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Citi Rewards+℠ Card review

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Earn more points at supermarkets, gas stations and on smaller transactions.

The information about Citi Premier℠ Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
  • Get this card if you want an everyday rewards credit card with no annual fee.
  • Pick something else if you want to earn travel rewards.
  • Apply with a good to excellent credit score of 670 or higher.


Points as welcome offer

Up to 2x



Annual fee


Intro Purchase APR

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


Product NameCiti Rewards+℠ Card
Card typeMastercard
Annual fee$0
Purchase APR0% intro for the first 15 months (then 14.99% to 24.99% variable)
Balance transfer APR0% intro for the first 15 months (then 14.99% to 24.99% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate26.74% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% 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

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Citi Rewards+℠ Card, issued by Citi, an advertising partner of finder.com, is an excellent choice if you’re looking for a credit card with no annual fee and a decent rewards structure. Aside from offering a signup bonus and a long intro APR period on purchases and balance transfers, this card lets you earn more points on everyday purchases with its round-up feature.

Plus, you get points back when you redeem for the first 100,000 points in a year.

Card benefits

  • Signup bonus.
    Earn 15,000 ThankYou points once you spend $1,000 on purchases within three months of your account opening. That’s worth up to $150 when redeemed for gift cards on the Citi ThankYou rewards site.
  • ThankYou 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 points.
    Get your points rounded up to the nearest 10. For example, if you buy a $2 coffee, you’ll earn 10 points instead. In this example, you essentially get 5% back on your purchase. This feature is ideal if you often make smaller purchases.
  • No annual fee.
    You won’t pay any yearly fees to own the card.
  • Intro APR period.
    Use your first 15 months of card membership to make balance transfers or purchases and take advantage of a 0% intro APR. After the intro period passes, your rate reverts to a variable 14.99% to 24.99%. Just be sure to request any balance transfers in the first 4 months of account opening.
  • 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.
  • Citi benefits.
    This card comes with the standard Citi benefits like Citi Concierge, digital wallets, Citi Entertainment℠ and hard-to-counterfeit EMV chip.

What to watch out for

  • 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. Once applied, it may last 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 14.99% to 24.99% will apply.

Compare rewards credit cards

Updated January 21st, 2020
Name Product Welcome offer Rewards Annual fee Filter values
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Blue Cash Everyday® Card from American Express
$150 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
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
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Want to earn more ThankYou points?

Combine this card with the Citi Premier℠ Card and earn 3x points on travel and gas stations and 2x points on dining and entertainment, and get 25% higher points redemption value on flights

At supermarkets and for smaller transactions, use the Citi Rewards+℠ Card.

Tip: If you decide to combine these two cards, make sure you get the Citi Premier℠ Card first so you can earn the higher signup bonus. Once you get one card, you won’t be eligible for the signup bonus with the other.

Bottom line

This can be an excellent credit card for those who want to earn more ThankYou points without paying an annual fee. You get to earn a decent signup bonus, and you can earn double points at supermarkets and gas stations. But the highest value comes with smaller purchases, where Citi rounds up your points to the nearest 10.

Not sure if this is the card for you? Compare rewards credit cards and find the best fit for your lifestyle.

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