Citi Rewards Card

Credit Card

Citi Rewards Card

Additional benefits No annual fee

20,000 bonus points after spending $1,500 in the first three months.

How to Apply You will remain on this website.

The Citi Rewards Card is a smart option for those who want to take advantage of rewards, build a solid credit history and simplify day-to-day expenses. 

One of its biggest benefits is the 20,000 bonus points available after spending $1,500 in the first three months. This makes it an excellent option for those planning major purchases or upcoming trips.

Additionally, the card provides 5 points per dollar spent on travel, hotels, and car rentals. This feature is particularly useful for frequent travelers who want to maximize their spending rewards.

Earn 20,000 Bonus Points on the Citi Rewards Card

New cardholders who spend $1,500 within the first three months earn 20,000 bonus points. This initial reward allows users to start redeeming benefits quickly, making it a strong incentive.

These points can be used in a variety of ways, from travel bookings to merchandise or statement credits. The flexibility ensures that users can choose the rewards that best suit their lifestyle.

Unlike some reward programs, there is no minimum amount required for redemption. This feature makes it easier to use accumulated points whenever needed without waiting to reach a specific threshold.

Pros and Cons

Pros

• 20,000 bonus points after spending $1,500 in the first three months.
• No annual fee, making it a cost-effective rewards card.
• 5 points per dollar spent on travel, hotels, and car rentals.

Cons

• High APR after the initial 0% period ends.
• Supermarket and gas station purchases earn only 2 points per dollar.
• A 3% balance transfer fee applies in the first few months.

How Do I Know If the Citi Rewards Card Is Right for Me?

The Citi Rewards Card is a great choice for those who want to earn points on everyday purchases. It is particularly valuable for individuals who frequently shop at supermarkets, gas stations, or spend on travel.

The 20,000 bonus points make this card even more appealing. If you plan to spend at least $1,500 in the first three months, this bonus provides a solid start for accumulating rewards.

A Flexible and Rewarding Credit Card

The Citi Rewards Card is a strong option for individuals who want to earn points on their daily expenses. It provides an easy way to accumulate and redeem rewards with minimal restrictions.

One of its standout features is the ability to earn 5 points per dollar on travel-related purchases. For those who frequently book hotels or car rentals, this feature can generate significant rewards.

The 20,000 bonus points available for new cardholders provide an excellent starting boost. Combining this with the absence of an annual fee makes the card both rewarding and budget-friendly.

Raquel Oliveira