If your everyday spending consists of restaurants, supermarkets, and gas stations, then this is the card for you. Modest spenders will appreciate the cards unique “round up” offer, which will make even your smallest purchases more rewarding.
Earn Points On Every Purchase
The Citi Rewards+® Card, an advertising partner, is fit for modest spenders who make a lot of small everyday purchases. With this card’s unique feature, all purchases will round up to the nearest 10 points. That means even a $2 candy bar will earn you 10 points. You can earn 2X ThankYou points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter. Now for a limited time, you can earn 5 ThankYou points per dollar on restaurants up to $6,000 in the first 12 months of account opening and 1 ThankYou point thereafter. All other purchases earn 1X ThankYou points.
20,000 Bonus Point Offer
This no annual fee card also offers the chance to earn bonus points. You can earn 20,000 bonus points if you spend $1,500 in purchases with your card within 3 months of opening the account. You can redeem those points for $200 in gift cards at thankyou.com. You can also pay for all or part of your online purchases with your points at Amazon.com and BestBuy.com®.
Generous Introductory APR
New card members will benefit from a 0% intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that a 17.24% - 27.24% (Variable) will apply. There is an intro balance transfer fee of 3% of each transfer ($5 minimum) completed within the first 4 months of opening the account. After that, your fee will be 5% of each transfer (minimum $5).
Round Up Points On Every Purchase
The major selling point of the Citi Rewards+® Card is that it rounds up points on all purchases, however, to get the most bang for your buck, you have to redeem through ThankYou points. If you are looking for a straightforward cash back card, then it is worth checking out the Wells Fargo Active Cash® Card.
670 – 850*
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.
The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
Other Rewards Card Options
If you are in the market for a flexible rewards card without an annual fee then the Citi Rewards+® Card is a great option. Since it is always good to compare your top options, we have rounded up some other compelling rewards cards that may appeal to you as well.
Unlimited 2% Cash Back
This card from Wells Fargo is an exciting option that also has a $0 annual fee. You will earn an unlimited 2% cash rewards on purchases which means there are no activation requirements for special categories or monthly caps to worry about. Earning 2% rewards on all of your purchases is tough to beat making it a stand out option for anyone looking for a low maintenance cash rewards card that will allow you to accumulate cash rewards really quickly. There is also a sign-up bonus worth $200 in cash rewards that can be earned by spending at least $1,000 in the first three months after you are approved. It also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR will apply.
Excellent Cash Back Option for Poor or Limited Credit
The no annual fee Discover it® Secured Credit Card allows you to earn cash back while you build your credit with responsible use. You will Earn 2% back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. You will also earn an unlimited 1% back on all other purchases. Making it even more enticing, the cash back you earn your first year will be automatically matched. There is no credit check to apply and you establish your credit line by providing a refundable security deposit of at least $200. Discover also starts automatic reviews of your account after seven months to see if you are eligible to transition to an account without a security deposit.
As you can see, it is a great time to be in the market for a new rewards credit card. Issuers are really stepping up their game and offering incredible perks to win your business. Credit card offers like this often don’t stick around forever so we suggest applying for one of these stand-out options today.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.