Citi Rewards+® Card Review [2022]: Get Your Points Rounded Up & No Annual Fee

Take advantage of points rounding to earn extra rewards points with the Citi Rewards+ Card.
Last updated Dec. 2, 2022 | By Kevin Payne

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It’s easy to find credit cards that reward cardmembers for large purchases and extravagant travel — but it’s not often you find a credit card that is great for small purchases. Enter the Citi Rewards+® Card. It’s the perfect credit card for people who want to earn points when they stop for milk on the way home from work. Learn why in this Citi Rewards+ review. 

Rounds Up Your Points on Every Purchase

Citi Rewards+® Card

Citi Rewards+® Card

Citi Rewards+® Card

Current Offer

Earn 20,000 points after spending $1,500 on purchases in the first 3 months (plus, earn 5X points at restaurants, up to $6,000 in the first 12 months, then 1X points thereafter)

Annual Fee

$0

Rewards Rate

2X points at supermarkets and gas stations on the first $6,000 in purchases per year (and then 1X points thereafter), and 1X points on all other purchases

Benefits and Drawbacks

Benefits

  • Earn 20,000 points after spending $1,500 on purchases in the first 3 months (plus, earn 5X points at restaurants, up to $6,000 in the first 12 months, then 1X points thereafter)
  • Every purchase rounds up to nearest 10 points
  • 10% points back on the first 100,000 points redeemed per year
  • Intro APR on purchases and balance transfers
  • No annual fee

Drawbacks

  • Has foreign transaction fee
Card Details
  • Earn 20,000 points after spending $1,500 on purchases in the first 3 months (plus, earn 5X points at restaurants, up to $6,000 in the first 12 months, then 1X points thereafter)
  • 2X points at supermarkets and gas stations on the first $6,000 in purchases per year (and then 1X points thereafter), and 1X points on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 17.24% to 27.24% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 17.24% to 27.24% (variable)

In this Citi Rewards+ Card review

Who should get the Citi Rewards+ Card?

The Citi Rewards+ Card is perfect for people who use their credit cards to make smaller purchases. With Citi Rewards+, every purchase is rounded up to the nearest 10 points, so a $1 candy bar will earn the same amount of points as a $9.99 purchase.

If you spend money on gas and groceries frequently, you’ll like the Citi Rewards+ Card as well. Cardmembers earn 2X points per dollar spent at supermarkets and gas stations on the first $6,000 in purchases per year (and then 1X points thereafter).

This Citi card is also a good option if you'd like to transfer a balance from another high-interest credit card. It offers a 0% introductory APR on balance transfers for 15 months (then 17.24% to 27.24% (variable) APR). Pay off your balance before that period ends, and you’ll avoid incurring interest.

If you’re looking for a card to use for international travel, the Citi Rewards+ is not the best option. The Rewards+ card has a foreign transaction fee of 3%.

While the Citi Rewards+ Card is great for small purchases, it makes sense to use it strategically and not as an everyday spending card. Other credit cards offer better earning rates for everyday spending outside of groceries and gas.

Card basics

Card type Travel
Credit card issuer Citi
Credit card network Mastercard
Annual fee $0
Intro bonus Earn 20,000 points after spending $1,500 on purchases in the first 3 months (plus, earn 5X points at restaurants, up to $6,000 in the first 12 months, then 1X points thereafter)
Reward rate 2X points at supermarkets and gas stations on the first $6,000 in purchases per year (and then 1X points thereafter), and 1X points on all other purchases
Recommended credit Excellent, Good
Intro APR 0% introductory APR on purchases for 15 months (then 17.24% to 27.24% (variable) APR)

0% introductory APR on balance transfers for 15 months (then 17.24% to 27.24% (variable) APR)
Foreign transaction Fee 3%

Citi Rewards+ Card benefits and perks

  • Generous welcome offer: New cardholders can benefit from Citi’s welcome offer. You’ll earn 20,000 points after spending $1,500 on purchases in the first 3 months (plus, earn 5x points at restaurants, up to $6,000 in the first 12 months, then 1x points thereafter).
  • Round up feature: No matter what you buy or how much you spend, points earned from purchases are rounded up to the nearest 10 points. If you spend $4 on your morning coffee, you’ll earn 10 points. If you spend $10.01 eating out on your lunch break, you’ll earn 20 points.
  • $0 annual fee: The Citi Rewards+ Card offers a $0 annual fee.
  • Introductory APR: New cardholders get a 0% intro APR on purchases for 15 months (then 17.24% to 27.24% (variable)). They also get a 0% introductory APR on balance transfers for 15 months (then 17.24% to 27.24% (variable)). Note that there is a balance transfer fee of $5 or 3%, whichever is greater, within first 4 months from account opening; then $5 or 5%, whichever is greater.
  • 10% points back: Citi Rewards+ users get 10% points back for the first 100,000 ThankYou points redeemed annually. If you redeem 30,000 ThankYou points, you’ll get back 3,000 points at the end of the year.

Drawbacks to the Citi Rewards+ Card

  • Spending limits on rewards: The bonus points on air travel and hotels is only for the first year, and there's a spending cap on the amount of purchases that would be eligible for the bonus. The bonus at supermarkets and gas stations also is limited to the first $6,000 spent each year. 
  • Foreign transaction fee: Many cards have no transaction fee, but this card has a 3% fee. 

Earning & redeeming ThankYou Points

Potential earnings in years one and two

Here's a look at how your ThankYou Points can add up with the Citi Rewards+ Card. To calculate these values, we used a point valuation of one cent.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $795

Year two earnings: $395

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at points earned via spending, the welcome bonus, and the annual fee.

Best ways to earn

Earning ThankYou points with the Citi Rewards+ card is relatively straightforward. Cardmembers can earn 2X points at supermarkets and gas stations on the first $6,000 in purchases per year (and then 1X points thereafter), and 1X points on all other purchases.

Not all grocery stores or gas stations qualify for extra points, though. Wholesale clubs, discount superstores, drugstores, convenience stores, bakeries, meal delivery services, and various other stores will only earn 1X points per dollar spent. The same goes for gas stations owned by retail stores, like grocery stores or wholesale clubs.

Categories Rewards rate
Supermarkets and gas stations on the first $6,000 in purchases per year (and then 1X points thereafter) 2X
All other purchases 1X

Maximizing your redemptions

ThankYou points earned with your Citi Rewards+ credit card are best spent on travel rewards and gift cards. Points are worth 1 cent each toward travel booked through the ThankYou portal. Flights, hotels, cruises, and rental cars can all be booked directly through the portal using points.

Other possible redemption options include:

  • Shopping with points on Amazon.com and BestBuy.com
  • Statement credits (app will alert you when you’ve made an eligible purchase)
  • Pay bills online (must have an enrolled Citibank checking account)
  • Cash rewards, paid by check
  • Payments to mortgage
  • Payments to student loans
  • Give points to charity
  • Share or transfer points

Point values vary depending on the redemption type and are available on the card agreement that comes with new accounts.

Citi Rewards+ Card FAQs

Is the Citi Rewards+ a good card?

Yes, the Citi Rewards+ card is a good card. It doesn’t have the rewards earning potential for everyday purchases that other cards possess. Still, it's an excellent option as a secondary card used for gas station and grocery store purchases.

What is the credit limit for a Citi Rewards+ card?

Credit limits are based on your income and creditworthiness. Cardholders are informed of their credit limit when they receive their new card. This card also has a revolving credit limit, which can be as low as $1,000.

What credit score do you need for a Citi Rewards+ card?

To get approved for Citi Rewards+ card, you need good to excellent credit. A good FICO credit score ranges from 670 to 739. FICO scores between 700 and 749 are considered very good, and an excellent FICO credit score is between 800 and 850.

What are Citi Rewards points worth?

The value of Citi ThankYou points varies depending on the way you redeem them. Points are worth approximately 1 cent each when redeemed for gift cards and travel. The value can be lower for other redemptions, such as statement credits, which start at 2,000 points for a $10 credit on your account.

Other cards to consider

In addition to the Citi Rewards+ Card, another cashback card worth considering is the Citi® Double Cash Card - 18 month BT offer. It has a $0 annual fee, and cardmembers earn up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases. Plus, there's a 0% intro APR on balance transfers for a whopping 18 months (then 17.74% to 27.74% (variable)).

One of the most popular rewards cards on the market is the Chase Sapphire Preferred® Card. While this Chase card has a $95 annual fee, it's more than worth it because new cardmembers can earn 60,000 points after spending $4,000 on purchases in the first 3 months of account opening. Chase Sapphire Preferred cardholders also earn 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases.

Rounds Up Your Points on Every Purchase

Citi Rewards+® Card

Citi Rewards+® Card

Citi Rewards+® Card

Why We Like It

Earn 20,000 points after spending $1,500 on purchases in the first 3 months (plus, earn 5X points at restaurants, up to $6,000 in the first 12 months, then 1X points thereafter)

See how these cards compare:

Citi® Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer
  • Earn up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases
  • 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% (variable) APR
  • No annual fee
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • 10% anniversary point bonus each year
  • $50 annual credit on hotel stays booked through Ultimate Rewards
  • Premium travel protection benefits

Author Details

Kevin Payne Kevin Payne is a freelance writer specializing in student loans, credit cards, personal finance, and travel. He is a regular contributor to Club Thrifty, Millennial Money, and Student Loan Planner. As the budget and family travel expert behind FamilyMoneyAdventure.com, Kevin recently turned his writing side hustle into his full-time career. He lives in Cleveland, Ohio, with his wife and four kids.