Citi Rewards+℠ Credit Card Review

Best for: people willing to track their spending to maximize category bonuses

From gift cards to travel rewards, the Citi Rewards+ Credit Card is a solid choice for cardholders who want the freedom to choose how they use their rewards. On top of that, the card also comes with  some unique features to help those who want to maximize their rewards bonuses. 

The basics of the Citi Rewards+ Credit Card

  • APR: 0% intro APR on purchases and balance transfers for 15 months, then the standard variable purchase APR of 15.74% – 25.74%.
  • Annual Fee: $0
  • Reward Rates:  Earn two ThankYou® points per dollar spent at gas stations and grocery stores, up to the first $6,000 per year. After that, earn one ThankYou® point per dollar spent. Plus, your points will automatically round up to the nearest ten points on every purchase and you’ll get 10% points back for the first 100,000 ThankYou® points you redeem per year.
  • Intro Offer: Earn 15,000 bonus points after spending $1,000 within the first three months of card membership.

The Citi Rewards+ Credit Card’s standout features 

  • Points that round up: While most rewards cards offer you flat-rate points based on each dollar you spend, the Citi Rewards+ rounds each purchase you make up to the nearest ten points, meaning that a $4 cup of coffee becomes worth ten points and a $12 movie ticket is worth 20 points. 
  • Flexible redemption options: There are multiple ways that you can redeem your ThankYou® points with the Citi Rewards+ card. You can choose from a selection of gift cards for home stores, department stores or restaurants. You can shop with your points at Amazon or Best Buy, or you can redeem them for flights, cruises or other travel rewards.
  • Points back for redeeming: Get 10% of your points back for the first 100,000 ThankYou® Points you redeem per year.

Best way to use the Citi Rewards+ Credit Card 

From filling up at the pump to doing your weekly food shopping, the key to getting the most out of your Citi Rewards+ card is to use it for all of your everyday purchases. Between getting 2x the points for every dollar you spend on gas and groceries, up to $6,000, and knowing that your points will round up on every purchase, this card is really about earning big rewards for shopping small. 

Not only that, but once those small purchases start to add up, you’ll be rewarded again. You can earn 15,000 bonus points when you spend $1,000 within the first three months of opening the card. Once you have enough points, don’t forget to redeem them because Citi even rewards you for your redemption. You’ll receive 10% of your points back for the first 100,000 ThankYou® points you redeem per year. 

In a nutshell

The Citi Rewards+ card is a natural choice for anyone who wants rewards and intends to make their card their go-to option when paying. With no annual fee, double the points for two of the most frequently-used spending categories, and points that round up on every purchase, this card has quite a few incentives that make it worth your while. 

That said, it will work best for someone who doesn’t mind keeping track of spending categories and tiered bonuses. In order to maximize your returns with this card, there are a few details to which you should pay attention. If you’re someone who would prefer a more straightforward approach to earning rewards, you might want to check out the Citi Double Cash Card, which gives you a flat-rate of 2% cash back on all of your purchases.

Tara Mastroeni

Personal finance writer

Tara lives in Philadelphia, PA. Her work has also been published on LendingTree and Forbes. In her spare time, she enjoys hitting the gym.