All information about the Citi Rewards+® Card has been collected independently by CardCritics™
Citi Rewards+® Card Review
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Written by
Jasmin Baron
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Edited by
Emily Gadd
Note: The Citi Rewards+® Card is no longer accepting applications. Read our guide to the best Citi credit cards for more options.
The Citi Rewards+® Card, an advertising partner, is a no-annual-fee rewards card with elevated rewards at grocery stores and gas stations. It is a great card for small purchases since rewards earned on each purchase will be rounded up to the nearest 10 points.
Purchase and Balance Transfer APR
0% Intro APR for 15 months on Purchases and Balance Transfers then 17.74% – 27.74% (Variable)
Intro Bonus
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
Rewards
1x – 5x 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. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Recommended Credit Score
Excellent/Good
670 – 850*
Annual Fee
$0
CardCritics™ Opinion
This is a great option if you make a lot of small purchases on your card, making the round up feature appealing (it automatically rounds up to the nearest 10 points on every purchase). It offers an elevated rate on popular categories, but those rewards are capped each year. There is a solid welcome bonus, intro APR and no annual fee to also consider.
Our Critical Analysis:
Citi Rewards+® Card
- Generous welcome bonus
- Introductory APR offer on purchases and balance transfers
- No annual fee
- Earn points back for redemptions
PROS
- Spending cap on bonus categories
- Foreign transaction fees
- Limited redemption options
CONS
Welcome Bonus Worth $200
The Rewards+ Card offers the opportunity to earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening. You can redeem those bonus points for $200 in gift cards at thankyou.com.
Ongoing Rewards
There is currently a special offer that will allow you to earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com. This offer will run through December 31, 2025. You will also earn 2X ThankYou Points at supermarkets and gas stations on the first $6,000 in purchases per year (1X Points thereafter). All of your other purchases will earn 1X ThankYou Points.
Generous Intro APR
If you are carrying large balances on other cards, or are looking to make large purchases in the near future, the Rewards+ Card comes with a 0% Intro APR for 15 months on Purchases and Balance Transfers then 17.74% – 27.74% (Variable).
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Redeeming Rewards
Although there are a lot of avenues to redeem rewards on your earned points, there’s no straightforward system. The rewards vary by the number of points. Here are some of the ways you can redeem Citi ThankYou® points:
- Shop With Points: Pay for all or part of your online purchases with points at Amazon.com and BestBuy.com
- Redeem for Gift Cards: Redeem for a wide selection of fashion retailers, entertainment and travel. 2,500 points would be worth a $25 gift card.
- 10% Points Back: Get a 10% points rebate when you redeem, up to the first 100,000 points redeemed per year
What Makes the Rewards+ Card Stand Out?
The Rewards+ Card stands out due to its unique feature of rounding up every purchase to the nearest 10 points, maximizing rewards even on small transactions.
It offers bonus points on supermarkets and gas stations, along with a 10% points back on the first 100,000 points redeemed annually, effectively increasing the value of your rewards. Additionally, the card comes with no annual fee, making it a cost-effective option for earning rewards.
Is it the Right Card For You?
The Rewards+ Card may be the right fit for you if any of the following apply:
- You make a lot of small purchases, benefiting from the rounding up feature that maximizes points earnings
- You are looking for a no-annual-fee rewards card to earn points without incurring additional costs
- You will take advantage of the 10% points back on the first 100,000 points redeemed each year
- You prefer redeeming points through Citi’s ThankYou Rewards program for various options like travel, gift cards, and more
Card Details From Citi®
- 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
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
- 0% Intro APR on balance transfers for 15 months on purchases; after that, the variable APR will be 17.74% – 27.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- 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.
- No Annual Fee
Frequently Asked Questions
These answers to some frequently asked questions will help you decide if the Citi Rewards+® Card is the right card for you.
What credit score is needed for the Citi Rewards+® Card?
The Rewards+ Card requires good to excellent credit. Typically a FICO credit score of 670 or above meets this criteria. However, having a credit score of 670 or above does not guarantee approval since other factors are taken into consideration.
Does the Citi Rewards+® Card charge an annual fee?
No. The Rewards+ Card does not charge an annual fee.
Does the Citi Rewards+® Card offer a welcome bonus?
The Rewards+ Card does offer a welcome bonus in the form of bonus points. 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
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.
