Citi Rewards+℠ Card Review: A Credit Card That Rounds Up Your Rewards

Lyle is a writer specializing in credit cards, travel rewards programs, and banking. His work has also appeared on MSN Money, USA Today, and Yahoo! Finance.

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The Citi Rewards+℠ Card is one of the few credit cards that offer something wholly unique with its round-up feature. On every purchase, the number of points you earn automatically rounds up to the nearest 10 points. It's an interesting perk that will certainly earn you some extra points, but does it make the card worth your time, or is it just a gimmick? That will depend on how often you use your credit card and how you plan to redeem those rewards.

Ratings Methodology
Citi Rewards+℠ Card

Citi Rewards+℠ Card

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Why Apply

Cardholders can secure premium rewards with the innovative program that rounds up every point earned. Plus, there's a well-rounded suite of perks, including no annual fee and a long 0% intro APR offer.

Top Perks:
  • Innovative rewards program
  • Long 0% intro APR offer
  • Annual Fee: $0
  • Regular APR: 14.99% - 24.99% (Variable)
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Highlights
  • The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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What I like

No annual fee -- You can carry this credit card without paying an annual fee.

15,000 bonus points -- To earn this sign-up bonus, you need to spend $1,000 within the first three months. While this isn't one of the biggest sign-up bonuses available, it's a solid bonus for a no-annual-fee card, and the low spending minimum is easy to reach.

2 points per $1 at supermarkets and gas stations -- This rate applies to your first $6,000 in combined supermarket and gas station spending. After that you'll earn the default rate of 1 point per $1.

Round up to the nearest 10 points on every purchase -- As mentioned above, your points are rounded up on every purchase. So a $0.75 purchase that would normally earn you 1 point will instead earn you 10 points, a $45 purchase will earn you 50 points, and so on.

This also applies to purchases that earn 2 points per $1 due to the card's bonus categories. Let's say you spend $13 at a supermarket. Since that's a bonus category with this card, that $13 purchase would double to 26 points, and that would round up to 30 points.

0% intro APR on purchases and balance transfers -- This intro rate lasts for 15 months for both purchases and balance transfers. However, you must make any balance transfers within the first four months of opening the card for that 0% intro APR to apply.

10% of your points back -- You'll get 10% back on the first 100,000 points that you redeem per calendar year. If you max this out by redeeming 100,000 points, then you'll get 10,000 points back.

What could be improved

Rewards rate -- Although the Citi Rewards+℠ Card has two bonus categories, there are plenty of rewards cards available that have either higher rewards rates or more bonus categories.

Foreign transaction fee -- Each foreign transaction has a fee of 3% of the transaction amount in U.S. dollars, so you wouldn't want to use this card for international purchases.

How Citi ThankYou® points work

Citi ThankYou® points can be confusing, because there are different redemption options depending on which Citi credit cards you have.

If you only have the Citi Rewards+℠ Card, then you can redeem your points for the following:

  • Travel purchases
  • Gift cards
  • Cash-back statement credits
  • Purchasing products at Amazon.com or BestBuy.com

Of the options above, travel purchases and gift cards get you the best value at $0.01 per point. If you use your points for cash back and shopping at Amazon or Best Buy's sites, you'll get less than $0.01 per point, so that's not a good redemption option.

Your Citi ThankYou® points will be much more valuable if you also have either the Citi Premier℠ Card or the Citi Prestige®. If so, you can also transfer your points to any travel partner in the Citi ThankYou® Rewards program and make an award booking. That often allows you to get a much higher value for your points.

How this card compares to other rewards cards

Here are two other cards that also offer great cash-back deals at supermarkets and gas stations. See how they compare to the Citi Rewards+℠ Card:

As of Jan. 07, 2020
Bank of America® Cash Rewards credit card Blue Cash Everyday® Card from American Express
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4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
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4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
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Rates & Fees

Credit Rating Requirement: Good/Excellent Clickable tooltip icon for credit rating info.

Credit Rating Requirement: Good/Excellent Clickable tooltip icon for credit rating info.

Bonus: $200 after spending at least $1,000 in the first 90 days of account opening Bonus: $150 statement credit after spending $1,000 within three months
Rewards Program: 3% cash back on gas or in your choice category, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% on all else. Rewards Program: 3% cash back at U.S. supermarkets ($6,000 spending cap per year), 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on all else
Intro APR: Purchases: 0%, 15 billing cycles Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Regular APR: 15.49% - 25.49% Variable Regular APR: 14.49%-25.49% Variable
Annual Fee: $0 Annual Fee: $0
Foreign Transaction Fee: None Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

Highlights:

  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

Highlights:

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.

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Apply Now
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On Bank of America's Secure Website.

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Apply Now
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On American Express' Secure Website.

Is this card right for you?

The Citi Rewards+℠ Card may be a good fit for you if either of the following is true:

  • You use your credit card frequently for small transactions.
  • You have the Citi Premier℠ Card or the Citi Prestige® and you're interested in boosting your rewards.

If you're the type to buy a $3 coffee here, a $6 lunch there, and make other small purchases throughout the day, then the Citi Rewards+℠ Card could earn you quite a few extra points through its round-up feature.

This card also works extremely well as a complementary option to either the Citi Premier℠ Card or the Citi Prestige®. Since it has bonus categories that those cards don't, it will give you the opportunity to earn more bonus points. You can also use it for any non-bonus spending to get your rewards rounded up.

Those who don't fit into either of the categories above will most likely be better off with cash-back cards or travel cards that have higher rewards rates.

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