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Citibank Credit Card – How to Apply Online

Every day we go for errands and do different transactions such as purchasing groceries and loading up on gas. While many people still pay using cash, there is also a large demographic of people paying for their transactions using their credit cards.

If you want to pay using your credit and you want to get rewards by doing so, the Citi Rewards+ Credit Card is the best Citibank credit card to use. Its unique features of rewards points and introductory offers are just the tip of the iceberg.


Get to know more about the Citi Rewards+ Credit Card and learn how to apply for this Citibank credit card with the article down below.

Citibank Credit Card - How to Apply Online
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The Standard Features of the Citi Rewards+ Credit Card

The Citi Rewards+ Credit Card is designed for people who use credit cards as part of their day-to-day purchases and transactions. 

Citibank Credit Card - How to Apply Online
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The card rewards users who choose to pay using credit cards, especially in certain transactions through reward points and many other perks. It has an extremely generous welcome offer accompanied by a very long introductory offer that you cannot deny. 


For more information, check out what’s in store for you with the Citi Rewards+ Credit Card down below.

The Best Welcome Offer

When you receive your Citi Rewards+ Credit Card, all you need to do to get the 20,000 reward points is to spend up to $1,500 within the first three months of your account. 

You immediately the bonus rewards points and use them for gift cards that are worth $200.


Zero Introductory Rates

The Citi Rewards+ Credit Card also has an introductory offer of 0% APR for balance transfers of up to 15 months. This can help you save a lot of money from fees and even help you with your balances from other cards and accounts. 

Take advantage of this offer especially when you first apply for the card.

Earn Rewards Through the Citi Rewards+ Credit Card

Cardholders can earn up to 5x rewards points per $1 spent when they use the card on hotel, attraction bookings, and car rentals at CitiTravel. 

This only lasts until December 25, 2025, so make sure that you use the card for your next vacation. You also get to earn 2x rewards points for every dollar that you spend on supermarket and gas purchases. 

Then, you have 1x rewards points for every other transaction that you make with the card.

Redeem Rewards for More Prizes

Once you have enough reward points, you can use them to redeem even more prizes. You can use the rewards points to redeem gift cards at major department stores and restaurants all over the country. 

Another option is to shop using the points that you have accumulated in partner establishments such as Amazon and BestBuy. You can even use the points to cover your most recent purchase through statement credit. 

Additionally, cardholders can use the points to purchase their next flight or hotel bookings.

Interest Rates and Other Charges

The Citi Rewards+ Credit Card has a regular APR for purchases ranging from 18.74% to 28.74% variable. 

For balance transfers, you are charged with 5% of each balance transfer and a minimum of $5 after 4 months of opening your account. 

You will be charged a 3% foreign transaction fee should you use the card abroad. Fortunately, the Citi Rewards+ Credit Card does not have an annual fee.

Is the Citi Rewards+ Credit Card the Right Card For You?

While there may be plenty of other options for a rewards credit card, the Citi Rewards+ Credit Card remains one of the top choices for those who are looking to be rewarded for almost every transaction. 

Citibank Credit Card - How to Apply Online
Image Source: Business Insider

The amount of points you receive and the myriad of prizes you can redeem is enough for you to join the bandwagon. The added introductory offer and the competitive rates will surely help you stay with the card for a longer time. 

If you’re already a Citibank loyalist looking for a rewarding credit card experience, this is the perfect credit card for you.

Contact Details

If you have more inquiries, you can visit their main office located at 388 Greenwich Street New York, NY 10013. 

You can also contact their customer service hotline with the number – 1-800-950-5114. They are open 24/7 and a representative will be able to assist you with your concerns.

What to Do to Apply for the Citi Rewards+ Credit Card

When it comes to applying for a Citi Rewards+ Credit Card, you will need to learn about the requirements first so you can qualify for the card. 

Citibank Credit Card - How to Apply Online
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This makes it easier for you to apply online now that you know you are qualified. First, you need to be 18 years old and above and must have a steady income and employment to apply for the card. 

You also need to have a good to excellent credit score as recommended by the official website for all applicants. 

Apart from that, you must prepare other documents such as proof of identity, residency, and income such as bank statements and income tax returns which will be submitted during the application process.

How to Apply for the Citi Rewards+ Credit Card Online

To apply for the Citi Rewards+ Credit Card, you can go to the official website and select Credit Cards. There is a drop-down menu where you can choose different types of credit cards and choose the Citi Rewards+ Credit Card. 

Click on Learn More to discover more features and perks or review the terms and conditions. Then, click on Apply to start the application process. 

Fill out the online application form with your details and upload the required documents. Review everything first before you submit it and wait for their approval.


If you’re one to make frequent transactions every day and you want to get rewarded for it, the Citi Rewards+ Credit Card is the most cost-effective credit card to use. It has a long list of features apart from the rewards points for you to take advantage of. If you have been looking for a perfect credit card, check the Citi Rewards+ Credit Card and apply for one today!

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.