetBlue. Instead, you can redeem the points for 1 cent each toward travel booked through the Citi portal, gift cards or statement credits. But, if you also have the Citi Prestige or the Citi Premier® Card, you can move points from your Rewards+ account to your Prestige or Premier account and then transfer them to other partners. If you have the Prestige or Premier, TPG’s latest valuations peg the value of the sign-up bonus on the Citi Rewards+ Card at $255. If you don’t have the Prestige or the Premier, the sign-up bonus on the Rewards+ Card is worth $150.

Benefits and Perks: When you redeem your ThankYou Points, you’ll receive 10% points back for the first 100,000 ThankYou Points redeemed per calendar year. This means that if you redeem 10,000 ThankYou Points, you’ll receive 1,000 ThankYou Points back. Both cards also give you access to the Citi Concierge and Citi Private Pass.

Bottom Line

If you already have the Citi Prestige, getting the Citi Rewards+ Card can boost your earnings by giving you two ThankYou points per dollar spent at supermarkets and gas stations. Likewise, if you already have the Citi Premier, getting the Citi Rewards+ would boost your earnings at the supermarket. By adding the Rewards+ Card you’d be getting a 3.4% return on these purchases. Of course, there are other cards that will give you higher return at grocery stores and gas stations, but if you’re looking to stockpile Citi ThankYou points the Rewards+ Card is a good way to do so in conjunction with the Prestige or Premier.

If you don’t have the Citi Prestige or the Citi Premier yet, and aren’t planning on signing up for the Citi Prestige when it relaunches later this month, the Citi® Double Cash Card may be a better choice long-term than the Citi Rewards+ Card since it provides 2% back on everything (1% back when you pay, and 1% back when you buy). But, the Rewards+’s sign-up bonus and earning at least 10 points on all purchases can be appealing, particularly if you make a lot of small purchases.

The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Here’s the link to apply for the Citi Rewards+ Card with a 15,000-point sign-up bonus.

Chase Sapphire Preferred® Card

WELCOME OFFER: 100,000 Points


CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Regular APR
15.99%-22.99% Variable
Annual Fee
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.