Earn 20K Points On The Citi Rewards+: No Annual Fee, 0% APR, Amazing Small Purchase Bonus, Plus ThankYou Redemption Rebates

Never Miss Another Deal - Follow DansDeals on Facebook

Citi Rewards+® Card 

Citi Rewards+ signup bonus

For a limited time only you’ll earn 20,000 ThankYou points for spending $1,500 in 3 months on a new Citi Rewards+® Card. 

Citi Rewards+ annual fee

$0.

Citi Rewards+ signup bonus rules

Bonus ThankYou® Points are not available if you have received a new account bonus for a Citi Rewards+® account in the past 48 months.

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

• 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 20K points for a $200 gift card good for hundreds of different stores, you’ll get a rebate of 2K points.

You can redeem points for gift cards to dozens of stores at 1 cent each, but Citi also runs promotions where you can get 10-20% off gift cards, which will stack with the 10% redemption rebate.

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.

Citi Rewards+ 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, Or 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

With the Citi Double Cash Card you earn 2 ThankYou points per dollar everywhere. You can cash these out for 2% cash back or you can combine a Double Cash card with a Premier card and you’ll also be able to earn 3 points on dollar on gas, dining, groceries, airfare, hotels, and travel agents, plus have the ability to transfer points into airline miles and hotel points. You will also get 0% APR on balance transfers for 18 months.

The Citi Custom Cash® Card offers 5 points per dollar on up to $500 in purchases in your top eligible spending category each billing cycle. This is marketed as 5% cash back, but will actually come in the form of 5 ThankYou points per dollar spent! Eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment. You will also get 0% APR on purchases and balance transfers for 15 months.

The Citi Rewards+® Card automatically rounds up rewards earned on every purchase to the nearest 10 points, meaning you will earn 10 points on a $0.50 Amazon balance reload, which is equal to earning 20 points per dollar spent! You will also get 0% APR on purchases and balance transfers for 15 months.

Having a Citi Rewards+® Card also gets you a 10% points rebate when you redeem points, up to a 10K points rebate per year. While the Rewards+ card doesn’t transfer points into most airline miles, if you have a Citi Premier® Card and a Rewards+ card you’ll even get a 10% rebate on mileage transfers!

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 restaurants 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 restaurants 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 restaurants 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 restaurants 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, 3 points per dollar on airfare, hotels, travel agents, groceries, gas, and dining, and 5 points dollar on restaurants for your first year. 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, 5.55 points per dollar on restaurants for your first year, 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 Citi Premier® Card for 24 months, so you should always choose to change to another card instead of closing it. Ask the agent if your card number will remain the same so that you will still be eligible for more signup bonuses.

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:
  • Aer Lingus, via Qatar: 1K:1K
  • Aeromexico (Skyteam): 1K:1K
  • Air France/KLM Flying Blue (Skyteam): 1K:1K
  • Avianca Lifemiles (Star Alliance): 1K:1K
  • British Airways, via Qatar (OneWorld): 1K:1K
  • Cathay Pacific Asia Miles (OneWorld): 1K:1K
  • Emirates: 1K:1K
  • Etihad: 1K:1K
  • EVA (Star Alliance): 1K:1K
  • Garuda Indonesia (Skyteam): 1K:1K
  • Iberia, via Qatar (OneWorld): 1K:1K
  • Intermiles: 1K:1K
  • JetBlue: 1K:1K
  • Malaysia (OneWorld): 1K:1K
  • Qantas (OneWorld): 1K:1K
  • Qatar (OneWorld): 1K:1K
  • Singapore (Star Alliance): 1K:1K
  • Thai (Star Alliance): 1K:1K
  • Turkish (Star Alliance): 1K:1K
  • Virgin Atlantic: 1K:1K
  • Choice Privileges: 1K:2K
  • Wyndham: 1K:1K

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!

Sample mileage uses:

Turkish Airlines:

As I’ve written about before, Turkish Airlines has a ridiculously generous Star Alliance award chart.

And they don’t charge any fuel surcharges for United flights.

Here is the North America version of the chart with one-way award pricing:

As part of the Star Alliance, Turkish can book award travel on airlines like United and Air Canada.

You can open a Turkish Airlines mileage account online (Hint: Your password must be exactly 6 numbers or else it will give an error).

And you can book Star Alliance awards with Turkish miles here (Login and then click this link again). You can’t search for partner awards from their home page. Search for one-way at a time for best results.

For example you can transfer miles to Turkish Airlines to fly from the US to Tel Aviv on United for just 32K points, or 28.8K points in coach after the 10% rebate with a Rewards+ card:

Or 47K points in Polaris business class (42.3K after the 10% rebate with a Rewards+ card):

There are lots of other bargains, all of which will be 10% less with a Rewards+ card:

• Fly one-way anywhere in the US, including Alaska, Hawaii, Puerto Rico, and USVI, for just 7.5K miles in coach or 12.5K in business class on United with no fuel surcharges.

NYC to Miami in economy for 7.5K or business for 12.5K:

LA to NYC in economy for 7.5K or lie-flat business for 12.5K:

LA to Kauai in economy for 7.5K or business for 12.5K:

• Fly one-way anywhere in the US to Canada or Mexico for just 10K miles in coach or 15K in business class on United with no fuel surcharges.

NYC to Cancun in economy for 10K or business for 15K:

• Fly one-way to Europe for 45K in business class on United with no fuel surcharges.

NYC to Milan in economy for 30K or business for 45K:

Qantas:

With Qantas miles you can redeem for El Al award tickets without any fuel surcharges! You read more about this option here. Plus there have been transfer bonuses in the past.

• A one-way coach ticket from NYC to Tel Aviv on El Al is 37.8K Qantas miles and there are no fuel surcharges.
• A one-way premium economy ticket from NYC to Tel Aviv on El Al is 70.8K Qantas miles and there are no fuel surcharges.
• A one-way business class ticket from NYC to Tel Aviv on El Al is 90K Qantas miles and there are no fuel surcharges.

You can also redeem for tickets on American:

• A one-way coach ticket from NYC to Tel Aviv on AA is 31.5K Qantas miles plus $323.
• A one-way business class ticket from NYC to Tel Aviv on AA is 82K Qantas miles plus $323.

Avianca Lifemiles: Awards on United start at just 6.5K miles and as low as 5.2K miles with frequent 25% transfer bonuses.

Flying Blue: Fly from Los Angeles to Tahiti in lie-flat business class for 64K miles. 37K Flying Blue miles is enough to fly nonstop on Delta between North America and Israel.

Emirates: With 135K Emirates miles you can fly round-trip in A380 Shower Class from JFK to Milan. With 217.5K Emirates miles you can fly round-trip in A380 Shower Class from JFK to Dubai.

 

View this post on Instagram

 

A post shared by DansDeals (@dansdeals)

JetBlue: Book awards with free cancellations.

Cathay Pacific: Avoid and lower fuel surcharges on partner airlines like AA and BA. With 90K Cathay Pacific Asia Miles miles you can book a round-trip business class award between North America and Europe.

Singapore: Book highly rated premium cabin or suites on Singapore flights that are blocked with partner miles.

Virgin Atlantic: Bargains on ANA First Class suites and on Delta flights. 7.5K Virgin Atlantic miles is enough for a Delta short-haul flight and 50K is enough to fly nonstop on Delta between North America and Israel.

You only need 55K Virgin Atlantic miles to fly one-way between the US west coast and Japan or 60K miles to fly one-way between the US east coast and Japan in first class.

Related post: How To Maximize A Citi Quadfecta To Earn Cashback Or 2.22-5.55 Turkish, Or Qantas Miles Per Dollar

Will you apply for a Citi Rewards+® Card?

HT: DoC