Citi Rewards+® Card
The Citi Rewards+® Card earns ThankYou® Points on everyday purchases, with a unique round-up feature that rounds up to the nearest 10 points on every purchase, and no annual fee.
Annual Fee
$0
Top Earning Rate
2x pts gas stations
Foreign Tx Fee
3%
Rating
N/A
Current Welcome Offer
20,000 points
$200 estimated value
Spend $1,500 in 90 days
Card Offers
public
20,000 points
$200 estimated value
Spend $1,500 in 90 days
Earning Rates
Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year, then 1X.
Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year, then 1X.
Earn 1X ThankYou® Points on all other purchases. Every purchase rounds up to the nearest 10 points.
Pros & Cons
Pros
- No annual fee.
- Unique round-up to nearest 10 points on every purchase.
- 2x points on supermarkets and gas stations up to $6,000 per year.
- 0% intro APR on purchases and balance transfers for 15 months.
- 10% points back on first 100,000 points redeemed annually.
Cons
- Bonus categories cap at $6,000 per year.
- 3% foreign transaction fee.
- Entry-level rewards with 1x on most purchases.
- Balance transfer fee of 3% (min $5).
- Requires good credit.
Key Takeaways
- Rounds up every purchase to the nearest 10 ThankYou® Points.
- Earn 2x points at supermarkets and gas up to $6,000 annually.
- 0% intro APR for 15 months on purchases and balance transfers.
- 10% back on first 100,000 points redeemed per year.
- No annual fee but 3% foreign transaction fee.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
APR Information
- Purchase APR
- 18.74% - 28.74%0% intro APR for 15 months
- Balance Transfer APR
- 18.74% - 28.74%0% intro APR for 15 months
- Cash Advance APR
- 29.99%
- Penalty APR
- 29.99%May apply if you pay late
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
5 benefits including 1 hidden gems
Purchase Protection
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Citi Rewards+® Card?
How does the points earning work on this card?
What are the intro APR terms?
What is the 10% points back benefit?
Does the card charge foreign transaction fees?
What credit score is needed to apply?
How can points be redeemed?
About This Card
This card suits consumers with good credit seeking a no-fee option for everyday spending, especially at supermarkets and gas stations, or those needing a long intro APR period for purchases or balance transfers.
The Citi Rewards+® Card is a no-annual-fee rewards card that earns Citi ThankYou® Points. Its signature feature is rounding up to the nearest 10 points on every purchase — so even a small transaction earns at least 10 points. Cardholders earn bonus points at supermarkets and gas stations. The card also offers a 10% Points Back benefit on the first 100,000 ThankYou Points redeemed per year, effectively giving back 10% of redeemed points. Points can be redeemed for travel, gift cards, and more through the ThankYou® Rewards program.
The round-up to the nearest 10 points on every purchase sets it apart from other entry-level rewards cards by guaranteeing minimum earnings on small transactions.
Ready to Decide?
Apply for the Citi Rewards+® Card
20,000 points, worth about $200 estimated value, with no annual fee.
Spend $1,500 in 90 days
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 5 of 5 benefits rated high confidence
- 1 of 1 offer verified
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