The Citi Rewards+® Card currently offers new cardmembers 20,000 bonus points after spending $1,500 within the first 3 months. This is the standard welcome offer on this card.
Alone, this card is relatively unexciting. Sure, it has the best extended warranty benefit of any credit card. But its rewards are lackluster and in most cases bested by a 2% cash back card.
Where the Rewards+ card gets really interesting is when it is part of a Citi ThankYou Points wallet containing other ThankYou Points-earning cards. The Rewards+ card offers a 10% Points Back rebate on the first 100,000 ThankYou points you redeem each year. When you hold multiple ThankYou Points cards and combine your ThankYou Points accounts, you can get rebate when you redeem the points you earned on any ThankYou Points card.
Citi Rewards+® Card welcome bonus:
bonus_miles_full
All information about the Citi Rewards+® Card has been collected independently by cardsandpoints.com.
Click here to learn more and apply.
Our take on the welcome bonus: Last year, Citi offered a slightly higher bonus on this card, but that doesn’t happen often. It’s probably not worth waiting for a larger bonus that is likely to amount to just 5,000 additional points.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
Citi Rewards+® Card at a glance:
Annual fee: $0
Rewards: 5x on hotels and car rentals booked through Citi Travel through June 30, 2024. 2x at supermarkets and gas stations for the first $6,000 per year, then 1x. 1x on other purchases.
My take on this welcome bonus
Last year, we saw an increased offer on the Citi Rewards+® Card, but Citi doesn’t frequently increase the welcome offer on this card. The required $1,500 spending within three months is a little steep for a bonus of this size, but this isn’t a card that you get for the welcome bonus.
If you are invested in the Citi ThankYou® Points ecosystem, there’s probably not a reason to wait on this card. The points you will earn from the 10% point rebate by having this card in a combined ThankYou Points account will likely be more valuable than any marginal additional welcome bonus points.
Citi ThankYou Points card synergies
When you hold multiple Citi cards that earn ThankYou Points, you can choose to combine your ThankYou Rewards accounts and earn a single pool of points. This feature of the ThankYou Rewards program means that holding multiple Citi ThankYou Points cards will enable you to both earn more points on your purchases and give you more options when you redeem your points.
Here’s a quick overview of how these ThankYou Points synergies work.
Earning ThankYou Points across cards
Citi offers four cards that earn ThankYou Points to new cardmembers. You’ll earn the most points from your spending by using the card that earns the most points for your purchase. For example, at grocery stores, you might choose to use the Citi Premier® Card over the Citi Double Cash because you’ll earn 3 points per dollar rather than 2.
Here’s an overview of how many points the four ThankYou Points cards earn in their respective bonus categories.
| Citi® Double Cash Card | Citi Custom Cash℠ Card | Citi Rewards+® Card | Citi Premier® Card | |
|---|---|---|---|---|
 |  |  |  | |
| Restaurants | – | Up to 5x | – | 3x |
| Drugstores | – | Up to 5x | – | – |
| Gas stations | – | Up to 5x | 2x (on the first $6,000 spent across bonus categories) | 3x |
| Supermarkets | – | Up to 5x | 2x (on the first $6,000 spent across bonus categories) | 3x |
| Streaming (Select providers) | – | Up to 5x | – | – |
| Travel – Citi Travel Portal | 5x Hotels, car rentals and attractions booked through Citi Travel through June 30, 2024. | – | 5x Hotels, car rentals and attractions booked through Citi Travel through June 30, 2024. | 10x Hotels, car rentals and attractions booked through Citi Travel through June 30, 2024. |
| Travel – Air Travel | – | Up to 5x | – | 3x |
| Travel – Hotels | – | Up to 5x | – | 3x |
| Travel – Cruise line and travel agency | – | Up to 5x | – | – |
| Select transit | – | Up to 5x | – | – |
| Home improvement stores | – | Up to 5x | – | – |
| Fitness clubs | – | Up to 5x | – | – |
| Live entertainment | – | Up to 5x | – | – |
| Everywhere else | 2x (1% as you buy, plus 1% as you pay.) | 1x | 1x | 1x |
All of the cards in the table above earn ThankYou® Points, even though some are marketed as cash back cards.
The Citi Custom Cash℠ Card earns 5% cash back in the one eligible category where you spend the most each statement cycle, on up to $500 of spending. Other purchases earn 1%.
Redeeming Citi ThankYou Points with multiple cards
The key to maximizing the value of your ThankYou Point redemptions is holding multiple ThankYou Points cards and earning your ThankYou points in a combined ThankYou Points account. When you combine your ThankYou Points accounts, you get access to the best redemption options available from each of your cards. Here are the ThankYou Points redemption options that vary between cards.
| Citi® Double Cash Card | Citi Custom Cash℠ Card | Citi Rewards+® Card | Citi Premier® Card | |
|---|---|---|---|---|
| | | | |
| Cash back rewards (Including statement credits, direct deposit, and check by mail) | 1 cent/point | 1 cent/point | 0.5 cents/point | 1 cent/point |
| Point transfers to airlines and hotels | Select partners only Lower transfer ratios | Select partners only Lower transfer ratios | All transfer partners Best transfer ratios | |
| Redemption bonus | – | – | 10% bonus on up to 100,000 points redeemed per year | – |
The table above doesn’t include some redemption options, like gift cards and pay with points. This is because the redemption options either do not vary across cards (gift cards) or because the value of the redemption is less than the cash back redemption value.
Citi Rewards+® Card welcome bonus:
bonus_miles_full
All information about the Citi Rewards+® Card has been collected independently by cardsandpoints.com.
Click here to learn more and apply.
Our take on the welcome bonus: Last year, Citi offered a slightly higher bonus on this card, but that doesn’t happen often. It’s probably not worth waiting for a larger bonus that is likely to amount to just 5,000 additional points.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
Citi Rewards+® Card at a glance:
Annual fee: $0
Rewards: 5x on hotels and car rentals booked through Citi Travel through June 30, 2024. 2x at supermarkets and gas stations for the first $6,000 per year, then 1x. 1x on other purchases.
A few notes on applying for Citi credit cards
- Citi has limits on the number of applications you can submit. You can only apply for one personal card every eight days and no more than two cards every rolling 65 days. Business cards are subject to the same eight-day limitation, but you can apply for no more than one business card every 95 days.
- You can get a new customer welcome bonus on Citi cards multiple times, but Citi has rules on how often you can earn a welcome bonus.
- ThankYou Point welcome offers are typically not available if you’ve received a new account bonus on the same card in the past 48 months.
- Welcome bonuses on AAdvantage cards are only available if you have not received a welcome bonus for the same card within the past 48 months.
- There is no limit to the number of Citi cards you can hold.
- You can check your application status on the Citi website or by calling 1-866-606-2787.
Citi Rewards+® Card welcome bonus:
bonus_miles_full
All information about the Citi Rewards+® Card has been collected independently by cardsandpoints.com.
Click here to learn more and apply.
Our take on the welcome bonus: Last year, Citi offered a slightly higher bonus on this card, but that doesn’t happen often. It’s probably not worth waiting for a larger bonus that is likely to amount to just 5,000 additional points.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
Citi Rewards+® Card at a glance:
Annual fee: $0
Rewards: 5x on hotels and car rentals booked through Citi Travel through June 30, 2024. 2x at supermarkets and gas stations for the first $6,000 per year, then 1x. 1x on other purchases.
