Citi Rewards+® Card Review: Rack Up Points on Small Purchases

Citi Rewards+<sup>®</sup> Card Review: Rack Up Points on Small Purchases loading="lazy"

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The Citi Rewards+® Card isn't a rewards powerhouse, but its annual points bonuses and an introductory 0% APR promotion to maximize savings on interest could make it worth your while. Also, Citi will round up your rewards to the nearest 10 points on every purchase, making everyday spending worth much more.

Here's what you need to know about the Citi Rewards+® Card if you're thinking about adding it to your wallet.


on Citi Credit Cards's website

Good - Exceptional


13.49% - 23.49% (Variable)

Intro APR

0% for 15 months on Purchases and Balance Transfers


2X points on Supermarkets & Gas Stations

1X points on All Other Purchases

Intro Bonus

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at

Annual Fee


Card Details
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Rates and Fees

Rounds up points earned to the nearest 10 pointsSpending cap on bonus rewards
Offers a 10% points rebate annuallyComplicated rewards structure
Allows point transfers to JetBlue for more redemption optionsForeign transaction fees
Customer service contact info for Citibank

Citibank Customer Service


P.O. Box 6500
Sioux Falls, SD 57117

Experian Review

The Citi Rewards+® Card from our partner has a complicated rewards structure, but it could work for someone who spends a lot on groceries and gas and also makes small purchases on the regular. The card's modest introductory points offer and 0% APR promotion also add some upfront value.

The spending cap on bonus categories may limit this card's appeal for cardholders with big budgets, however. Also, the rewards rates on their own don't stack up well against competing everyday credit cards.

As you review the card's features, consider your spending habits and how much complexity you want with your credit card rewards.

0% Intro APR and No Annual Fee

The card's major perks include an introductory 0% APR promotion and its lack of an annual fee. You'll pay no interest on purchases and balance transfers for 15 months; balance transfers must be made within four months of opening your account. That gives you plenty of time to pay off a large purchase or a balance from another card interest-free. After that, the standard rate of 13.49% to 23.49% will apply. While other cards may offer bigger intro rewards offers, the interest savings from this feature could be worth hundreds of dollars.

For example, let's say you use the card to finance $5,000 worth of home renovations. If you were to do it with a card with no 0% APR promotion and a 17% interest rate, you'd have to pay roughly $372 per month to eliminate the debt in 15 months, and you'd pay $585 in interest over that time.

But with the Citi Rewards+® Card, your monthly payment would be about $333, and you'd pay no interest at all as long as you paid off the balance in full within 15 months.

If you're thinking of using the card for a balance transfer, keep in mind that it charges a balance transfer fee of 3% of the transfer amount, with a $5 minimum. This is a relatively common rate, but a few balance transfer cards don't charge the fee at all.

The card also charges a 3% transaction fee on purchases made abroad and a 5% cash advance fee ($10 minimum).

Earning Rewards Can Be Confusing

The card offers opportunities to earn a great rewards rate on smaller purchases, but the rewards program makes it difficult to determine exactly how much you're earning with each purchase.

One simple way to earn rewards is through the card's introductory bonus. You'll earn 15,000 bonus points if you spend $1,000 in your first 3 months with the card.

At a basic level, you'll earn 2 points per dollar on up to $6,000 spent annually at supermarkets and gas stations and 1 point per dollar on everything else. But that's not all—Citi will round up to the nearest 10 points on every purchase you make.

So, for example, if you spend $62 on gas, you'll earn 130 points instead of 124. This feature can be especially useful for small purchases. If you spend $1 on a candy bar at a supermarket, for instance, you'll actually earn 10 points on that purchase instead of just 2.

In addition to the roundup feature, the card also gives you a 10% rebate on the first 100,000 points you redeem every year. So if you earn and redeem 50,000 points in a year, you'll get 5,000 points back at the end of the period.

Between the roundup feature and the annual points rebate, you could be getting more than just 2 points per dollar at supermarkets and gas stations and 1 point per dollar everywhere else. However, the complicated setup makes it challenging to compare without doing some hard math.

Ample Ways to Redeem Your Points

The Citi Rewards+® Card offers several redemption options to cardholders, giving you a lot of flexibility.

Options include gift cards, travel, cash back, statement credits and online shopping at You can also transfer your points to JetBlue at a 5:4 ratio—1,000 ThankYou Rewards points convert to 800 TrueBlue points—which can allow you to squeeze more value out of your rewards.

Note that your point value can vary depending on which redemption option you choose. With cash back and gift cards, for instance, you'll generally get 1 cent per point; with online shopping, points are worth about 0.8 cents apiece.

JetBlue points are worth roughly 1.68 cents each on average, according to RewardStock. So if you transfer 1,000 points to get 800 TrueBlue points, they'll be worth $13.44, which beats the maximum of $10 if you redeem them directly with Citi. But that's just an average value, and your TrueBlue points may be worth more or less, depending on how and when you redeem them.

Contactless Pay and Other Tech Features Make It Easy to Shop

The Citi Rewards+® Card is a contactless credit card, which means you just have to tap your card to a contactless card reader instead of inserting or swiping it.

This feature provides the same level of security as your card's EMV chip but works more quickly. If you don't want to carry the card around, you can also add it to your phone's digital wallet.

The card comes with access to Citi Entertainment, a platform that provides special access to purchase presale tickets and exclusive experiences. Events include concerts, dining experiences, sporting events and more.

The Citi mobile app comes with several features, including:

  • Quick Lock, which allows you to lock your account if you've misplaced your card and want to prevent someone from using it without your permission
  • Snapshot, which lets you view key account information, such as your balance, without logging into your account
  • The ability to request a replacement card if you've lost yours and can't find it
  • Complimentary access to your FICO® Score

You can also make payments and dispute transactions directly from the app.

Additional Info

Purchase APR: 0% for 15 months, then 13.49% - 23.49% (Variable), based on your creditworthinessGrace Period: 23 days
Transfer APR: 0.00% for 15 months, then 13.49% - 23.49% (Variable), based on your creditworthinessAnnual Fee: $0
Cash Advance APR: 25.24% (Variable)Balance Transfer Fee: 3% of the transfer amount ($5 minimum)
Minimum Interest Charge: $0.50Cash Advance Fee: 5% of the advance amount ($10 minimum)
Foreign Transaction Fee: 3%
Late Payment Fee: Up to $40
Returned Payment Fee: Up to $40

Authorized-User Policy

The Citi authorized-user policy allows you to add other cardholders to your account at no additional cost. Authorized users can:

  • Make charges on the account
  • Make payments
  • Report lost or stolen cards
  • Request copies of account statements
  • File billing disputes
  • Request refund checks
  • Change the billing address on the account
  • Gain access to account information

Keep in mind, though, that as the primary account holder, you're responsible for all the transactions made on the account, including those made by an authorized user.

Is This Card Right for You?

The Citi Rewards+® Card offers some decent benefits, and if you tend to use a credit card for a lot of small-dollar purchases, the card's roundup feature can make it worthwhile. But several other cards offer better rewards rates on supermarket and gas station spending. The card's intro points offer and intro 0% APR promotion are pretty solid, but they aren't unique.

Before you apply for this or any other credit card, it's important to take some time to shop around and compare several options to make sure you have the right fit. Take a look at your spending habits over the last few months to get an idea of what you might earn with this and other cards, and pick the one that gives you the most bang for your buck.