Citi Rewards+® Card Review: Maximizing Every Penny

Citi Rewards+: Rounds up points on small buys, ideal for everyday purchases.

Citi Rewards+® Card Review: Maximizing Every Penny


  • Annual Fee: $0
  • APR: Variable 18.74%-28.74%
  • Sign-Up Bonus: Earn 20,000 bonus points after spending $1,500 in the first 3 months, redeemable for $200 in gift cards.
  • Rewards:
    • Earn 2 ThankYou® Points per $1 at supermarkets and gas stations (up to $6,000 annually, then 1X points).
    • Earn 1 ThankYou® Point per $1 on all other purchases.
    • Automatically rounds up to the nearest 10 points on every purchase.
  • Introductory Offers:
    • 0% Intro APR on balance transfers for 15 months from the first transfer and on purchases from account opening.


  • No Annual Fee: Cost-effective for all users.
  • Bonus Points: Generous points for everyday purchases like groceries and fuel.
  • Round-Up Feature: Maximizes rewards on small purchases by rounding up to the nearest 10 points.
  • Intro APR Period: Helps manage large purchases or balance transfers economically.


  • Spending Caps: Limits on bonus rewards at supermarkets and gas stations.
  • Complex Redemptions: Redeeming points can be less straightforward compared to other cards.
  • Foreign Transaction Fees: Not ideal for international use due to a 3% fee.

Product Summary

The Citi Rewards+® Card is a unique option for those who make frequent, small purchases, thanks to its round-up feature which ensures even minimal spends earn decent rewards. Ideal for consumers who frequent supermarkets and gas stations, this card offers a way to accumulate points quickly, which can be redeemed for gift cards, travel, and more. While the card provides an interesting approach to earning rewards, its full potential may be hindered by the cap on bonus categories and the complexity of redeeming points. However, with no annual fee and a helpful introductory APR period, it's a solid choice for budget-conscious consumers looking to get more from their credit card spending.

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