Citi Rewards+® Card overview
The Citi Rewards+® Card is a no-annual-fee card that gives 2 factors per greenback at fuel stations and grocery shops, on as much as $6,000 per yr (and 1 level per greenback thereafter), in addition to two comparatively distinctive options. First, it rounds the earnings on all purchases as much as the closest 10 factors. Second, it offers you 10% again on the primary 100,000 factors you redeem yearly. Card score*: ⭐⭐⭐½
* Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Citi Rewards+ Card is exclusive in that earnings on all purchases are rounded as much as the closest 10 factors. But there are additionally different points to the cardboard that may be helpful to pick cardholders — and it additionally simply added a brand new piece to its welcome bonus.
The Citi Rewards+ Card is nice should you make many small purchases as a result of every buy will likely be rounded to the closest 10 factors. Even a 50-cent pack of gum will earn 10 factors.
Most cardholders will get essentially the most worth from their factors by redeeming them for present playing cards at a charge of 1 cent per level. But your rewards can develop into much more invaluable should you even have the Citi Prestige® Card (not obtainable to new candidates) or Citi Premier® Card.
You can mix the ThankYou Rewards factors earned in your Citi Rewards+ account with these from the Citi Premier or Citi Prestige after which switch them to the ThankYou Rewards program’s 16 airline and two resort companions.
The info for the Citi Prestige has been collected independently by The Points Guy. The card particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
This card has no annual charge.
Let’s take a more in-depth take a look at this card so you may resolve whether or not it may very well be a invaluable addition to your pockets.
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Citi Rewards+ welcome supply
The Citi Rewards+ Card is providing a 20,000-point bonus after spending $1,500 within the first three months of account opening.
However, the sign-up bonus isn’t obtainable should you’ve obtained a brand new cardmember bonus for any of the next playing cards — or should you’ve closed any of those accounts — up to now 24 months:
You can redeem these 20,000 factors for $200 in present playing cards. But should you even have the Citi Prestige or the Citi Premier, you may transfer factors out of your Rewards+ account to your Prestige or Premier account. Doing so means that you can switch your factors to airline companions, by which case the bonus is price $360, based mostly on TPG’s valuations.
Related: Not touring for now? How to maximise your reward factors on different redemptions
Earning factors with the Citi Rewards+
The Citi Rewards+ Card typically earns 2 ThankYou factors per greenback spent at supermarkets and fuel stations on the primary $6,000 per yr and 1 level per greenback thereafter. You’ll additionally earn 1 ThankYou level per greenback spent on all different eligible purchases.
Also, to coincide with the launch of Citi Travel with Booking.com, Citi Rewards+ cardholders can earn as much as 5 factors per greenback on bookings within the portal by way of June 30, 2024.
Merchants should classify themselves as a grocery store or fuel station so that you can earn 2 factors per greenback. So, on-line supermarkets, warehouse golf equipment, wholesale golf equipment, superstores, low cost shops, department shops and comfort shops could not present this incomes charge. The card’s phrases and circumstances additionally explicitly exclude “fuel purchased for commercial purposes or used for non-automobile purposes” from incomes bonus factors, in addition to the next kinds of retailers:
“General merchandise/discount superstores, freezer/meat locker provisioners, dairy product stores, miscellaneous food/convenience stores, markets, drugstores, warehouse clubs, wholesale clubs, specialty vendors, bakeries, candy stores, nut stores, confectionery stores, and meal kit delivery services.”
However, past these normal accrual charges, one of many Citi Rewards+ Card‘s selling points is that all earning is rounded to the nearest 10 points. For instance, you could purchase a $3 coffee at a restaurant and earn 10 points. If you use your card at a supermarket and make $42 in purchases, your earning would be 84 points (since it’s a 2-point-per-dollar class), then rounded as much as the closest 10, which is 90 factors complete.
Obviously, this rounding may very well be exploited. As a outcome, the cardboard’s phrases and circumstances explicitly prohibit “fraud, misuse, abuse, or suspicious activity” that features “Using your Card Accounts or Citibank Checking Account in an abusive manner for the primary purpose of acquiring Points.”
That stated, the Citi Rewards+ Card is completely designed for all your bills that occur to be small. Indeed, all grocery store and fuel station purchases of $5 and beneath and all different purchases of $10 and beneath will earn 10 factors. To maximize your incomes whereas spending usually, take into account your threshold for utilizing the Citi Rewards+ Card in every spending class. This will likely be based mostly on the opposite bank cards you have got.
For instance, let’s see how your incomes would stack up for some pattern purchases you probably have the Citi Premier and the Citi Rewards+ (be aware that that is based mostly on normal incomes charges and doesn’t consider limited-time bonuses).
| Purchase | Using the Citi Premier | Using the Citi Rewards+ |
|---|---|---|
| $2 espresso at a fuel station. | 6 factors (3 factors per greenback). | 10 factors (2 factors per greenback, rounded up). |
| $16 of fuel at a fuel station. | 48 factors (3 factors per greenback). | 40 factors (2 factors per greenback, rounded up). |
| $2 espresso at a restaurant. | 6 factors (3 factors per greenback). | 10 factors (1 level per greenback, rounded up). |
| $6 burrito at a restaurant. | 18 factors (3 factors per greenback). | 10 factors (1 level per greenback, rounded up). |
| 50-cent pack of gum at a grocery retailer. | 1.5 factors (3 factors per greenback). | 10 factors (2 factors per greenback, rounded up). |
| $16 grocery retailer buy. | 48 factors (3 factors per greenback). | 40 factors (2 factors per greenback, rounded up). |
| 50-cent public transit ticket. | 0.5 factors (3 factors per greenback). | 10 factors (1 level per greenback, rounded up). |
| $4 public transit ticket. | 4 factors (1 level per greenback). | 10 factors (1 level per greenback, rounded up). |
So, should you solely have the Citi Premier and the Citi Rewards+, you’ll all the time need to use the Premier for grocery and most restaurant purchases. For all different classes, you’ll need to use the Rewards+ for small purchases and the Premier for bigger purchases — you simply want to seek out the break-even level for every spending class.
Related: The finest cash-back bank cards for every bonus class
Redeeming factors with the Citi Rewards+
The factors earned by the Citi Rewards+ Card are thought of “basic” Citi ThankYou factors which you could redeem at Amazon or Best Buy for purchases at lower than 1 cent every. Alternatively, redeeming present playing cards at 1 cent every is a greater choice.
In addition, while you redeem your factors, you’ll obtain 10% factors again for the primary 100,000 factors redeemed per calendar yr. This signifies that should you redeem 10,000 factors in a yr, you’ll obtain 1,000 of these factors again.
But should you even have the Citi Prestige or the Citi Premier, you may transfer factors out of your Citi Rewards+ account to your Prestige or Premier account and switch them to companions akin to Avianca LifeMiles and Etihad Guest. This will increase the worth of the factors you earn with the Citi Rewards+ from 1 cent every to approximately 1.8 cents every.
Related: How to redeem Citi ThankYou Points for max worth
Citi Rewards+ advantages
Being a no-annual-fee card, the Citi Rewards+ Card doesn’t supply many perks. Its principal attraction is the way it accrues factors (which we’ll cowl in a second).
However, the cardboard is about up for contactless fee to be able to faucet and go. You’ll additionally get entry to Citi Concierge and Citi Entertainment, each of which may present helpful help.
You received’t need to use the Citi Rewards+ Card when touring overseas because the card levies a 3% international transaction charge.
Related: The finest no-annual-fee bank cards
Which playing cards compete with the Citi Rewards+?
No different playing cards spherical up your earnings to the closest 10 factors or provide you with a blanket rebate on the factors you redeem, so there’s no direct competitor. But, the Citi Rewards+ Card must be in contrast towards different no-annual-fee bank cards.
- If you need an Amex card: The Amex EveryDay Credit Card from American Express is maybe essentially the most just like the Citi Rewards+ Card as a result of it accrues 2 factors per greenback on the primary $6,000 you spend at U.S. supermarkets every year (then 1 level). Plus, the cardboard rewards making at the very least 20 transactions in a month with a 20% factors bonus, so that you’ll most likely be making a lot of small purchases with both card. For extra info, learn our full evaluate of the Amex EveryDay. The info for the Amex EveryDay card has been collected independently by The Points Guy. The card particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
- If you have got a Chase Sapphire card: The Chase Freedom Unlimited is a strong card that earns 1.5% money again on most purchases should you don’t have a full-fledged Chase Ultimate Rewards card just like the Chase Sapphire Reserve or Chase Sapphire Preferred Card. But you probably have considered one of these Ultimate Rewards playing cards, utilizing the cardboard is like incomes 1.5 Ultimate Rewards factors per greenback spent on most eligible purchases, since you may mix your factors with these out of your different card. It additionally options a number of bonus classes, together with 5% again on journey bought by way of Chase Ultimate Rewards and three% on eating and drugstore purchases, drastically bettering your potential return. For extra info, learn our full evaluate of the Freedom Unlimited.
- If you need simplicity: The Citi Double Cash Card supplies 2% money again on all purchases — 1% while you purchase and 1% as you repay your assertion. Cardholders can even convert money again to ThankYou factors by way of a linked ThankYou account. However, should you can maximize your bonus class spending and the 10-point round-up with the Citi Rewards+, although, it would nonetheless be a greater card to your wants. For extra info, learn our full evaluate of the Citi Double Cash.
For extra choices, take a look at our full checklist of no-annual-fee playing cards.
Read extra: Why it is best to double down with the Citi Premier and Citi Rewards+
Is the Citi Rewards+ price it?
The Citi Rewards+ Card is usually a good selection should you make small purchases steadily or profit from a ten% return on redeemed factors, particularly you probably have a Citi Prestige or Citi Premier that may increase the worth of the ThankYou factors earned by the Rewards+ Card. I wouldn’t suggest it as your sole bank card, although.
Bottom line
While the Citi Rewards+ provides some issues, different playing cards with no annual charge present that uncapped bonus incomes within the supermarket or fuel classes (or each) or higher incomes on on a regular basis spending.
Apply right here for the Citi Rewards+ Card with a 20,000-point sign-up bonus after you spend $1,500 on purchases along with your card throughout the first three months of account opening.
Additional reporting by Ryan Wilcox and Joseph Hostetler.