Citi Rewards Plus Card Apply: Benefits and Fees!

Choosing the right credit card can significantly enhance your financial strategy, especially if it offers rewards for everyday spending. The Citi Rewards Plus Card is designed for individuals who want to maximize their rewards on routine purchases.

With unique features like rounding up points on every purchase and no annual fee, it stands out in the crowded credit card market. But how do you apply, and is it worth it? Let’s delve into the details to help you make an informed decision.

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How to Apply for the Citi Rewards+ Card

Apply for the Citi Rewards Plus Card is a straightforward process that can be completed online, ensuring convenience and efficiency. Here’s a step-by-step guide to assist you:

Visit the Official Citi Website: Navigate to the Citi Rewards+ Card page.
Initiate the Application: Click on the “Apply Now” button to begin the application process.
Provide Personal Information: Enter your full name, date of birth, Social Security number, and contact details.
Submit Financial Details: Include information about your employment status, annual income, and housing expenses.
Agree to Terms and Conditions: Review and consent to the terms, which include a credit assessment.
Review and Submit: Double-check all entered information for accuracy and submit your application.

After submission, Citi will review your application and notify you of the outcome, typically within a few business days. If approved, your new card will be mailed to you promptly.

Why Choose the Citi Rewards+ Card

The Citi Rewards Plus Card offers a range of benefits tailored to individuals looking to maximize rewards on everyday spending. Here’s an overview of what makes this card appealing:

No Annual Fee: Enjoy the benefits of the card without the burden of an annual fee.
Unique Points Rounding Feature: All purchases round up to the nearest 10 points, maximizing your rewards even on small transactions.
Bonus Points on Supermarkets and Gas Stations: Earn 2 ThankYou Points per dollar spent at supermarkets and gas stations for the first $6,000 per year, then 1 point per dollar thereafter.
1 Point per Dollar on Other Purchases: Earn 1 ThankYou Point per dollar spent on all other purchases.
10% Points Back: Get 10% of your redeemed points back for the first 100,000 ThankYou Points you redeem per year.

These features collectively provide a robust package for cardholders seeking to maximize rewards on everyday purchases.

Requirements to Apply for the Citi Rewards+ Card

Before apply, it’s essential to ensure you meet the eligibility criteria for the Citi Rewards+ Card. The primary requirements include:

Age: Must be at least 18 years old.
Social Security Number: A valid Social Security number is required.
U.S. Residency: Must have a U.S. address.
Credit Standing: A good to excellent credit score (typically 670 or higher) is recommended for approval.

Meeting these criteria increases the likelihood of a successful application and access to the card’s benefits.

Discounts and Rewards Program

The Citi Rewards Plus Card offers a flexible rewards program designed to maximize your points earnings based on your spending habits. Key aspects of the program include:

2 ThankYou Points per Dollar: Earn 2 ThankYou Points per dollar spent at supermarkets and gas stations for the first $6,000 per year, then 1 point per dollar thereafter.
1 ThankYou Point per Dollar: Earn 1 ThankYou Point per dollar spent on all other purchases.
Points Rounding Feature: All purchases round up to the nearest 10 points, maximizing your rewards even on small transactions.
10% Points Back: Get 10% of your redeemed points back for the first 100,000 ThankYou Points you redeem per year.

This structure allows you to tailor your rewards to align with your spending patterns, maximizing the value you receive from everyday purchases.

Advantages and Disadvantages

Understanding the pros and cons of the apply Citi Rewards Plus Card will help you assess its suitability for your financial needs.

Advantages:

No Annual Fee: Enjoy the benefits of the card without the burden of an annual fee.
Unique Points Rounding Feature: Maximize rewards even on small transactions.
Bonus Points on Supermarkets and Gas Stations: Earn higher rewards on common spending categories.
10% Points Back: Enhance the value of your redeemed points.

Disadvantages:

Foreign Transaction Fee: A 3% fee applies to purchases made outside the U.S.
Spending Caps: The 2 ThankYou Points per dollar is capped at $6,000 per year for supermarkets and gas stations.

Weighing these factors will help you determine if the Citi Rewards Plus Card aligns with your financial goals and lifestyle.

What Are the Fees on the Citi Rewards+ Card?

Being aware of the associated fees is crucial for effective financial planning. Here’s a breakdown of the key fees:

Annual Fee: None.
Purchase APR: Variable rate, currently 17.99% – 27.99%, based on your creditworthiness.
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Late Payment Fee: Up to $41.

Understanding these fees ensures you can manage your account responsibly and avoid unnecessary charges.

Contacting Citi for Assistance

If you have questions about your application or need assistance managing your account, Citi offers several ways to get in touch:

Phone Support: Call the customer service line on the back of your card for assistance.
Online Account Center: Log in to your account at Citi’s website to manage your card and access support.
Mobile App: Download the Citi Mobile App to manage your account on the go and contact customer service.

Citi ensures that help is always available whenever you need it.

Is It Worth It?

The Citi Rewards Plus Card is a strong option for those looking to maximize rewards on everyday spending without an annual fee. Its unique points rounding feature and 10% points back on redemptions add significant value. However, consider the foreign transaction fee if you frequently travel abroad. If your spending aligns with the card’s strengths, it’s a top-tier option for maximizing rewards on everyday purchases.

Ready to take the next step? Apply today and start maximizing your rewards with the Citi Rewards+ Card!