Citi Rewards+ Card Review: Great for Earning Points on Small Purchases

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Good for Earning Rewards on Everyday Purchases Citi Rewards+® Card
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Citi Rewards+® Card
Editor’s Score: (3.7/5)
Learn more externa link icon At our partner’s secure site.
Good for Earning Rewards on Everyday Purchases Citi Rewards+® Card
Editor’s Score: (3.7/5)
  • Intro offer:
    20,000 points
  • Annual fee:
    $0
  • Regular APR:
    14.24% – 24.24% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Earn 1X ThankYou® Points on All Other Purchases.

NextAdvisor’s Take

Pros
  • Round up feature helps you earn more points over time
  • Long 0% intro APR
  • No annual fee
  • Ongoing 10% points boost on your first 100,000 redeemed each year
Cons
  • Spending cap for bonus categories
  • Other no annual fee cards may offer higher rewards earn in similar categories
  • Minimal cardholder benefits
The Bottom Line
The Citi Rewards+ Card* offers a modest 2x points on up to $6,000 spent at supermarkets and gas stations each year (then 1x points) and 1x points on other purchases. But its most valuable benefit is the automatic round-up on each purchase. Rewards round to the nearest 10 points regardless of how much you spend. This means a $3 coffee will net you 10 points, and a $23 dinner with friends would yield 30 points.

Additional Card Details

  • Automatically round up to the nearest 10 points on every purchase
  • 10% points back bonus on up to the first 100,000 points you redeem each year
  • 0% APR on balance transfers for 15 months from date of transfer and purchases from date of account opening (variable 14.24% – 24.24% APR thereafter)
  • Citi Entertainment access

Citi Rewards+ Full Review

Card Type

The Citi Rewards+ Card is a rewards credit card. You’ll earn points on everyday spending that you can redeem for flexible rewards. 

Annual Fee

This card charges no annual fee.

Welcome Offer

You’ll get 20,000 bonus points when you spend $1,500 within three months of account opening.

Rewards

Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter. Plus earn 1X points on all other purchases. For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter. The points you earn on each purchase will be rounded up to the nearest increment of 10 — a $5 purchase in a non-bonus category will earn 10 points, for example, and a $74 non-bonus purchase will earn 80 points.

When you’re ready to redeem, you can choose between a few flexible redemption options, including statement credits to cover purchases, shop with points with select retailers, travel, and gift cards. Plus for up to the first 100,000 points you redeem each year, you’ll get 10% back. So if you redeem your 20,000-point welcome bonus, for example, you’d get 2,000 of those points back to your account.

Fees 

The Citi Rewards+ card charges no annual fee, and there’s a 0% APR on purchases and balance transfers for 15 months (variable 14.24% – 24.24% APR thereafter). If you choose to transfer a balance to pay down debt, you must do so within the first four months. During that period, the balance transfer fee will be 3% ($5 minimum); after that, you’ll pay 5% ($5 minimum).

There’s a 3% foreign transaction fee. If you pay late or your payment is returned, you may take on a fee up to $40 and penalty APR up to 29.99%.

How to Use the Citi Rewards+ Card

Spend to Earn the Intro Bonus

To make the most of the Citi Rewards+ Card, you should use it for at least $1,500 in purchases within the first three months to score the 20,000-point intro offer. 

Everyday Spending

From there, this card makes a great everyday spending tool. If you have other cards that earn in categories like dining or travel, use this card for any purchases that fall outside higher-earning categories, especially those smaller purchases that will net more rewards through the round-up feature. And use it for all your supermarket and gas station spending at least until you reach the $6,000 annual cap for 2x points. 

Large Purchases and debt payoff

If you have a large upcoming purchase or existing high interest debts, you may take advantage of the Citi Rewards+ Card 0% interest offer for the first 15 months. Just remember to pay down your entire balance before 15 months are up, or else you’ll be stuck paying off your purchases at the high variable APR.

Redeeming Points

When you’re ready to redeem, you’ll have a few different options through Citi’s ThankYou Rewards program. You can redeem rewards for future travel bookings through the ThankYou Travel Center, statement credits to your account, shopping with points online, gift cards, or merchandise. You can also use Citi ThankYou points for charitable contributions, or for payments to student loans or a mortgage. And however you choose to redeem, you can also enjoy 10% points back on the first 100,000 points you redeem every year.

Citi Rewards+ Card Compared to Other Cards

Learn More externa link icon
Citi Rewards+® Card

Citi Rewards+® Card

Editor’s Score: (3.7/5)
  • Intro offer:
    20,000 points
  • Annual fee:
    $0
  • Regular APR:
    14.24% – 24.24% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site
Learn More externa link icon
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Editor’s Score: (4.1/5)
Learn More externa link icon
Chase Freedom Unlimited®

Chase Freedom Unlimited®

Editor’s Score: (4.7/5)
  • Intro offer:
    Earn an Additional 1.5% Cash Back
  • Annual fee:
    $0
  • Regular APR:
    15.24% to 23.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site

Is the Citi Rewards+ Card Right for You?

Citi Rewards+ Card is best suited for someone who makes frequent small purchases, thanks to its round-up feature. 

This card’s 2x points on up to $6,000 spent at supermarkets and gas stations can make for a lucrative annual points bonus, but it’s not the highest rewards you’ll find in these categories, even among other no annual fee credit cards. 

Instead, the round-up feature is what can set this card apart. If you make one supermarket haul each month and fill up your gas tank about the same amount, you may benefit more from a card with higher rewards in these categories, such as the Blue Cash Everyday® Card from American Express or Bank of America® Customized Cash Rewards credit card*.  

But if you stop for groceries frequently on the way home from work or visit the gas station multiple times per week thanks to a long commute, rounding up to the nearest 10 points on each of those smaller purchases, in addition to everything else you buy throughout the day, can quickly add up. After all, even a $.99 pack of gum can bring in a net 10 points.

Before applying for this card, consider the face value of rewards and also think about how this card’s unique features align with your typical spending habits.

Pro Tip

The round-up feature means you’ll get more benefit from frequent spending with this card, but it’s important to continue practicing good credit habits and never spend more than you can afford to pay off when your statement balance is due.

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

*All information about the Bank of America Customized Cash Rewards credit card has been collected independently by NextAdvisor and has not been reviewed by the issuer.

For rates and fees of Blue Cash Everyday® Card from American Express , please click here

Frequently Asked Questions

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

For best chances of approval, you should have a good to excellent credit score (670 or higher) before applying for the Citi Rewards+ Card.

Is the Citi Rewards+ Card a Visa or a Mastercard?

The Citi Rewards+ Card is a Mastercard.

How much are 20,000 Citibank points worth?

Redemption values for ThankYou Rewards options can vary. However, 20,000 points earned with the Citi Rewards+ Card can be worth $200 in gift cards or statement credits.