Citi Rewards Card

Citi Rewards Card offers convenience, security and financial versatility for all your users.

Credit Card

Citi Rewards Card

2X ThankYou® Points Flexible redemption options

Financing option in convenient installments.

How to Apply You will remain on the current site

The Citi Rewards Card is designed for individuals who want to maximize rewards on everyday spending without complicating their finances. Offering generous points on purchases like groceries, dining, and gas, this card allows you to earn rewards where you shop the most.

With no annual fee and a simple points structure, the Citi Rewards Card is a practical choice for anyone looking to earn meaningful benefits from their everyday transactions.

Earn Points on What Matters Most

The Citi Rewards Card offers 2X ThankYou® Points on purchases at supermarkets and gas stations for the first $6,000 spent annually. After reaching this threshold, you’ll still earn 1X points on these purchases. Additionally, all other purchases earn 1X points, ensuring that every dollar spent contributes to your rewards.

These points are flexible and can be redeemed for gift cards, travel bookings, statement credits, or even direct deposits. Citi’s ThankYou® Rewards program offers a range of redemption options, making it easy to use your rewards in a way that fits your lifestyle.

New cardholders can also take advantage of a 0% introductory APR on purchases and balance transfers for the first 15 months, followed by a variable APR. With no annual fee, the Citi Rewards Card provides exceptional value without adding costs.

Security and Added Perks

The card includes robust security features such as fraud alerts, $0 liability for unauthorized charges, and access to Citi® Quick Lock, allowing you to instantly lock your card if it’s misplaced. Citi also provides digital tools for managing your account, offering convenience and peace of mind.

Pros and Cons

Pros

• 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 annually.
• Flexible redemption options through the ThankYou® Rewards program.
• No annual fee, keeping costs manageable.
• 0% introductory APR for 15 months on purchases and balance transfers.

Cons

• Points revert to 1X after reaching the $6,000 spending cap on bonus categories.
• Requires good to excellent credit for approval.
• Limited premium perks compared to some competitors.

How Do I Know If the Citi Rewards Card Is the Best Credit Card for Me?

The Citi Rewards Card is perfect for individuals who spend regularly on groceries and gas and want to earn points on these essential purchases. Its flexibility in point redemption makes it ideal for users who want options when using their rewards.

However, if you’re looking for travel-focused perks, elevated rewards for dining, or unlimited points in certain categories, other cards may better suit your needs. The Citi Rewards Card is best for everyday spenders prioritizing rewards on essentials.

Why Do We Like This Card?

We like the Citi Rewards Card for its focus on rewarding everyday purchases. With 2X points on groceries and gas and no annual fee, it provides significant value for essential spending.

The flexibility of the ThankYou® Rewards program further enhances its appeal, making it a versatile option for a range of cardholders.