All new Citi Rewards+® Card cardholders get at least $1,000 as their initial credit limit. That amount may be higher according to your annual income and overall creditworthiness. The higher those numbers are, the more likely you’ll get a spending limit to match it. Moreover, you can increase your initial limit by making on-time payments and using your card responsibly.

New cardholders can request a balance transfer by completing the balance transfer part during the application process. It usually takes up to 10 business days to process your request, so it’s crucial to keep all your original payments in check to avoid damage to your score or accrue additional fees. Existing members can request a balance transfer via online banking or calling customer service.

Citi Rewards+® Card points offer more value when you redeem them for statement credits, cash back or travel. By doing so, you’ll get 1 cent per point. Redeeming them to shop at Amazon are worth 0.8 cents per point, and gift cards are worth 0.5 per point. You can redeem all rewards at thankyou.com or using the mobile app.