Citi Rewards+® Card review: Points round up on every purchase made
Citi Rewards+® Card
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 RegAPR 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.
(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 CardName.
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, CardName 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, CardName 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.
CardName 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, CardName 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.
CardName has a AnnualFees 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. 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 RegAPR, depending on credit worthiness.
- 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.
- 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.
- 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.49% - 28.49%.
- No Annual Fee
- Points never expire
- Terms and conditions apply.
Being fans of racking up rewards points quickly, we love that CardName has come up with two creative ways to help cardholders boost their points without breaking a sweat.
The "Round Up" program, which CardName 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 CardName 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: BalanceTransferFees.
CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results:
|Current Scores||Past Scores|
|Rewards Program Satisfaction||7.5||8.0|
|Likelihood of Continuing to Use||8.2||8.1|
|Recommend to a Friend/Colleague||7.3||7.4|
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.
CardName vs. CardName
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 CardName offers two points for each dollar spent at supermarkets through its ThankYou® Rewards program. CardName (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.
CardName offers 20,000 bonus points if you make $1,500 in qualified purchases over the first three months you have the card. CardName offers the opportunity to earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.
CardName has a AnnualFees annual fee, while the CardName has a AnnualFees When it comes to introductory rates, the American Express period is just a bit shorter at 12 months of 0% APR on purchases and balance transfers (then RegAPR).
CardName vs. CardName
CardName 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.
CardName 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. CardName 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 RegAPR. CardName also has a 0% introductory APR offer of 15 months on purchases and balance transfers (3% fee on the amounts transferred within the first 15 months) before moving to its regular rates of RegAPR.
When it comes to bonus offers, CardName offers 20,000 bonus points if you make $1,500 in qualified purchases over the first three months you have the card. CardName offers a one-time $200 cash bonus after you spend $500 on purchases within the first three months.
CardName vs. CardName
CardName cardholders earn 5% on travel purchases with Chase, 3% on dining at restaurants, 3% at drugstores and 1.5% on all other purchases. CardName 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. CardName 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 CardName has a 0% introductory APR offer 15 months on purchases and balance transfers before moving to its regular rate of RegAPR APR.
As for a bonus offers, CardName offers 20,000 bonus points when you make $1,500 in qualified purchases over the first three months you have the card. CardName 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.
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.
If you are a modest spender, the CardName 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 2022 to conduct surveys among 1,554 cardholders nationwide. CardRatings website analytics from Jan. 1, 2022-Aug. 31, 2022 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 (2022); "Past Scores" reflect scores from the 2021 survey.
To see the rates and fees of the CardName, please visit the following link: See Rates and Fees.
Citi Rewards+® Card Compared to Other Reward points Cards
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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