Citi Rewards+ Card 2024 review: Round up your rewards to the nearest 10 points on every purchase

The Citi Rewards+® Card * The information for the Citi Rewards+® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. boosts the number of ThankYou® points you can earn on purchases by rounding up to the nearest 10 ThankYou points. This round-up feature, however, may not be enough to offset its relatively low earnings rate. At least there’s a solid intro APR period for both purchases and balance transfers.

Citi Rewards+ Card basics

• Annual fee: $0.
• Welcome bonus: 20,000 points after spending $1,500 on purchases in the first three months of account opening. 
• Rewards: 2 ThankYou points per $1 at supermarkets and gas stations for the first $6,000 spent per year and 1 ThankYou point per $1 on all other purchases, plus earn a total of 5 ThankYou points per $1 on hotel, car rentals, and attractions booked on CitiTravel.com through December 31, 2025.
• APR: 0% intro APR on balance transfers for 15 months from the first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% to 28.74%. An intro balance transfer fee of either 3% of each transfer or $5 in the first four months of account opening applies. After that, the fee will be 5% of each transfer (minimum $5).
• Other perks and benefits: Rounds up to nearest 10 points on every purchase; 10% points back on up to the first 100,000 ThankYou points you redeem each year; access to Citi Entertainment.
• Does the issuer offer a preapproval tool? No.
• Recommended credit score: Good to excellent. 

About the Citi Rewards+ Card

The no-annual-fee Citi Rewards+ Card stands out for its round-up feature. For every purchase you make, the card rounds your rewards up to the nearest 10 ThankYou points. As an example, a $28 purchase could earn you 30 ThankYou points. But, while this approach may sound appealing, you can probably earn more points on your purchases with other rewards credit cards. This one offers relatively low earning rates even in its bonus categories.  

The Citi Rewards+ Card earns 2 ThankYou points per $1 at supermarkets and gas stations for the first $6,000 spent per year and 1 ThankYou point per $1 on all other purchases, plus earn a total of 5 ThankYou points per $1 on hotel, car rentals, and attractions booked on CitiTravel.com through December 31, 2025. Earnings will be rounded up to the nearest 10 points on every purchase.

While you have a variety of options for redeeming ThankYou points, beware that with the Citi Rewards+ Card, points are only worth half a cent each when redeemed for cash back — unless you link your rewards account with another eligible Citi card, such as the Citi Double Cash® Card * The information for the Citi Double Cash® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . 

There is a useful intro APR offer: a 0% intro APR on balance transfers for 15 months from the first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% to 28.74%. An intro balance transfer fee of either 3% of each transfer or $5 in the first four months of account opening applies. After that, the fee will be 5% of each transfer (minimum $5).

Pros

• Welcome bonus: If you’re looking to rack up points quickly, you can earn 20,000 points after spending $1,500 on purchases in the first three months of account opening.
• No annual fee: The fee for carrying the Citi Rewards+ Card is $0. 
• Intro APR: Whether you’re looking to finance a big purchase or transfer debt from a non-Citi credit card, the Citi Rewards+ Card’s intro APR offer can help.
• Rounds up to the nearest 10 points: The card rounds up the rewards you earn on every purchase to the nearest 10 points, meaning you’ll earn at least 10 ThankYou points on even the smallest charges. 

Cons

• Foreign transaction fees: The Citi Rewards+ Card isn’t the best credit card for travel abroad, since you’ll pay a fee of 3% on foreign purchases. 
• Few benefits: Looking for cellphone, car rental or extended warranty coverage? You won’t find it with this card. 
• Point values can change based on how you redeem them: The redemption options may be confusing to navigate, and the value of your ThankYou points may change depending on how you redeem them.
• Spending cap: The elevated rewards rate at supermarkets and gas stations is only on up to $6,000 in combined purchases annually. After that, your rewards rate drops.

Rewards

The Citi Rewards+ Card earns 2 ThankYou points per $1 at supermarkets and gas stations for the first $6,000 spent per year and 1 ThankYou point per $1 on all other purchases, plus earn a total of 5 ThankYou points per $1 on hotel, car rentals, and attractions booked on CitiTravel.com through December 31, 2025. Earnings will be rounded up to the nearest 10 points on every purchase. 

The round-up feature could be useful for folks who make a lot of small transactions. Even if you buy a $1 candy bar, you’ll earn 10 points, for instance. Plus, when you redeem ThankYou points with this card, you’ll get 10% of those points back (on up to 100,000 points redeemed per year). 

There’s a welcome bonus: 20,000 points after spending $1,500 on purchases in the first three months of account opening.

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has around $25,087 in annual expenses that can be charged to a credit card. Here’s how such a household’s rewards could break down:

SPENDING CATEGORY	SPENDING AMOUNT	POINTS PER DOLLAR	POINTS EARNED
Groceries and gas	$6,000	2	12,000
All other purchases	$19,087	1	19,087
Total	$25,087		31,087

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Note, these estimates are calculated using the rewards rates the card offers on each spending category, but you’d likely earn slightly more thanks to the round-up feature. Also, this example does not include the temporary rate on hotels and car rentals booked in the Citi Travel portal.

Here’s how you can redeem your ThankYou points: 

• Statement credits on eligible purchases or a check or direct deposit to a bank account.
• Travel, such as flights, hotels, and cruises.
• Shop With Points at Amazon or Best Buy. 
• Gift cards from a variety of retailers and restaurants.

A notable flaw with the Citi Rewards+ Card is that points are worth only half a cent each when redeemed for cash back, if this is your only Citi credit card. However, there’s a workaround where you can link your rewards account with another Citi card that earns ThankYou points, such as the Double Cash or the Citi Custom Cash® Card * The information for the Citi Custom Cash® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . Once you do so, you’ll be able to redeem points for cash back at 1 cent each, regardless of which card you earned the points with.

At a redemption value of 1 cent per point, the 31,087 points we estimate a household could earn per year using the Citi Rewards+ Card are worth $310.87 in cash back.

APR

New Citi Rewards+ cardholders get a 0% intro APR on balance transfers for 15 months from the first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% to 28.74%. An intro balance transfer fee of either 3% of each transfer or $5 in the first four months of account opening applies. After that, the fee will be 5% of each transfer (minimum $5).

How the Citi Rewards+ Card compares to other rewards cards 

Citi Rewards+ Card vs. Capital One SavorOne Cash Rewards Credit Card * The information for the Capital One SavorOne Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Capital One SavorOne Cash Rewards Credit Card * The information for the Capital One SavorOne Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. charges no annual fee and offers a 0% intro APR on purchases and balance transfers for 15 months, then a 19.99% to 29.99% variable APR. There is a 3% fee on each balance transfer in the first 15 months but no fee for amounts transferred at the purchase APR after the first 15 months.

For rewards, the Capital One SavorOne earns an unlimited 3% cash back on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart and Target), 5% cash back on hotels and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases and 1% on all other purchases. And, if you’re a new SavorOne cardholder, you can earn a $200 cash bonus after spending $500 on purchases in the first three months of account opening. 

Finally, it comes with no foreign transaction fees and decent benefits, such as travel accident insurance and extended warranty coverage¹.

Citi Rewards+ Card vs. Chase Freedom Unlimited®

The Chase Freedom Unlimited® is another no-annual-fee rewards card. 

This card offers a robust rewards program, earning 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstore purchases and 1.5% cash back on all other purchases. 

The Freedom Unlimited also comes with a 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days. After that, a fee of either $5 or 5% of each transfer applies.

For new cardholders, earn 1.5% back on everything bought in the first year on up to $20,000 in spending, which is worth up to $300. Plus, the Chase Freedom Unlimited comes with a strong selection of benefits, including secondary car insurance, trip cancellation/interruption insurance, purchase protection and extended warranty protection.

Citi Rewards+ Card vs. Discover it® Miles 

If you’re looking for a $0 annual fee travel rewards card, consider the Discover it® Miles credit card. This card earns an unlimited 1.5 miles per $1 on purchases, and you can redeem miles for cash back or as a statement credit toward a travel purchase. Discover will automatically match all miles earned at the end of the first cardmember year. 

Plus, the Discover it® Miles card also offers a 0% intro APR on purchases and balance transfers for the first 15 months. After that, a variable APR of 18.24% to 28.24% applies. There's a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms).

Should you get the Citi Rewards+ Card?

If you’re already invested in the Citi ThankYou points ecosystem, the Citi Rewards+ Card offers the opportunity to earn additional points. And, the feature where earnings are rounded up to the nearest 10 points is nice for small purchases that might otherwise earn paltry rewards.

At the same time, there are other no-annual-fee cards on the market that offer higher earnings in bonus categories and come with more robust benefits. If you’re looking for the best rewards credit card for your wallet, the Citi Rewards+ Card may not measure up to its competitors. 

Citi Rewards+ Card summary

CITI REWARDS+ CARD DETAILS
Annual fee	$0
Welcome bonus	20,000 points after spending $1,500 on purchases in the first three months of account opening
Rewards	2 ThankYou points per $1 at supermarkets and gas stations for the first $6,000 spent per year and 1 ThankYou point per $1 on all other purchases, plus earn a total of 5 ThankYou points per $1 on hotel, car rentals, and attractions booked on CitiTravel.com through December 31, 2025. Earnings will be rounded up to the nearest 10 points on every purchase
APR	0% intro APR on balance transfers for 15 months from the first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% to 28.74%. An intro balance transfer fee of either 3% of each transfer or $5 in the first four months of account opening applies. After that, the fee will be 5% of each transfer (minimum $5)
Balance transfer fee	5% of each balance transfer; $5 minimum after 4 months of account opening
Foreign transaction fees	3%
Other perks/benefits	Rounds up to nearest 10 points on every purchase; 10% points back on up to the first 100,000 ThankYou points you redeem each year; access to Citi Entertainment

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Frequently asked questions (FAQs)

^{¹For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.}

^{²Blueprint is using a FICO 8 score, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a card.}