Citi Rewards+® Card review: Points round up on every purchase made

This card is the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
By Jennifer Doss  CardRatings Editor  | Updated

Citi Rewards+® Card

Citi Rewards+® CardSponsored card
Our Rating:   
Excellent, Good
on Citi's secure website

CardRatings Editor's Analysis: Pros & Cons

  • The Citi Rewards+® Card is the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • You earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • Enjoy 0% introductory APR on balance transfers for 15 months from the date of first transfer and on purchases from the date of account opening; after that your standard APR will be 14.24% - 24.24% (Variable) based on your creditworthiness.
  • The points you earn (20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening) are nice, but it's not a huge bonus.
Terms and Limitations Apply.

CITI REWARDS+® CARD BENEFITS

(Citi is a CardRatings advertiser)

In the crowded and competitive world of rewards credit cards, it helps to offer something unique to set yourself apart. CitiBank has achieved just that with its new Citi Rewards+® Card.

While many of the card's features might already be familiar to some, two are sure to capture the attention of consumers. The first is its Points Round Up feature, as part of its ThankYou® Points rewards program.

In a nutshell, Citi Rewards+® Card gives points in increments of 10. The ThankYou® program awards two points for every dollar spent at supermarkets and gas stations (up to $6,000 in purchases each year) and one point for every dollar spent on all other eligible purchases. However, Citi Rewards+® Card provides an attractive bonus by rounding up points on every purchase to the next highest 10. For example, buy a $3 cup of coffee and get 10 points instead of three. Spend $41 at the supermarket and get 90 points instead of 82.

Citi Rewards+® Card offers another unique feature by giving you a 10% "rebate" on the first 100,000 ThankYou® points you redeem each year. In other words, if you redeem 30,000 points, Citi Rewards+® Card will put 3,000 points back into your ThankYou® account.

Points can be redeemed in a number of ways, including for travel, gift cards and merchandise.

Citi Rewards+® Card has a $0 annual fee. It also offers a decent bonus of 20,000 ThankYou® points when you make at least $1,500 in qualifying purchases over the first three months you have the card. Plus, for a limited time, you can earn five ThankYou Points per $1 spent on up to $6,000 spent on air travel and hotels during your first 12 months (the regular one point per $1 earning applies after that). There is also an introductory APR of 0% on balance transfers for 15 months from the date of first transfer and on purchases from the date of account opening. After that, the APR is 14.24% - 24.24% (Variable), depending on credit worthiness.

Top Features

 Rewards
For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
 Bonus Rewards
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
 Annual Fee
$0

WHAT OUR EDITORS LIKE MOST ABOUT CITI REWARDS+® CARD

Being fans of racking up rewards points quickly, we love that Citi Rewards+® Card has come up with two creative ways to help cardholders boost their points without breaking a sweat.

The "Round Up" program, which Citi Rewards+® Card tags as an exclusive benefit, means bonus points every time you make a purchase with your card. By rounding up to the next $10, the bonus points stack up in a hurry.

The 10% redemption points rebate is also nice gesture on the part of Citi Rewards+® Card and addresses one of the biggest "downers" experienced by points lovers — having to start from scratch every time you redeem your points! By getting 10% of the points you redeem back in your account, you have a head start on your next redemption.

We also like the simplicity of the ThankYou® points program: no rotating categories and just two tiers to be aware of. You get two points for each dollar spent at supermarkets and gas stations (up to $6,000 in purchases each year, then one point) and one point for every dollar on all other qualifying purchases.

The points redemption program, accessed through the ThankYou® Rewards portal, offers multiple options for redemption including travel rewards and gift cards. You can also use your points to shop at amazon.com and Best Buy.

The 0% introductory APR for the first 15 months can easily save you hundreds of dollars if you transfer your balances from high interest cards in your wallet. There is a balance transfer fee to consider: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min)..

CITI REWARDS+® CARD CARDHOLDER SCORES

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results:

Current Scores Past Scores (avg.)
Overall Score 78.3 82.0
Rewards Program Satisfaction 8.0 8.1
Customer Service 7.8 8.3
Website/App Usability 7.9 8.1
Likelihood of Continuing to Use 8.1 8.8
Recommend to a Friend/Colleague 7.4 8.0

HOW CITI REWARDS+® CARD COMPARES TO OTHER CREDIT CARDS

Citi Rewards+® Card vs. Blue Cash Preferred® Card from American Express

When it comes to grocery shopping, do you prefer to earn rewards points or straight cash back? That's the question you have to ask yourself when comparing these two cards. The Citi Rewards+® Card offers two points for each dollar spent at supermarkets through its ThankYou® Rewards program. Blue Cash Preferred® Card from American Express (American Express is a CardRatings advertiser) offers a whopping 6% cash back at U.S. supermarkets. Both cards have an annual cap of $6,000 for their supermarket bonus rewards. After the cap is reached, both cards drop to a one point/percent earning rate.

Citi Rewards+® Card offers 20,000 bonus points if you make $1,500 in qualified purchases over the first three months you have the card as well as the limited time opportunity to earn five points per $1 spent on air travel and hotels for the first $6,000 spent on those purchases during your first 12 months (then, one point per $1 spent). Blue Cash Preferred® Card from American Express offers the opportunity to earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first six months.

Citi Rewards+® Card has a $0 annual fee, while the Blue Cash Preferred® Card from American Express has a $0 introductory annual fee for the first year, then $95. When it comes to introductory rates, the American Express period is just a bit shorter at 12 months of 0% APR on purchases only (then 14.74% - 24.74% Variable).

Citi Rewards+® Card vs. Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card has a simple program structure, offering unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), and 1% on all other purchases. There is no limit on how much cash back you can earn and no time limits on redeeming your cash back.

Citi Rewards+® Card offers two points for each dollar spent at supermarkets (or at gas stations) through its ThankYou® Rewards program. The earning rate drops to one point per dollar after an annual cap of $6,000 is reached.

Neither card has an annual fee. Citi Rewards+® Card has an introductory offer of 15 months of 0% APR on balance transfers for 15 months from the date of first transfer and on purchases from the date of account opening, before moving to a rate of 14.24% - 24.24% (Variable). Capital One SavorOne Cash Rewards Credit Card also has a 0% introductory APR offer of 15 months on purchases and balance transfers before moving to its regular rates of 15.24% - 25.24% (Variable).

When it comes to bonus offers, Citi Rewards+® Card offers 20,000 bonus points if you make $1,500 in qualified purchases over the first three months you have the card as well as, for a limited time, five points per $1 on up to $6,000 spent during your first 12 months on air travel and hotels (then, one point per $1). Capital One SavorOne Cash Rewards Credit Card offers a $200 cash bonus after you spend $500 on purchases within the first three months.

Citi Rewards+® Card vs. Chase Freedom Unlimited®

Chase Freedom Unlimited® cardholders earn 5% on travel purchases with Chase, 3% on dining at restaurants, 3% at drugstores and 1.5% on all other purchases. Citi Rewards+® Card offers two points for each dollar spent at supermarkets and gas stations. The reward drops to one point per $1 after an annual cap of $6,000 is reached.

Neither card has an annual fee. Citi Rewards+® Card has an introductory offer of 15 months of 0% APR on balance transfers for 15 months from the date of first transfer and on purchases from the date of account opening, while Chase Freedom Unlimited® has a 0% introductory APR offer 15 months on purchases and balance transfers before moving to its regular rate of 15.24% - 23.99% Variable APR.

As for a bonus offers, Citi Rewards+® Card offers 20,000 bonus points when you make $1,500 in qualified purchases over the first three months you have the card; plus, for a limited time, five points per $1 spent on air travel and hotels for up to $6,000 spent during your first 12 months (then, one point per $1). Chase Freedom Unlimited® offers an extra 1.5% cash back on every purchase (up to $20,000 spent) during your first year, for a bonus worth up to $300.

POTENTIAL DOWNSIDES OF CITI REWARDS+® CARD

The welcome offer of 20,000 bonus points isn't eye-popping, though it is easily attainable by making just $1,500 in qualifying purchases over the first three months you have the card.

Even with the "Rounding Up" program, the top tier of two points for every dollar spent at supermarkets and gas stations isn't as enticing as programs offered by other rewards cards. You should also be aware that there is a cap of $6,000 per year on the two points you can earn through spending at supermarkets and gas stations. After $6,000, it’s one point earned per dollar spent.

One drawback on points redemption is that there are a limited number of travel partners that will accept the transfer of ThankYou® points on a 1:1 basis compared to other Citi Rewards cards.

IS CITI REWARDS+® CARD A GOOD CARD?

If you are a modest spender, the Citi Rewards+® Card would be an excellent rewards card to add to your wallet. With no annual fee, there is no minimum spending to make the card pay dividends, and plus, the $1,500 threshold is easy to reach for the 20,000 bonus points.

This could be a good card for a person making frequent everyday purchases at grocery stores, convenience stores, gas stations, etc. The more individual purchases you make, the more bonus points you can rack up thanks to the "Rounding Up" program. Every purchase gets rounded up, no matter how small or large, which can really add up over time.


Survey Methodology: CardRatings commissioned Op4G in September and October 2021 to conduct surveys among 1,524 cardholders nationwide. CardRatings website analytics from Jan. 1, 2021-Aug. 31, 2021 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. "Current Scores" reflect scores from the most recent survey; "Past Scores (avg.)" are the scores averaged over each prior year the card has been surveyed. "Past Scores" indicates a card has only been surveyed in one prior year.

To see the rates and fees of the Blue Cash Preferred® Card from American Express, please visit the following link: See Rates and Fees; terms apply.

Citi Rewards+® Card Compared to Other Reward points Cards

Apply online for U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
Apply online for American Express® Gold Card
American Express® Gold Card
Rewards
For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. 
Rewards
4X points on dining, takeout, and restaurant delivery. 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. 1X point on all other eligible purchases. 
Rewards
3% Cash Back on dining and entertainment. 3% Cash Back on popular streaming services. 3% Cash Back at grocery stores. 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats. 
Rewards
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. 
Bonus Rewards
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 
Bonus Rewards
Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more  
Bonus Rewards
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening  
Bonus Rewards
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.  
Regular APR
14.24% - 24.24% (Variable) 
Regular APR
15.74% - 24.74% Variable  
Regular APR
15.24% - 25.24% (Variable)  
Regular APR
See Pay Over Time APR  
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Terms and Limitations Apply
Apply Now
Terms and Limitations Apply

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

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