$0
0% intro APR for 15 months on balance transfers from date of first transfer and on purchases from date of account opening
17.74% - 27.74% Variable
Earn 20,000 bonus points
Good to Excellent
- Citi rounds up rewards to the nearest 10 points on every purchase
- Long introductory APR on purchases and balance transfers
- No annual fee
- 2x earning at supermarkets and gas stations is capped at $6,000 in purchases per year
- Other Citi cards have welcome bonuses that are more generous
- Foreign transaction fees
The Citi Rewards+® Card has a unique earning structure and is worth considering if you're looking for a flexible rewards card with no annual fee. However, if you prefer cash back, there are better options that have the potential to earn higher rewards.
Citi Rewards+® CardCiti Rewards+ Card Overview
The Citi Rewards+® Card has a unique way of earning points, an annual points rebate, and a welcome bonus offer of 20,000 bonus points after spending $1,500 in the first three months of account opening. That's worth $250 in gift cards, and there are other options for redeeming rewards, like travel and merchandise.
You'll earn 5 total ThankYou® Points per dollar spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through December 31, 2025, 2x Citi ThankYou points at supermarkets and gas stations for the first $6,000 each year (then 1x), and 1 point per dollar on all other purchases. The points you earn for every purchase automatically round up to the nearest 10 points, and you'll get back 10% of the first 100,000 points you redeem per calendar year.
This is the only card that offers both the round-up and rebate features, which makes it a standout, especially among no-annual-fee cards. The rewards system makes it ideal for small purchases, and because it's a ThankYou card, you can pair it to "share" the benefits with other ThankYou cards, like the Citi Strata Premier℠ Card .
For example, if you also have the Citi Strata Premier℠ Card or Citi Prestige® Card (no longer available to new applicants), you unlock transfers to Citi ThankYou travel partners and still earn a 10% rebate on your redeemed points. That makes this card ideal for pairing, which is where it really shines.
On its own, you're limited to redeeming your points for gift cards or travel booked through the Citi ThankYou travel portal, statement credits, merchandise, or transferring to a handful of partners (JetBlue, Choice Privileges, and Wyndham). You can also trade in your points for cash back, but at a reduced rate of 0.5 cents per point.
If you're just looking for a strong cash-back credit card, consider the Chase Freedom Unlimited®. You'll earn 5% cash back (5x points) on travel booked through Chase Travel℠, 3% back (3x points) on dining and at drugstores, and 1.5% back (1.5x points) on all other purchases with no limit to how many points you can earn. You can redeem your points for cash back, toward travel with the Chase Ultimate Rewards ® travel portal, or gift cards. There's no annual fee and a welcome bonus offer of $250 bonus after you spend $500 on purchases in the first three months from account opening.
The Blue Cash Everyday® Card from American Express is another solid option, and it earns 3% cash back on groceries at U.S. supermarkets on up to $6,000 per calendar year in purchases (then 1%), 3% cash back on gas at U.S. gas stations on up to $6,000 per calendar year in purchases (then 1%), 3% cash back on online retail purchases on up to $6,000 per calendar year in purchases (then 1%), and 1% back on all other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit). The welcome bonus offer is $200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership. Like the Citi Rewards+® Card, it also has no annual fee. The bonus categories easily compete with the Citi Rewards+® Card, and cash back is earned as automatic statement credits.
Citi Rewards+ Card Rewards
Citi Rewards+ Welcome Bonus Offer
The Citi Rewards+® Card is offering an elevated bonus of 20,000 bonus points after spending $1,500 in the first three months of account opening for a limited time. When you cash in your points for gift cards or travel booked through the Citi portal, you can get a value of $250 from this offer. That's a solid deal for a card with no annual fee.
How to Earn Points With the Citi Rewards+ Card
The Citi Rewards+® Card earns 5x Citi ThankYou points on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through December 31, 2025, and 2x Citi ThankYou points per dollar spent at supermarkets and gas stations on the first $6,000 spent in the combined categories each year (then 1x). You'll also earn 1 point per dollar on all other purchases. All the points you earn are rounded up to the nearest 10-point increment, which is a benefit unique to the Citi Rewards+® Card.
For example, if you spend $21 on gas, you'll earn 42 points (at 2 points per dollar) which will round up to 50 points. Or if you spend $3 on a coffee, you'll earn 10 points. There's no cap on the number of points that are rounded up. Because of this benefit, the Citi Rewards+® Card is one of the best credit cards to use for everyday small purchases.
How to Use Points From the Citi Rewards+ Card
When you're ready to redeem your Citi ThankYou points, you can use them to purchase gift cards at a variety of popular merchants or to book travel through the Citi ThankYou Travel portal at a rate of 1 cent per point. Or you can use them to pay for purchases at Amazon, Best Buy, and other retailers, though this isn't a great value because your points are worth 0.8 cents each when you redeem them this way.
Citi also lets you redeem points for statement credits toward eligible purchases in select categories, but each point is worth half a cent, making it the worst redemption option.
Another way to use your points is to transfer them to your JetBlue, Choice Privileges, or Wyndham account. You can redeem 1,000 Citi ThankYou points for 800 JetBlue miles, 1,500 Choice points, or 800 Wyndham points, but can only redeem in 1,000-point increments. This can be helpful if you need additional miles or points to book an award trip.
No matter how you choose to redeem your points, you'll get a 10% rebate on all redeemed points each year, up to the first 100,000 redeemed points. That maximum translates to a rebate of up to 10,000 points per year and adds slightly more value to your points. For example, if you redeem 20,000 points, you'll get 2,000 points back — up to your annual limit of 10,000 points returned as a rebate.
Even better, you can pair this card with other Citi ThankYou cards to "share" benefits. For example, when you have the Citi Strata Premier℠ Card and Citi Rewards+® Card, you can pool your points to unlock the ability to transfer to the full list of Citi's travel partners — and receive the 10% points rebate (up to your annual limit). Because of this, the Citi Rewards+® Card is a good one to include in your own version of the Citi trifecta of cards, perhaps by replacing another card — or even adding to it for a "quadfecta." After all, the 10% points rebate can be valuable if you redeem lots of Citi ThankYou points each year.
Citi Rewards+ Card Benefits
Introductory 0% APR offer
New Citi Rewards+® Card cardholders get a 0% intro APR for 15 months on balance transfers from date of first transfer and on purchases from date of account opening (then a 17.74% - 27.74% Variable APR). If you have a big purchase to make or other debt you want to pay off over time, zero-interest credit cards like this good way to save on interest — as long as you have the means and a plan to pay off the balance before the promotional period expires.
For balance transfers, you'll have an intro balance transfer offer of 3% for every transfer (minimum $5) if completed in the first four months of account opening and then the fee is $5 or 5% of the amount you transfer, whichever is greater.
Citi Entertainment Event Access
The Citi Rewards+® Card grants you special access to ticket pre-sales to concerts, sports events, dining experiences, and more.
Fraud Early Warning and ID Theft Protection
Cardholders can receive alerts as a text, email, or phone call if Citi detects early signs of fraud on their account. You can also enroll in the ID theft protection program for monitoring and alerts if suspicious activity is found in conjunction with your credit report, credit accounts, or identity. This service also monitors the dark web for suspicious activity related to your Social Security Number and identity.
$0 Liability on Unauthorized Charges
You won't be responsible for unauthorized charges, which Citi defines as charges which were not made by you or anyone allowed to use your account. This feature protects you in the event that your card is lost or stolen.
Virtual Account Numbers
Citi allows you to generate a random Citi card number to use when you shop online. This makes your actual card number virtually impossible to steal. All the purchases you make with virtual account numbers will still show up on your billing statement, along with the card number that was used for each transaction.
Citi Quick Lock
You'll have the ability to easily and instantly lock your card if your card is lost or stolen, or if you temporarily misplace it. This can prevent unauthorized charges until you find your card or get a replacement.
Credit Report Alerts
You'll receive alerts when information on your Experian or TransUnion credit report changes, like new account inquiries, address changes, or credit score updates.
Citi Rewards+ Card Annual Fee and Other Costs
The Citi Rewards+® Card doesn't have an annual fee, which means it's free to keep year after year. However, you'll want to avoid carrying a balance, because you'll pay interest (currently a 17.74% - 27.74% Variable APR).
Other fees apply in certain situations, including:
- Foreign transaction fee (if you're traveling abroad, pack one of the best credit cards with no foreign transaction fees instead)
- Balance transfer fee
- Cash advance fee
How the Citi Rewards+ Card Compares
| Citi Rewards+® Card | Chase Freedom Flex® | Wells Fargo Active Cash® Card | |
| Annual fee | $0 | $0 | $0 |
| Rewards rate | 5x points on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through December 31, 20252x points at supermarkets and gas stations*1 point per dollar on everything else | 5% cash back (5x points) on travel purchased through Chase Travel℠5% cash back (5x points) on up to $1,500 in purchases each quarter in rotating bonus categories when you activate3% cash back (3x points) on dining and drugstore purchases1% cash back (1x points) on everything else | 2% cash rewards on all purchases |
| Welcome bonus offer | 20,000 bonus points after spending $1,500 in the first three months of account opening | $200 bonus after you spend $500 on purchases in the first three months from account opening | $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening |
| Card benefits | Access to Citi Entertainment | Cell phone protectionCar rental insurance (secondary in the US, primary otherwise)Trip cancellation/interruption insurancePurchase protectionExtended warrantyTravel and emergency assistance services | Cell phone protectionVisa Signature® ConciergeRoadside dispatchTravel and emergency assistance servicesEmergency cash disbursement and card replacementAccess to the Visa Signature Hotel Collection |
| Introductory 0% APR offer | 0% intro APR for 15 months on balance transfers from date of first transfer and on purchases from date of account opening (then a 17.74% - 27.74% Variable APR) | 0% intro APR on purchases and balance transfers for the first 15 months (then a 18.99% - 28.49% Variable APR) | 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening (then a 19.24%, 24.24%, or 29.24% variable APR) |
| Review | Chase Freedom Flex credit card review | Wells Fargo Active Cash card review |
*2x points at supermarkets and gas stations on the Citi Rewards+® Card on up to $6,000 per year in spending, then 1x
Citi Rewards+ Card Tips
What credit score do I need to be approved for the Citi Rewards+ card?
To be considered for the Citi Rewards+® Card, you'll need at least a good credit score — that is, a FICO score of 670 or higher.
Is the Citi Rewards+ card worth it?
If your main goal is to earn lots of Citi ThankYou points, you'll likely want to give the Citi Rewards+® Card a skip and instead opt for something like the Citi® Double Cash Card (earn 1 point per dollar when you buy, and 1 point when you pay) or Citi Custom Cash℠ Card (earn up to 5x points). However, if your plan is to pair the Citi Rewards+® Card with other Citi cards, it can be a valuable addition to your wallet — particularly if you take advantage of the round-up feature and 10% points rebate.
Is the Citi Rewards+ a Visa or Mastercard?
The Citi Rewards+® Card is a Mastercard credit card.
How do I redeem rewards on the Citi Rewards+ Card?
You can redeem rewards earned on the Citi Rewards+ Card for travel through the Citi Travel portal, for gift cards, or to pay for purchases at retailers such as Amazon. You can also redeem rewards for statement credits to cover purchases made with your card, or transfer them to JetBlue, Choice Privileges, or Wyndham to book hotel award stays. If you have another Citi card, you can also pool your points for more valuable redemptions.
Why You Should Trust Us: How We Reviewed the Citi Rewards+ Card
Insider's credit card experts compared the Citi Rewards+® Card to competing no-annual-fee cash-back credit cards. We assessed several factors, including:
- Ease of use — Is the card's rewards program straightforward, and are points easy to earn and redeem? Are there lots of hoops to jump through?
- Rewards earning potential — Are the card's earning rates competitive with similar cards? If there are bonus categories, are they useful to most consumers, and are any limited to a maximum amount of spending?
- Benefits — No-annual-fee cards aren't normally loaded with upscale benefits, but does the card come with perks or unique features that make it stand out?
- Annual fee — For cards with an annual fee, is it worth paying for the rewards and benefits you receive?
Check out Insider's methodology in our guide to how we rate credit cards.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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