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Citi Rewards Card is a credit card for consumers who want to earn points on everyday purchases.
We offer a consistent rate of return of 2 points per dollar spent at supermarkets and gas stations and 1 point per dollar spent on all other purchases.
These points can be redeemed in the Citi Thank You Rewards program, which includes options such as statement credits, gift cards, travel and more.
This card also offers an initiation bonus for new cardholders who reach a minimum purchase amount in the first few months.
With a flexible benefits structure and no annual fee, the Citi Rewards Card is an affordable and convenient option for consumers looking to make the most of their daily spending.
Although it has attractive benefits, it does not include premium benefits or direct cashback, which makes it suitable for those who prefer points that can be exchanged for various rewards.
How the Citi Rewards Card works?
The Citi Rewards Card allows cardholders to earn points on every purchase, with a focus on the Supermarket and Gas Station categories, at 2 points per dollar spent.
You earn 1 point per dollar spent on all other purchases, getting consistent rewards on your daily transactions.
The points you earn are automatically added to the Citi ThankYou Rewards program, which offers a variety of redemption options.
Cardholders can use it to reduce their account balance, redeem gift cards, book travel or make purchases directly from partner stores.
This card also includes an attractive introductory bonus for new customers, giving you the opportunity to accumulate additional points quickly as you reach a minimum sales volume in the first few months.
Main benefits of Citi Rewards Card
One of the biggest benefits of the Citi Rewards card is that it helps you earn points in popular categories such as supermarkets and gas stations.
Earn 2 points for every dollar spent, making it perfect for spending on essential items. The
Citi Thank You Rewards program expands flexibility in how points can be used, allowing cardholders to choose the best way to use their points, including statement credits, gift cards and travel bookings.
In addition, this card has no annual fee, making it an affordable card for consumers looking for advantages without a fixed annual fee.
The introductory bonus for new cardholders is a separate draw, giving you the opportunity to start accumulating points straight away.
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Cons of Citi Rewards Card
Although it’s a good option for earning points, the Citi Rewards Card has some limitations.
For example, it doesn’t offer direct redemption, which may not be attractive to consumers who prefer instant financial rewards to points.
Another thing to consider is that the points rate is capped at 1 point per dollar outside of the food and gas categories, which may make it less competitive than other points cards.
In addition, Citi Rewards cards do not include additional benefits such as travel insurance, purchase protection or access to premium services, making them less attractive to frequent travelers or consumers looking for extra perks.
APR and fees
Citi Rewards card offers a 0% introductory APR on purchases and balance transfers for 15 months, allowing new cardholders to finance large purchases without paying interest during the promotional period.
After this period, the effective annual interest rate varies between 18.74% and 8.74% depending on the customer’s creditworthiness.
This card has no annual fee and is available to consumers who want advantages with no fixed annual fee.
However, balance transfers during promotional periods are subject to a fee of 3% of the amount transferred (minimum $5).
International purchases are subject to a foreign transaction fee of 3%. This can be inconvenient for people who frequently shop outside the United States or on foreign websites.
How to apply for the Citi Rewards Card
You can apply for a Citi Rewards card online on the official Citibank website. This process requires basic information such as name, address, annual income and financial history, as well as a credit check to determine the applicant’s eligibility.
Once approved, a physical card will be sent to your registered address, while a digital version can be used immediately to make purchases online or via digital wallets such as Apple Pay or Google Pay.
The card is managed through the Citi mobile app, offering features such as spending tracking, points balance checking and redemption options through the Citi Thank You Rewards program.
To maximize usefulness, users should focus their spending on categories where they can earn the most points, such as supermarkets and restaurants.
