Citi Rewards+® Card overview

The Citi Rewards+® Card is a no-annual-fee card that provides 2 factors per greenback at gasoline stations and grocery shops, on as much as $6,000 per 12 months (and 1 level per greenback thereafter), in addition to two comparatively distinctive options. First, it rounds the earnings on all purchases as much as the closest 10 factors. Second, it provides you 10% again on the primary 100,000 factors you redeem yearly. Card ranking*: ⭐⭐⭐½

* Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Citi Rewards+ Card is exclusive in that earnings on all purchases are rounded as much as the closest 10 factors. However there are additionally different facets to the cardboard that may be helpful to pick out cardholders — and it additionally simply added a brand new piece to its welcome bonus.

The Citi Rewards+ Card is nice when you make many small purchases as a result of every buy can be rounded to the closest 10 factors. Even a 50-cent pack of gum will earn 10 factors.

Most cardholders will get probably the most worth from their factors by redeeming them for present playing cards at a price of 1 cent per level. However your rewards can turn into much more invaluable when you even have the Citi Status® Card (not out there to new candidates) or Citi Premier® Card.

You’ll be able to mix the ThankYou Rewards factors earned in your Citi Rewards+ account with these from the Citi Premier or Citi Status after which switch them to the ThankYou Rewards program’s 16 airline and two resort companions.

The knowledge for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

This card has no annual price.

Let’s take a more in-depth take a look at this card so you may resolve whether or not it may very well be a invaluable addition to your pockets.

Citi Rewards+ welcome supply

The Citi Rewards+ Card is providing a 20,000-point bonus after spending $1,500 within the first three months of account opening.

Nevertheless, the sign-up bonus isn’t out there when you’ve acquired a brand new cardmember bonus for any of the next playing cards — or when you’ve closed any of those accounts — up to now 24 months:

You’ll be able to redeem these 20,000 factors for $200 in present playing cards. However when you even have the Citi Status or the Citi Premier, you may transfer factors out of your Rewards+ account to your Status or Premier account. Doing so permits you to switch your factors to airline companions, through which case the bonus is value $360, primarily based on TPG’s valuations.

Associated: Not touring for now? How you can maximize your reward factors on different redemptions

Incomes factors with the Citi Rewards+

The Citi Rewards+ Card usually earns 2 ThankYou factors per greenback spent at supermarkets and gasoline stations on the primary $6,000 per 12 months and 1 level per greenback thereafter. You’ll additionally earn 1 ThankYou level per greenback spent on all different eligible purchases.

Additionally, to coincide with the launch of Citi Journey with Reserving.com, Citi Rewards+ cardholders can earn as much as 5 factors per greenback on bookings within the portal by means of June 30, 2024.

Retailers should classify themselves as a grocery store or gasoline station so that you can earn 2 factors per greenback. So, on-line supermarkets, warehouse golf equipment, wholesale golf equipment, superstores, low cost shops, department shops and comfort shops might not present this incomes price. The cardboard’s phrases and situations additionally explicitly exclude “gas bought for industrial functions or used for non-automobile functions” from incomes bonus factors, in addition to the next forms of retailers:

“Basic merchandise/low cost superstores, freezer/meat locker provisioners, dairy product shops, miscellaneous meals/comfort shops, markets, drugstores, warehouse golf equipment, wholesale golf equipment, specialty distributors, bakeries, sweet shops, nut shops, confectionery shops, and meal package supply companies.”

Nevertheless, past these normal accrual charges, one of many Citi Rewards+ Card‘s promoting factors is that every one incomes is rounded to the closest 10 factors. As an illustration, you may buy a $3 espresso at a restaurant and earn 10 factors. In the event you use your card at a grocery store and make $42 in purchases, your incomes can be 84 factors (because it’s a 2-point-per-dollar class), then rounded as much as the closest 10, which is 90 factors whole.

Clearly, this rounding may very well be exploited. Because of this, the cardboard’s phrases and situations explicitly prohibit “fraud, misuse, abuse, or suspicious exercise” that features “Utilizing your Card Accounts or Citibank Checking Account in an abusive method for the first function of buying Factors.”

That mentioned, the Citi Rewards+ Card is completely designed for your whole bills that occur to be small. Certainly, all grocery store and gasoline station purchases of $5 and underneath and all different purchases of $10 and underneath will earn 10 factors. To maximise your incomes whereas spending usually, take into account your threshold for utilizing the Citi Rewards+ Card in every spending class. This can be primarily based on the opposite bank cards you could have.

For instance, let’s see how your incomes would stack up for some pattern purchases when you have the Citi Premier and the Citi Rewards+ (observe that that is primarily based on normal incomes charges and doesn’t consider limited-time bonuses).

So, when you solely have the Citi Premier and the Citi Rewards+, you’ll all the time need to use the Premier for grocery and most restaurant purchases. For all different classes, you’ll need to use the Rewards+ for small purchases and the Premier for bigger purchases — you simply want to seek out the break-even level for every spending class.

Associated: The very best cash-back bank cards for every bonus class

Redeeming factors with the Citi Rewards+

The factors earned by the Citi Rewards+ Card are thought of “fundamental” Citi ThankYou factors that you could redeem at Amazon or Greatest Purchase for purchases at lower than 1 cent every. Alternatively, redeeming present playing cards at 1 cent every is a greater choice.

As well as, while you redeem your factors, you’ll obtain 10% factors again for the primary 100,000 factors redeemed per calendar 12 months. Which means when you redeem 10,000 factors in a 12 months, you’ll obtain 1,000 of these factors again.

However when you even have the Citi Status or the Citi Premier, you may transfer factors out of your Citi Rewards+ account to your Status or Premier account and switch them to companions corresponding to Avianca LifeMiles and Etihad Visitor. This will increase the worth of the factors you earn with the Citi Rewards+ from 1 cent every to roughly 1.8 cents every.

Associated: How you can redeem Citi ThankYou Factors for optimum worth

Citi Rewards+ advantages

Being a no-annual-fee card, the Citi Rewards+ Card doesn’t supply many perks. Its essential enchantment is the way it accrues factors (which we’ll cowl in a second).

Nevertheless, the cardboard is about up for contactless cost so as to faucet and go. You’ll additionally get entry to Citi Concierge and Citi Leisure, each of which may present helpful help.

You received’t need to use the Citi Rewards+ Card when touring overseas because the card levies a 3% international transaction price.

Associated: The very best no-annual-fee bank cards

Which playing cards compete with the Citi Rewards+?

No different playing cards spherical up your earnings to the closest 10 factors or offer you a blanket rebate on the factors you redeem, so there’s no direct competitor. However, the Citi Rewards+ Card needs to be in contrast in opposition to different no-annual-fee bank cards.

• If you would like an Amex card: The Amex EveryDay Credit score Card from American Categorical is probably probably the most just like the Citi Rewards+ Card as a result of it accrues 2 factors per greenback on the primary $6,000 you spend at U.S. supermarkets every year (then 1 level). Plus, the cardboard rewards making no less than 20 transactions in a month with a 20% factors bonus, so that you’ll in all probability be making numerous small purchases with both card. For extra info, learn our full overview of the Amex EveryDay. The knowledge for the Amex EveryDay card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
• When you have a Chase Sapphire card: The Chase Freedom Limitless is a stable card that earns 1.5% money again on most purchases when you don’t have a full-fledged Chase Final Rewards card just like the Chase Sapphire Reserve or Chase Sapphire Most well-liked Card. However when you have certainly one of these Final Rewards playing cards, utilizing the cardboard is like incomes 1.5 Final Rewards factors per greenback spent on most eligible purchases, since you may mix your factors with these out of your different card. It additionally options a number of bonus classes, together with 5% again on journey bought by means of Chase Final Rewards and three% on eating and drugstore purchases, drastically bettering your potential return. For extra info, learn our full overview of the Freedom Limitless.
• If you would like simplicity: The Citi Double Money Card supplies 2% money again on all purchases — 1% while you purchase and 1% as you repay your assertion. Cardholders may convert money again to ThankYou factors by way of a linked ThankYou account. Nevertheless, when you can maximize your bonus class spending and the 10-point round-up with the Citi Rewards+, although, it’d nonetheless be a greater card to your wants. For extra info, learn our full overview of the Citi Double Money.

For extra choices, try our full checklist of no-annual-fee playing cards.

Learn extra: Why it is best to double down with the Citi Premier and Citi Rewards+

Is the Citi Rewards+ value it?

The Citi Rewards+ Card generally is a good selection when you make small purchases incessantly or profit from a ten% return on redeemed factors, particularly when you have a Citi Status or Citi Premier that may increase the worth of the ThankYou factors earned by the Rewards+ Card. I wouldn’t suggest it as your sole bank card, although.

Backside line

Whereas the Citi Rewards+ presents some issues, different playing cards with no annual price present that uncapped bonus incomes within the grocery store or gasoline classes (or each) or higher incomes on on a regular basis spending.

Apply right here for the Citi Rewards+ Card with a 20,000-point sign-up bonus after you spend $1,500 on purchases along with your card throughout the first three months of account opening.

Further reporting by Ryan Wilcox and Joseph Hostetler.