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Citi Rewards Card evaluation | Million Mile Secrets and techniques


Signing up for bank cards via companion hyperlinks earns us a fee. Phrases apply to the presents listed on this web page. Right here’s our full promoting coverage.

Signing up for bank cards via companion hyperlinks earns us a fee. Phrases apply to the presents listed on this web page. Right here’s our full promoting coverage.

Citi is an MMS advertiser companion.

You’ll be able to earn 15,000 Citi ThankYou factors while you open the Citi Rewards + ℠ Card and spend $ 1,000 on purchases inside the first three months of opening your account. This card additionally has no annual charge.

You’ll be able to apply for the Citi Rewards + card right here.

The cardboard’s welcome bonus is price at the least $ 150 in present playing cards or journey booked via the Citi journey middle, however it may be price much more in the event you companion it with the suitable Citibank bank card. I'll clarify why and assist you determine if that is the suitable card for you.

This Citi Rewards Card evaluation might help you discover ways to use your Citi ThankYou factors to avoid wasting in your subsequent tropical getaway. (Photograph by BMProductions / Shutterstock.)

Citi Rewards Card evaluation

Present bonus

With this card you possibly can earn 15,000 Citi ThankYou factors after you spend $ 1,000 on purchases inside the first three months of opening the account.

Advantages and perks

The Citi Rewards + card has a few bonus classes that earn you 2x Citi ThankYou factors per greenback:

  • Supermarkets
  • Gasoline stations

The bonus on these purchases solely applies to the primary $ 6,000 you spend per yr, after that you just’ll earn 1x factors per greenback. All different purchases will earn one Citi ThankYou level per greenback.

Additionally, the factors you earn on each buy will routinely be rounded as much as the closest increment of 10. So that you’ll by no means make lower than 10 factors on a purchase order. For instance, in the event you spent $ 25 on the mall, as a substitute of solely incomes 25 Citi ThankYou factors you’d earn 30 factors. This additionally signifies that a $ 1 buy would earn 10 Citi ThankYou factors. Along with the sign-up bonus, the Citi Rewards + card has different advantages and it doesn't have an annual charge. So it's price maintaining long run.

The most effective profit to this card is the 10% factors rebate you’ll get on the primary 100,000 factors you redeem every year. So having this card makes your factors extra precious, even in the event you earn them with different Thank You playing cards (and have the accounts mixed).

How one can redeem factors

You should utilize the Citi ThankYou factors you earn with the Citi Rewards + to ebook journey or get present playing cards and your factors shall be price one cent every (not together with the 10% rebate). You too can redeem factors for purchases at particular web sites, like Amazon and Finest Purchase, however the worth you’ll get per level is lower than one cent per level.

You too can switch factors to JetBlue at a 5: four ratio. Nonetheless, in case you have the Citi Premier or Citi Status card you possibly can mix your Citi ThankYou accounts after which switch your ThankYou factors to any airline companion at a 1: 1 ratio. Being able to switch your factors is a big enhance in worth. For instance, you possibly can switch 15,000 ThankYou factors to Turkish Airways and ebook a round-trip flight from the U.S. mainland to Hawaii on United Airways.

Info for the Citi Status and Citi Premier playing cards has been collected by Million Mile Secrets and techniques and has not been reviewed by the cardboard issuer.

Is the annual charge price it?

The Citi Rewards + has no annual charge, so it's a terrific card to maintain long run.

Who’s the Citi Rewards + Card for?

The Citi Rewards + is a good complimentary card to different playing cards that earn ThankYou factors. However the timing of your software for this card issues as a result of Citi is not going to allow you to earn the sign-up bonus from a couple of card that earns ThankYou factors inside 24 months. The phrases say:

Bonus ThankYou® Factors aren’t out there in the event you acquired a brand new card member bonus for Citi Rewards +, Citi ThankYou® Most popular, Citi ThankYou® Premier / Citi Premier or Citi Status®, or in case you have closed any of those accounts, up to now 24 months.

So if it’s been lower than 24 months because you earned a welcome bonus with or closed a Citi Status, Citi ThankYou® Most popular Card or Citi Premier Card, you aren’t eligible to earn the bonus, even if you’re authorised.

Additionally, remember that the Citi Premier card at the moment has a a lot bigger sign-up bonus than the Citi Rewards + card. And in the event you open a Rewards + card proper now, you received’t be capable of earn the bonus on the Citi Premier for 24 months from while you earn the welcome bonus.

Insider tip

The Citi Rewards + card’s 10% factors rebate applies to factors transferred to airline companions, together with transfers in the event you mix your account with a Citi Premier or Citi Status card. Which means you might stand up to an additional 10,000 factors again every year on factors transfers. That's a superb perk for a no annual charge card.

Pairing the Citi Rewards + with different bank cards

The Citi Rewards + card earns Citi ThankYou factors which may solely be transferred to journey companions in the event you even have both the Citi Status or Citi Premier card. The issue is that getting this combo might take you two years due to the appliance restrictions I discussed, except you're okay not incomes the welcome bonus no these playing cards.

One other card that’s good to pair with the Citi Rewards + is the Citi® Double Money Card. The Citi Double Money Card earns 2% money again on all purchases, 1% while you purchase and 1% while you pay. It's not solely probably the greatest playing cards for on a regular basis purchases, but in addition a prime bank card that earns money again. And, in the event you pair the Double Money with a card that earns ThankYou factors (just like the Rewards + card) you possibly can convert your money again into ThankYou factors (one greenback converts to 100 ThankYou factors).

Backside line

Proper now the Citi Rewards + card has the very best sign-up bonus and greatest perks of any no annual charge card that earns Citi ThankYou factors. The ThankYou factors you earn with the cardboard are price one cent every for present playing cards or journey booked via the Citi ThankYou portal.

You'll additionally get a 10% factors rebate on redemptions for the primary 100,000 factors per yr. And the cardboard has a singular perk – on each buy the Citi ThankYou factors you earn shall be rounded as much as the closest 10. So a $ 2 latte will nonetheless earn you 10 factors, the hardest half shall be discovering a $ 2 latte.

However your factors could be price much more in case you have the Citi Status or the Citi Premier Card as a result of with these playing cards, you’ll have the flexibility to switch your factors to Citi ThankYou’s airline companions.

You’ll be able to apply right here for the Citi Rewards + card.

Editorial notice: We're the Million Mile Secrets and techniques crew. And we're happy with our content material, opinions and evaluation, and of our reader's feedback. These haven’t been reviewed, authorised or endorsed by any of the airways, motels, or bank card issuers which we frequently write about. And that's simply how we prefer it! 🙂

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