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Citi Rewards+℠ Card Application
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5
Card Overall Rating
Excellent, Good Credit
  • The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Intro APR on Purchases
0% 15 months on Purchases
Intro APR on Balance Transfers
0% 15 months on Balance Transfers
Ongoing APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$0
5
Card Overall Rating
Excellent, Good Credit
  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Intro APR on Purchases
0%* 12 months on Purchases*
Intro APR on Balance Transfers
0%* 21 months on Balance Transfers*
Ongoing APR
16.99% - 26.99%* (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$0*
5
Card Overall Rating
Excellent Credit
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 points per $1 spent on travel including gas stations
  • Earn 2 points per $1 spent at restaurants and on entertainment
  • Earn 1 point per $1 spent on all other purchases
  • 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.24% - 26.24% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$95
5
Card Overall Rating
Excellent, Good Credit
  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
  • Balance Transfers do not earn cash back
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% 18 months on Balance Transfers*
Ongoing APR
15.74% - 25.74%* (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$0*
5
Card Overall Rating
Excellent, Good Credit
  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.24% - 26.24%* (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$99, waived for first 12 months*
5
Card Overall Rating
Excellent Credit
  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening*
  • No Annual Fee*
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases*
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights*
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.24% - 26.24%* (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$0*
4
Card Overall Rating
Excellent Credit
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for guests traveling with you
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.99% - 25.99%* (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$450
5
Card Overall Rating
Excellent Credit
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership*
  • No matter where life takes you, experience no foreign transaction fees on purchases*
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.49%* (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$0*
4
Card Overall Rating
Limited History/No Credit/ New-to-Credit/ Good
  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.74%* (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$0
4
Card Overall Rating
Excellent, Good Credit
  • Designed for businesses
  • Earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases in first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.99% - 25.99%* (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$99, waived for first 12 months*
5
Card Overall Rating
Excellent Credit
  • Discover the only business credit card designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership*
  • Whether you’re traveling for business or pleasure, enjoy no foreign transaction fees on purchases*
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.49%* (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0*
5
Card Overall Rating
Good Credit
  • Introducing the New Citi Rewards+ Student Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
  • 0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
  • No annual fee
Intro APR on Purchases
0% 7 months on Purchases
Intro APR on Balance Transfers
N/A
Ongoing APR
16.74% - 26.74% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$0

Citi Credit Cards: Your Way To Be Rewarded

Among all credit card benefits, an opportunity to earn rewards is the most desirable one. Citi credit cards allow to earn cash back, points or miles rewards. And the ThankYou® rewards program is probably one of the well-known rewards programs in the world of credit cards.

The ThankYou network has a number of Citi credit cards that allow to earn ThankYou Rewards, some of them are Citi Rewards+ Card, Citi Pemier Card, Citi Prestige Card, and Citi Rewards+ Student card. All those cards allow to earn ThankYou Points that can be redeemed through a special portal - thankyou.com.

The ThankYou portal offers various redemption options, including gift cards, pay with points and shop with points, and travel rewards. Those cardholders who wish to redeem for travel have essentially two options: redeem directly though the portal or transfer points to participating loyalty programs.

ThankYou members are airlines and Shop Your Way retail program. Airline members may change from time to time, but currently there are 15 partnering airline loyalty programs, including Virgin Atlantic, Asia Miles, Flying Blue, JetBlue TrueBlue, Turkish Airlines Miles & Smiles, and come others. Transfer exchange rates vary depending on the Citi card you have. Also, there may be promo offers when you can transfer ThankYou points at better rates.

Whether you are into the ThankYou program or prefer to earn cash back, you will be able to find a good Citi card for your needs and everyday spendings.

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