Citi Rewards+® Card overview
The Citi Rewards+® Card is a no-annual-fee card that gives 2 factors per greenback at gasoline stations and grocery shops, on as much as $6,000 per 12 months (and 1 level per greenback thereafter), in addition to two comparatively distinctive options. First, it rounds the earnings on all purchases as much as the closest 10 factors. Second, it offers you 10% again on the primary 100,000 factors you redeem yearly. Card ranking*: ⭐⭐⭐½
* Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Citi Rewards+ Card is exclusive in that earnings on all purchases are rounded as much as the closest 10 factors. However there are additionally different facets to the cardboard that may be helpful to pick out cardholders — and it additionally simply added a brand new piece to its welcome bonus.
The Citi Rewards+ Card is nice in the event you make many small purchases as a result of every buy shall be rounded to the closest 10 factors. Even a 50-cent pack of gum will earn 10 factors.
Most cardholders will get probably the most worth from their factors by redeeming them for reward playing cards at a price of 1 cent per level. However your rewards can turn out to be much more useful in the event you even have the Citi Status® Card (not out there to new candidates) or Citi Premier® Card.
You possibly can mix the ThankYou Rewards factors earned in your Citi Rewards+ account with these from the Citi Premier or Citi Status after which switch them to the ThankYou Rewards program’s 16 airline and two lodge companions.
The data for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
This card has no annual price.
Let’s take a better take a look at this card so you may determine whether or not it may very well be a useful addition to your pockets.
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Citi Rewards+ welcome supply
The Citi Rewards+ Card is providing a 20,000-point bonus after spending $1,500 within the first three months of account opening.
Nonetheless, the sign-up bonus isn’t out there in the event you’ve obtained a brand new cardmember bonus for any of the next playing cards — or in the event you’ve closed any of those accounts — up to now 24 months:
You possibly can redeem these 20,000 factors for $200 in reward playing cards. However in the event you even have the Citi Status or the Citi Premier, you may transfer factors out of your Rewards+ account to your Status or Premier account. Doing so permits you to switch your factors to airline companions, through which case the bonus is value $360, primarily based on TPG’s valuations.
Associated: Not touring for now? Find out how to maximize your reward factors on different redemptions
Incomes factors with the Citi Rewards+
The Citi Rewards+ Card usually earns 2 ThankYou factors per greenback spent at supermarkets and gasoline stations on the primary $6,000 per 12 months and 1 level per greenback thereafter. You’ll additionally earn 1 ThankYou level per greenback spent on all different eligible purchases.
Additionally, to coincide with the launch of Citi Journey with Reserving.com, Citi Rewards+ cardholders can earn as much as 5 factors per greenback on bookings within the portal by June 30, 2024.
Retailers should classify themselves as a grocery store or gasoline station so that you can earn 2 factors per greenback. So, on-line supermarkets, warehouse golf equipment, wholesale golf equipment, superstores, low cost shops, malls and comfort shops might not present this incomes price. The cardboard’s phrases and circumstances additionally explicitly exclude “gas bought for business functions or used for non-automobile functions” from incomes bonus factors, in addition to the next forms of retailers:
“Normal merchandise/low cost superstores, freezer/meat locker provisioners, dairy product shops, miscellaneous meals/comfort shops, markets, drugstores, warehouse golf equipment, wholesale golf equipment, specialty distributors, bakeries, sweet shops, nut shops, confectionery shops, and meal package supply providers.”
Nonetheless, past these customary accrual charges, one of many Citi Rewards+ Card‘s promoting factors is that each one incomes is rounded to the closest 10 factors. For example, you can buy a $3 espresso at a restaurant and earn 10 factors. Should you use your card at a grocery store and make $42 in purchases, your incomes could be 84 factors (because it’s a 2-point-per-dollar class), then rounded as much as the closest 10, which is 90 factors whole.
Clearly, this rounding may very well be exploited. Because of this, the cardboard’s phrases and circumstances explicitly prohibit “fraud, misuse, abuse, or suspicious exercise” that features “Utilizing your Card Accounts or Citibank Checking Account in an abusive method for the first goal of buying Factors.”
That mentioned, the Citi Rewards+ Card is completely designed for your whole bills that occur to be small. Certainly, all grocery store and gasoline station purchases of $5 and below and all different purchases of $10 and below will earn 10 factors. To maximise your incomes whereas spending usually, contemplate your threshold for utilizing the Citi Rewards+ Card in every spending class. This shall be primarily based on the opposite bank cards you’ve got.
For instance, let’s see how your incomes would stack up for some pattern purchases if in case you have the Citi Premier and the Citi Rewards+ (be aware that that is primarily based on customary incomes charges and doesn’t consider limited-time bonuses).
| Buy | Utilizing the Citi Premier | Utilizing the Citi Rewards+ |
|---|---|---|
| $2 espresso at a gasoline station. | 6 factors (3 factors per greenback). | 10 factors (2 factors per greenback, rounded up). |
| $16 of gasoline at a gasoline station. | 48 factors (3 factors per greenback). | 40 factors (2 factors per greenback, rounded up). |
| $2 espresso at a restaurant. | 6 factors (3 factors per greenback). | 10 factors (1 level per greenback, rounded up). |
| $6 burrito at a restaurant. | 18 factors (3 factors per greenback). | 10 factors (1 level per greenback, rounded up). |
| 50-cent pack of gum at a grocery retailer. | 1.5 factors (3 factors per greenback). | 10 factors (2 factors per greenback, rounded up). |
| $16 grocery retailer buy. | 48 factors (3 factors per greenback). | 40 factors (2 factors per greenback, rounded up). |
| 50-cent public transit ticket. | 0.5 factors (3 factors per greenback). | 10 factors (1 level per greenback, rounded up). |
| $4 public transit ticket. | 4 factors (1 level per greenback). | 10 factors (1 level per greenback, rounded up). |
So, in the event you solely have the Citi Premier and the Citi Rewards+, you’ll all the time wish to use the Premier for grocery and most restaurant purchases. For all different classes, you’ll wish to use the Rewards+ for small purchases and the Premier for bigger purchases — you simply want to seek out the break-even level for every spending class.
Associated: The very best cash-back bank cards for every bonus class
Redeeming factors with the Citi Rewards+
The factors earned by the Citi Rewards+ Card are thought-about “fundamental” Citi ThankYou factors that you would be able to redeem at Amazon or Finest Purchase for purchases at lower than 1 cent every. Alternatively, redeeming reward playing cards at 1 cent every is a greater possibility.
As well as, whenever you redeem your factors, you’ll obtain 10% factors again for the primary 100,000 factors redeemed per calendar 12 months. Because of this in the event you redeem 10,000 factors in a 12 months, you’ll obtain 1,000 of these factors again.
However in the event you even have the Citi Status or the Citi Premier, you may transfer factors out of your Citi Rewards+ account to your Status or Premier account and switch them to companions resembling Avianca LifeMiles and Etihad Visitor. This will increase the worth of the factors you earn with the Citi Rewards+ from 1 cent every to roughly 1.8 cents every.
Associated: Find out how to redeem Citi ThankYou Factors for max worth
Citi Rewards+ advantages
Being a no-annual-fee card, the Citi Rewards+ Card doesn’t supply many perks. Its predominant attraction is the way it accrues factors (which we’ll cowl in a second).
Nonetheless, the cardboard is about up for contactless cost in an effort to faucet and go. You’ll additionally get entry to Citi Concierge and Citi Leisure, each of which might present helpful help.
You received’t wish to use the Citi Rewards+ Card when touring overseas because the card levies a 3% overseas transaction price.
Associated: The very best no-annual-fee bank cards
Which playing cards compete with the Citi Rewards+?
No different playing cards spherical up your earnings to the closest 10 factors or offer you a blanket rebate on the factors you redeem, so there’s no direct competitor. However, the Citi Rewards+ Card ought to be in contrast towards different no-annual-fee bank cards.
- In order for you an Amex card: The Amex EveryDay Credit score Card from American Specific is probably probably the most much like the Citi Rewards+ Card as a result of it accrues 2 factors per greenback on the primary $6,000 you spend at U.S. supermarkets annually (then 1 level). Plus, the cardboard rewards making a minimum of 20 transactions in a month with a 20% factors bonus, so that you’ll most likely be making a lot of small purchases with both card. For extra info, learn our full evaluation of the Amex EveryDay. The data for the Amex EveryDay card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
- When you’ve got a Chase Sapphire card: The Chase Freedom Limitless is a strong card that earns 1.5% money again on most purchases in the event you don’t have a full-fledged Chase Final Rewards card just like the Chase Sapphire Reserve or Chase Sapphire Most well-liked Card. However if in case you have certainly one of these Final Rewards playing cards, utilizing the cardboard is like incomes 1.5 Final Rewards factors per greenback spent on most eligible purchases, since you may mix your factors with these out of your different card. It additionally options a number of bonus classes, together with 5% again on journey bought by Chase Final Rewards and three% on eating and drugstore purchases, drastically enhancing your potential return. For extra info, learn our full evaluation of the Freedom Limitless.
- In order for you simplicity: The Citi Double Money Card gives 2% money again on all purchases — 1% whenever you purchase and 1% as you repay your assertion. Cardholders may also convert money again to ThankYou factors by way of a linked ThankYou account. Nonetheless, in the event you can maximize your bonus class spending and the 10-point round-up with the Citi Rewards+, although, it would nonetheless be a greater card on your wants. For extra info, learn our full evaluation of the Citi Double Money.
For added choices, try our full listing of no-annual-fee playing cards.
Learn extra: Why it is best to double down with the Citi Premier and Citi Rewards+
Is the Citi Rewards+ value it?
The Citi Rewards+ Card could be a good selection in the event you make small purchases often or profit from a ten% return on redeemed factors, particularly if in case you have a Citi Status or Citi Premier that may increase the worth of the ThankYou factors earned by the Rewards+ Card. I wouldn’t suggest it as your sole bank card, although.
Backside line
Whereas the Citi Rewards+ provides some issues, different playing cards with no annual price present that uncapped bonus incomes within the grocery store or gasoline classes (or each) or higher incomes on on a regular basis spending.
Apply right here for the Citi Rewards+ Card with a 20,000-point sign-up bonus after you spend $1,500 on purchases along with your card inside the first three months of account opening.
Extra reporting by Ryan Wilcox and Joseph Hostetler.
