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Card reviewCiti
Updated Apr 14, 2026 · research
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CitiCiti ThankYou® RewardsEditorially reviewed

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.

Entry LevelPersonal
Mastercard
Credit profile: good
$0
Annual fee
2x pts gas stations
Top rate
3%
Foreign fee
N/A
Rating

Current Welcome Offer

20,000 points

$200 estimated value

Spend $1,500 in 90 days

Verifiedofficial card page
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Card Offers

public

20,000 points

Verified

$200 estimated value

Spend $1,500 in 90 days

official card_page

Earning Rates

Gas Stations
2xpoints

Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year, then 1X.

Supermarkets
2xpoints

Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year, then 1X.

All Other Purchases
1xpoints

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 TypeAmount
Annual Fee$0
Foreign Transaction Fee3%

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

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

10% Points Back on Redemptions

This benefit returns 10% of the first 100,000 ThankYou® Points redeemed annually, up to 10,000 points back. It boosts redemption value without extra spending.

Round-Up Points Minimum

Even small purchases like $0.50 round up to at least 10 points. This adds value to frequent low-dollar transactions.

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 are the intro APR terms?
The card offers 0% intro APR on purchases for 15 months from account opening. It also provides 0% intro APR on balance transfers for 15 months if completed within the first 4 months, with a 3% fee (minimum $5). After the intro period, a variable APR applies between 18.74% and 28.74%.
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.

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

Apply NowCompare Cards

Reward Program

Citi ThankYou® Rewards

Earns Points

Learn more

Card Categories

RewardsNo Annual FeeThankyou PointsSupermarketsGas Stations

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 5 of 5 benefits rated high confidence
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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