The Citi Rewards+℠ Card offers big rewards for small, everyday spending — all with no annual fee. It is the only card that rounds up every purchase to the nearest 10 points. With this credit card, you’ll earn 2X points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter. You can even earn when redeeming, as the card gives you 10% points back for the first 100,000 redeemed every year. Lastly, earn 15,000 points after spending $1,000 on purchases within three months of opening the account. Compared to other rewards cards, the Citi Rewards+℠ Card has more opportunities to accrue points on small purchases.
What we like about Citi Rewards+℠ Card
- Earn two ThankYou Points for every $1 spent at supermarkets and gas stations for the first $6,000 spent each year — earn one point for every $1 spent after.
- Earn one point for every $1 spent on all other purchases.
- Points are automatically rounded up to the nearest 10 on every purchase — a $3 purchase earns 10 points instead of three.
- Earn 10% points back for the first 100,000 points redeemed each year.
- Intro offer: Earn 15,000 bonus points after spending $1,000 on purchases within three months of opening an account.
- No annual fee, which means you don’t have to earn a certain amount of rewards each year just to break even.
Things to consider
- Superstores, markets, and wholesale clubs are not considered supermarkets — so you will earn one point for every $1 spent with these merchants.
- Similarly, since most gas stations at warehouse clubs, wholesale clubs, superstores, and convenience stores are not classified as gas stations, you may not receive 2X points at these merchants.
- There is a balance transfer fee of $5 or 3% of the amount of the transfer, depending on which is greater — transfers must be completed in the first four months of account opening.
- There is a foreign transaction fee of 3% for each transaction — after converted into U.S. dollars.
Cash back details
The Citi Rewards+℠ Card provides four big ways to earn major points on small purchases. New cardmembers can receive 15,000 points after spending $1,000 within the first three months. These points are redeemable for a $150 gift card at thankyou.com. Cardholders earn 2X points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter. The Citi Rewards+℠ Card also rounds-up points to the nearest 10 on every purchase. That means a $42 purchase at a qualifying supermarket or gas station will earn 90 points — Citi doubles the points first and then rounds to the nearest 10. All other purchases earn 1 point for every $1 spent. When you’re ready to redeem points, you’ll receive 10% of those points back — until you reach the 100,000 annual cap. As long as your purchases are small and consistent, there is a greater potential to accrue points compared to similar reward cards. However, if you’re a big spender, you won’t get much out of rounding points to the nearest 10. For larger purchases, you’re better off with a cash back credit card or a card with higher point accrual — although it may come with a small annual fee.
Similar to other rewards cards, the Citi Rewards+℠ Card has no annual fee. It offers 0% intro APR for 15 months on purchases and balance transfers from the date of account opening — after which, the variable APR will be 13.49% - 23.49% (Variable) based on creditworthiness. Also comparable to other rewards cards, the balance transfer fee is $5 or 3% of the amount of the transfer, depending on whichever is greater. The foreign transaction fee is 3% of each transaction after it’s converted to U.S. dollars. If you’re a heavy international traveler, avoid this fee by using a card with no foreign transaction fee while traveling.
How does it compare to other rewards cards?
The Citi Rewards+℠ Card is unmatched in terms of points available to accrue. However, when compared to similar cards, you will quickly see a disparity when it comes to the variety of bonus categories. The Wells Fargo Propel American Express® card does not round up points — neither does it offer points back upon redemption — but there is the potential to earn more points across a wider variety of categories. Similarly, the Bank of America® Cash Rewards Credit Card offers more bonus categories. Both are great for those who need a little more flexibility in their spending.
|Card Name||APR||Annual Fee||Intro Bonus||Credit Needed||Key Features|
|Citi Rewards+℠ Card Review||0% for first 15 months, then 13.49% - 23.49% (Variable) on purchases and balance transfers||$0||15,000 bonus points after spending $1,000 in purchases in first three months||Excellent||
|Wells Fargo Propel American Express® card||See Terms||$0||20,000 bonus points after spending $1,000 in purchases in the first three months||Good to Excellent||
|Bank of America® Cash Rewards Credit Card||See Terms||$0||Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 3 months of account opening||Good to Excellent||
The bottom line
The Citi Rewards+℠ Card is best for small, frequent spenders looking to earn big on their everyday purchases. Rounding every purchase to the nearest 10 points — and offering 10% points back (for the first 100,000 redeemed every year) — are just a couple of ways your small purchases can accrue big points with this credit card.
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