Citi Rewards® Card

Citi Card cardholder have the opportunity to get a 0% Intro APR for 12-month for purchase and a 21-month 0% Intro APR for balance transfer from the 1st transfer

Credit needed
Excellent, Good
13.49% - 23.49% (Variable)
Annual Fee

Card Summary

Citi Rewards card is a rewards credit that gives you bonus points for everyday purchases. Two points per dollar are earned at gas stations and supermarkets for purchases up to $6,000 each year. Then, one point is awarded per dollar over that amount.

Other purchases earn 1 point per $1. Every purchase is automatically rounded to 10 points. A $7 purchase earns 10 points per dollar. An $22 purchase earns 30 points. You have the option to redeem gift cards, cash back or statement credits.

In addition, you will earn 10% back any points that are redeemed up to 100,000 times per year. After you make $1,500 of purchases within three months of opening your account, you will receive 20,000 bonus points. These points can be used to redeem for $200 gift cards from

Citi Rewards Card Review:

Cardholders have the opportunity to earn double points for purchases up to $6,000 at supermarkets and gas stations.

Citi Rewards Card offers a 0% annual percentage rate, which increases after 15 months to 13.49%-23.49% (variable).

Card Summary - Cons

Rates and fees

Issuer Name
Penalty APR
Variable: Up to 29.99%
Credit Needed
Excellent, Good
Balance Transfer Fee
Intro Fee 3% on each transfer (increased to $5 min) within the first four months after account opening. After this, the fee is 5% ($5 min).
Annual Fee
Cash Advance Fee
Cash advances are subject to a 5% cash advance fee; minimum $10
13.49% - 23.49% (Variable)
Foreign Transaction Fee


After you have spent $1,500 with your card in the first 3 months of opening an account, you will earn 20,000 bonus points. These points can be used to redeem for $200 gift cards from

Balance transfers are eligible for a 0% intro APR, which is applicable to purchases and balance transfers. This applies from the date of opening your account.

Based on creditworthiness, variable APRs will range from 13.49% to 23.49%. An intro balance transfer fee is 3% (minimum $5) for each transfer made within the first four months after account opening. Your fee for each subsequent transfer will increase to 5% (minimum $5).

Citi Rewards Card: The only credit card which automatically rounds up the closest 10 points for every purchase, with no caps. For the first $6,000, earn 2X ThankYou Points at Supermarkets & Gas Stations. Then you will get 1X points for every subsequent purchase.

You can also earn 1X ThankYou Points for all other purchases. Based on creditworthiness, the standard variable APR of Citi Flex Plan is between 13.49% and 23.49%. Citi Flex Plan offers may be made at Citi's sole discretion.

Comparative Analysis with Other Cards

Citi Rewards Card vs. Capital One SavorOne Rewards Credit Card

Annual fees: There is no annual fee for either card.

Reward: The Citi Rewards card earns you two points per $1 on purchases up to $6,000 at gas stations and supermarkets each year, and one point for every dollar thereafter. Other purchases earn 1 point per $1. Each purchase is automatically adjusted to the nearest 10 point. Cardholders receive 10% back on any 100,000 points earned per year.

Capital One SavorOne cash rewards credit card holders will earn 3% cashback on food, entertainment, and grocery purchases, as well as 1% for all other purchases.

Sign up bonus: After you have spent $1,500 on purchases within the first 3 months of your account opening, Citi Rewards will offer a sign-up bonus worth 20,000 points. This bonus can be redeemed for 200 gift certificates at

After you have spent $500 within 3 months of account opening, you will receive a $200 cash bonus.

Citi Rewards Card vs. Chase Freedom Flex

Annual Fee: There is no annual fee for the card.

Reward: The Citi Rewards card will give you double points for purchases at gas stations and supermarkets up to $6,000 annually. After that, one point per $1. All other purchases earn you one point per $1 Each purchase on your card will be rounded to 10 points. You'll also receive 10% back for any points you redeem, up to 100,000 per year.

Chase Freedom Flex cardholders will earn 5% cashback on purchases up to $1500 in combination in bonus categories every quarter they activate. Chase Ultimate Rewards offers 5% for Chase travel purchases, while dining out and drugstores offer 3%.

Sign up bonus: After you make $1,500 with Citi Rewards within three months of opening your account, you'll receive a bonus of 20,000 points. This bonus can be used to redeem $200 for gift cards from

After you make $500 in purchases within the first three months of account opening, Chase Freedom Flex will give you a $200 sign up bonus. You can also earn up to $12,000 cashback on groceries (not Target, Walmart) and get 5% cash back.

Benefits: Citi Rewards Card Benefits include exclusive Citi Entertainment ticket sales and concierge services. Chase Freedom Flex cardholders can enjoy benefits from Chase Partnerships, including discounts for services such as food delivery or ride-sharing.

Citi Rewards Card:

Maximizing Rewards

How much does the Citi Rewards card cost?

Yearly fee $0.

International purchases are subject to a 3% foreign transaction fee.

Balance transfer fee: Intro Fee 3% for each transfer (in the amount of $5 min) made within 4 months after account opening. After this, the fee is 5% ($5 min)

Cash advance fees: Minimum $10, or 5%.


Do You Need the Citi Rewards card?

If you do:

You could get a promotional rate of 0% on balance transfers or purchases.
You can pay $0 annually.
You can spend up to $6,000 per year in supermarkets or gas stations.

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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