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The Citi Rewards+® Card offers something wholly unique with its round-up feature. The number of points you earn on purchases 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 Citi credit card and how you plan to redeem those rewards. Learn more in our in-depth Citi Rewards+® Card review below.
Citi Rewards+® Card
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On Citi's Secure Website.
Apply Now
On Citi's Secure Website.
Rating image, 4.00 out of 5 stars.
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. 4.00/5
Apply Now
On Citi's Secure Website.
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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.
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- Points round up on purchases
- Sign-up bonus
- Supermarket and gas station rewards
- Great intro APR
- No annual fee
- Low rewards rate
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- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Full Citi Rewards+ review
This credit card is a good fit for: Consumers who make plenty of small purchases and can take advantage of this card's unique round-up feature.
Top perks
No annual fee: You can carry this credit card without paying an annual fee.
20,000 bonus points: To earn this sign-up bonus, you need to spend $1,500 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.
Citi ThankYou points are generally worth $0.01 each when redeemed for travel or slightly below $0.01 each when redeemed for cash back or online shopping purchases.
Earn up to 2 points per $1: The Citi Rewards+® Card earns 2 points per $1 on your first $6,000 in combined supermarket and gas station spending per calendar year. On other purchases, it earns 1 point per $1.
Round up to the nearest 10 points on purchases: As mentioned above, your points are rounded up on purchases. 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.
0% intro APR on purchases and balance transfers: This intro rate lasts for 15 months for both purchases and balance transfers, making it one of the better 0% intro APR credit cards. You must make any balance transfers within the first four months of opening the card for that 0% intro APR to apply, but that's not much of a drawback. After all, if you open the Citi Rewards+® Card to refinance credit card debt, you'll probably want to transfer balances over as soon as possible.
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, you'll get 10,000 points back.
Transfer points to other Citi cards: If you also have a travel rewards card with Citi, you can transfer your ThankYou points from your Citi Rewards+® Card to that travel card. The reason this is important is because Citi's top travel cards offer more high-value ways to use ThankYou points, including transfers to partner airlines. You could use the Citi Rewards+® Card to earn the most possible points on small transactions through its round-up feature, and then get more out of those points by transferring them to a card with better redemption options.
Alternatives to consider
- If you want to earn an unlimited sign-up bonus: The Discover it® Cash Back may not round up your rewards points, but it offers another powerful way to boost your earnings. Discover will automatically match all the cash back you’ve earned at the end of your first year. This sign-up bonus is only available for new cardholders, but it can be particularly lucrative since the match is unlimited.
- If you want to use your card abroad: The Bank of America® Travel Rewards credit card doesn't carry any foreign transaction fees, so you won't need to pay more for purchases on international vacations. For a no-annual-fee card, it also has some solid earning potential with unlimited 1.5 points per dollar and a big sign-up bonus
As of Jan. 13, 2022
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| Discover it® Cash Back | Bank of America® Travel Rewards credit card |
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Rating image, 5.00 out of 5 stars.
5.00 stars
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. |
Rating image, 5.00 out of 5 stars.
5.00 stars
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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Apply Now
On Discover's Secure Website. |
Apply Now
On Bank of America's Secure Website. |
| Read Full Review | Read Full Review |
| Rates & Fees | |
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Credit Rating Requirement: |
Credit Rating Requirement: |
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Cashback Match |
25,000 points |
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1% - 5% Cashback |
1.5 points per dollar |
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Intro APR: Purchases: 0% Intro APR, 14 months Balance Transfers: 0% Intro APR, 14 months |
Purchases: 0%, 15 billing cycles Balance Transfers: N/A |
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Regular APR: 11.99% - 22.99% Variable APR |
Regular APR: 13.99% - 23.99% Variable |
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Annual Fee: $0 |
Annual Fee: $0 |
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Highlights:
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Highlights:
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Apply Now
On Discover's Secure Website. |
Apply Now
On Bank of America's Secure Website. |
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What could be improved
Rewards rate: Although the Citi Rewards+® Card has two bonus categories, there are plenty of top credit 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.
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Suggested credit score
You'll need a FICO® Score of at least 670 to have a good shot at getting approved for the Citi Rewards+® Card. Although approval isn't guaranteed with any credit score, this card is intended for those who have good to excellent credit.
This credit card is right for you if:
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® Card and you're interested in boosting your rewards.
If you're the type to buy a $3 coffee here, a $6 lunch there, and other small purchases throughout the day, 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® Card. 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 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.
Apply Now
On Citi's Secure Website.
About the Author
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
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