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Citi Rewards+® Card review

Round your earned points up to the nearest 10 with this card.

finder.com’s rating: 4.1 / 5

★★★★★

  • You want an everyday rewards card with no annual fee.
  • Pick something else if you want a card with bigger rewards on larger spending.
  • Apply with a good to excellent credit score of 670 or higher.
Please note: Citi is an advertising partner of finder.com

Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases

Rewards

$0

Annual fee

0% intro for the first 15 months (then 13.49% to 23.49% variable)

Purchase APR

670

Minimum Credit Score

Details

Annual fee$0
Welcome offerEarn 20,000 points after spending $1,500 in the first 3 months
RewardsEarn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
Purchase APR0% intro for the first 15 months (then 13.49% to 23.49% variable)
Balance transfer APR0% intro for the first 15 months (then 13.49% to 23.49% variable)
Minimum Credit Score670
IssuerMastercard

Review by


Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

At first glance, the Citi Rewards+® Card appears to be a solid, if not somewhat standard, everyday rewards card. You can earn a 20,000 point signup bonus, 2x points at supermarkets and gas stations, 1x points on everything else, and enjoy a 15 months intro APR on purchases and balance transfers — all for a $0 annual fee.

But the Citi Rewards+® Card has a few unique ingredients that set it apart: It rounds point earnings up to the nearest 10 on anything you buy, and it lets you earn 10% back on point redemptions for up to 100,000 points each year. The Citi Rewards+® Card’s rounding feature makes it an especially good choice for anyone who makes a lot of small purchases in their day-to-day life. College students or city-dwellers are good examples — I certainly remember making upwards of seven purchases a day on junk food during undergrad. Bear in mind however you’ll need a good to excellent credit score to qualify for this card.

Because this card also allows you to earn ThankYou points, it’s an interesting pick for new Citi cardholders as well as for those already invested in the ThankYou rewards system.

Best of 2021
Finder experts pick Citi Rewards+® Card as a 2021 best product for credit cards.

How to apply for the Citi Rewards+® Card?

You can easily apply for the Citi Rewards+® Card through the Citi site:

  1. Go to the provider's site and select Apply now.
  2. Fill out your personal information and click Agree submit.

WATCH: Citi Rewards+® Card review: Good for small purchases?

Check out our two-minute video in which we breakdown all of the perks that the Citi Rewards+® Card has to offer, as well as some of the drawbacks to watch out for.

Citi Rewards+® Card benefits

  • Signup bonus. Spend $1,500 on purchases within 3 months of account opening to earn 20,000 ThankYou points. That’s worth up to $200 when redeemed for gift cards on the Citi ThankYou rewards site.
  • Earn ThankYou Reward points. Earn 2x points at supermarkets and gas stations for the first $6,000 in combined purchases annually. After that, and on all other purchases, earn 1x points. You can also transfer these points to one of Citi’s premium rewards cards. By moving points to a Citi Premier® Card or Citi Prestige® Credit Card, you can transfer your points to travel partners, typically at a 1:1 value.
  • Round up your points. Get your points rounded up to the nearest 10. This feature is ideal if you often make smaller purchases.
  • Earn points back upon redemption. Get 10% back on the points you redeem for the first 100,000 points annually. This means redeeming 20,000 points nets you 2,000 points back.
  • No annual fee. You won’t pay an annual fee to own this card.
  • Intro APR period. Get a 0% intro APR on purchases and balance transfers during your first 15 months of card membership. After that, your rate reverts to a variable 13.49% to 23.49%. On balance transfers you’ll pay a balance transfer fee of the greater of either 3% or $5 on transfers made during your first 4 months of account opening, reverting to the greater of 5% or $5 .

Citi Rewards+® Card drawbacks

  • Foreign transaction fees. You’ll pay a fee equal to 3% of the transaction every time you swipe abroad.
  • Penalty APR. If you make a late or returned payment, you may incur a penalty APR of up to 29.99% variable that lasts indefinitely.
  • Balance transfer limitations. Complete your balance transfers within four months of account opening to use the intro APR period. Otherwise, the standard variable APR of 13.49% to 23.49% applies.

Your points round up to the nearest 10

As of this writing, the Citi Rewards+® Card is the only credit card that will actually round up your points earned to the nearest 10. So if you make a $21 grocery store purchase — which is in the 2x grocery category — you’ll earn 42 points. Rounded up, however, you’ll end up with 50 points. Make a $1 purchase? You’ll earn a full 10 points.

Because this can benefit you most on many small purchases, the card is good for day-to-day spending. Need a Red Bull? Earn 10 points. Grabbing lunch? Earn 20 points. Late night coffee? Earn 10 points.

One thing to keep in mind here is the rounding bonus is less valuable as you spend more money on single purchases. Spending $300 on a new video game console will still only round you up by 10 points to a total of 310.

Citi Rewards+® Card customer reviews and complaints

Users on social media, such as Reddit, were surprised at just how quickly the card could amass points with small purchases. One user even mentioned they had never been so enthused to buy a single banana. Yes, a lot of college students love this card.

A few users mentioned dissatisfaction with Citi’s app, as well as their customer service. Another user made the very good point that earning the signup bonus (or closing a Citi card) prevents you from earning another Citi signup bonus for the next 24 months. If a signup bonus is a big part of your overall card strategy, the Citi Rewards+® Card might appear as a somewhat weak choice.

How does the Citi Rewards+® Card compare to similar cards?

The Citi Rewards+® Card is best measured up against other mid-level, no-annual-fee rewards cards in larger ecosystems. In terms of rewards earning, here’s a look at how the card stacks up against the Amex EveryDay® Credit Card and the Chase Freedom Unlimited®.

Citi Rewards+® Card

★★★★★

Finder Rating: 4.1 / 5

Find out more

Minimum credit score

670

Annual fee

$0

Purchase APR

0% intro for the first 15 months (then 13.49% to 23.49% variable)

Balance transfer APR

0% intro for the first 15 months (then 13.49% to 23.49% variable)

Rewards

Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases

Welcome offer

Earn 20,000 points after spending $1,500 in the first 3 months

Capital One SavorOne Cash Rewards Credit Card

★★★★★

Finder Rating: 4.5 / 5

Go to site

Minimum credit score

670

Annual fee

$0

Purchase APR

0% intro for the first 15 months (then 14.99% to 24.99% variable)

Balance transfer APR

0% intro for the first 15 months (then 14.99% to 24.99% variable)

Rewards

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023

Welcome offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Compare point-earning potential

Compare how many points you’d earn for each credit card if you were to spend $600 in their respective highest earning category.

Credit cardHighest earning categoryPoints earned
Citi Rewards+® Card2x points at US supermarkets and gas stations1200
Amex EveryDay® Credit Card2x at US supermarkets1200
Chase Freedom Unlimited®5x points at grocery stores, travel purchased on Chase Ultimate Rewards and on Lyft rides3,000

The odd one here is the Chase Freedom Unlimited® card because of its September 2020 updates. Now, instead of earning unlimited 1.5% back on all purchases, you’ll earn 5% back on Lyft rides until March 21, 2022, 5% back on travel purchased through the Chase Ultimate Rewards, and 3% back at drugstores and restaurants including takeout and delivery.

On the other hand, the Citi Rewards+® Card will round up points earned to the next 10, whereas the Amex EveryDay® Credit Card will give you 20% more points in an earning period if you happen to make 20 or more purchases in that time.

Let’s suppose that both the Citi Rewards+® Card and Amex EveryDay® Credit Card made the same $600 purchase across 20 payments of $30 each. And let us also suppose that the Citi Rewards+® Card cardholder spent $31 instead of $30 on each of those payments. The rewards earned will look a little different.

The Citi Rewards+® Card is best measured up against other mid-level, no-annual-fee rewards cards in larger ecosystems. In terms of rewards earning, here’s a look at how the card stacks up against the Amex EveryDay® Credit Card and the Chase Freedom Unlimited®, assuming $600 in spending on each card’s highest earning category.

Comparison assuming $600 spent across 20 payments of $30 each

Credit cardHighest earning categoryPoints earned
Citi Rewards+® Card2x points at US supermarkets and gas stations2100
Amex EveryDay® Credit Card2x at US supermarkets1440
Chase Freedom Unlimited®5x points at grocery stores, travel purchased on Chase Ultimate Rewards and on Lyft rides3,000

As you can see, the rounding feature of the Citi Rewards+® Card can lead to a wild swing in point earnings depending on how you use it. If you were a real madman, you could hypothetically make six hundred $1 purchases at a grocery store for a gain of 6,000 points. But for today, we’ll dally in the realm of the practical.

Cards to pair with Citi Rewards+® Card

If you’re interested in boosting the value of the points you earn with your Citi Rewards+® Card, you’ll want to look at picking up the Citi Premier® Card.

The Citi Premier® Card lets you transfer your points to Citi’s travel partners. For most partners, you can move your points over at a ratio of 1:1 in 1,000 point increments, though there are some exceptions. Points moved this way can be worth double their standard value (or even more!) and are generally the best way to use your ThankYou points.

The Citi Premier® Card also lets you redeem your ThankYou points through the Citi travel portal at a 1.25x value, which is useful if you don’t feel like doing the extra research involved in transferring points.

Compare rewards credit cards

If this card isn’t right for you, consider other rewards cards on the market. Select up to four credit cards from the table and hit Compare to view their features side-by-side,

Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Venture X Rewards Credit Card
100,000 miles after you spend $10,000 in your first 6 months of account opening
10x miles on hotel and rental car purchases booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on every other purchase

$395
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $1,400 in travel
Earn unlimited 2x miles on every purchase, every day
$95
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
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Compare up to 4 providers

Bottom line

The Citi Rewards+® Card competes nicely with its competitors while offering a totally unique feature you won’t find anywhere else. If you need an everyday spending card with an extra dash of spice for those coffee and battery runs, this card is worth a look. But if you’re looking for a card with broader earning potential, you can check out other reward cards to find one that suits your needs.

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