Citi Rewards Plus Card – How to Apply, Requirements, Fees, APR

The Citi Rewards Plus Card is an excellent choice for those looking to maximize their rewards on everyday purchases. With its unique features and benefits, this card can help you earn more points on your spending while offering flexible redemption options.

In this guide, we’ll walk you through the application process, eligibility requirements, and the various benefits of the Citi Rewards Plus Card. Don’t miss out on this opportunity to enhance your financial portfolio with a card that offers great rewards and benefits.

Want to know how to apply for the Citi Rewards Plus Card and take advantage of all its perks? Follow our comprehensive guide to quickly and efficiently submit your application and learn about all the benefits and requirements.

How to Apply

To apply for the card, follow these steps:

1. Visit the Citi website: Go to the official Citi website and find the credit cards section.
2. Select the Citi Rewards Plus Card: Browse through the available credit cards and choose the Citi Rewards Plus.
3. Click “Apply Now”: Start the application process by clicking the “Apply Now” button.
4. Fill out the online form: Enter your personal information, including name, address, income, and other necessary details.
5. Review and submit: Double-check all the information entered, read the terms and conditions, and submit your application.

Requirements to Apply

To be eligible for the card, you must meet the following requirements:

• Be at least 18 years old.
• Be a resident of the United States.
• Have a valid Social Security Number.
• Have a stable income.
• Possess a fair to good credit history.

Benefits

The Citi Rewards Plus Card offers a range of benefits for its holders, including:

• Bonus points: Earn 20,000 bonus points after spending $1,500 in purchases within the first 3 months of account opening.
• Round up feature: Every purchase you make rounds up to the nearest 10 points, maximizing your rewards.
• 10% points back: Get 10% of your points back for the first 100,000 points you redeem each year.
• No annual fee: There is no annual fee, helping you keep costs low.
• 0% introductory APR: Enjoy a 0% introductory APR on balance transfers and purchases for the first 15 months.

What are the Fees, Annual Percentage Rate (APR), and Interest?

The Citi Rewards Plus Card comes with the following fees and terms:

• Introductory APR: 0% on balance transfers and purchases for the first 15 months. After the introductory period, the variable APR will be 13.49% to 23.49%.
• Annual Fee: $0.
• Balance Transfer Fee: 3% of the amount of each transfer or $5, whichever is greater.
• Foreign Transaction Fee: 3% on each transaction made outside the United States.

Network and Coverage

The card is issued by Mastercard, one of the most widely accepted payment networks in the world. With this card, you can make purchases and withdrawals at millions of locations and ATMs in over 200 countries and territories.

How to Check Your Statement?

To check your statement for the card, follow these steps:

1. Visit the Citi website or app: Log in to your Citi account.
2. Select the Citi Rewards Plus Card: Navigate to the credit cards section and choose your card.
3. View your statement: Click the option to view your current and past statements. You can download or print a copy if needed.

How to Activate the Citi Rewards Plus Card?

To activate your card:

1. Call the customer service number: Find the phone number on the sticker attached to your card.
2. Use the Citi Mobile® app: Log in to your account in the app, select the card, and follow the instructions to activate it.
3. Visit the Citi website: Log in to your account, select the card, and follow the activation instructions.

Contact

If you need additional assistance or have questions about the card, you can contact Citi customer service through the following methods:

• Phone: 1-800-347-4934
• Online Chat: Available on the official Citi website
• Visit a branch: Find the nearest Citi branch for in-person assistance.

Common Mistakes to Avoid with the Citi Rewards+ Card

Avoid these pitfalls to make the most of your Citi Rewards+® Card:

1. Overlooking the Rounding Feature: Missing out on small transactions that round up to the nearest 10 points can reduce your overall rewards.
2. Carrying a Balance: The card’s APR can outweigh the value of earned rewards if you don’t pay off your balance in full each month.
3. Not Leveraging ThankYou® Rewards: Failing to redeem points for high-value rewards, such as travel or gift cards, limits your benefits.
4. Ignoring Bonus Categories: Neglecting to focus on groceries and gas purchases can lead to missed earning opportunities.
5. Forgetting About Points Expiration: Ensure you redeem your points before they expire or become inactive due to lack of account usage.

Avoiding these mistakes ensures you get the most out of the card’s features.

Cashback Redemption Process

The Citi Rewards+® Card offers flexible options for redeeming your earned points. Here’s how the process works:

1. Log In to Your Account: Access your Citi account via the Citi mobile app or website to view your point balance.
2. Explore Redemption Options: Redeem points for statement credits, gift cards, travel bookings, or online purchases at select retailers.
3. Use the Points Rounding Benefit: The card rounds up every purchase to the nearest 10 points, boosting your rewards for smaller transactions.
4. Redeem Through ThankYou® Rewards: Visit the ThankYou Rewards portal to maximize your redemptions on travel, merchandise, or partner offers.
5. Combine Points: If you have other Citi cards, pool your points to unlock greater redemption opportunities.

This streamlined process ensures you get the most value out of your rewards.

Is the Citi Rewards+ Card Right for You?

The Citi Rewards+® Card is a great choice for everyday spenders who want to earn rewards without the hassle of managing an annual fee. Its unique round-up feature makes it particularly valuable for smaller transactions, while the 2x points on groceries and gas cater to essential spending categories.

The card’s flexibility through the ThankYou® Rewards portal allows for diverse redemptions, making it ideal for users seeking both travel and everyday rewards. With no foreign transaction fees, it’s also suitable for occasional international use.

If you’re looking for a no-fee card with innovative rewards and practical earning potential, the Citi Rewards+® Card is an excellent option.