Citi Rewards Review

Citi Rewards Review (Benefits)

The Citi Rewards+® Card is a rewards credit card that offers a plethora of benefits to cardholders. With its impressive rewards program and numerous perks, this card is a great option for those looking to maximize their spending power.

One of the standout features of the Citi Rewards+® Card is its unique “round up” feature. With every purchase, cardholders have the opportunity to round up their earned points to the nearest 10. This means that even small purchases can quickly add up to substantial rewards.

In addition to the “round up” feature, this card offers bonus rewards for spending at supermarkets and gas stations. Cardholders earn 2x points at supermarkets and gas stations, up to $6,000 in combined spending per year. All other purchases earn 1x points, allowing cardholders to earn rewards on every purchase they make.

Another enticing benefit of the Citi Rewards+® Card is the access it provides to the Citi Entertainment program. This program offers exclusive experiences and presale tickets to a wide range of events, ensuring that cardholders can enjoy unique perks beyond just earning rewards.

Key Takeaways:

  • The Citi Rewards+® Card offers a unique “round up” feature that allows users to accumulate more points with every purchase.
  • Cardholders earn bonus rewards for spending at supermarkets and gas stations.
  • The Citi Rewards+® Card provides access to the Citi Entertainment program, offering exclusive experiences and presale tickets.
  • With no annual fee, this card is a cost-effective way to earn rewards.
  • Cardholders can redeem their points for various options, including gift cards, travel bookings, and statement credits.

Earning Rewards and Redemption Options

With the Citi Rewards+® Card, cardholders have the opportunity to earn valuable points on their purchases. By utilizing the card’s rewards program, you can maximize your spending and unlock exciting redemption options.

Earning Points

By using your Citi Rewards+® Card, you can earn points on every purchase you make. The earning structure is simple and rewarding:

  • Earn 2x points at supermarkets and gas stations, up to $6,000 in combined spending per year.
  • All other purchases earn 1x points.

This means that every time you shop for groceries or fill up your tank, you’re earning Citi Rewards points that can be redeemed for exciting rewards.

Redemption Options

The Citi Rewards+® Card offers a wide range of redemption options, ensuring that you can use your hard-earned points in the way that suits you best. Here are some popular redemption options:

  • Gift cards: Redeem your points for gift cards to your favorite retailers, restaurants, and more.
  • Travel bookings: Use your points to book flights, hotels, and rental cars for your next vacation.
  • Statement credits: Apply your points as a credit towards your Citi Rewards+® Card statement.

In addition to these options, Citi Rewards+® Cardholders also have the flexibility to transfer their points to participating loyalty programs, opening up even more possibilities for redemption.

Points Value

The value of Citi Rewards points varies depending on the chosen redemption option. To maximize the value of your points, it’s important to consider the different redemption rates and select the option that provides the most value for you.

Take a look at the table below to understand the approximate value of Citi Rewards points for each redemption option:

Redemption Option Points Value
Gift Cards $0.01 per point
Travel Bookings $0.01 per point
Statement Credits $0.01 per point

Remember, the table above is just an approximate guide and may vary depending on current promotions and redemption rates.

With the wide range of redemption options and the ability to earn points on everyday purchases, the Citi Rewards+® Card provides cardholders with a rewarding experience. Start earning Citi Rewards points today and unlock amazing rewards!

Special Features and Perks

The Citi Rewards+® Card offers several special features and perks that make it a standout choice for cardholders. From unique rewards features to exclusive programs, this card enhances the cardholder experience in various ways.

Rounding Up Points for Greater Rewards

One of the standout features of the Citi Rewards+® Card is the “round up” feature. This feature automatically rounds up the points earned on every purchase to the nearest 10. For example, if you make a purchase worth $15, you will earn 20 points instead of 15.

The “round up” feature may seem small, but it can add up over time. By accumulating more points with each purchase, cardholders can quickly reach their reward goals and enjoy even greater benefits.

Welcome Bonus for New Cardholders

As a way to kickstart your rewards journey, the Citi Rewards+® Card offers a generous welcome bonus for new cardholders who meet the spending requirement. Currently, new cardholders can earn a welcome bonus of 20,000 points.

To qualify for this bonus, simply make purchases totaling $x,xxx within the first xx days of account opening. Once you meet the spending requirement, the bonus points will be credited to your account, giving you a great head start on earning and redeeming rewards.

Access to the Citi Entertainment Program

With the Citi Rewards+® Card, cardholders gain exclusive access to the Citi Entertainment program. This program offers a wide range of benefits, including:

  • Presale tickets
  • Preferred seating options
  • Special event experiences
  • And more!

Whether you’re a music lover, sports enthusiast, or theater aficionado, the Citi Entertainment program ensures you have access to the best tickets and experiences available.

Manage Your Card with Ease

To make managing your Citi Rewards+® Card effortless, Citi provides convenient online account access. By signing up for online account access, you can easily perform tasks such as:

  • Making payments
  • Reviewing statements
  • Tracking your rewards
  • Updating personal information

With just a few clicks, you’ll have complete control over your card and can stay on top of your rewards and account information.

Special Features and Perks
Rounding Up Points for Greater Rewards
Welcome Bonus for New Cardholders
Access to the Citi Entertainment Program
Manage Your Card with Ease

Introductory APR and Fees

The Citi Rewards+® Card offers an introductory APR on balance transfers and purchases, providing cardholders with several financial benefits. During the introductory period, cardholders can enjoy a 0% APR, allowing them to save on interest charges for a specific duration. The introductory APR extends to both balance transfers and purchases, offering flexibility and value.

After the introductory period ends, the APR will vary based on the individual cardholder’s creditworthiness. This means that the rate applied to the card balance will depend on factors such as credit history, credit score, and financial standing. It’s important for cardholders to review the terms and conditions to understand how the APR may change after the initial period.

While the introductory APR is a significant advantage of the Citi Rewards+® Card, it is also essential to consider the associated fees. Cardholders may incur fees such as balance transfer fees and foreign transaction fees. These fees can vary, so it’s imperative to carefully read the credit card agreement and disclosure to understand the potential costs.

Despite the potential fees, one standout benefit of the Citi Rewards+® Card is that it does not charge an annual fee, offering a cost-effective option for individuals seeking rewards and benefits without the burden of an annual fee.

To summarize:

  • • The Citi Rewards+® Card features an introductory APR on balance transfers and purchases, allowing cardholders to save money on interest charges.
  • • The introductory APR is 0% for a specified period, providing cardholders with a significant financial advantage.
  • • After the introductory period, the APR will vary based on the individual cardholder’s creditworthiness.
  • • While the card offers excellent benefits, cardholders should be aware of the potential fees, including balance transfer fees and foreign transaction fees.
  • • The Citi Rewards+® Card does not have an annual fee, making it an attractive option for those seeking rewards without additional costs.

Pros and Cons

When considering the Citi Rewards+® Card, it’s important to weigh its pros and cons. Understanding both sides will help you make an informed decision about whether this card is right for you.

Pros

  • No Annual Fee: One of the standout features of the Citi Rewards+® Card is that it doesn’t charge an annual fee. This allows you to enjoy the benefits of the card without any additional costs.
  • Bonus Points at Supermarkets and Gas Stations: With this card, you have the opportunity to earn bonus points on your everyday purchases. You’ll earn 2x points at supermarkets and gas stations, up to $6,000 in combined spending per year. This can add up quickly and enhance your rewards earnings.
  • Access to Citi Entertainment Program: Cardholders can gain access to the Citi Entertainment program, which offers exclusive experiences and early access to tickets for concerts, sporting events, and more. This is a great perk for those who enjoy entertainment and live events.
  • Introductory APR Periods: The Citi Rewards+® Card provides introductory APR periods on both balance transfers and purchases. This can be beneficial if you’re looking to save on interest charges or consolidate your existing credit card balances.

Cons

  • Spending Caps on Bonus Rewards: While earning bonus points at supermarkets and gas stations is advantageous, it’s important to note that there is a cap of $6,000 in combined spending per year for these categories. Once you reach that limit, your earnings drop to the standard 1x points rate.
  • Complex Redemption Options: Some cardholders may find the redemption options for Citi Rewards+® Card to be a bit complicated. With multiple ways to redeem points, including gift cards, travel bookings, and statement credits, it can take some time and effort to navigate the process effectively.
  • Good/Excellent Credit Requirement: To qualify for the Citi Rewards+® Card, you’ll need to have a good to excellent credit score. This means that individuals with lower credit scores may not be eligible for this card.

Pros Cons
No annual fee Spending caps on bonus rewards
Bonus points at supermarkets and gas stations Complex redemption options
Access to Citi Entertainment program Good/Excellent credit requirement
Introductory APR periods

Conclusion

In conclusion, the Citi Rewards+® Card has proven to be a valuable option for individuals looking to maximize their rewards on everyday purchases. With the ability to earn points on all purchases, including bonus rewards at supermarkets and gas stations, cardholders can quickly accumulate valuable rewards.

The card’s unique “round up” feature further enhances the rewards potential, ensuring that every purchase contributes to the cardholder’s point balance. This innovative feature sets the Citi Rewards+® Card apart from other rewards credit cards on the market.

Furthermore, the flexibility of the Citi Rewards+® Card’s redemption options allows cardholders to choose the rewards that best suit their preferences. Whether it’s gift cards, travel bookings, or statement credits, there are plenty of choices to ensure that cardholders can enjoy their well-earned rewards.

Lastly, Citi’s commitment to excellent customer service ensures that cardholders have access to support and assistance whenever they need it. Whether it’s answering questions, addressing concerns, or providing guidance on maximizing rewards, Citi’s customer service team is dedicated to ensuring a positive cardholder experience.

FAQ

What are the benefits of the Citi Rewards+® Card?

The Citi Rewards+® Card offers no annual fee, intro APR periods, and access to the Citi Entertainment program.

How can I earn rewards with the Citi Rewards+® Card?

Cardholders can earn 2x points at supermarkets and gas stations, up to $6,000 in combined spending per year, and 1x points on all other purchases.

What can I redeem my Citi Rewards points for?

Points can be redeemed for options such as gift cards, travel bookings, and statement credits. They can also be transferred to participating loyalty programs.

What special features does the Citi Rewards+® Card have?

The card has a unique “round up” feature that rounds up points to the nearest 10 for every purchase. Cardholders also have access to the Citi Entertainment program.

What is the introductory APR on the Citi Rewards+® Card?

Cardholders can enjoy a 0% introductory APR for 15 months on balance transfers and purchases.

Are there any fees associated with the Citi Rewards+® Card?

While there is no annual fee, there may be fees for balance transfers and foreign transactions.

What are the pros and cons of the Citi Rewards+® Card?

Some pros include no annual fee, bonus rewards at supermarkets and gas stations, and access to the Citi Entertainment program. Some cons include spending caps on bonus rewards and complex redemption options.

Is the Citi Rewards+® Card a good option for me?

The Citi Rewards+® Card can provide value to those who want to earn rewards on their spending. However, it requires good/excellent credit to qualify. If you have any specific questions or concerns, you can reach out to Citi Rewards customer service for assistance.

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