MUST HAVE AN ELIGIBLE AMAZON PRIME MEMBERSHIP
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
An obvious powerhouse for those with a lot of spend at Amazon and Whole Foods with 5% cash back if you hold an Amazon Prime membership.
Many spend tens of thousands a month with AWS web services and 5% cash back on that can be huge, especially when you consider that cash back earned on a credit card is considered a rebate on spend and is not taxable as income.
While we are generally partial to cards that earn transferrable bank points, heavy Amazon spenders will do well with the 5% offered here.
Rates and Fees for the Amazon Business Prime American Express Card. Terms Apply.
Earn 20,000 bonus ThankYou® points after you spend $1,500 in purchases with your card within 3 months of account opening.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Citi Rewards+ card comes with no annual fee but offers a unique value proposition among the sea of rewards credit cards on the market. In fact, it’s the only credit card to automatically round up to the nearest 10 points on all purchases made with the card. This can be vastly beneficial for small purchases you make on the card, as you’ll get to supercharge your ThankYou points® earning ability with the Citi Rewards+.
The card’s only bonus categories are gas stations and grocery stores, which will be useful for most households. You’ll earn 2x points on the first $6,000 spent every year in these categories combined, which breaks down to roughly $500 in monthly spend. If you exceed this spending cap, you’ll only earn 1x points per $1 spent.
Redeeming your ThankYou points is easy through your online Citi account, where you’ll get the best redemption value from travel or gift cards at 1 cent per point. While other rewards like “Shop with Points” or redeeming for a statement credit may be enticing, these redemption options present a poor value at just 0.8 cents and 0.5 cents, respectively. (Note: When we value the “minimum” redemption value of this card in our calculator at 1 cent per point, we are assuming you will take the maximum redemption option of gift cards.)
No matter how you redeem your points, you’ll get to earn 10% of all the points you redeem every year — up to the first 100,000 points annually. That’s a nice little boost to your ThankYou points balance.
Not only is the Citi Rewards+ a good choice for everyday purchases, but it also makes for a great supplementary card to any other Citi rewards cards you may have in your wallet since you can pool your points together.
If you already have the Citi Premier, a popular travel rewards card, you’ll earn 3x points on restaurants, supermarkets and gas stations, air travel and hotels, and 1x point on all other purchases. That’s where the Citi Rewards+ comes in: you can use the card for small purchases or non-bonus categories to take advantage of that favorable 10% automatic round-up feature.
Plus, if you also have a Citi Premier, you can cash out all of your Citi ThankYou points for 1 cent each or transfer them to ThankYou airline and hotel transfer partners.
(Please note: Without also holding a Citi Premier or Citi Prestige card, you will not be able to transfer these points to Citi’s ThankYou® airline and hotel transfer partners.)
Finally, you’ll have peace-of-mind with important coverages like purchase protection and extended warranty that can come in handy when your eligible card purchases are damaged or stolen.