Citi Rewards+ Card Review

Our Detailed Review of This Card

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The Citi Rewards+ Card (a NextAdvisor advertiser) features such a wide array of benefits that it's easy to visualize its place in your wallet. We're talking 0% intro APR periods on purchases and balance transfers, a nice intro bonus points offer, rewards for spending in categories you're sure to use, no annual fee and a unique feature that rounds your earned points to the nearest 10 points on every purchase.

To start, you'll earn 15,000 bonus points when you spend $1,000 on purchases in the first 3 months of account opening. When you redeem that bonus for gift cards at thankyou.com, that's like a $150 bonus for the first $1,000 you spend. Plus, you'll get an extra 10% of the points you redeem back (on the first 100,000 points redeemed per year) that you can redeem at the end of your next billing cycle. And, you'll get a 12-month 0% intro APR on purchases, which means you won't pay interest if you carry a balance. You can even transfer your balance from another card with higher APR and enjoy a 12-month 0% APR on your balance transfer (with a 3% balance transfer fee, $5 minimum).

While these perks make the first year worthwhile, the card's ongoing rewards make it one you'll want to keep in your wallet for years to come. That's because you'll earn 2X points at supermarkets and gas stations (up to $6,000/year, then 1X points), 1X points on all other purchases. Not to mention the fact that you'll receive special access to exclusive tickets for thousands of events, complimentary movie screenings and more through Citi Private Pass.

As if those rewards and benefits weren't enough, you'll also benefit from a very novel rounding feature. The Citi Rewards+ Card automatically rounds up to the nearest 10 points on every purchase. For example, if you make a small purchase, like a $1.95 cup of coffee, which at 1X point per $1 spent would be 1.95 points, your points will round to the nearest 10 points and you'll earn 10 points on that purchase. A slightly larger purchase, like a $12.75 lunch, which at 1X point per $1 would be 12.75 points, will round up to 20 points. The rounding even works with the 2X categories, so if you fill up your gas tank for $57.75, which at 2X points per $1 spent would be 115.5 points, your points will automatically be rounded and you'll get 120 points back. Plus, you'll pay no annual fee and the card is available to those with good to excellent credit (generally considered a credit score of 700 or higher).

Rewards

  • 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 thankyou.com.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X on All Other Purchases.
  • Points automatically round up to the nearest 10 points on every purchase — with no cap.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year.

Redeem Rewards
  • Redeem points for gift cards to popular stores, to shop online at Amazon.com or BestBuy.com, for travel, for charitable donations, toward mortgages or student loans, as a statement credit to cover recent purchases in eligible categories and more.
  • 2,500 points are redeemable for a $25 gift card.
  • There is no limit to the amount of points you can redeem per year.

Fees and APR
  • Annual Fee: $0
  • Foreign Transaction Fee: 3% of purchase amount.
  • Purchase APR: 0% 0% intro APR on Purchases for 12 months, then 15.74% - 25.74% (Variable).
  • Balance Transfer APR: 0% intro APR on Balance Transfers for 12 months, then 15.74% - 25.74% (Variable).
  • Balance Transfer Fee: 3% of each balance transfer; $5 minimum.
  • *Additional details can be found on the Citi landing page.


  • Apply for a Citi Rewards+ Card

    Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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