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

This is the only credit card that automatically rounds up to the nearest 10 points on every purchase you make. As an added bonus, there is no cap on earnings, so there is no limit to the rewards you can rack up.
author Jennifer Doss

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 (must be made in the first four months) 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.
Terms and Limitations Apply.

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CardName 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 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. Plus, for a limited time you can earn 5 ThankYou® Points per $1 spent on hotels, car rentals and attractions booked through the Citi Travel℠ portal through June 30, 2024. There is also an introductory APR of 0% on balance transfers for 15 months from the date of first transfer (must be made in the first four months) and on purchases from the date of account opening. After that, the APR is RegAPR, depending on credit worthiness (transfers must be made within the first four months: balance transfer fee applies: BalanceTransferFees)

Top Features

 Rewards
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

WHAT OUR EDITORS LIKE MOST ABOUT CardName

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 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 period 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

CardName CARDHOLDER SCORES

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

Current Scores Past Scores
Overall Score 78.7 75.3
Features Satisfaction 7.8 7.5
Customer Service 7.6 7.4
Website/App Usability 7.9 7.8
Likelihood of Continuing to Use 8.5 8.2
Recommend to a Friend/Colleague 7.9 7.3

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

HOW CardName COMPARES TO OTHER CREDIT CARDS

CardName vs. CardName

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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® Points 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 after 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

discontinued

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); unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply); 8% cash back on Capital One Entertainment purchases; and 1% cash back 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® Points 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 (made in the first four months) 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 before moving to its regular rates of RegAPR; balance transfer fee applies.

When it comes to bonus offers, CardName offers 20,000 bonus points after 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

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CardName cardholders earn 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on Chase travel; 3% cash back on drugstore purchases and dining; and unlimited 1.5% cash back 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 (made in the first four months) and on purchases from the date of account opening (then RegAPR), 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 after you make $1,500 in qualified purchases over the first three months you have the card. CardName offers an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

POTENTIAL DOWNSIDES OF CardName

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 CardName A GOOD CARD?

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 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 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 (2023); "Past Scores" reflect scores from the 2022 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

Apply online for American Express® Gold Card
American Express® Gold Card
Rewards
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
3 % Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). 5 % Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 8 % Cash Back on Capital One Entertainment purchases. 1 % Cash Back on all other purchases. 
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
$200 Cash Back after you spend $500 on purchases within 3 months from account opening  
Bonus Rewards
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.  
Regular APR
18.74% - 28.74% (Variable) 
Regular APR
19.99% - 29.99% (Variable)  
Regular APR
See Pay Over Time APR  

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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