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Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
The Citi Rewards+℠ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.24% – 25.24%, based on your creditworthiness.
Cons
The Citi Rewards+℠ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.24% – 25.24%, based on your creditworthiness.
Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
6x points at participating Marriott Bonvoy hotels.
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
Balance Transfers do not earn cash back.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
The standard variable APR for Citi Flex Plan is 13.99% – 23.999% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
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Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Flexible rewards program with an impressive variety of redemption categories
Intro bonus requires spending only $1,000 within the first 3 months
Cons
Foreign transaction fee of 2.7%
Above-average regular APR
Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases in your first 3 months
Earn 2x Membership Rewards® points at US supermarkets on up to $6,000 per year in purchases
Earn 2x Membership Rewards® points when you use your Card to book your trip through AmexTravel.com
Earn 1 Membership Rewards® point for every eligible dollar you spend on everything else
You can use Membership Rewards® points towards eligible charges you make on your Card, such as retail, dining, entertainment and more
Payment Flexibility: Your Card gives you the option to carry a balance with interest or pay in full each month
When you use your American Express® Card for eligible purchases, you can get up to two extra years added to the original manufacturer’s warranty
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Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
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