Updated: August 7, 2019

Citi just launched a new credit card that earns points on your everyday purchases and offers some unique perks! The Citi Rewards+ Card (a NextAdvisor advertiser) kicks things off with a 15,000-point bonus when cardholders spend $1,000 on purchases in the first 3 months of account opening! That bonus is worth $150 when it’s redeemed for a gift card via thankyou.com. On top of that, cardholders will earn 2X points at supermarkets and gas stations (up to $6,000/year in purchases, then it’s 1X), as well as 1X points on all other purchases.

On top of that, the card has no annual fee and offers a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum). These rewards and perks are impressive, but they’re not all the Citi Rewards+ Card, which is available to those with good to excellent credit (often considered a credit score of 700 or higher), has to offer. Keep reading as we detail two unique perks that make this card stand out from the competition.

What makes the Citi Rewards+ Card so special?

Citi Rewards+ Card
  • Earn 15,000 bonus points after spending $1,000 on purchases in the first 3 months of account opening.
  • Earn 2X points at supermarkets and gas stations (up to $6,000/year, then it’s 1X back).
  • Earn 1X points on all other purchases.
  • Citi automatically rounds points up to the nearest 10 points on every purchase (with no cap).
  • Get a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum)
  • Pay no annual fee.
  • Get 10% points back when you redeem your points (up to 100,000 points redeemed/year).

The Citi Rewards+ Card automatically rounds up every purchase to the nearest 10 points — with no cap! Here’s how it works: if you make a $1.50 purchase at a hardware store, you’d normally earn 1.5 points, but with the Citi Rewards+ Card rounding perk, you’ll earn 10 points on that $1.50 purchase. This rounding perk also applies to the 2X category purchases. This means if you spend $272 at the supermarket, instead of earning just 544 points on the purchase (what you’d earn with 2X back), you’ll get a total of 550 points back for that purchase. As you can see, these extra points can really add up, which is one of the reasons why we love this card.

In addition to that, the Citi Rewards+ Card offers a 10% redemption bonus (up to 100,000 points you redeem/year). This means when you redeem points, you’ll earn 10% of those points back that you can use at the end of your next billing cycle. For example, if you redeem 5,000 points, you’ll get 500 points to use in the next billing cycle. With this redemption bonus, you’re essentially getting rewarded for redeeming your points. Any points earned with the Citi Rewards+ Card can be redeemed for gift cards to popular stores via thankyou.com or used to shop at Amazon.com or BestBuy.com. Points can also be redeemed for merchandise and travel, or transferred to one of Citi’s airline or retail partner programs.

There’s also a student version

College students who want to build credit and get some impressive rewards should check out the Citi Rewards+ Student Card. This card comes with a 2,500-point intro bonus  — worth a $25 gift card when it’s redeemed via thankyou.com — that you’ll earn after spending $500 on purchases in the first 3 months from account opening. Additionally, it earns 2X points at supermarkets and gas stations (up to $6,000/year in purchases, then it’s 1X points back) and 1X points on all other purchases. Like its sister card, the Citi Rewards+ Student Card automatically rounds up every purchase to the nearest 10 points and has no annual fee. Cardholders will also earn 10% bonus points (up to 100,000 points redeemed/year) for redeeming their points — the 10% bonus points can be redeemed at the end of the next billing cycle. As if that isn’t enough, the Citi Rewards+ Student Card has a 7-month 0% intro APR on purchases. That said, unlike most of the other student credit cards we review, this card requires good to excellent credit for approval (usually considered a credit score of 700 or higher), which means first-time credit card applicants will likely need a cosigner.

Other things to consider

The Citi Rewards+ Card is a well-rounded credit card, but there is one aspect that some cardholders may find unappealing: 2X points back isn’t that impressive. If you’re looking to earn a bit more and don’t mind losing the 10-point round up as well as the 10% redemption bonus, consider the Bank of America Cash Rewards credit card. This card earns 3% cash back on the category of your choice (with 6 to choose from), 2% cash back at wholesale clubs and grocery stores (on up to $2,500/quarter on combined your choice category/wholesale club/grocery store purchases) as well as 1% cash back on all other purchases. The card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher) comes with a $200 online cash rewards bonus when cardholders spend $1,000 on purchases in the first 90 days. It also has no annual fee and a 15-billing cycle 0% intro APR on purchases and balance transfers made in the first 60 days (with a 3% balance transfer fee, $10 minimum).

Should you apply for the Citi Rewards+ Card?

If you want a well-rounded credit card that rewards you beyond your first year of ownership, the Citi Rewards+ Card is for you. Its intro bonus and ongoing rewards are impressive, but the card’s redemption bonus and the fact that it rounds all purchases to the nearest 10 points are what we love about it.

Visit our Citi Rewards+ Card review to learn more and apply online.

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 content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.