Credit Cards » Credit Card Reviews » Citi Rewards+SM Card Review 2021
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Citi Rewards+SM Card Review 2021

Citi Rewards+SM Card is the only card that rounds up to the nearest 10 points, significantly increasing the user's chance to earn rewards.

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Table of Contents

Citi Rewards+SM Card is the only credit card that rounds up reward points to the nearest ten. New users can earn up to 15,000 points on purchases up to $1,000 within the first three months of signing-up. There is a 2x points reward when you shop at supermarkets and gas stations up to $6,000, and one point for every $1 on net purchases. 

Also, there is a 10-points back reward on the first thank you points up to 100,000 per year. There are no yearly renewal fees, and customers enjoy up to a fifteen-month zero percent introductory APR for purchases and balance transfers.

Points are redeemable as gift cards, travel rewards by transferring them to airlines or hotels, and to shop at partner merchants like Amazon and BestBuy.  Clients enjoy unique access to ticket presales for the top events and shows across different cities, with the best seats for a full experience. 

There is a mobile application for easy and convenient transactions from the comfort of your home and is downloadable on your mobile device. Citi Rewards+SM Card can be used for international transactions like shopping for clothes from foreign stores and planning your trips to avoid a last-minute rush. 

Citi Rewards+SM Card

On Citi Secure Website

Rewards Plan

Up to 2X points for every $1 you spend

Sign up Bonus

15,000 points

0% Intro

First 15 months




13.49% - 23.49%

Annual Fee


Balance Transfer Fee


Credit Requirements


There is a contactless payment feature where you can pay for services in seconds without the traditional method of inserting into the pos machine by tapping your card on the reader. Customer care agents are available twenty-four hours, seven days a week, to answer inquiries and guide new customers in opening accounts. There is a downside to using the Citi Rewards+SM Card for customers who often purchase foreign merchants' goods because of the minimum fee of $0.50 and 3% charge on the transaction amount.

Card & Issuer Reputation

801/1000 on J.D Power: Citi got 801 out of 1000 available points on J.D. Power credit card satisfaction survey, lower than industry average. J.D Power offers the most comprehensive and independent study of customer satisfaction of card issuers . The study aims to help consumers and issuers to understand user opinions and ratings of the largest bands. It covers terms, benefits, services, communication, rewards and more.

J.D. Power U.S. Credit Card Satisfaction Study 2020

In order to avoid bias based on a small number of reviews, we present only ratings with at least 200 reviews.


Let’s take a look at the advantages of this card and see if it’s the right one for your wallet or not.

There is a zero percent introductory rate for the first fifteen months for purchases and balance transfer, after which is the standard variable APR of 13.49 to 23.49. The APR is low on the minimum side because it falls below the average APR of most credit cards of 14%. Citi Rewards+SM Card is suitable for customers who want a minimal interest rate.

 There is a series of travel benefits to be enjoyed with the Citi Rewards +SM Card, like the protection against flight cancellation and accident insurance. You can rent a car throughout your stay in a foreign country and be guaranteed coverage in case of damages and theft. You can spend less on your flight and hotel expenses by transferring points to partner airlines and hotels.

The mobile application is downloadable on android phones and iPhones via the google play store and apple play store. The mobile app makes transactions easy and convenient. With a working mobile device and an internet connection, you can make payments within seconds and monitor all transactions made with your account.

There is an introductory bonus of 15,000 points on purchases worth $1000 within three months after opening an account. Customers win 2x points on purchases up to $6000 per year on groceries and gas stations and one point for every one dollar spent on other purchases. 

New users will be happy to know that Citi Rewards+SM Card holds the record as the only credit card that rounds up to the nearest 10 points. You also get 10x points back on thank you points up to 100,000 within a year, which is 10% of the rewards within twelve months.

Citi Rewards+SM Card gives clients insurance coverage for rental cars and travel accidents anywhere in the world. Rental cars are insured for damages such as collision and theft to minimize the client's financial responsibility.

There is no yearly renewal fee for your Citi Rewards+SM Card. This feature minimizes the cost of managing your credit card and increases customers’ potential to earn more.


Let’s take a look at the disadvantages of this credit card and see if it’s the right one for your wallet or not.

   There is a charge for international transactions of at least $0.50 and a three percent discount on the transaction amount. This fee significantly high compared to most credit cards that charge $0 for dealing with foreign merchants. Users who often patronize international stores or companies will be discouraged from opening a Citi Rewards+SM Card account because of this feature.

Application Process

Visit the website at and click on the “Apply Now’ button. 

Scroll down to fill in your personal information: name, home address, date of birth, phone number, social security number, and citizenship status

After filling, scroll down to fill in your security word, which is the answer to a personal question: your spouse’s name, pet’s name etc. Now, proceed to fill in your financial information like your total annual income, mortgage, and account type.

Scroll down to add an authorized user by ticking the box (optional), and read the terms and conditions of using the Citi Rewards+SM Card. Scroll down some more to tick the box if you agree and click on “Submit.” 

Your application is now complete, and you will be contacted via any of the contact details you provided for approval on your application. 

Is the Citi Rewards+SM Card Right for You?

   Citi Rewards+SM Card is the only card that rounds up to the nearest 10 points, significantly increasing the user's chance to earn rewards. It is suitable for users who make a lot of small purchases because of the low maximum limit of $1000 in the first three months to earn 15,000 points, and the $6000 limit to earn 2x points in twelve months.

Customers that frequently make large purchases will not find this credit card rewarding enough for their spending habits.

  This credit card is also not suitable for users who frequently deal with foreign merchants because of the foreign fee of 3%, which is high compared to most credit cards that charge $0 for international transactions.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.