Citi Rewards+® Card

Quick Snapshot

• Annual Fee: $0
• APR: 0% intro for 15 months, then 17.74%-27.74% variable
• Rewards: 2X points at supermarkets and gas (up to $6,000/year), 1X on all else
• Bonus: 20,000 ThankYou Points after $1,500 spend in 3 months (worth $200)
• Best For: Small purchase maximizers, points rounding enthusiasts
• Credit Needed: Good to Excellent (670+)
• Availability: May no longer accept new applications - check with Citi

Overview

The Citi Rewards+® Card is a unique no annual fee points card that offers 2X ThankYou Points at supermarkets and gas stations (up to $6,000 in combined purchases per year), plus a distinctive points rounding feature that automatically rounds up every purchase to the nearest 10 points. Perfect for those who want to maximize small purchases and everyday spending.

This card's standout feature is its automatic points rounding - spend $12 (normally 10 points) and automatically earn 20 points instead. This unique benefit makes small purchases more rewarding than any other card, especially when combined with the 2X earning at supermarkets and gas stations.

Important Note: This card has been reported as no longer accepting new applications and may be replaced by the Citi Strata Card. Please check with Citi for current availability before applying.

APR Breakdown

• Purchase APR: 0% intro APR for 15 months from account opening, then 17.74%-27.74% variable
• Balance Transfer APR: 0% intro APR for 15 months from account opening on balance transfers, then 17.74%-27.74% variable
• Cash Advance APR: 29.49% variable
• Penalty APR: None

Note: Competitive 15-month 0% intro APR on both purchases and balance transfers provides excellent flexibility.

Benefits Overview

Travel Benefits

• Trip Cancellation & Interruption Protection: Coverage for prepaid, non-refundable travel expenses
• 5X points on hotels, rental cars and attractions booked through CitiTravel.com (limited-time offer through December 31, 2025)
• Select Transit: Eligible for potential points earning

Everyday Benefits

• Purchase Protection: Coverage for eligible new purchases against damage or theft for 120 days
• Extended Warranty Protection: Extends eligible manufacturer warranties by an additional year
• Identity Theft Solutions: Assistance if you become a victim of identity theft
• 24/7 fraud monitoring with zero liability protection
• Automatic Points Round Up: Revolutionary feature that rounds every purchase to nearest 10 points

Lifestyle Benefits

• Citi Entertainment: Access to presale tickets and exclusive experiences for concerts, sporting events, and more
• Points pooling with other Citi ThankYou cards for maximum flexibility
• Flexible redemption options through ThankYou Points platform
• Small purchase optimization through unique rounding feature

Rewards Structure

• 2X ThankYou Points at supermarkets and gas stations on up to $6,000 in combined purchases per year, then 1X
• 1X ThankYou Point per $1 on all other purchases
• Automatic Points Round Up: Every purchase automatically rounds up to the nearest 10 points
  • Example: Spend $12 (normally 12 points) = automatically earn 20 points
  • Example: Spend $3.50 at a coffee shop (normally 4 points) = earn 10 points
  • Gas and grocery purchases rounded up after the 2X rate is applied
  • This feature effectively gives you bonus points on every single transaction
• Limited-Time Offer: Earn 5X points on hotels, rental cars and attractions booked through CitiTravel.com (through December 31, 2025)
• Points never expire as long as your account remains open
• Redemption options: Transfer to partners (if paired with Premier/Prestige), cash back, gift cards, travel bookings, or statement credit

Points Rounding Example:

• Coffee: $4.50 → normally 5 points → rounds to 10 points (100% bonus!)
• Lunch: $12.75 → normally 13 points → rounds to 20 points (54% bonus!)
• Groceries: $87 → normally 174 points (2X) → rounds to 180 points

The smaller the purchase, the bigger the percentage bonus from rounding.

Welcome Bonus

Earn 20,000 bonus ThankYou 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.

When paired with a Citi Premier or Prestige card, these points can be transferred to airline partners for potentially higher value.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: 3%
• Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Small purchase optimizers who make many small transactions (rounding feature shines here)
• Grocery and gas shoppers who spend up to $6,000/year in these categories
• Coffee and quick meal buyers benefiting from points rounding on $3-15 purchases
• Intro APR seekers needing 15 months for purchases or balance transfers
• Citi ecosystem members who want to pool points with Premier or Prestige
• No annual fee maximizers wanting every possible point without paying fees

Not Good For

• New applicants (card may no longer be available)
• High spenders in one category who exceed the $6,000/year cap quickly
• International travelers (3% foreign transaction fee is costly)
• Large purchase only users (rounding provides minimal value on big transactions)
• Premium rewards seekers wanting higher than 2X earning rates
• Those needing transfer partners (requires pairing with Premier or Prestige)

Key Pros & Cons

Pros

• No annual fee makes it accessible for long-term use
• Unique automatic points rounding feature maximizes value on small purchases
• 2X points at supermarkets and gas stations covers common everyday spending
• Extended 15-month 0% intro APR period on both purchases and balance transfers
• Points earned as flexible ThankYou Points with multiple redemption options
• Can pool points with other Citi ThankYou cards (especially powerful with Premier)
• Limited-time 5X points on travel booked through Citi Travel (through Dec 2025)
• Points rounding works on every single transaction (no exceptions)
• Lower ongoing APR (17.74%-27.74%) compared to other Citi cards

Cons

• Card may no longer be accepting new applications (check availability)
• 2X earning capped at $6,000 per year in combined supermarket and gas purchases
• Lower 2X earning rate compared to competing grocery/gas cards (some offer 3-6%)
• Points rounding provides minimal value on large purchases ($100+ transactions)
• Welcome bonus lower than competing cards (20,000 vs 40,000+ elsewhere)
• 3% foreign transaction fee limits international use
• Variable APR can still be high (up to 27.74%) after intro period
• Limited earning categories compared to other rewards cards
• Points have limited transfer options unless paired with Premium Citi cards

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

If you spend $18,000 per year including many small purchases:

Total First Year Value: ~$463
Ongoing Annual Value: ~$263

Important Note: The points rounding feature adds approximately $40-60 in extra value annually depending on purchase patterns. The more small transactions you make, the more valuable the rounding becomes.

Best Use Case: Making 5 small coffee purchases per week at $4.50 each:

• Without rounding: 5 × 5 points = 25 points/week = 1,300 points/year
• With rounding: 5 × 10 points = 50 points/week = 2,600 points/year
• Rounding bonus: 1,300 extra points/year = $13 just from coffee!

Should You Get This Card?

You Should Get It If…

• The card is still accepting applications when you apply
• You make many small purchases daily (coffee, lunch, snacks, small errands)
• You spend up to $6,000/year at supermarkets and gas stations combined
• You want to maximize every transaction through automatic points rounding
• You need a 15-month 0% intro APR for purchases or balance transfers
• You already have or plan to get a Citi Premier/Prestige for transfer partners
• You value no annual fee cards and want creative earning features
• You're building a Citi ThankYou Points strategy

You Should Skip It If…

• The card is no longer accepting new applications (likely)
• You primarily make large purchases (rounding provides minimal benefit)
• You spend more than $6,000/year on groceries and gas (hitting cap quickly)
• You travel internationally and can't tolerate 3% foreign fees
• You want higher base earning rates (2X is modest compared to alternatives)
• You need transfer partners but don't want to pair with another card
• You prefer the Citi Custom Cash's automatic 5% categories instead
• You want a more robust welcome bonus

Apply Now

Check availability for Citi Rewards+® Card

Note: This card may no longer be accepting new applications. Consider the Citi Custom Cash® Card or Citi Double Cash® Card as excellent no annual fee alternatives, or the Citi Strata Premier® Card for premium earning and transfer partners.

Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.