Key facts
With the Citi Rewards+® card, you don’t necessarily have to spend big in order to earn points on all of your purchases. The Citi Rewards+ card’s standout feature is the unique round up feature, where all of your purchases automatically rounds up to the nearest 10 points per dollar.
Annual Fee:
$0Min. Credit Score for Approval:
670-739 * GoodAPR on Purchases:
0 % Intro APR on purchases for 15 months, 18.24%-28.24% thereafterAPR on Balance Transfers:
0% Intro APR on balance transfers for 15 months, 18.24%-28.24% thereafterBalance transfer fees
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)Foreign Transaction Fee:
3%It also offers good returns on supermarkets and gas stations, and you’ll earn 2x points in the first $6,000 spent annually in these two categories. When it comes time to redeem points, you can even earn 10% of your points redeemed back as a rebate, up to the first 100,000 points per year.
Reward multipliers
The Citi Rewards+ card offers 2x points per dollar spent at supermarkets and gas stations (for a combined $6,000 spent per year; then 1x points per dollar) and 1x points per dollar on all other eligible purchases.
Earns bonus points for spend in the following bonus categories:
ALREADY HAVE THIS CARD?
Pair another card and boost your rewards
In some cases, adding cards from the same points system will increase your rewards by unlocking a higher point value based on the ability to transfer points to air or hotel partners. In other cases, the cards simply work together to earn more points with one bank or diversify your bonus category rewards across banks.
Key features
Unique Card Benefits
Points Round Up Feature
If you buy a $5 bagel, you’ll earn 10 points; and if you spend $22 on Amazon, you’ll earn 30 points. This automatic round-up feature allows you to sweep up bonus points on virtually every eligible purchase, making the Citi Rewards+ a fantastic option for those small, day-to-day items you may pick up along the way.
Get 10% of Your Points Back
You’ll receive 10% back of all the ThankYou® points you redeem (up to the first 100,000 points). For example, if you redeem 50,000 points, you’ll get 5,000 points back into your cash-back rewards balance. This even stacks with redemptions from other Citi cards.
For example, if you have a Citi Premier® card, which can transfer to all of Citi’s airline and hotel partners, and transfer 50,000 points to an airline program, just having the Rewards+ in your account will get you a 5,000 point rebate, up to the 10,000 point per year rebate maximum.
Access to Citi Entertainment
You’ll get first dibs to purchase tickets for concerts, sporting events, and more through the prolific Citi Entertainment program.
0% Intro APR on Purchases
0 % Intro APR on purchases for 15 months, 18.24%-28.24% thereafter
0% Intro APR on Balance Transfers
0% Intro APR on balance transfers for 15 months, 18.24%-28.24% thereafter
Balance Transfer Fees: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
No Fees for Authorized Users
If you’d like to register additional user cards for others, you won’t have to pay any fees for authorized users.
Free Access to Credit Score
With all Citi cards, you’ll get free access to your FICO® score.
Earn more rewards by combining credit cards
Pros & cons
- No annual fee
- Complimentary purchase coverage, including extended warranty and purchase protection on eligible items bought with the card
- Round up feature allows you to earn rewards to the nearest 10 points
- The bonus 2x rewards on supermarkets and gas stations is limited to a $6,000 annual spending cap, which means that you'll only earn 1x points per dollar afterwards and on other purchases
- The value of redemption options ranges from 0.5 to 1 cent per Citi ThankYou® point (although potentially more if you also have a Citi Premier® card), so you'll want to choose your rewards wisely
- There is a 3% foreign transaction fee
Our review
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.
Frequently asked questions
Does the Citi Rewards+ have an annual fee?
No, the Citi Rewards+ does not come with an annual fee.
Is it hard to get the Citi Rewards+?
In order to get approved for the Citi Rewards+ card, you’ll most likely need to have a good to excellent credit score.
Is it worth getting Citi Rewards+?
The Citi Rewards+ card is a decent rewards card that does a nice job offering bonus points, even on small purchases. For example, a $2.10 coffee will still earn 30 points per $1 spent (instead of just 21 points on a typical card).
We personally think the Rewards+ is a great card to have in conjunction with a Citi Premier card, rather than as your primary card.
How do I earn points with the Citi Rewards+?
You’ll earn points in several ways. First, you can earn 2x points per $1 spent at gas and grocery stores (up to the first $6,000 spent); and 1x points per $1 spent on all other eligible purchases. On top of that, all purchases will automatically round up to the nearest 10 points.
Finally, you can also receive 10% of the points you redeem every year (up to the first 100,000 points), giving you several options to beef up your rewards balance on the Citi Rewards+ card.
Is there a better credit card than the Citi Rewards+?
The Citi Double Cash® Card is offered by the same issuer and may be a better fit as it offers 2% cash back on all purchases: 1% when you buy and 1% when you pay your statement balance.
With no spending limit or bonus categories to keep track of, it’s a highly favored rewards card.
Does the Citi Rewards+ charge foreign transaction fees?
Yes, there’s a 3% foreign transaction fee on all purchases made in an international currency.
Does the Citi Rewards+ have car rental CDW coverage?
No, the Citi Rewards+ does not offer car rental collision damage waiver coverage.
Does the Citi Rewards+ offer an extended warranty?
Yes, Citi Rewards+ offer extended warranty on eligible purchases. You’ll receive an additional 24 months added to the manufacturer’s warranty (as long as their warranty is at least 1 year) to protect against the product breaking after the original warranty has ended.
Does the Citi Rewards+ offer purchase protection?
Yes, the Citi Rewards+ offers purchase protection for items purchased with the card against damages or theft during the first 90 days of purchase.
Does the Citi Rewards+ offer trip protections?
No, the Citi Rewards+ does not come with travel insurance coverage.
What credit score do I need to get a Citi Rewards+?
It’s recommended that you carry a FICO® score of 670+ or higher to get the Citi Rewards+.
What can I do with the points earned for spending on the Citi Rewards+?
The points on the Citi Rewards+ offer varying rewards value. You can redeem your Citi ThankYou points for travel and gift cards (1 cent per point), shop with points (0.8 cents per point), or cash back as a statement credit (0.5 cents per point). If you also have a Citi Premier card, however, you can combine points and take advantage of the Citi Premier’s superior redemption options.
Does Citi Rewards+ have Cell Phone Protection?
No, the Citi Rewards+ does not offer cell phone protection. However, if you bought your cell phone was stolen or damaged within 90 days of purchase, the card’s purchase protection policy may cover you.
