Citi Rewards Card – How To Apply
The Citi Rewards Card lets you earn valuable rewards on everyday spending, without complicated categories.
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This card offers generous points for purchases in popular categories like dining, entertainment, and supermarkets, all while charging no annual fee.
Whether you’re a frequent shopper or someone who enjoys dining out, the Citi Rewards Card provides great flexibility for earning and redeeming rewards.
It’s designed for those who want to maximize rewards without having to keep track of rotating categories or other complex details.
Citi Rewards Card
Low Annual Fee Limited Bonus CategoriesHow does the Citi Rewards Card work?
The Citi Rewards Card is designed to help you earn rewards quickly and easily on your everyday purchases. Here’s how it works:
- Earning Rewards: You can earn 2 points for every $1 spent on dining, entertainment, and supermarkets (on up to $6,000 spent per year, after which you earn 1 point per $1 spent). For all other purchases, you earn 1 point for every $1 spent. This makes the Citi Rewards Card a great choice for people who spend in these categories.
- Redeeming Rewards: Points can be redeemed for a variety of rewards, including travel, gift cards, statement credits, and merchandise. If you’re a Citi ThankYou Rewards member, you can also transfer your points to participating airline and hotel partners, allowing you to maximize your rewards.
- No Annual Fee: The Citi Rewards Card charges no annual fee, which helps make it a cost-effective option for people who want to earn rewards without paying extra fees.
- Access to Citi Benefits: Cardholders benefit from Citi’s customer service, fraud protection, and other security features, adding value and peace of mind when using the card.
Main benefits of Citi Rewards Card
The Citi Rewards Card offers several benefits that make it an appealing option for those who want to earn rewards without dealing with complicated reward systems:
- Great Rewards on Dining, Entertainment, and Supermarkets: You earn 2 points per $1 spent on dining, entertainment, and supermarket purchases (up to $6,000 spent annually, after which you earn 1 point per $1), which is ideal for people who spend regularly in these categories.
- No Annual Fee: The card charges no annual fee, which makes it a great option for people who want to earn rewards without incurring extra costs.
- Flexible Rewards Redemption: You can redeem your points for a wide range of rewards, including travel, gift cards, statement credits, and more. Plus, you can transfer points to airline and hotel partners through Citi’s ThankYou Rewards program for even more flexibility.
- Access to Citi Benefits: As a Citi cardholder, you get access to 24/7 customer service, fraud protection, and other security features, providing peace of mind and support when needed.
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Cons of Citi Rewards Card
While the Citi Rewards Card offers many advantages, there are a few things to consider:
- Cap on Bonus Categories: The 2x points rate on dining, entertainment, and supermarkets is capped at $6,000 per year, after which you earn 1 point per $1 spent. This could limit the earning potential for those who spend heavily in these categories.
- Foreign Transaction Fees: The card charges a 3% foreign transaction fee, which can make it less ideal for international travel.
- Rewards Expiration: Points may expire if the account is inactive for 12 consecutive months, so it’s important to keep the account active by using the card regularly.
APR and Fees
The Citi Rewards Card offers a variable APR ranging from 20.24% to 29.24%, depending on the cardholder’s creditworthiness.
Additionally, the card includes a 3% foreign transaction fee, which is an important consideration for anyone who frequently travels abroad, as it adds to the cost of purchases made in foreign currencies.
On the positive side, the Citi Rewards Card does not charge an annual fee, making it a cost-effective choice for those who want to earn rewards on everyday spending without having to pay an upfront annual cost.
How to apply for the Citi Rewards Card
Applying for the Citi Rewards Card is straightforward. Here’s how:
- Visit the Application Page: Go to the official Citi website.
- Provide Your Information: You’ll need to provide personal details, such as your name, address, income, and social security number to determine your eligibility.
- Review the Terms: Make sure to review the card’s APR, fees, and rewards structure before submitting your application to ensure it fits your needs.
- Submit Your Application: Once you’ve reviewed the terms and filled out your information, submit your application. If approved, you’ll receive your Citi Rewards Card and can start earning rewards on dining, entertainment, and supermarkets.
