Is the Citi Rewards+ Card subject to Chase's 5/24 rule?

No, the Citi Rewards+ Card is issued by Citi, not Chase. Therefore, it is not subject to Chase's 5/24 rule. However, Citi has its own application rules, such as generally limiting approvals to 1 card every 8 days and 2 cards every 65 days.

What credit score do I need for the Citi Rewards+ Card?

While Citi does not publish a specific minimum credit score, applicants generally need a good to excellent credit score (typically 670+) to be approved for the Citi Rewards+ Card and other rewards credit cards.

What are the general Citi application rules?

Citi generally limits new card approvals to approximately 1 card every 8 days and 2 cards every 65 days. Additionally, some Citi card families have a 48-month rule, preventing you from earning a bonus if you've opened or closed a card in that family within the last 48 months.

Does the Citi Rewards+ Card have an annual fee?

No, the Citi Rewards+ Card has a $0 annual fee, making it a cost-effective option for earning ThankYou Points.

What are ThankYou Points (TYP)?

ThankYou Points (TYP) are Citi's proprietary reward currency. They can be redeemed for various options, including gift cards, travel, statement credits, or transferred to airline and hotel partners, often providing greater value.

Citi Rewards+ Card: Earn 25,000 TYP Bonus (June 2026)

Q: Can I get the Citi Rewards+ bonus twice?

No, you are not eligible for the welcome bonus if you have received a new account bonus for a Citi Rewards+ account in the past 48 months. This is a strict card-specific rule.

The Citi Rewards+ Card currently offers a welcome bonus of 25,000 ThankYou Points, estimated to be worth $250, after meeting a modest minimum spend requirement. This card is a strong contender for those looking to enter the ThankYou Rewards program without an annual fee. Eligibility for the bonus requires that you have not received a new account bonus for a Citi Rewards+ account in the past 48 months. Additionally, general Citi application rules apply, limiting how frequently you can open new Citi cards. With its no annual fee and valuable bonus, the Citi Rewards+ can be a worthwhile addition to your churning strategy, especially if you meet the eligibility criteria and are looking for a straightforward points earner.

The Citi Rewards+ Card is a popular choice for those seeking a no-annual-fee entry into the Citi ThankYou Points (TYP) ecosystem. Its current welcome offer provides a solid boost to your points balance, making it an attractive option for new applicants.

Current Welcome Bonus & Value

As of June 2026, the Citi Rewards+ Card offers a welcome bonus of 25,000 ThankYou Points. These points are estimated to be worth $250 when redeemed, providing a valuable return for new cardholders.

Minimum Spend to Earn It

To earn the 25,000 ThankYou Points welcome bonus, you must spend $1,500 on eligible purchases within the specified timeframe after account opening.

Who's Eligible

Eligibility for the Citi Rewards+ Card bonus is subject to specific Citi application rules:

Card-Specific Bonus Rule: You are not eligible for the bonus if you have received a new account bonus for a Citi Rewards+ account in the past 48 months. This is a strict rule tied directly to this specific card.
General Citi Application Rules:
- 1/8 Rule: You can generally only be approved for approximately 1 Citi card every 8 days.
- 2/65 Rule: You can generally only be approved for approximately 2 Citi cards every 65 days.
- Citi 48-Month Family Rule: Bonus eligibility may also be affected if you have opened or closed a card in the same product family within the last 48 months. While the specific Rewards+ 48-month rule is paramount here, be aware of broader family restrictions for other Citi cards.
Credit Score: While no specific credit score floor is provided, a good to excellent credit score (typically 670+) is generally recommended for approval on most rewards credit cards.

Is It Worth It?

Considering its features and current offer, the Citi Rewards+ Card can be a valuable addition for many churners.

Pros:

Valuable Welcome Bonus: A 25,000 TYP bonus, worth an estimated $250, is a solid return for a no-annual-fee card.
No Annual Fee: This makes the card easy to keep long-term without ongoing costs.
Entry to ThankYou Points: Provides access to the Citi ThankYou Rewards program, which offers various redemption options.

Cons:

48-Month Bonus Rule: The strict 48-month rule for this specific card means you can't repeatedly earn the bonus quickly.
Citi Application Restrictions: Citi's 1/8 and 2/65 rules can limit your ability to apply for multiple Citi cards in a short period.

How to Apply

To apply for the Citi Rewards+ Card, visit the official Citi website or a trusted affiliate link. Ensure you review the terms and conditions carefully before submitting your application to confirm you meet all eligibility requirements for the welcome bonus.

Alternatives

If the Citi Rewards+ Card isn't the right fit, or if you're looking to expand your Citi ThankYou Points strategy, consider these related cards:

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Citi Rewards+ — 25,000 points bonus