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 provides 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 points 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 case 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 grow to be much more invaluable in case you even have the Citi Status® Card (not obtainable 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 resort 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 charge.

Let’s take a more in-depth take a look at this card so you possibly can determine whether or not it might be a invaluable addition to your pockets.

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 obtainable in case you’ve obtained a brand new cardmember bonus for any of the next playing cards — or in case you’ve closed any of those accounts — prior to now 24 months:

You possibly can redeem these 20,000 factors for $200 in reward playing cards. However in case you even have the Citi Status or the Citi Premier, you possibly can transfer factors out of your Rewards+ account to your Status or Premier account. Doing so lets you switch your factors to airline companions, during which case the bonus is value $360, primarily based on TPG’s valuations.

Associated: Not touring for now? Learn how to maximize your reward factors on different redemptions

The Citi Rewards+ Card typically 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, shops and comfort shops could not present this incomes price. The cardboard’s phrases and situations additionally explicitly exclude “gasoline bought for industrial functions or used for non-automobile functions” from incomes bonus factors, in addition to the next varieties of retailers:

“Common 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. As an illustration, you can buy a $3 espresso at a restaurant and earn 10 factors. For those who use your card at a grocery store and make $42 in purchases, your incomes can be 84 factors (because it’s a 2-point-per-dollar class), then rounded as much as the closest 10, which is 90 factors complete.

Clearly, this rounding might be exploited. Because of this, the cardboard’s phrases and situations 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 underneath and all different purchases of $10 and underneath will earn 10 factors. To maximise your incomes whereas spending usually, take into account your threshold for utilizing the Citi Rewards+ Card in every spending class. This shall be primarily based on the opposite bank cards you could have.

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 think about limited-time bonuses).

So, in case you solely have the Citi Premier and the Citi Rewards+, you’ll at all times 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 most effective cash-back bank cards for every bonus class

The factors earned by the Citi Rewards+ Card are thought of “primary” Citi ThankYou factors which you could 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, if you redeem your factors, you’ll obtain 10% factors again for the primary 100,000 factors redeemed per calendar 12 months. Which means that in case you redeem 10,000 factors in a 12 months, you’ll obtain 1,000 of these factors again.

However in case you even have the Citi Status or the Citi Premier, you possibly can transfer factors out of your Citi Rewards+ account to your Status or Premier account and switch them to companions equivalent to 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: Learn how to redeem Citi ThankYou Factors for max worth

Being a no-annual-fee card, the Citi Rewards+ Card doesn’t provide many perks. Its primary enchantment is the way it accrues factors (which we’ll cowl in a second).

Nonetheless, the cardboard is about up for contactless cost with the intention to faucet and go. You’ll additionally get entry to Citi Concierge and Citi Leisure, each of which may present helpful help.

You received’t wish to use the Citi Rewards+ Card when touring overseas because the card levies a 3% overseas transaction charge.

Associated: The most effective no-annual-fee bank cards

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 needs 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 maybe probably the most just 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 no less than 20 transactions in a month with a 20% factors bonus, so that you’ll in all probability be making a number of small purchases with both card. For extra data, learn our full assessment 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.
• If in case you have a Chase Sapphire card: The Chase Freedom Limitless is a strong card that earns 1.5% money again on most purchases in case 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 possibly can 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 bettering your potential return. For extra data, learn our full assessment of the Freedom Limitless.
• In order for you simplicity: The Citi Double Money Card gives 2% money again on all purchases — 1% if you purchase and 1% as you repay your assertion. Cardholders may convert money again to ThankYou factors through a linked ThankYou account. Nonetheless, in case you can maximize your bonus class spending and the 10-point round-up with the Citi Rewards+, although, it’d nonetheless be a greater card on your wants. For extra data, learn our full assessment of the Citi Double Money.

For added choices, take a look at our full record of no-annual-fee playing cards.

Learn extra: Why it is best to double down with the Citi Premier and Citi Rewards+

Whereas the Citi Rewards+ gives some issues, different playing cards with no annual charge 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.

Further reporting by Ryan Wilcox and Joseph Hostetler.