The Citi Rewards+ Credit Card is a unique rewards card designed for everyday purchases, offering a distinctive round-up feature that increases the value of each transaction.
Unlike most rewards cards that provide a fixed number of points per dollar spent, this card automatically rounds up purchases to the nearest 10 points, ensuring that even small transactions earn more rewards.
Cardholders earn 2X ThankYou® Points per dollar spent at supermarkets and gas stations (on up to $6,000 annually, then 1X) and 1X ThankYou® Points on all other purchases.
Additionally, Citi Rewards+ provides a 10% points rebate on the first 100,000 points redeemed each year, enhancing the overall value of the rewards.
With no annual fee, this card is an excellent option for budget-conscious consumers who want to earn rewards on everyday expenses.
New cardholders can take advantage of a welcome bonus of 20,000 ThankYou® Points after spending $1,500 in the first three months, which can be redeemed for gift cards, travel, and more.
About the Financial Institution
Citi (Citibank) is one of the largest and most reputable financial institutions in the world, offering a wide range of banking and credit products.
With over 200 years of history, Citi has built a strong reputation for innovative financial solutions, credit card rewards programs, and customer-focused banking services.
Citi’s ThankYou® Rewards program is one of the most versatile and valuable loyalty programs in the credit card industry.
Cardholders can redeem points for travel, gift cards, merchandise, and even transfer points to select airline partners, making it a flexible rewards system.
Additionally, Citi is known for its strong fraud protection, advanced security features, and competitive interest rates, ensuring that customers have a safe and rewarding banking experience.
Who Is This Card For?
The Citi Rewards+ Credit Card is designed for individuals who want to maximize their rewards on everyday purchases, particularly at supermarkets and gas stations. This card is ideal for:
- Casual Shoppers – The unique round-up feature helps those who make small, frequent purchases accumulate extra points effortlessly.
- Grocery and Gas Spenders – If you regularly spend on groceries and fuel, the 2X points per dollar in these categories will enhance your rewards.
- Budget-Conscious Consumers – With no annual fee, this card offers valuable rewards without extra costs.
- First-Time Credit Card Users – The straightforward rewards system and lack of an annual fee make it a great option for those new to credit cards.
- Citi ThankYou® Rewards Enthusiasts – If you already use Citi credit cards, this one can help boost your ThankYou® Points balance with the 10% points rebate.
Card Advantages
- Round-Up Feature – Every purchase rounds up to the nearest 10 points, helping you earn more rewards on small transactions.
- 2X Points on Essential Spending – Earn 2X ThankYou® Points per dollar on supermarkets and gas stations(up to $6,000 per year, then 1X).
- No Annual Fee – Enjoy the benefits of a rewards credit card without paying an annual fee.
- 10% Points Rebate – Get 10% of your redeemed points back (up to 100,000 points per year), maximizing the value of your rewards.
- Flexible Redemption Options – Use ThankYou® Points for gift cards, travel, statement credits, and more.
- Introductory APR Offer – Enjoy 0% APR on purchases and balance transfers for 15 months, followed by a variable APR.
- Contactless Payments – Use Tap-to-Pay technology for faster, more secure transactions.
Additional Benefits
- Fraud Protection – Citi’s advanced security features help protect cardholders from unauthorized transactions.
- Worldwide Acceptance – The card is widely accepted, making it a reliable choice for domestic and international purchases.
- Mobile Wallet Compatibility – Supports Apple Pay, Google Pay, and Samsung Pay for convenient digital payments.
- Retail and Shopping Perks – Citi offers exclusive discounts, extended warranty protection, and purchase protection on eligible items.
Fees and charges
Late Payment: Up to $41;
Returned payment: Up to $41;
● Introductory APR: 0% for 15 billing cycles;
● Standard APR: 17.74% - 27.74%;
● Balance Transfer Fee: intro fee of 3% of each transfer ($5 minimum);
● Cash Advance: either $10 or 5% of the amount of each cash advance.
Expert review
The Citi Rewards+ Credit Card is a unique rewards card that stands out with its round-up feature, which automatically rounds up purchases to the nearest 10 points, maximizing rewards on small transactions.
It offers 2X ThankYou® Points at supermarkets and gas stations (on up to $6,000 annually, then 1X) and 1X points on all other purchases.
With no annual fee, a 10% points rebate on redemptions, and a 0% intro APR for 15 months, it’s an excellent choice for everyday spenders looking for effortless rewards accumulation and flexible redemption options.
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+Positive points
- Round-Up Feature: Every purchase is rounded up to the nearest 10 points, maximizing rewards on small transactions.
- 2X Points on Essentials: Earn 2X ThankYou® Points at supermarkets and gas stations (up to $6,000 annually, then 1X).
- No Annual Fee: Enjoy valuable rewards without having to pay an annual fee.
- 10% Points Rebate: Get 10% of your redeemed points back (up to 100,000 points per year), enhancing overall rewards.
- Introductory 0% APR: Benefit from 0% APR on purchases and balance transfers for 15 months.
- Negative points
- Limited Bonus Categories: While it offers 2X points on groceries and gas, other categories earn only 1X.
- Foreign Transaction Fees: A 3% fee applies to international purchases, making it less ideal for travel abroad.
- Limited Transfer Partners: Citi’s ThankYou® Points program has fewer transfer options compared to competitors.
