Citi Rewards+® Card Review

Citi Rewards+: Ideal for small purchases with round-up rewards, $0 annual fee.

Citi Rewards+® Card Review

Citi Rewards+® Card


  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year, then 1X
  • Earn 1X ThankYou® Points on All Other Purchases
  • Earn 20,000 bonus points after you spend $1,500 in purchases within 3 months of account opening
  • Special offer: Earn a total of 5X ThankYou® Points per $1 spent on hotel, car rentals, and attractions booked on through December 31, 2025
  • Round up to the nearest 10 points on every purchase
  • Get 10% of your redeemed points back each year (for the first 100,000 points redeemed annually)
  • No annual fee


  • Lucrative earning potential with 2X points at supermarkets and gas stations
  • Round-up feature helps maximize rewards on small purchases
  • 10% points back on redemptions (up to 100,000 points per year) boosts value
  • Diverse redemption options, including gift cards, travel, and statement credits
  • Citi Entertainment access for presale tickets and exclusive experiences


  • The 3% foreign transaction fee makes it less suitable for international travel
  • Bonus rewards are capped at $6,000 in combined supermarket and gas station spending per year
  • Cannot directly transfer points to Citi's premium airline and hotel partners

Product Summary

The Citi Rewards+® Card offers a unique point-rounding feature that rounds up to the nearest 10 points on every purchase, which is ideal for maximizing rewards from small purchases. With a $0 annual fee and a generous introductory 0% APR period, it's suited for those who also plan to make large purchases or transfer balances. Additionally, the 10% points back on redemptions up to 100,000 points each year is an excellent perk for regular point redeemers. However, the benefits of high reward rates in bonus categories are capped at $6,000 annually, and the foreign transaction fees could deter international travelers.

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