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Last updated on Feb 27, 2020

Citi Rewards+ Card Review

A rewards card with multiple ways to earn extra rewards points ​
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Citi Rewards+ Card

  • Several ways to earn extra points
  • Solid introductory program
  • Slightly better APR than comparable cards
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How We Reviewed Citi Rewards+ Card

4 cards compared

7 features evaluated

20 hours researched

The Citi Rewards+ Card offers a strong rewards program, full of many ways to earn extra points on everyday purchases.

It’s a rare card that automatically rounds up every transaction to the nearest 10 points. So despite the general one-point-per-dollar standard, if you spend $12 on lunch, your 12 points automatically round up to 20 points.

You also earn double points at supermarkets and gas stations (up to $6,000 each year), plus 10% points back for the first 100,000 points you redeem each year.

The biggest potential drawback is the comparatively high fees. While there’s no annual fee, the additional expenses (like fees for foreign transactions, late payments, and cash advances) can be a hindrance.

Citi Rewards+ Card Overview

Rewards Rate: One point per dollar, every transaction rounds up to the nearest 10 points, 2X points at supermarkets and gas stations (for the first $6,000 per year and 10% points back for the first 100,000 points redeemed each year)

Sign-up Bonus: 15,000 bonus points if you spend $1,000 within the first three months

Annual Fee: $0

APR: 14.99% to 24.99% variable (0% introductory APR for the first 15 months)

Additional Fees:

  • Balance Transfer Fee: $5 or 3% (whichever is greater)
  • Foreign Transaction Fee: 3%

Recommended Credit Score: Citi doesn’t provide a recommended credit score for this card, but as with all rewards cards, you’re more likely to qualify if you have a fair amount of credit history and a good track record of managing credit responsibly.

Features:

  • Automatically rounds up to the nearest 10 points on every purchase
  • Earn 10% points back on the first 100,000 points you redeem each year
  • No annual fee
  • 0% APR for 15 months

Pros

  • Several ways to earn extra points
  • Solid introductory program
  • Slightly better APR than comparable cards

Cons

  • Comparatively high fees
  • Not suitable for those lacking good credit history

Who Should Get the Citi Rewards+ Card?

Best for: People who use their credit cards regularly for everyday purchases.
Not for: People who travel abroad frequently due to the 3% foreign transaction fee on all international purchases. This card is also not suited to consumers lacking credit history or having a history of late/missed payments.

Main Benefits

Several ways to earn extra points

In general, you earn one point per dollar spent. However, the Citi Rewards+ card offers several ways to earn additional points each year.

In addition to every transaction automatically rounding up to the nearest 10 points, you’ll also earn double points at gas stations and supermarkets for the first $6,000 per year. And you get an automatic 10% points back for the first 100,000 points you redeem each year.

Solid introductory program

The 0% APR for 15 months is an attractive offer, especially if you’re transferring a substantial balance from a high-interest credit card. After paying a 3% transfer fee, you’ll have 15 months to pay off your balance without incurring any interest charges.

Additionally, by spending just $1,000 in the first three months, you’ll earn 15,000 bonus points. Just take care not to let these generous terms cause you to overspend during the introductory period.

Slightly better rate than comparable cards

The variable APR (after the 15-month introductory period) falls somewhere between 14.99% and 24.99%, depending on your credit score. These rates are slightly better than the rates offered by comparable cards like the QuickSilver from Capital One, which ranges between 15.49% and 25.49%.

As with any credit card, your best bet is to pay your balance in full and on time each month to avoid interest charges entirely.

Possible Drawbacks

Comparatively high fees

While there’s no annual fee on the Citi Rewards+ Card, there are several other fees that come into play. For example, there’s a balance transfer fee of $5 or 3% (whichever is greater) if you choose to transfer your balance from another credit card.

There’s also a 3% foreign transaction fee, and the fee for late payments or returned payments is up to $40.

Not suitable for those lacking good credit history

As with most rewards cards, the Citi Rewards+ Card is not a good fit for people with limited, poor, or no credit history. Unfortunately, Citi doesn’t provide information on the minimum credit score required to qualify for this card, but it’s a safe assumption that you will need a fair credit score to qualify for this card with its rewards and lower-than-normal APR.

If you are still seeking a basic rewards credit card, we recommend looking into secured credit cards like the Discover it Secured.

The Competition

Citi Rewards+ Card
Bank of America® Cash Rewards credit card
Citi Double Cash Card
Capital One® Quicksilver® Cash Rewards Credit Card
Rewards Rate
  • 1 point per dollar
  • each transaction rounds up to the nearest 10 points
  • 2X points at gas stations and supermarkets for the first $6,000 per year
  • 10% points back for the first 100,000 points redeemed each year
  • 3% cash back on your pick of category (shopping, dining, gas, travel, online shopping, home improvement, or drug stores)
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all others
  • 1% cash back on purchases
  • plus another 1% cash back on payments for those purchases
  • 1.5% cash back on every purchase
  • Sign-up Bonus
    15,000 bonus points if you spend $1,000 within the first 3 months
    $200 cash reward after spending $1,000 in the first 90 days
    N/A
    $150 cash reward after spending $500 in the first 3 months
    Annual Fee
    $0
    $0
    $0
    $0
    APR
    14.99% to 24.99% variable (0% introductory APR for 15 months)
    15.49% to 25.49% variable (0% introductory APR for 15 billing cycles)
    15.49% to 25.49% variable (0% introductory APR for 18 months)
    15.49% to 25.24% variable

    All information accurate as of Feb. 8, 2020.

    Citi Rewards+ Card Compared to Bank of America Cash Rewards Credit Card

    At first glance, the Bank of America Cash Rewards credit card seems to offer better rewards with 3% cash back on a category that you choose, plus 2% cash back at wholesale clubs and grocery stores.

    However, these higher rates cap at $2,500 combined each quarter. After spending $2,500, each purchase goes back to 1% cash back.

    With Citi Rewards+ Card’s double points on the first $6,000 at supermarkets and gas stations, plus the automatic round up to the nearest 10 points and the 10% points back on the first 100,000 points redeemed each year, the rewards are likely comparable, depending on your unique spending habits.

    Bank of America offers a slightly better sign-up bonus ($200 cash back compared to Citi’s 15,000 bonus points, worth $150), but Citi offers a slightly better interest rate. If you expect to carry a balance and pay interest each month, Citi Rewards+ may be a better option. Otherwise, consider the Bank of America Cash Rewards card.

    Earning Rewards

    It’s a simple process to earn perks on your everyday purchases. With Citi Rewards+ Card, you can earn points by:

    • Spending as normal, especially at supermarkets and gas stations where you get double points for the first $6,000 per year
    • Redeeming your points. You’ll automatically earn 10% points back for the first 100,000 points you redeem each year
    • Taking advantage of the sign-up bonus to earn 15,000 bonus points by spending $1,000 during the first three months

    The Bottom Line

    The Citi Rewards+ Card is a solid option for anyone who plans to use a credit card regularly for everyday purchases and is careful to make payments promptly.

    You’ll benefit from a strong rewards points program that offers multiple ways to earn extra points. But if you travel abroad regularly or are prone to late payments, the fees on this card may be too much for you.

    In this case, the Marriott Bonvoy Boundless Credit Card may be a better option. Or you could try the Capital One QuicksilverOne Cash Rewards Card. This card does have a small annual fee of $39, but it’s accepted worldwide without foreign transaction fees.

    About the Authors

    Michelle Clardie

    Michelle Clardie Contributing Writer

    Michelle Clardie has an MBA in management and strategy, and has worked in real estate. Her work has been featured on sites like Yahoo! News and Inman.