The Citi Rewards+® Credit Card is a popular rewards credit card designed to help cardholders earn ThankYou® Points on their everyday purchases.
Whether you’re shopping for groceries, gas, or making everyday purchases, this card offers a straightforward rewards program with added benefits that make it ideal for rewarding your everyday spending.
One of the standout features of the Citi Rewards+® Credit Card is its ability to round up points on every purchase, so every transaction earns more rewards.
For example, on grocery store purchases, you earn 2 points per dollar on the first $6,000 per year, and then 1 point per dollar after that.
About Citi
Citigroup, or Citi, is one of the largest and most prominent financial services corporations in the world.
With a global presence and a wide range of products, Citi has been providing individuals, businesses, and institutions with innovative solutions for over 200 years.
Citi is well-known for its credit card products, investment services, and digital banking solutions, making it a go-to provider for millions of customers worldwide.
The Citi Rewards+® Credit Card is part of the ThankYou® Rewards program, which offers cardholders the ability to earn rewards for every dollar spent and redeem them for a wide variety of options, including travel, merchandise, gift cards, and more.
Citi’s commitment to customer service and offering competitive products has made them a trusted name in the financial services industry.
Who is this card for?
The Citi Rewards+® Credit Card is ideal for:
- Consumers who want to maximize everyday spending: If you frequently shop for groceries, gas, and make small everyday purchases, this card is perfect for earning rewards on those types of expenses.
- People who prefer a simple rewards structure: With the card offering 1 point per dollar on most purchases and the unique feature of rounding up points, it’s a great choice for those who prefer straightforward, no-hassle rewards.
- Shoppers who use credit cards for groceries and gas: The 2 points per dollar on grocery store purchases makes this card perfect for people who want to earn higher rewards on their everyday essentials.
- Anyone looking for a no-annual-fee rewards card: The Citi Rewards+® Credit Card doesn’t have an annual fee, making it a great choice for those who want to earn rewards without paying an annual fee for the privilege.
Card Advantages
The Citi Rewards+® Credit Card provides a variety of benefits:
- 2 Points per Dollar on Grocery Store Purchases: This card earns 2 points per dollar on the first $6,000 spent on grocery store purchases each year. After you hit this limit, it still earns 1 point per dollar on grocery purchases.
- 1 Point per Dollar on All Other Purchases: On all other purchases, including dining, travel, and entertainment, you earn 1 point per dollar on every purchase, making it a great option for general spending.
- 25% Bonus on Points Redemptions: When you redeem your ThankYou® Points for gift cards, you’ll receive 25% more value on your rewards, helping you get more for your points.
- No Annual Fee: One of the best features of the Citi Rewards+® Credit Card is that it doesn’t charge an annual fee, making it an affordable rewards card to carry for those who don’t want to pay an upfront fee.
- Unique Points Rounding Feature: Every purchase made with the Citi Rewards+® Credit Card rounds up to the nearest 10 points, ensuring you get more points for every transaction, even small ones.
- Introductory Offer: New cardholders can earn a bonus of 20,000 ThankYou® Points after spending $1,500 in the first 3 months of account opening. This is worth about $200 in gift cards or statement credits.
- No Foreign Transaction Fees: For those who travel internationally, the Citi Rewards+® Credit Card does not charge any foreign transaction fees, making it a good option for global travelers.
Additional Benefits
In addition to its main advantages, the Citi Rewards+® Credit Card offers a number of additional features:
- No Interest on Purchases for 15 Months: New cardholders can enjoy 0% APR on purchases for the first 15 months, giving them time to pay off large purchases without incurring interest charges during the introductory period.
- Purchase Protection: The card provides purchase protection for eligible purchases, offering added peace of mind in case of damage or theft.
- Fraud Protection: The card is equipped with fraud protection to monitor and prevent unauthorized transactions on your account.
- Access to Citi® Concierge: Citi cardholders can enjoy personalized service with access to Citi Concierge, which can help with travel arrangements, reservations, and other special requests.
Fees and charges
Late Payment: Up to $41;
Returned payment: Up to $41;
● Introductory APR: 0% for 15 billing cycles;
● Standard APR: 17.74% - 27.74%;
● Balance Transfer Fee: intro fee of 3% of each transfer ($5 minimum);
● Cash Advance: either $10 or 5% of the amount of each cash advance.
Expert review
The Citi Rewards+® Credit Card is a unique rewards card that automatically rounds up every purchase to the nearest 10 points, maximizing small transactions.
It earns 2x points at supermarkets and gas stations (on up to $6,000 annually) and 1x points on all other purchases.
With no annual fee, it’s a great option for everyday spending.
However, the rewards structure may not be ideal for big spenders, and the redemption options for ThankYou® Points can be somewhat restrictive.
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+Positive points
- Round-up feature: Every purchase rounds up to the nearest 10 points, maximizing small transactions.
- 2x points on essentials: Earn 2x points at supermarkets and gas stations (on up to $6,000 annually).
- No annual fee: Enjoy rewards with a $0 annual fee, making it cost-effective.
- 10% points rebate: Get 10% back on the first 100,000 ThankYou® Points redeemed annually.
- Intro APR offer: 0% intro APR on purchases and balance transfers for the first 15 months.
- Negative points
- Limited bonus categories: The 2x rewards are only on supermarkets and gas stations, with a spending cap.
- Restrictive redemption: ThankYou® Points may have limited value compared to other flexible rewards programs.
- Foreign transaction fees: Charges 3% on international purchases, making it less ideal for travel.