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Citi Rewards+ Card Review

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What Citi says about this card

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  • The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year

By Jennifer Doss Site Editor  Updated Aug 7, 2019

Citi Rewards+ Card Essentials

(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 introductory bonus of 15,000 ThankYou® points when you make at least $1,000 in qualifying purchases over the first 90 days you have the card. There is also an introductory APR of 0% on all purchases and balance transfers over the first 15 months. After that, the APR is 15.49% - 25.49% (Variable), depending on credit worthiness.

CardRatings Editor's Analysis: Pros & Cons

  • The New 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 Points on all other purchases.
  • Enjoy 0% introductory APR for purchases and balance transfers for 15 months from date of account opening; after that your standard APR for purchases will be 15.49% - 25.49% (Variable) based on your creditworthiness.
  • The points you earn (15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account-opening) are redeemable for $150 only in gift cards at thankyou.com.

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 3% of each balance transfer; $5 minimum. Transfers must be made within the first four months of having the card

Potential Downsides of Citi Rewards+ Card

The introductory offer of 15,000 bonus points isn't eye-popping, though it is easily attainable by making just $1,000 in qualifying purchases over the first 90 days 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.

Top Features

Rewards Bonus Rewards Annual Fee
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com $0

How Citi Rewards+ Card Compares to Other Travel Rewards 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. Terms apply.

Citi Rewards+ Card also offers 15,000 bonus points if you make $1,000 in qualified purchases over the first three months you have the card. Blue Cash Preferred® Card from American Express offers a $200 statement credit for spending the same amount in the same time frame. Terms apply.

Citi Rewards+ Card has a $0 annual fee, while the Blue Cash Preferred® Card from American Express has an annual fee of $95. When it comes to introductory rates, the American Express period is just a bit shorter at 12 months of 0% APR on all purchases and balance transfers (then 14.99%-25.99% Variable). Terms apply. See Rates and Fees.

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 and entertainment, 2% at grocery stores 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 all purchases and balance transfers, before moving to a rate of 15.49% - 25.49% (Variable). Capital One® SavorOne® Cash Rewards Credit Card also has a 0% introductory APR offer of 15 months before moving to its regular rates of 16.24% - 26.24% (Variable).

When it comes to introductory bonus offers, Citi Rewards+ Card offers 15,000 bonus points if you make $1,000 in qualified purchases over the first three months you have the card. Capital One® SavorOne® Cash Rewards Credit Card offers a $150 cash bonus after you spend $500 on purchases within the first three months.

Citi Rewards+ Card vs. Chase Freedom Unlimited®

The cash back program from Chase Freedom Unlimited® is even simpler than that of the Capital One® SavorOne® Cash Rewards Credit Card.

During the first year you have the card, you can earn 3% cash back on all qualifying purchases up to a total of $20,000. After the $20,000 mark and after your first year as a cardholder, this rate drops to 1.5% cash back on all purchases.

Citi Rewards+ Card offers two points for each dollar spent at supermarkets and gas stations. The reward 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 all purchases and balance transfers, while Chase Freedom Unlimited® also has a 0% introductory APR offer 15 months before moving to its regular rate of 17.24% - 25.99% Variable APR.

As for an introductory bonus offers, Citi Rewards+ Card offers 15,000 bonus points if you make $1,000 in qualified purchases over the first three months you have the card. Chase Freedom Unlimited® offers a $150 cash bonus if you make just $500 in qualified purchases within three months from account opening.

Who Should get This 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 $1,000 threshold is easy to reach for the 15,000 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.


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

Citi Rewards+ Card compared to other reward points cards

Card Name
Rewards
Bonus Rewards
Regular APR
Ratings/Apply
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
15.49% - 25.49% (Variable)
2 Miles per dollar on every purchase, every day.
50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
17.99% - 25.24% (Variable) 
Wells Fargo Propel American Express® card
Apply online for Wells Fargo Propel American Express® card
Earn 3X points on eating out and ordering in. Earn 3X points on travel including flights, hotels, homestays and car rentals. Earn 3X points on gas stations, rideshares and transit. Earn 3X points on popular streaming services. Earn 1X points on other purchases.
Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
15.99%-27.99% Variable 
The Platinum Card® from American Express
Apply online for The Platinum Card® from American Express
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Earn 60,000 Membership Rewards® after you use your new Card to make $5,000 in purchases in your first 3 months.
N/A 
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Terms and Limitations Apply

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