Citi Rewards+® Card

Quick Snapshot

• Annual Fee: $0
• APR: 17.49%-27.49% variable
• Rewards: 2X ThankYou points at supermarkets and gas stations (first $6,000/year), 1X on everything else. Points round up to the nearest 10 on every purchase.
• Bonus: 20,000 ThankYou points after spending $1,500 in the first 3 months
• Best For: Everyday spenders who shop at supermarkets and gas stations and want a no-fee entry into the ThankYou points ecosystem
• Credit Needed: Good to Excellent (670+)

Overview

The Citi Rewards+ Card is a unique no-annual-fee card that rounds up points earned on every purchase to the nearest 10. A $3 coffee that would normally earn 3 points instead earns 10 points. A $14 lunch earns 20 points instead of 14. This rounding feature adds incremental value on every small transaction and benefits cardholders who make frequent small purchases.

Beyond rounding, the card earns 2X ThankYou points at supermarkets and gas stations on the first $6,000 in combined spending per year, then 1X on everything. The $6,000 cap covers grocery and gas spending for most households. The 20,000-point welcome bonus after $1,500 in spending within 3 months provides an accessible entry point worth $200 in value.

The Rewards+ works best as part of a Citi ThankYou card strategy. On its own, the 2X rate and rounding are solid for a no-fee card. When paired with the Strata Premier or Strata Elite, the points earned on the Rewards+ become transferable to airline and hotel partners, significantly increasing their potential value. The 10% points back on redemptions (up to 10,000 points per year) further stretches your points when you redeem through Citi.

APR Breakdown

• Purchase APR: 17.49%-27.49% variable
• Balance Transfer APR: 17.49%-27.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: 29.99% variable

Note: 0% intro APR for 15 months on purchases and balance transfers. After that, 17.49%-27.49% variable based on creditworthiness.

Benefits Overview

Points Earning and Rounding

• 2X ThankYou points at supermarkets (first $6,000/year combined with gas)
• 2X ThankYou points at gas stations (first $6,000/year combined with supermarkets)
• 1X ThankYou point on all other purchases
• Points round up to the nearest 10 on every purchase
• Rounding maximizes value on small, frequent transactions

Redemption Bonuses

• 10% points back when you redeem ThankYou points (up to 10,000 points per year)
• Points redeemable for travel, gift cards, statement credits, and more
• Transfer to airline and hotel partners when paired with Strata Premier or Strata Elite
• Points do not expire while the account is active

Introductory Offers

• 20,000 ThankYou points after $1,500 in spending within 3 months
• 0% intro APR for 15 months on purchases and balance transfers
• No annual fee

Rewards & Points

• 2X ThankYou points at supermarkets and gas stations (first $6,000/year)
• 1X ThankYou point on all other purchases (rounded up to nearest 10)

The rounding feature is applied to every individual purchase. A $7 purchase earns 10 points instead of 7. A $22 purchase earns 30 points instead of 22. Over the course of a year, this adds 5-15% more points for cardholders who make many small transactions. The 10% points-back on redemptions (capped at 10,000 points annually) further extends value.

Welcome Bonus

Earn 20,000 ThankYou points after spending $1,500 in purchases within the first 3 months of account opening. At a baseline value of 1 cent per point, this is worth $200. Spend requirement works out to about $500 per month. Points can be worth more if transferred to airline partners via a premium Citi card.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: 3% of each transfer (min $5)
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: 3%
• Late Payment Fee: Up to $41
• Returned Payment Fee: Up to $41

Who This Card Is Best For

Ideal For

• Frequent small-purchase makers who benefit most from the points rounding feature
• Grocery and gas spenders who want 2X on everyday essentials with no fee
• Citi ThankYou ecosystem entrants who want to start earning transferable points at no cost
• New credit card users who want an accessible bonus and simple rewards structure

Not Good For

• Heavy grocery and gas spenders who exceed the $6,000 annual cap on 2X categories
• International travelers due to the 3% foreign transaction fee
• Cash back purists who prefer straightforward cash back over ThankYou points

Key Pros & Cons

Pros

• Points round up to the nearest 10 on every purchase, adding extra value on small transactions
• 2X on supermarkets and gas stations covers key everyday categories
• No annual fee
• 20,000-point welcome bonus after $1,500 in spending is accessible
• 0% intro APR for 15 months on purchases and balance transfers
• 10% points back on redemptions (up to 10,000 per year) stretches rewards further
• Points become transferable to airline and hotel partners with a premium Citi card
• Points do not expire while the account is open
• Good entry point into the Citi ThankYou ecosystem

Cons

• $6,000 annual cap on 2X categories limits value for heavy spenders
• 1X base rate (even with rounding) lags behind 2% flat-rate cards on larger purchases
• 3% foreign transaction fee
• Rounding benefit is marginal on large purchases
• Transfer partner access requires holding a separate premium Citi card
• 20,000-point bonus is modest compared to some competitors
• No travel insurance or premium card benefits
• Points are worth only 1 cent each when redeemed as cash or statement credits

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value: $456 ($200 bonus + $256 rewards). The rounding bonus adds approximately $16-$30 per year depending on purchase frequency. With airline partner transfers, points can be worth 1.5-2.0 cents each.

Should You Get This Card?

You Should Get It If...

• You make many small purchases and want to benefit from points rounding
• You spend regularly at supermarkets and gas stations
• You want a no-annual-fee entry into the Citi ThankYou points ecosystem
• You plan to pair this with a Citi Strata Premier for transfer partner access
• You want a 0% intro APR on purchases and balance transfers
• You prefer earning ThankYou points over simple cash back

You Should Skip It If...

• You rarely make small purchases and would not benefit from rounding
• You prefer a flat 2% cash back card with no caps
• You spend more than $6,000 per year on groceries and gas combined
• You travel internationally and need no foreign transaction fees
• You want the simplicity of cash back without managing a points ecosystem

Apply Now

Apply for Citi Rewards+® Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.