Citi Rewards+ Card Review – The Points Guy

The Citi Rewards+® Thẻ Card is a free annual card that offers 2 points per dollar at gas stations and grocery stores, up to $6,000 per year (and 1 point per dollar thereafter), as well as two relative features unique. First, it rounds the earnings on all purchases up to the nearest 10 points. Second, it gives you 10% on the first 100,000 points you redeem every year. Card Rating*:

* Card ratings are based on the opinions of the editors of TPG and are not influenced by the card issuer.

The Citi Rewards+ Card is unique in that earnings on all purchases are rounded to the nearest 10 points. But there are also other aspects of the card that can be useful for choosing cardholders — and it also just added a new section to its welcome bonus.

The Citi Rewards+ Card great if you make a lot of small purchases because each purchase will be rounded to the nearest 10 points. Even a 50 cent pack of gum will earn you 10 points.

Most cardholders will get the most value out of their points by exchanging them for gift cards at the rate of 1 cent per point. But your rewards can become even more valuable if you also have Citi Prestige® Card (not available to new applicants) or Citi Premier® Card.

You can combine ThankYou Rewards points earned on your Citi Rewards+ account with points from Citi Premier or Citi Prestige and then transfer them to your ThankYou Rewards account. 16 airlines and two hotel partners.

Information about Citi Prestige has been independently obtained by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

This card has no annual fee.

Take a closer look at this card so you can decide if it could be a valuable addition to your wallet.

The Citi Rewards+ Card is offering a 20,000 points bonus after spending $1,500 in the first three months of account opening.

However, the sign-up bonus isn’t available if you’ve received a new cardholder bonus for any of the following cards — or if you’ve closed any of these accounts — in the last 24 months:

You can redeem these 20,000 points for $200 in gift cards. But if you also have Prestigious Citi or Citi Premier, you can transfer points from your Rewards+ account to your Prestige or Premium account. Doing so allows you to transfer your points to airline partners, in which case a reward worth $360, based on TPG’s valuation.

Related: Not traveling for now? How to maximize your bonus points for other redemptions

The Citi Rewards+ Card usually earn 2 ThankYou points for every dollar spent at supermarket And the gas station over the first $6,000 each year and 1 point for every dollar thereafter. You’ll also earn 1 ThankYou point for every dollar spent on all other eligible purchases.

In addition, coinciding with the launch of Travel Citi with Booking.comCiti Rewards+ cardholders can earn up to 5 points per dollar for booking in the portal through June 30, 2024.

Sellers have to categorize themselves as a supermarket or a gas station for you to earn 2 points for every dollar. So online supermarkets, warehouse clubs, wholesale clubs, super stores, discount stores, department stores and convenience stores may not offer this rate of income. The card’s terms and conditions also explicitly exclude “fuel purchased for commercial purposes or used for non-automobile purposes” from earning bonus points, as do the following types of merchants:

“General/discount supermarkets, freezer/butchers suppliers, dairy stores, grocery/miscellaneous stores, markets, pharmacies, warehouse clubs, wholesale clubs, specialty vendors, bakeries, candy stores, nut shops, confectionery and meal kit stores, transportation services.”

However, in addition to these standard accrual rates, one of the Citi Rewards+ CardPoint of sale is all earnings rounded to the nearest 10 points. For example, you can buy a $3 coffee at a restaurant and earn 10 points. If you use your card at the supermarket and earn $42 on a purchase, your earnings will be 84 points (since it’s a 2 point per dollar sort of thing), then rounded up to 10 near ie a total of 90 points.

Obviously, this rounding can be exploited. As such, the card’s terms and conditions expressly prohibit “fraud, abuse, abuse or suspicious activity” including “Using your Citibank Card Account or Checking Account in an abusive manner.” for the primary purpose of earning Points.”

That said, the Citi Rewards+ Card Perfectly designed for all your small expenses. Indeed, all supermarket and gas station purchases of $5 or less and all other purchases of $10 or less earn 10 points. To maximize your earnings while spending normally, consider your Citi Rewards+ Card usage threshold in each spending category. This will be based on other credit cards you have.

For example, see how your earnings would grow on some sample purchases if you had Citi Premier and Citi Rewards+ (note that this is based on a standard earnings rate and does not take into account cash). limited time bonus).

So if you only have Citi Premier and Citi+ Rewards, you’ll always want to use Premier for groceries and most restaurants. For all other categories, you’ll want to use Rewards+ for small purchases and Premier for buy bigger — you just need to find the breakeven point for each spending category.

Related: Best Cashback Credit Cards for Each Bonus Type

Points earned by Citi Rewards+ Card considered “basic” Citi ThankYou points which you can redeem at Amazon or Best Buy for purchases for less than 1 cent each. Alternatively, redeeming gift cards for 1 cent each is a better option.

In addition, when redeeming points, you will get 10% points back for the first 100,000 points redeemed each calendar year. This means that if you redeem 10,000 points in a year, you will get 1,000 of them back.

But if you also have Prestigious Citi or Citi Premieryou can move the point from Citi+ Rewards to your Prestige or Premium account and transfer them to partners like Avianca Life Miles And Etihad guests. This increases the value of the points you earn with Citi Rewards+ from 1 cent per point about 1.8 cents each.

Related: How to redeem Citi ThankYou Points for maximum value

As a free annual card, Citi Rewards+ Card does not offer many perks. Its main attraction is the way it accumulates points (which we will cover in a moment).

However, the card is set up for contactless payment so you can tap and go. You will also have access to Special Help Citi And Citi Entertainmentboth can provide helpful support.

You won’t want to use your Citi Rewards+ Card when traveling abroad because it charges a 3% fee foreign transaction fees.

Related: Best Free Annual Credit Cards

No other card rounds your earnings to the nearest 10 or offers a general discount on the points you redeem, so there’s no direct competition. But Citi Rewards+ Card should be compared with others Free credit card every year.

• If you want an Amex card: Amex EveryDay Credit Card from American Express is probably the most similar to Citi Rewards+ Card because it accrues 2 points for every dollar on the first $6,000 you spend at US supermarkets each year (then 1 point). Plus, the card rewards make at least 20 transactions in a month with a 20% point bonus, so you’ll likely be making a lot of small purchases with either card. For more information, read our Amex EveryDay full review. Information about the Amex EveryDay card has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
• If you have a Chase Sapphire card: The Unlimited pursuit of freedom is a solid card earned 1.5% cashback on most purchases if you don’t have Official Chase Ultimate Rewards card like Chase Sapphire Reserve or Chase Sapphire Priority Card. But if you have one of these Ultimate Rewards cards, using it is like earning 1.5 Ultimate Rewards points for every dollar spent on most qualifying purchases, since you maybe combine your points with people from your other card. It also has several bonus categories, including 5% cashback on travel purchased through Chase Ultimate Rewards and 3% cashback on drugstore and pharmacy purchases, greatly improving your potential profits. . For more information, read our Full review of Freedom Unlimited.
• If you want simple: The Citi Double Card provide 2% cashback on all purchases — 1% when you purchase and 1% when you pay your statement. Cardholders can also convert cash into ThankYou points through the linked ThankYou account. However, if you can maximize your bonus portfolio spend and round out 10 with Citi Rewards+, it might still be a better card for your needs. For more information, read our Citi Double Cash full review.

For additional options, check out ours Full list of annual free cards.

Read more: Why you should double with Citi Premier and Citi Rewards+

While Citi Rewards+ offers some, other cards have no annual fee offer unlimited income bonus in supermarket or gas portfolio (or both) or better income on daily expenses.

Apply here for Citi Rewards+ Card with a signup bonus of 20,000 points after you spend $1,500 on purchases with your card within the first three months of account opening.

Additional reporting by Ryan Wilcox and Joseph Hostetler.