Citi Rewards+® Card Review: A Unique Rewards Card for Everyday Spending

The Citi Rewards+® Card is a refreshing addition to Citi’s lineup of credit cards, offering a mix of flexibility, everyday value, and unique features. With no annual fee, a generous welcome bonus, and an innovative points round-up feature, this card stands out as an ideal choice for those looking to earn rewards on everyday purchases.

This review dives deep into the Citi Rewards+® Card’s benefits, features, and potential drawbacks, providing you with a comprehensive understanding of why this card might be the perfect fit for your wallet.

Key Features of the Citi Rewards+® Card

1. Generous Welcome Bonus
   New cardholders can earn 20,000 ThankYou® Points after spending $1,500 in purchases within the first 3 months of account opening. These points are redeemable for $200 in gift cards or travel rewards.
2. Special Travel Offer
   Earn 5X ThankYou® Points per $1 spent on hotel stays, car rentals, and attractions booked through CitiTravel.com through December 31, 2025. This limited-time benefit is perfect for frequent travelers.
3. Rewards on Everyday Purchases
   • 2X Points at supermarkets and gas stations for the first $6,000 spent annually (then 1X points thereafter).
   • 1X Points on all other purchases.
4. Round-Up Points Feature
   Citi’s exclusive round-up feature automatically rounds up every purchase to the nearest 10 points. For example, a $2 coffee earns 10 points, and a $13 lunch earns 20 points. This ensures you’re maximizing your rewards on every transaction, no matter how small.
5. 10% Points Back
   Redeem your points and get 10% back on the first 100,000 points redeemed per year. For example, redeem 50,000 points for travel, and you’ll get 5,000 points back—boosting your overall earning potential.
6. No Expiration on Points
   Your ThankYou® Points don’t expire as long as your account remains open, making it easier to save points for larger rewards.
7. Introductory APR
   Enjoy a 0% Intro APR for 15 months on purchases and balance transfers. After that, a variable APR of 17.99% to 27.99% applies based on creditworthiness. This feature is great for consolidating debt or financing big purchases.
8. No Annual Fee
   One of the most appealing aspects of this card is that it charges no annual fee, keeping it simple and affordable to use.

Pros and Cons of the Citi Rewards+® Card

Pros

• Enhanced Earning on Small Purchases: The round-up feature makes every purchase more rewarding, especially small transactions.
• Strong Travel Benefits: The 5X points on CitiTravel bookings can add up significantly for frequent travelers.
• No Cap on Points: Earn unlimited points on purchases, with no expiration.
• 10% Points Back: Boosts the value of your rewards redemptions, particularly for large redemptions.
• No Annual Fee: Cost-effective for casual users and rewards enthusiasts alike.

Cons

• Limited Bonus Categories: The 2X points are restricted to supermarkets and gas stations, and other spending categories only earn 1X.
• Balance Transfer Fee: A 3% fee applies to transfers made within the first 4 months, increasing to 5% thereafter.
• Foreign Transaction Fee: A 3% fee applies on purchases made outside the U.S., making it less suitable for international travelers.

Who Should Consider the Citi Rewards+® Card?

This card is perfect for:

• Everyday Spenders: If you frequently shop for groceries or gas, the 2X points category can help you rack up rewards quickly.
• Budget-Conscious Consumers: The no-annual-fee structure ensures the card remains cost-effective.
• Travel Enthusiasts: The 5X travel rewards promotion and redemption options make this a good fit for occasional travelers.
• Small Purchasers: The round-up feature is a game-changer for those who make frequent small purchases.

How It Compares to Other Citi Cards

The Citi Rewards+® Card is the best fit for cardholders who want to earn on small purchases while enjoying a simple, no-fee rewards structure.

Final Verdict

The Citi Rewards+® Card is a strong contender for everyday spending, especially for those who value simplicity and unique rewards features like the round-up option. It’s particularly attractive for individuals looking for a no-annual-fee card that delivers steady rewards on groceries and gas while offering solid travel perks for occasional trips.

While it’s not ideal for international spending due to its foreign transaction fee, the Citi Rewards+® Card delivers excellent value for most users. Whether you’re building up points for a dream vacation or just looking for a reliable rewards card for everyday expenses, this card is worth considering.