Best Credit Cards For Home Culture December 2013 – Forbes Advisor

The Citi+® Rewards Card doesn’t necessarily offer more rewards on home improvement purchases, but it does earn points that round up to 10 for every purchase. This makes the card a good option if you plan to get a small plan that requires many smaller purchases on your card over time.

Awards: Earn 2 ThankYou Points per dollar at supermarkets and gas stations for the first $6,000 in spending per year and 1 ThankYou Point per dollar on other eligible purchases, plus 5 ThankYou® Points per dollar on hotels, car rentals, and attractions booked on the Citi Travel ℠ Portal by June 30, 2024.

Bonus Offer: New cardholders can earn 20,000 bonus points by spending $1,500 in purchases within 3 months of account opening; redeemed for $200 in gift cards at thankyou.com.

Annually: $0

Advantages and Disadvantages: All rewards purchased on this card will be rounded up to the next 10 points, so an $11 stop at Home Depot nets you 20 points rather than 11. In addition, you’ll receive a 10% bonus when you redeem your rewards, which can. net you an additional 10,000 points back per year.

If you want to save money on interest, you’ll also be happy to know that this card offers 0% APR on balance transfers for 15 months from the date of the first transfer and on purchases from the date of opening. After that, the variable APR will be 18.74% – 28.74%, based on your credit rating. An intro balance transfer fee of either 3% of each transfer or a minimum amount of $5 within the first 4 months of account opening is applicable. Then, the amount of each transfer balance will be 5% of each transfer (minimum $5). There is a $0 annual fee, and you can redeem rewards for shopping, travel, gift cards, and more.

Read our full Citizen Rewards + ® Card review.

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