Citi Rewards Card – How to apply

By Raquel Oliveira • 03/17/2025

Citi Rewards Card earning bonuses when you open a new account.

The Citi Rewards Card is a great choice for earning points on everyday purchases while enjoying travel perks and exclusive benefits. Its simple rewards structure helps users maximize their spending.

A standout feature is the 20,000 bonus points, earned after spending $1,500 in the first three months. These points can be redeemed for travel, gift cards, statement credits, and more, offering excellent value.

The card also rewards frequent travelers, providing 5 points per dollar on travel, hotels, and car rentals. This makes it an attractive option for those who spend on trips.

With no annual fee and a rounding-up feature that guarantees at least 10 points per purchase, even small transactions contribute to your rewards balance.

How does the Citi Rewards+ Card work?

The Citi Rewards Card allows users to accumulate points with every purchase, which can later be redeemed for various rewards. The earning structure is designed to provide flexibility without complicated spending categories.

A standout feature is the automatic rounding-up of points. For example, if you make a $2.30 purchase, instead of earning just 2 points, the system rounds it up to 10 points. This ensures that even small transactions contribute significantly to your total rewards.

Points are automatically accumulated and can be tracked through the Citi rewards portal. When ready to redeem, users have options such as travel bookings, merchandise, statement credits, or gift cards, providing flexibility based on individual preferences.

With no expiration on points as long as the account remains active, this card is a reliable choice for long-term rewards accumulation.

Main Benefits of the Citi Rewards Card

• Flexible redemption options, including travel, gift cards, and statement credits
• 20,000 bonus points after spending $1,500 within the first three months
• 5 points per dollar spent on travel, hotels, and car rentals
• 2 points per dollar at supermarkets and gas stations, up to $6,000 per year, then 1 point per dollar afterward
• No annual fee, making it a cost-effective choice for earning rewards
• Rounded-up points on every purchase, ensuring at least 10 points per transaction

How to Use the Citi Rewards Card Efficiently

To maximize the benefits of the Citi Rewards Card, cardholders should use it strategically to accumulate and redeem points effectively.

• Spend at least $1,500 in the first three months to unlock the 20,000-point welcome bonus
• Use the card for travel, hotels, and car rentals to earn 5 points per dollar
• Take advantage of the 2 points per dollar category at supermarkets and gas stations before reaching the $6,000 annual cap
• Utilize the 0 percent APR period for large purchases or balance transfers
• Redeem points for travel or statement credits to maximize their value
• Monitor your spending to ensure you stay within the bonus earning categories

By following these strategies, users can get the most out of their Citi Rewards Card while avoiding unnecessary fees.

Cons of the Citi Rewards Card

• Balance transfer fees, starting at 3 percent for the first four months and increasing to 5 percent afterward
• High APR after the 0% introductory period, which may increase costs for those who carry a balance
• Spending limit of $6,000 annually for the 2 points per dollar category, reducing rewards for high spenders

Fees and APR Details

The Citi Rewards Card includes an introductory APR period that benefits users who want to finance purchases or transfer balances. However, the standard interest rates can be high after this period.

• 0 percent APR for 15 months on purchases and balance transfers
• Variable APR of 17.99 percent to 27.99 percent after the introductory period, depending on creditworthiness
• Balance transfer fee of 3 percent for the first four months, increasing to 5 percent afterward
• Foreign transaction fees apply to international purchases
• No annual fee, making it a budget-friendly rewards card

Users should take advantage of the 0 percent APR period strategically, as carrying a balance beyond this timeframe may lead to higher costs.

How to Apply for the Citi Rewards Card

Applying for the Citi Rewards Card is a simple online process. Citi evaluates applicants based on financial history and creditworthiness to determine approval.

• Visit the Citi website and locate the Citi Rewards Card application page
• Fill out the application form with personal details such as name, address, and social security number
• Provide financial information, including income and housing expenses
• Review the terms and conditions before submitting the request
• Submit the application and wait for an approval decision, which is often provided instantly

Applicants who have received a pre-approved invitation can enter their code for a faster approval process. If approved, the card is typically issued within seven to ten business days.

Conclusion

This Card is an excellent option for individuals looking to earn points on everyday spending while benefiting from flexible redemption options. Its 20,000-point welcome bonus provides a strong incentive for new cardholders.

Frequent travelers will appreciate the 5 points per dollar on travel, hotels, and car rentals, while the 2 points per dollar at supermarkets and gas stations make it appealing for everyday use.

However, the spending cap on certain bonus categories and the high APR after the introductory period may be drawbacks for some users. Those looking for unlimited high-reward categories may find better alternatives.

Overall, the Citi Rewards Card is a strong choice for individuals who want to earn and redeem points easily, with valuable perks and no annual fee. Apply now and get 0 percent APR for 15 months on purchases and balance transfers.