The Citi Rewards+ Card are an ideal option for those with a reasonable budget and only spend primarily on groceries and gas. Cardholders get 2X ThankYou Points at Gas stations and Supermarkets for your first dollar and 1X points thereafter for spending at these places. It offers low interest rates with no balance transfer fees, cash back bonuses, air miles and a host of additional benefits. It can be used anywhere MasterCard is accepted. It is also backed by thousands of banks across the United States. Cardholders can choose from a host of travel partners including American Express, Discover, Delta, JetBlue, Kia Motors, PCC, Sears and Thrifty.
CITI Rewards+ cards are also available for business travelers. These cards have a range of benefits including flight miles and bonus points for every dollar spent at business hotels. The prime card offers a fifteen thousand points for the premium, annual credit card. This provides an annual free flight to destinations like New York, Miami, Chicago, Houston, Las Vegas and Phoenix. If you do not travel much, or if you rarely travel, you should consider this card.
With the CITI Rewards+ you get free perks each time you make a purchase at an approved participating retail store. You get four different types of rewards. First you get cash back rewards. Second, you get airline miles, thirdly you get a point system that works with all major retailers, and finally you get your usual credit APR grace period.
With the CITI Rewards+ you will receive three points for every dollar you charge for your CITI car accessories using your card, as long as you do not exceed your limit. This means if you spend one hundred dollars on anything including gas, food, toiletries and everything else you can earn two hundred and fifty points per dollar. That means once you reach a certain amount of points (either two hundred or five hundred) you will be able to redeem them for gift certificates or other fine rewards.
The CITI Rewards+ has a thirty day grace period. That's a nice feature to know. During this period, you don't have to pay any interest. On the other hand, the card has a ten thousand point cap which means that you can only earn four hundred points per cent on your purchases. That could be disappointing if you are looking for a premier card with a lot of benefits. On the other hand, the cash rebate that comes with spending six hundred dollars or more at CITI stores every month will be worth it.
CITI Rewards+ Rewards: If you're looking for credit cards that offer rewards, then the CITI Rewards+ is not the right card for you. On the other hand, if you travel a lot, like my spouse does, then the CITI Rewards+ would make a good card to have. However, keep in mind that it does require CITI approval. This means you will need to have either a good credit score or you have a cosigner to be approved. This may be a problem for many of us who are tight on cash.
CITI Premier Rewards Rate: On the other hand, the CITI Premier Rewards Rate Card allows you to have cash back and bonus categories even if you don't use your card at the gas station. The problem is that you will not be able to take advantage of the other benefits. For example, if you don't use your card to get cash back, then you will not get the benefit of having a twenty-five percent off sale. You also won't be able to take advantage of the bonus category that is available if you don't have an annual fee card.
The bottom line: Each card has its own benefits and drawbacks. Some cards have better cash back rates, while others give you points or gift cards instead of cash back. When deciding between the two, you must consider how you will use the points and whether or not you need the annual fee card. If you already have an annual fee card, then you should probably get the points and the gift cards because they are a great value. But if you do not have an annual fee, then you might be able to do well with cash back and bonus category spending.
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