$39
Annual fee
See the card
Card reviewCiti
Updated Aug 1, 2026 · research
Citi
Citi Rewards+ Card
Mastercard
$0
Annual fee
—
Top rate
N/A
Foreign fee
N/A
Rating
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.
- 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.
- 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 |
Frequently Asked Questions
What is the annual fee for the Citi Rewards+® Card?
The Citi Rewards+® Card has no annual fee. This makes it a cost-effective option for earning rewards on everyday purchases.
How does the points earning work on this card?
Every purchase rounds up to the nearest 10 ThankYou® Points. Earn 2 points per dollar at supermarkets and gas stations on the first $6,000 per year, then 1 point per dollar. All other purchases earn 1 point per dollar after rounding.
What is the 10% points back benefit?
Cardholders receive 10% of ThankYou® Points back on the first 100,000 points redeemed per year. This provides up to 10,000 points back annually. The benefit applies each time points are redeemed.
Does the card charge foreign transaction fees?
A 3% foreign transaction fee applies to purchases made abroad. This is standard for the card.
What credit score is needed to apply?
The card requires good credit for approval. It targets personal cardholders with established credit.
How can points be redeemed?
ThankYou® Points redeem for travel, gift cards, and more through the ThankYou® Rewards program. Redemptions qualify for the 10% points back benefit up to the annual cap.
Ready to Decide?
Apply for the Citi Rewards+ Card
Current offer available with no annual fee.
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Sources & Methodology
Sources & Methodology
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