Citi Rewards Card

Citi Rewards Card Review Highlights

Annual Fee: $0

This is $19.76 below average for a credit card.

Bonus Category Rewards

2 points per $1 at supermarkets and gas stations, on up to $6,000 spent per year, then 1 point per $1.

Base Rewards Rate

1 point per $1 spent with no limit. The average rewards card with points or miles gives 1.17 points/miles per $1.

Initial Bonus

15,000 points for spending $1,000 within three months of opening an account. The best credit card sign-up bonuses are worth $500+ but have higher initial spending requirements. The average credit card with points or miles gives 22,150 points/miles as an initial rewards bonus.

Other Bonuses

Citi Rewards+ gives back 10% of the first 100,000 points you redeem each year. It also rounds the points you earn on each purchase up to the nearest multiple of 10.

Point Value

1 cent when redeemed for gift cards at thankyou.com. You can also pay with points on amazon.com and bestbuy.com or redeem for statement credits, but you might get slightly less value.

Intro APRs

0% for 15 months on new purchases and 0% for 15 months on balance transfers, with a 3% (min $5) balance transfer fee. Those rates are above average among 0% APR credit cards.

Regular APR

13.49% – 23.49% (V), based on creditworthiness. The average APR among credit cards for people with good credit is 19.24%, and the excellent-credit average is 12.99%. This is not the card for regularly carrying a balance from month to month.

Foreign Transaction Fee

3%. The average credit card foreign transaction fee is 1.44%. It’s that low in large part due to the growing number of credit cards with no foreign transaction fees on the market. It’s best to get such a card before traveling internationally or making online purchases through merchants based abroad.