Citi Rewards Card

welcome offer

Earn 15,000 points after $1,000 spent on purchases within the first 3 months. Intro 0% APR for 15 months on purchases and balance transfers.

Bonus Cash Value

Approximately $225*

Annual Fee

$0

Card Rewards

Earn 2 points on gas and supermarkets on the first $6,000 spent annually

Earn 1 point everywhere else

All transactions round up to the nearest 10 points (a $1 gum earns 10 points)

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Citi Rewards Card is great for bumping up your points with inter-city shopping, as you get 2 points on gas and supermarkets on the first $6,000 spent annually. Its super points deal on rounding up all transactions to the nearest 10 gets you a lot more points for each dollar spent. And to top it off, get 10% back on the first 100,000 points redeemed annually. The card also features an intro 0% APR period for 15 months on purchases and balance transfers.

Card-Smart Tips & Advice
  • Good credit needed
  • You can only get approved for one Citi Personal Card every 8 days, and not more than 2 Citi Personal Cards every 65 days
  • Citi will usually pull your Experian credit report (If you freeze Experian you can sometimes request the reconsideration department to pull Equifax)
  • You can check your application status  here  or call 1 888 201 4523
  • If declined you can call 1 800 695 5171 to be reconsidered
Balance Transfer Terms
  • Balance transfer fee: 3% or $5, whichever is greater
  • You cannot transfer balances from other credit cards issued by Citi Bank
  • To receive the Intro APR Offer, transfers must be completed within the first 4 months of account opening
  • Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR offer
Card Details And Benefits
  • Earn 10% back on the first 100,000 points redeemed annually

People also viewed:

Ink Business Preferred

Chase Sapphire Preferred

United Explorer

Chase Sapphire Reserve

Citi Premier Card

Ink Business Cash

Spark Cash Business

Ink Business Unlimited

Spark Miles Business

Capital One Venture

United Business

Miles & More

Amex Gold Delta

Amex Platinum Delta

Barcalys Avaiter

Barclay Aviator Business

Amex Hilton Surpass

Hilton Honors Business

AAdvantage Platinum Business

Citi AAdvantage Card

Alaska Mileage Plan

Alaska Airline Business

US Bank Business Cash

JetBlue Business

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers.