Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Citi Rewards+℠ Card review

Last updated:  

This rewards card lets you round up your points.

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 an excellent credit score of 740 or higher.

15,000

Points as welcome offer

Up to 2x

Points

$0

Annual fee

0%

Intro purchase APR

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

Details

Product NameCiti Rewards+℠ Card
Card typeMastercard
Annual fee$0
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)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate25.24% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APRUp to 29.99% variable
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Late payment feeUp to $40
Returned payment feeUp to $40

Expert review

Steven Dashiell

Review by


Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

Expert review

At first glance, the Citi Rewards+℠ Card — offered by Citi, a finder.com advertising partner — appears to be a solid, if not somewhat standard, everyday rewards card. You can earn a 15,000 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.

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.

How do I apply for the Citi Rewards+℠ Card?

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

  1. Click Apply now.
  2. Fill out your personal information and click Agree submit.

Who can qualify for this card?

Since this is an upper-mid level rewards card, you’ll need an excellent credit score of 740 or better to qualify.

Need a quick look? Here are the pros and cons

Pros

  • Signup bonus. Spend $1,000 on purchases within 3 months of account opening to earn 15,000 ThankYou points. That’s worth up to $150 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.
  • 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%.

Cons

  • 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.

Deeper dive: Citi Rewards+℠ Card major benefits

Points get rounded up

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.

ThankYou for transferring your points

While making small, daily purchases with the card is a great way to earn points, you can earn even more if you 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. If a single point at an eligible airline is worth 2 or 3 cents a piece instead of 1 cent, congrats: You just multiplied your point value!

How do I redeem Citi ThankYou points?

Any points you earn with the Citi Rewards+℠ Card are posted automatically to your Citi account. You can access your trove of points by logging into your account online or through your Citi mobile app.

How much are Citi ThankYou points worth?

Citi ThankYou points are worth about 1 cent each on average, though, like most kinds of credit card reward programs, this value can fluctuate depending on how you redeem them. The real key to getting the most out of your points is to transfer them over to one of Citi’s higher-tier reward cards.

Who is this card good for?

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.

The caveat? You’ll need to have an excellent credit score to qualify for this card, so start building that credit early.

Here’s what to watch out for

Foreign transaction fees.

If you use the Citi Rewards+℠ Card abroad, you’ll pay a foreign transaction fee: 3% of any purchase made. Given that the Citi Rewards+℠ Card isn’t a travel card, this isn’t that surprising. Still, it’s something to note as it could wipe out any points you might gain from the round-up feature.

Penalty APR.

Miss a payment and Citi might punish you with a penalty APR of up to 29.99% variable. These penalty APRs can stick around indefinitely, so make sure to keep up on your payments.

Balance transfer limitations.

Make any balance transfers within four months of account opening. This is one more month than many other cards, but it’s best to make your transfer well before your time is up.

Signup bonus limitations.

You only qualify for the signup bonus if you haven’t earned a Citi signup bonus or closed a Citi credit card within the last 24 months. That means if you’re eyeing multiple Citi cards, you’ll want to carefully consider which signup bonus is most valuable to you.

What are my preapproval odds?

Citi has a prequalification page on its site that can help you determine if you’ll be preapproved for a credit card. While you can’t target the exact card you want, fill out your personal information and the type of card features most important to you. Citi takes that information and shows you a list of cards you’d be preapproved for.

While preapproval doesn’t guarantee approval, social media users, including Reddit, peg your approval odds after prequalification at around 90%.

Be wary of applying for the card if you aren’t preapproved, however, as you’ll get a hard credit pull that can affect your overall score. While you still could be approved at the end of that process, applying without preapproval can be a bit of a dice roll.

What’s the buzz around this card?

Praise

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.

Complaints

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.

Can I add my spouse to my account?

Citi allows you to add an authorized user to your card account at no listed cost, which is great if your loved one is into making the same small day-to-day purchases as you.

Authorized users can use the card in the same ways as the primary cardholder and still earn points. However, you both share those points and the credit line.

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®, assuming $600 in spending on each card’s highest earning category.

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 purchases made at grocery stores during your first year with a $12,000 cap, 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 one of these two Citi cards: the Citi Prestige® Credit Card or the Citi Premier® Card.

Both of these cards let 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

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
loading

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.

Frequently asked questions

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site