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Last updated: 5/10/2022

Citi Rewards+

Earns: Citi Thank You Points

★★★★★
★★★★★
GigaTake:

An OK card for earning Citi ThankYou points, with a few quirks that help boost its value. But unless you really like Citi points, you may get more value from a cash-back card like the Citi Double Cash or a more valuable Chase Ultimate Rewards card.

This card is best for:

  • Groceries
  • Gas

GigaPoints has partnered with CardRatings for our coverage of credit card products. GigaPoints and CardRatings may receive a commission from card issuers. However, opinions, reviews, analyses & recommendations are GigaPoints’ alone, and have not been reviewed, endorsed or approved by any of these entities. Read more here.

Summary For You
Pros & Cons
Comparison
Highlights
Features
Articles
Details

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Citi Thank You Points
per year		 ${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}		 ${{totalValueToUser | number}}

How’d we figure that out?

${{totalAmount | number}} =

{{totalAmount | number}} =

–${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus
Annual Fee${{annualFeeAmount | number}}
All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}
Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}
{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}
Welcome Bonus${{welcomeBonusAmount | number}}
Include Welcome Bonus
  • Annual Fee
  • Plus Base Spending
  • Merchant Bonus
  • Category Bonus
  • Welcome Bonus

Pros

  • Reasonable returns for groceries and gas, 2 points per dollar.
  • No annual fee.
  • Points get rounded up on each purchase, boosting earnings a little.

Cons

  • Other cards earn more.

See how the Citi Rewards+ compares to other credit cards

Citi Rewards+ Other Cards

Rewards

Show Rewards For:

{{graphDisplayName}}

Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1.4 cents per point
Effective Value = 2.8 %

0%

0%

Chase Slate Edge

0.7%

Wyndham Rewards Earner Business

0.7%

Uber Visa

0.7%

Citi Expedia Rewards

0.8%

Marriott Bonvoy Bold

1%

U.S. Bank Business Triple Cash Rewards World Elite Mastercard(R)

1%

U.S. Bank Business Cash Rewards World Elite MasterCard

1%

Costco Anywhere Visa® Business

1%

Citi Custom Cash℠

1%

Delta SkyMiles® Reserve Business American Express

1%

Delta SkyMiles® Gold Business American Express

1%

Delta SkyMiles® Platinum Business American Express

1%

Apple Card

1%

Chase Freedom Student

1%

Venmo Credit Card

1%

Chase Ink Business Cash

1.2%

CitiBusiness/ AAdvantage Platinum Select

1.2%

Iberia Visa Signature®

1.2%

Emirates Skywards Rewards World Elite Mastercard

1.2%

Emirates Skywards Premium World Elite Mastercard

1.2%

Choice Privileges

1.2%

British Airways Visa Signature®

1.2%

AAdvantage Aviator Red

1.2%

Citi AAvantage Executive World Elite

1.2%

American Express Hilton Honors Aspire

1.2%

Citi / AAdvantage Platinum Select World Elite Mastercard

1.3%

Southwest Rapid Rewards® Performance Business

1.3%

Southwest Rapid Rewards® Premier Business Credit Card

1.3%

United Quest

1.3%

United Gateway

1.3%

United Club℠ Infinite Card

1.3%

Southwest Rapid Rewards® Priority Credit Card

1.3%

United℠ Explorer

1.3%

Southwest Rapid Rewards® Plus Credit Card

1.3%

Southwest Rapid Rewards® Premier Credit Card

1.4%

Wyndham Rewards Earner

1.4%

IHG Rewards Club Traveler

1.4%

Wyndham Rewards

1.4%

Citi Prestige

1.4%

Bank of America Alaska Air

1.5%

Capital One Quicksilver Student

1.5%

Upgrade Bitcoin Rewards

1.5%

Capital One Spark Cash Select for Business

1.5%

Ink Business Unlimited®

1.5%

The Plum Card® from American Express

1.5%

Navy Federal cashRewards

1.5%

BlockFi Bitcoin Rewards Credit Card

1.5%

Bank of America Premium Rewards

1.5%

USAA Preferred Cash Rewards

1.5%

Discover it Miles

1.5%

U.S. Bank Altitude Reserve

1.6%

Marriott Bonvoy Business™ American Express®

1.6%

Marriott Bonvoy Brilliant™ American Express®

1.6%

Marriott Bonvoy Boundless

1.62%

Capital One VentureOne Rewards

1.7%

American Express® Business Gold

1.7%

Blue from American Express

1.7%

American Express Green Card

1.7%

American Express Platinum

1.7%

Chase World of Hyatt

1.8%

Chase Sapphire Reserve

1.8%

Chase Sapphire Preferred

1.95%

United Club

2%

Capital One Spark Cash Plus

2%

Capital One Spark Cash for Business

2%

Wells Fargo Active Cash Card

2%

U.S. Bank Altitude Connect

2%

Amazon Prime Rewards Visa Card

2%

American Express Blue Business Cash™

2%

U.S. Bank Altitude Go

2%

Luxury Card Mastercard Titanium

2%

Fidelity Rewards Visa

2%

Luxury Card Mastercard Gold

2%

Luxury Card Mastercard Black

2.09%

IHG® Rewards Club Premier

2.4%

Hawaiian Airlines World Elite Mastercard

2.4%

American Express Hilton Honors Surpass

2.4%

Citi AAdvantage MileUp

2.6%

Capital One Venture X Rewards

2.6%

JetBlue Card

2.6%

Capital One Spark Miles

2.6%

Capital One Venture Rewards

2.8%

Wyndham Rewards Earner Plus

2.8%

Citi Rewards+
 2.8%

3%

Capital One SavorOne Student

3%

Navy Federal More Rewards American Express

3%

PenFed Platinum Rewards

3%

Capital One SavorOne Rewards

3%

Blue Cash Everyday® Card from American Express

3.4%

American Express Everyday

4.19%

Citi Premier

5.09%

American Express Everyday Preferred

6%

Blue Cash Preferred® Card from American Express

6.8%

American Express Gold
7%

Reward Rate = 2x

Value = 1.4 cents per point
Effective Value = 2.8 %

0%

0%

Chase Slate Edge

0.7%

Citi Expedia Rewards

0.7%

Uber Visa

0.75%

Starbucks Rewards Visa

0.8%

Marriott Bonvoy Bold

1%

Capital One SavorOne Student

1%

Citi Custom Cash℠

1%

Delta SkyMiles® Reserve Business American Express

1%

Delta SkyMiles® Platinum Business American Express

1%

Delta SkyMiles® Gold Business American Express

1%

Apple Card

1%

Chase Freedom Student

1%

Capital One Walmart Rewards

1%

Venmo Credit Card

1%

U.S. Bank FlexPerks Select+

1%

Chase Freedom Flex

1.2%

Iberia Visa Signature®

1.2%

Emirates Skywards Rewards World Elite Mastercard

1.2%

Emirates Skywards Premium World Elite Mastercard

1.2%

Choice Privileges

1.2%

AAdvantage Aviator Red

1.2%

British Airways Visa Signature®

1.2%

Citi AAdvantage MileUp

1.2%

Citi AAvantage Executive World Elite

1.2%

American Express Hilton Honors Aspire

1.3%

Southwest Rapid Rewards® Performance Business

1.3%

Southwest Rapid Rewards® Premier Business Credit Card

1.3%

United Quest

1.3%

United Club℠ Infinite Card

1.3%

JetBlue Card

1.3%

Southwest Rapid Rewards® Priority Credit Card

1.3%

United℠ Explorer

1.3%

Southwest Rapid Rewards® Plus Credit Card

1.3%

Southwest Rapid Rewards® Premier Credit Card

1.4%

Wyndham Rewards

1.4%

Bank of America Alaska Air

1.4%

Citi Prestige

1.5%

Capital One Quicksilver Student

1.5%

Upgrade Bitcoin Rewards

1.5%

Capital One Spark Cash Select for Business

1.5%

Ink Business Unlimited®

1.5%

The Plum Card® from American Express

1.5%

Navy Federal cashRewards

1.5%

BlockFi Bitcoin Rewards Credit Card

1.5%

Bank of America Premium Rewards

1.5%

USAA Preferred Cash Rewards

1.5%

Discover it Miles

1.5%

U.S. Bank Altitude Reserve

1.6%

Marriott Bonvoy Boundless

1.6%

Marriott Bonvoy Brilliant™ American Express®

1.62%

Capital One VentureOne Rewards

1.7%

American Express® Business Gold

1.7%

American Express Green Card

1.7%

Blue from American Express

1.7%

American Express Everyday

1.7%

American Express Platinum

1.7%

Chase World of Hyatt

1.7%

American Express Gold

1.8%

Chase Sapphire Reserve

1.8%

Chase Sapphire Preferred

1.95%

United Club

2%

Capital One Spark Cash Plus

2%

Capital One Spark Cash for Business

2%

Wells Fargo Active Cash Card

2%

Amazon Prime Rewards Visa Card

2%

U.S. Bank Altitude Go

2%

Fidelity Rewards Visa

2%

American Express Blue Business Cash™

2%

Luxury Card Mastercard Black

2%

Luxury Card Mastercard Titanium

2%

Chase Ink Business Cash

2%

Luxury Card Mastercard Gold

2.09%

IHG Rewards Club Traveler

2.4%

CitiBusiness/ AAdvantage Platinum Select

2.4%

American Express Hilton Honors Surpass

2.4%

Hawaiian Airlines World Elite Mastercard

2.4%

Citi / AAdvantage Platinum Select World Elite Mastercard

2.6%

Capital One Venture X Rewards

2.6%

Capital One Spark Miles

2.6%

United Gateway

2.6%

Capital One Venture Rewards

2.8%

Citi Rewards+
 2.8%

3%

U.S. Bank Business Triple Cash Rewards World Elite Mastercard(R)

3%

U.S. Bank Business Cash Rewards World Elite MasterCard

3%

Navy Federal More Rewards American Express

3%

Blue Cash Preferred® Card from American Express

3%

AARP Rewards

3%

U.S. Bank FlexPerks Gold

3%

Wells Fargo Propel

3.2%

Marriott Bonvoy Business™ American Express®

3.4%

American Express Everyday Preferred

3.5%

Wyndham Rewards Earner

3.5%

IHG® Rewards Club Premier

4%

Costco Anywhere Visa® Business

4%

Citi Costco Anywhere Visa

4%

U.S. Bank Altitude Connect

4.19%

Wyndham Rewards Earner Plus

4.19%

Citi Premier

5%

PenFed Platinum Rewards

5.6%

Wyndham Rewards Earner Business
6%

Reward Rate = 1x

Value = 1.4 cents per point
Effective Value = 1.4 %

0%

0%

Chase Slate Edge

0.7%

Wyndham Rewards Earner Business

0.7%

Wyndham Rewards Earner

0.7%

Wyndham Rewards Earner Plus

0.7%

Wyndham Rewards

0.7%

Citi Expedia Rewards

0.7%

Uber Visa

0.75%

Starbucks Rewards Visa

0.8%

Marriott Bonvoy Bold

1%

Capital One SavorOne Student

1%

U.S. Bank Business Triple Cash Rewards World Elite Mastercard(R)

1%

U.S. Bank Business Cash Rewards World Elite MasterCard

1%

Costco Anywhere Visa® Business

1%

Citi Custom Cash℠

1%

Delta SkyMiles® Platinum Business American Express

1%

Delta SkyMiles® Reserve Business American Express

1%

Chase Freedom Student

1%

Delta SkyMiles® Gold Business American Express

1%

Amazon Prime Rewards Visa Card

1%

U.S. Bank Altitude Connect

1.2%

CitiBusiness/ AAdvantage Platinum Select

1.2%

Iberia Visa Signature®

1.2%

Emirates Skywards Rewards World Elite Mastercard

1.2%

Emirates Skywards Premium World Elite Mastercard

1.2%

Choice Privileges

1.2%

Hawaiian Airlines World Elite Mastercard

1.2%

AAdvantage Aviator Red

1.2%

American Express Hilton Honors Surpass

1.2%

Citi AAdvantage MileUp

1.2%

American Express Hilton Honors Aspire

1.2%

British Airways Visa Signature®

1.3%

Southwest Rapid Rewards® Performance Business

1.3%

Southwest Rapid Rewards® Premier Business Credit Card

1.3%

United Quest

1.3%

United Gateway

1.3%

United Club℠ Infinite Card

1.3%

United℠ Explorer

1.3%

JetBlue Card

1.3%

Southwest Rapid Rewards® Premier Credit Card

1.3%

Southwest Rapid Rewards® Priority Credit Card

1.3%

Southwest Rapid Rewards® Plus Credit Card

1.4%

IHG Rewards Club Traveler

1.4%

Citi Premier

1.4%

Citi Prestige

1.4%

Bank of America Alaska Air

1.4%

Citi Rewards+
 1.4%

1.5%

Capital One Quicksilver Student

1.5%

Upgrade Bitcoin Rewards

1.5%

Capital One Spark Cash Select for Business

1.5%

Ink Business Unlimited®

1.5%

The Plum Card® from American Express

1.5%

Navy Federal cashRewards

1.5%

BlockFi Bitcoin Rewards Credit Card

1.5%

Bank of America Premium Rewards

1.5%

USAA Preferred Cash Rewards

1.5%

Discover it Miles

1.5%

U.S. Bank Altitude Reserve

1.6%

Marriott Bonvoy Business™ American Express®

1.6%

Marriott Bonvoy Brilliant™ American Express®

1.6%

Marriott Bonvoy Boundless

1.62%

Capital One VentureOne Rewards

1.7%

American Express® Business Gold

1.7%

American Express Green Card

1.7%

Blue from American Express

1.7%

American Express Everyday Preferred

1.7%

American Express Everyday

1.7%

American Express Gold

1.7%

American Express Platinum

1.7%

Chase World of Hyatt

1.8%

Chase Sapphire Reserve

1.8%

Chase Sapphire Preferred

1.95%

United Club

2%

Capital One Spark Cash Plus

2%

Capital One Spark Cash for Business

2%

Wells Fargo Active Cash Card

2%

American Express Blue Business Cash™

2%

Fidelity Rewards Visa

2%

Luxury Card Mastercard Black

2%

Luxury Card Mastercard Titanium

2%

PayPal Cashback

2%

Luxury Card Mastercard Gold

2%

Citi Double Cash

2.09%

IHG® Rewards Club Premier

2.6%

Capital One Venture X Rewards

2.6%

Capital One Venture Rewards

2.6%

Capital One Spark Miles
3%

Welcome Bonus =

Value = 1.4 cents per point
Effective Value = $0

$0

$0

Capital One Quicksilver Student

$0

Upgrade Bitcoin Rewards

$0

Chase Slate Edge

$0

Costco Anywhere Visa® Business

$0

The Plum Card® from American Express

$0

Fidelity Rewards Visa

$0

Luxury Card Mastercard Titanium

$0

Luxury Card Mastercard Black

$0

Luxury Card Mastercard Gold

$0

Citi Rewards+
 $0

$5

U.S. Bank Business Cash Rewards World Elite MasterCard

$25

USAA Rewards American Express

$25

USAA Rewards Visa

$50

Chase Freedom Student

$50

Disney Visa

$70

Uber Visa

$100

Capital One SavorOne Student

$100

Amazon Prime Rewards Visa Card

$100

PenFed Platinum Rewards

$100

Navy Federal cashRewards

$100

U.S. Bank FlexPerks Select+

$100

AARP Rewards

$100

Delta SkyMiles Blue American Express

$105

Citi Expedia Rewards

$120

Citi AAdvantage MileUp

$130

JetBlue Card

$135

Starbucks Rewards Visa

$150

Navy Federal More Rewards American Express

$150

United TravelBank

$150

American Express Cash Magnet

$150

Wells Fargo Cash Wise

$150

U.S. Bank Cash 365

$170

American Express Everyday

$192

Choice Privileges

$200

Wells Fargo Active Cash Card

$200

Citi Custom Cash℠

$200

U.S. Bank Altitude Go

$200

Navy Federal GO REWARDS

$200

Chase Freedom Flex

$200

Capital One SavorOne Rewards

$200

U.S. Bank Cash+

$200

Disney Premier Visa

$200

Blue Cash Everyday® Card from American Express

$200

Chase Freedom Unlimited

$200

Capital One Quicksilver Cash Rewards

$210

Wyndham Rewards Earner

$210

Wyndham Rewards

$250

American Express Blue Business Cash™

$250

Bank of America Travel Rewards

$250

BlockFi Bitcoin Rewards Credit Card

$250

US Bank Flex Perks Travel

$255

American Express Everyday Preferred

$260

Capital One VentureOne Rewards

$300

Capital One Savor Rewards

$314.99

Wyndham Rewards Earner Plus

$350

Blue Cash Preferred® Card from American Express

$360

Emirates Skywards Rewards World Elite Mastercard

$390

United Gateway

$400

Hilton Honors American Express Card

$450

U.S. Bank FlexPerks Gold

$480

Emirates Skywards Premium World Elite Mastercard

$480

Marriott Bonvoy Bold

$500

Capital One Spark Cash Plus

$500

U.S. Bank Business Triple Cash Rewards World Elite Mastercard(R)

$500

Capital One Spark Cash Select for Business

$500

Capital One Spark Cash for Business

$500

U.S. Bank Altitude Connect

$500

American Express Hilton Honors Surpass

$500

Bank of America Premium Rewards

$510

American Express Green Card

$510

Chase World of Hyatt

$560

IHG Rewards Club Traveler

$560

Bank of America Alaska Air

$600

Delta SkyMiles® Reserve Business American Express

$600

Delta SkyMiles® Platinum Business American Express

$600

Marriott Bonvoy Business™ American Express®

$600

American Express Hilton Honors Aspire

$600

Citi AAvantage Executive World Elite

$600

Marriott Bonvoy Brilliant™ American Express®

$600

Citi / AAdvantage Platinum Select World Elite Mastercard

$650

Capital One Spark Miles

$700

Citi Prestige

$700

Delta SkyMiles Gold® American Express

$720

AAdvantage Aviator Red

$720

Hawaiian Airlines World Elite Mastercard

$750

Ink Business Unlimited®

$750

U.S. Bank Altitude Reserve

$750

Chase Ink Business Cash

$780

CitiBusiness/ AAdvantage Platinum Select

$780

United℠ Explorer

$780

Southwest Rapid Rewards® Premier Business Credit Card

$900

Iberia Visa Signature®

$900

British Airways Visa Signature®

$900

Delta SkyMiles® Platinum American Express

$910

Southwest Rapid Rewards® Performance Business

$975

Capital One Venture X Rewards

$975

United Club

$975

Southwest Rapid Rewards® Priority Credit Card

$975

Southwest Rapid Rewards® Premier Credit Card

$975

Southwest Rapid Rewards® Plus Credit Card

$975

Capital One Venture Rewards

$980

IHG® Rewards Club Premier

$1000

Delta SkyMiles® Gold Business American Express

$1000

Delta SkyMiles Reserve® American Express

$1020

American Express Gold

$1040

United Quest

$1080

Chase Sapphire Reserve

$1080

Chase Sapphire Preferred

$1120

Citi Premier

$1190

American Express® Business Gold

$1300

United Club℠ Infinite Card

$1700

American Express Platinum
$1700

Annual Fee = $0

$0

$0

Capital One Quicksilver Student

$0

Capital One SavorOne Student

$0

Upgrade Bitcoin Rewards

$0

U.S. Bank Business Triple Cash Rewards World Elite Mastercard(R)

$0

Chase Slate Edge

$0

Capital One Spark Cash Select for Business

$0

Wells Fargo Active Cash Card

$0

U.S. Bank Business Cash Rewards World Elite MasterCard

$0

Costco Anywhere Visa® Business

$0

Citi Rewards+
 $0

$39

Capital One QuicksilverOne

$49

Starbucks Rewards Visa

$49

US Bank Flex Perks Travel

$49

Disney Premier Visa

$69

Southwest Rapid Rewards® Plus Credit Card

$75

Wyndham Rewards Earner Plus

$75

Bank of America Alaska Air

$75

Wyndham Rewards

$85

U.S. Bank FlexPerks Gold

$89

IHG® Rewards Club Premier

$95

Capital One Spark Cash for Business

$95

Iberia Visa Signature®

$95

U.S. Bank Altitude Connect

$95

Wyndham Rewards Earner Business

$95

Capital One Spark Miles

$95

Citi Premier

$95

Bank of America Premium Rewards

$95

Blue Cash Preferred® Card from American Express

$95

American Express Hilton Honors Surpass

$95

British Airways Visa Signature®

$95

Marriott Bonvoy Boundless

$99

CitiBusiness/ AAdvantage Platinum Select

$99

Southwest Rapid Rewards® Premier Business Credit Card

$99

Delta SkyMiles® Gold Business American Express

$99

Emirates Skywards Rewards World Elite Mastercard

$99

AAdvantage Aviator Red

$99

Southwest Rapid Rewards® Premier Credit Card

$99

Hawaiian Airlines World Elite Mastercard

$99

Citi / AAdvantage Platinum Select World Elite Mastercard

$99

Delta SkyMiles Gold® American Express

$125

Marriott Bonvoy Business™ American Express®

$149

Southwest Rapid Rewards® Priority Credit Card

$150

Capital One Spark Cash Plus

$150

American Express Green Card

$195

Luxury Card Mastercard Titanium

$199

Southwest Rapid Rewards® Performance Business

$250

Delta SkyMiles® Platinum Business American Express

$250

United Quest

$250

The Plum Card® from American Express

$250

Delta SkyMiles® Platinum American Express

$250

American Express Gold

$295

American Express® Business Gold

$395

Capital One Venture X Rewards

$400

U.S. Bank Altitude Reserve

$450

United Club

$450

Citi AAvantage Executive World Elite

$450

American Express Hilton Honors Aspire

$450

Marriott Bonvoy Brilliant™ American Express®

$495

Luxury Card Mastercard Black

$495

Citi Prestige

$499

Emirates Skywards Premium World Elite Mastercard

$525

United Club℠ Infinite Card

$550

Delta SkyMiles® Reserve Business American Express

$550

Chase Sapphire Reserve

$550

Delta SkyMiles Reserve® American Express

$695

American Express Platinum

$995

Luxury Card Mastercard Gold
$995
Welcome Bonus

OK

Bonus Rating

Points
GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2x Groceries (first $6,000 in purchases each year)

Excellent

excellent

Excellent

In the top 15% of cards.

2x Gas (first $6,000 in purchases each year)

Very Good

very good

1x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Try the Analyzer nowGo

Program Name
Citi Thank You Points
Gigapoints Value
1.4¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0

Excellent

excellent

Excellent

In the top 15% of cards.

Are Annual Fees Worth It?
The GigaPoints Guide to Credit Card Annual Fees Article
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

Round Up to the Nearest 10 Points

Round Up to the nearest 10 points on every purchase — with no cap. So your $2 coffee earns 10 points. And a $22 dinner for two earns 30 points.

10% Points Back

Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year. That means if you redeem 15,000 points, you get 1,500 back. It’s that simple.

The Fine Print

INTRO APR FOR PURCHASES 0% for 15 months
INTRO APR FOR BALANCE TRANSFERS 0% for 15 months
PURCHASES APR 14.24% – 24.24%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.99% (Variable)
CASH ADVANCE FEE Either $10 or 5% of the amount of each cash advance, whichever is greater.
LATE PAYMENTS Up to $40