For individuals who wish to accrue rewards on their regular purchases without having to pay an annual fee, the Citi Rewards+® Credit Card provides a number of perks.

The ability to earn double points at supermarkets and gas stations on the first $6,000 spent annually is one of its most notable features, which makes it a great option for everyday necessities.

1X points are awarded for all other purchases. Additionally, the card ensures that even minor purchases add to your rewards balance by rounding up all purchases to the closest 10 points.

The Citi Rewards+® Credit Card offers cardholders a variety of redemption choices in addition to an alluring earning rate.

Within the Citi ThankYou® Rewards program, you can transfer points to a variety of airline and hotel partners and exchange them for cash back, gift cards, or travel.

In order to apply for the Citi Rewards+® Credit Card, candidates need to fulfill a number of important prerequisites.

First, you must be a resident of the United States with a physical address and be at least eighteen years old. P.O. boxes are not accepted for applications at Citi.

Additionally, a legitimate Social Security number (SSN) is required for credit checks and identity verification.

Citi normally requires applicants to have a good to excellent credit score, usually 670 or higher, in order to be considered creditworthy.

However, other elements like your income, debt levels, and general financial health might also affect your eligibility. 

To make sure you can handle your credit obligations, Citi may ask for proof of income, such as employment information or salary details.

Citi also assesses your debt-to-income ratio, taking into account the portion of your income that is currently devoted to your current debts.

Your eligibility for the Citi Rewards+® Credit Card is influenced by all of these variables taken together.

Although these are the standard requirements, Citi may have other standards or factors to take into account when evaluating applications.

Usually, the Citi Rewards+® Credit Card application process starts with the submission of an online application.

To fill out the form, you can go to Citi’s website and enter personal information like your name, address, birthdate, and Social Security number.

In order for Citi to evaluate your capacity to manage credit, you will also need to submit details about your earnings, employment, and debts.

Citi will perform a credit check to assess your creditworthiness after your application is submitted.

Through this procedure, Citi is able to ascertain whether your income, debt levels, and credit score satisfy their requirements for approval.

It typically takes a few minutes to make the decision, though occasionally more paperwork might be needed.

Your Citi Rewards+® Credit Card, together with information about your credit limit and terms, will be issued to you, usually within 7 to 10 business days of your approval.

Citi will provide an explanation if your application is rejected, possibly citing factors like a lack of credit history or a high amount of outstanding debt.

Although applicants have the option to apply in person at a Citi branch or over the phone, the procedure will still entail the same steps, such as submitting the required paperwork and having their credit evaluated.

The absence of foreign transaction fees is another important advantage, which makes it a fantastic choice for tourists visiting other countries.

Additionally, this card provides an affordable means of earning rewards because there is no annual fee.

The Citi Rewards+® Credit Card makes sure that your regular purchases can lead to exciting rewards, whether you’re using it for travel, groceries, or gas.

Take a look at the Discover It Secured Credit Card if you want a credit card that can help you raise your credit score and you don’t meet the requirements!

In addition to improving your credit score, this card has additional perks like up to 2% cashback on restaurant and gas station purchases. Check it out!