Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content

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

Review Updated
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.  Citi is an advertising partner of The Ascent.

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
Apply Now for Citi Rewards+® Card

On Citi's Secure Website.

Rating image, 4.00 out of 5 stars.
4.00 stars
Circle with letter I in it. 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. 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.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Citi Rewards+® Card

On Citi's Secure Website.

Limited Time Offer

For a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024.

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.49% - 28.49% (Variable)

Rewards Circle with letter I in it. 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year, 1X ThankYou® points on other purchases

1x - 2x points

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com

25,000 points

  • 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.

    • Points round up on purchases
    • Sign-up bonus
    • Supermarket and gas station rewards
    • Great intro APR
    • No annual fee
    • Low rewards rate
    • Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024. 
    • 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 18.49% - 28.49%, 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).
    • 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 Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
    • No Annual Fee

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.

25,000 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. For a limited time, you can also earn 5 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel Portal through June 30, 2024.

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.

Read more: Best Rewards Credit Cards

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

Read more: Best Citi Credit Cards

As of Jun. 08, 2023
Image for
Image for
Discover it® Cash Back Bank of America® Travel Rewards credit card
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. 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. 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.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. 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. 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.
= Best
= Excellent
= Good
= Fair
= Poor
Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Welcome Offer: Circle with letter I in it. Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match

Welcome Offer: Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

25,000 points

Rewards Program: Circle with letter I in it. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

1% - 5% Cashback

Rewards Program:

1.5 points per dollar

Intro APR:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Intro APR: Circle with letter I in it. 0% Intro APR for 18 billing cycles for purchases. 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.99% - 27.99% Variable APR on purchases and balance transfers will apply. A 3% fee applies to all balance transfers.

Purchases: 0% Intro APR for 18 billing cycles for purchases

Balance Transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days

Regular APR:

16.99% - 27.99% Variable APR

Regular APR:

17.99% - 27.99% (Variable)

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 16.99% to 27.99% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click through to Discover’s website to see terms and conditions.

Highlights:

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.99% - 27.99% Variable APR will apply. A 3% fee applies to all balance transfers.
  • If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

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.

See more: Best Credit Cards for Good 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.

Our Credit Cards Expert