Citi Rewards+® Card Limited Time Offer: 20K Points, 5 Points Per Dollar On Travel, No Annual Fee, 0% APR, Amazing Small Purchase Bonus, Plus ThankYou Redemption Rebates

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Citi Rewards+® Card Limited Time Offer

Citi Rewards+ signup bonus

For a limited time only you’ll earn 20,000 points for spending $1,500 in 3 months on a new Citi Rewards+® Card. Plus, you’ll earn 5 points per dollar on up to $6,000 of airfare, hotels, and travel agencies for the first 12 months of cardmembership.

Citi Rewards+ annual fee

$0.

Citi Rewards+ signup bonus rules

Unfortunately, this card is part of the same card family as the Citi Premier® Card Card so if you got the bonus on that card or closed that card in the past 24 months, you can’t get the bonus for this card. In general, you’ll be much better off applying for the Premier card and downgrading to a card like Rewards+ down the line.

• You can receive the bonus on this card if you haven’t received a bonus or closed the CitiRewards+, Citi ThankYou Preferred, ThankYou Premier, or Citi Prestige card in the past 24 months.
• You can get the bonus even if you downgraded one of those cards in the past 24 months.
• You can get the bonus even if you currently have those cards.
• You can get multiple of the same exact card, so you can apply for a Premier card even if you currently have a Premier card.
• Citi allows applications for 1 card every 8 days and 2 cards every 2 months.
• You can check application status at 866-252-0118 and you can call reconsideration if you’re denied at 800-695-5171.

Citi Rewards+ card earnings

• Signup with this offer and you’ll earn 5 points per dollar on up to $6,000 on airfare, hotels, and travel agencies for the first 12 months of cardmembership.
• Round up to the nearest 10 points on all purchases. If you spend $1, you’ll earn 10 points! If you make a $0.50 Amazon balance reload you’ll also earn 10 points, which is equal to earning 20 points per dollar spent!
• Earn 2 Points per $1 spent at supermarkets and gas stations for the first $6,000 per year.
• Earn 1 points per dollar elsewhere, rounded up to the nearest 10 points per transaction.

Citi Rewards+ redemptions and 10% rebate

Cardholders get a 10% points rebate when you redeem points, up to a 10K points rebate per year. That means if you redeem 15K points for a $150 gift card good for hundreds of different stores, you’ll get a rebate of 1.5K points.

Having a ThankYou card also makes you eligible for Citi Offers on Amazon.

This card can’t transfer points into miles, except for JetBlue at a 5:4 ratio and for a limited time to American at a 2:1 ratio. That means if you transfer 10K points to JetBlue you’ll get 8,000 TrueBlue points and you’ll get a rebate of 1,000 points, which can be transferred to JetBlue once again with another 10% rebate.

However if you also have a Citi Premier® Card you’ll get a 10% rebate on points transferred to miles. More on that below.

Citi also allows you to transfer points other members.

Citi Rewards+ zero APR on purchases and balance transfers

• Get 0% intro APR on purchases for 15 months from date of account opening
• Get 0% intro APR on balance transfers for 15 months from date of the first transfer.
  • Balance transfers need to be completed in the first 4 months of account opening.
  • There is a balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater.

Virtual card numbers

While Citi co-branded cards like their AA cards no longer offer virtual card numbers, their ThankYou cards like Rewards+ still do.

With a virtual card number you can set a dollar limit and/or expiration date to generate a one-time use credit card number so that you don’t keep getting charged for subscriptions or have your real card number stolen, among myriad other potential uses.

Citi Rewards+ points transfers and card conversions

You can transfer Citi points to anyone, but once you transfer points they will expire in 90 days, so only do that if you’re ready to transfer them into airline miles or redeem them another way within that timeframe. You can share 100K points per calendar year and you can receive 100K points per calendar year.

You can typically convert any Citi card into another Citi card.

Citi Bifecta/Trifecta/Quadfecta

Citi has 3 excellent no annual fee cards that pair perfectly with a Citi Rewards+® Card. Any of them paired with the Premier card will make for an incredible bifecta, trifecta, or quadfecta:

• Citi Premier® Card Card
• Citi Double Cash Card
• Citi Custom Cash® Card

A Citi Bifecta would consist of a household that has the Citi Premier® Card and the Citi Double Cash or Citi Rewards+. The total effective annual fee would be just $95. With Citi Premier® Card and Citi Double Cash you can earn 2 points per dollar everywhere and 3 points per dollar on airfare, hotels, travel agents, groceries, gas, and dining. Plus you can transfer your points into miles. With Citi Premier® Card and Citi Rewards+ you can earn 10 points on all small purchases and 3 points per dollar on airfare, hotels, travel agents, groceries, gas, and dining. Plus you’ll earn 5 points per dollar on airfare, hotels, travel agents for your first year, you can transfer your points into miles, and get a 10% points rebate on up to 100,000 points redeemed per calendar year. That means you’ll effectively earn 11.1 points on small purchases and 3.33 points per dollar on airfare, hotels, travel agents, groceries, gas, and dining or 5.55 points per dollar on airfare, hotels, travel agents for your first year. If both members in a household have a Citi Premier® Card and Citi Rewards+ then both members can each get the 10% rebate on up to 100,000 of points redeemed per year.

A Citi Trifecta would consist of a household that has the Citi Premier® Card, the Citi Double Cash, and the Citi Rewards+. The total effective annual fee would be just $95. With those 3 cards you can earn 10 points on all small purchases, 2 points per dollar everywhere, and 3 points per dollar on airfare, hotels, travel agents, groceries, gas, and dining.Plus you’ll earn 5 points per dollar on airfare, hotels, travel agents for your first year, you can transfer your points into miles, and get a 10% points rebate on up to 100,000 points redeemed per calendar year. That means you’ll effectively earn 11.1 points on small purchases and 3.33 points per dollar on airfare, hotels, travel agents, groceries, gas, and dining or 5.55 points per dollar on airfare, hotels, travel agents for your first year.

A Citi Quadfecta would consist of a household that has the Citi Premier® Card, the Citi Double Cash, the Citi Rewards+ and the Citi Custom Cash® Card. The total effective annual fee would be just $95. With those 4 cards you can earn 10 points on all small purchases, 5 points per dollar on $500 of monthly purchases in your top categories that month, 2 points per dollar everywhere, and 3 points per dollar on airfare, hotels, travel agents, groceries, gas, and dining. Plus you can transfer your points into miles. Plus you can transfer your points into miles and get a 10% points rebate, meaning you’ll effectively earn 11.1 points on small purchases, 5.55 points per dollar on $500 of purchases in your top categories, 3.33 points per dollar on airfare, hotels, travel agents, groceries, gas, and dining, and 2.22 points per dollar everywhere.

You can freely convert between all of these card products, as well as to most other Citi cards!

Closing a ThankYou point card means you can’t get a bonus on a ThankYou point card for 24 months, so you should always choose to change to another card instead of closing it.

Point transfer options with Citi Premier® Card

If you also have a Citi Premier® Card , you can transfer points into miles or redeem points for cash back at a rate of 1 cent per point. Plus you’ll get a 10% points rebate when you transfer miles or cash out if you also have a Rewards+ Card!

Alternatively, you can upgrade your Rewards+ card to Premier in order to make a mileage transfer.

• Citi mileage transfer partners now include:
  • Aeromexico (Skyteam): 1K:1K instantly
  • Air France/KLM Flying Blue (Skyteam): 1K:1K instantly
  • Avianca Lifemiles (Star Alliance): 1K:1K instantly
  • Cathay Pacific Asia Miles (OneWorld): 1K:1K instantly
  • Emirates: 1K:1K instantly
  • Etihad: 1K:1K instantly
  • EVA (Star Alliance): 1K:1K in 2-3 days
  • Intermiles: 1K:1K instantly
  • JetBlue: 1K:1K instantly
  • Malaysia (OneWorld): 1K:1K in 1-2 days
  • Qantas (OneWorld): 1K:1K instantly
  • Qatar (OneWorld): 1K:1K in 1-2 days
  • Singapore (Star Alliance): 1K:1K in 1 day
  • Thai (Star Alliance): 1K:1K in 3-7 days
  • Turkish (Star Alliance): 1K:1K in 1 day
  • Virgin Atlantic: 1K:1K instantly
  • Choice Privileges: 1K:2K instantly
  • Wyndham: 1K:1K instantly

With a Citi Rewards+ card you’ll get a 10% points rebate per calendar year, making the effective transfer ratio 0.9 Citi points for 1 airline mile!

You can read more about using those miles here.

Will you apply for a Citi Rewards+® Card?