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HomeCredit CardsThe Citi Rewards+ Card: Earn 20,000 Bonus ThankYou Points in

The Citi Rewards+ Card: Earn 20,000 Bonus ThankYou Points in October 2021

For frequent small purchases, the Citi Rewards+® Card is a standout choice. It's the only credit card that automatically rounds up to the nearest 10 points on every purchase, with no cap.

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The Citi Rewards+® Card, from our partner Citi, is among the best rewards credit cards to buy a cup of coffee with. In fact, the rewards for smaller purchases on this card can supercharge your Citi ThankYou Points earnings. And for a limited time, new cardholders can earn 20,000 bonus ThankYou Points after making $1,500 in purchases with your card within three months of account opening; redeemable for $200 in gift cards at thankyou.com.

Keep reading to find out how this Citi Rewards+ Card works and if it makes sense for you.

Offer Details
Citi rewards+ card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 20,000 ThankYou Points
APR: Variable APR Between 13.49%-23.49% After Intro 0% APR Period
Rewards Rate: 1X-2X ThankYou Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. Afterwards, any balances will carry a variable APR based on creditworthiness. Note that there is a balance transfer fee of $5 or 3% of the transfer, whichever is greater. Furthermore, balance transfers need to occur during the first four months of account opening.

Once the no-interest offer has concluded, a variable APR between of 13.49%-23.49%, based on credit worthiness will apply to all balances.

APR: After the intro 0% APR offer concludes, a variable APR between 13.49%-23.49% will apply.

Rewards Rate: The card offers 2X ThankYou points per dollar spent at grocery stores and gas stations up to $6,000 each year (afterwards, the point-to-dollar ratio is 1:1). Beyond that, the card awards 1x ThankYou Points per dollar spent on all eligible spending.

Sign-Up Bonus: Earn 20,000 bonus ThankYou Points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Who Should Use This Credit Card? People who make lots of small purchases.

Why We Like It

Why We Like the Citi Rewards+® Card

The Citi Rewards+ Card, from our partner Citi, has a novel approach to rewarding spending. It rounds up all purchases to the nearest 10 ThankYou Points. As an example, if you bought a cup of coffee for $2, you’d earn 10 ThankYou Points. Similarly, if a burger and fries cost $15, you’d earn 20 ThankYou Points. Awesome, right?

If you make a lot of small purchases, like a morning cup of coffee, this could be the card for you. The Citi Rewards+ Card also earns 2x ThankYou Points per dollar spent at grocery stores and gas stations up to the first $6,000 each year. It also offers introductory 0% interest on purchases and balance transfers for the first 15 months.

Citi Rewards+ Card Review

There’s little better to start your day than a piping hot cup of coffee. If you regularly head to a favorite coffee shop for your caffeine fix, you should consider a credit card that maximizes the reward you get for every dollar you spend.

Sign-Up Bonus

New cardholders can earn a bonus of 20,000 ThankYou Points when they spend $1,500 with their new cards within the first three months of account opening. This 20,000-point bonus is redeemable for $200 in gift cards at thankyou.com. This accelerated bonus is good news to aspiring Citi Rewards+ cardholders, as the bonus earlier this year was 15,000 ThankYou Points. So now could be a beneficial time to apply for this rewards credit card.

Rewards Rate (Rounding to the Nearest 10 ThankYou Points)

If you make a lot of small purchases, like a morning cup of coffee or afternoon stop at a convenience store, this could be the card for you. The reason is simple: This rewards credit card rounds up all purchases to the nearest 10 ThankYou Points. A $2 cup of coffee would get you 10 ThankYou Points, for example.

Previously, my daily stop at 7-Eleven for a candy bar usually got me a point or two. With this card, it would have netted me 10 ThankYou Points. Let’s say you’re on a road trip and stop in at a gas station for a $2 cup of joe. Most cards would give you 1x points per dollar or 1% cash back. Some with 2x points at gas stations would double to a total of 4 points or 4 cents. With the Citi Rewards+ Card, you would get 10 ThankYou Points.

Supermarkets and Gas Stations

In addition to rounding up to the nearest 10 ThankYou Points, this card features 2x ThankYou Points per dollar at supermarkets and gas stations, up to $6,000 in combined annual purchases. For a big trip to the grocery store, the rounding to the nearest 10 ThankYou Points may not seem like much, but the feature can earn an average of around 4 to 6 extra ThankYou Points on every purchase you make. You’ll see those rewards add up fast.

Maximizing ThankYou Point Earnings With the Citi Rewards+® Card

woman uses her smartphone while smiling
Credit: Twenty20

Get ready for your infomercial moment: But wait, there’s more! When you redeem ThankYou Points from this card, you get 10% back for the first 100,000 ThankYou Points redeemed per year. Redeeming 10,000 points, for example, would put 1,000 points back in your account. With this in mind, your effective earning rate for a $2 cup of coffee or $1 pack of gum isn’t 10 ThankYou Points — it’s 11 ThankYou Points.

You’ll be hard-pressed to find a card that gives you an equivalent of 11 cents back on a purchase of a few dollars or less. The limit of $6,000 per year in the 2x supermarket and gas station categories is a big negative to this card, and the 1x ThankYou point per dollar everywhere else isn’t very exciting. However, when you add in rounding up to the nearest 10 ThankYou Points and the 10% back on redemptions, the card is a real contender.

New cardholders can earn a 20,000 ThankYou point signup bonus after spending $1,500 in purchases in the first three months after opening a new account. That’s $200 in rewards to get you started.

Citi Rewards+ Card Benefits

This card includes some basic credit card benefits that are fairly standard on all U.S. credit cards, like $0 liability on unauthorized charges. In mid-2019, Citi removed many of the valuable purchase and travel benefits. The Citi Price Rewind, rental car insurance, return protection, extended warranty and baggage delay coverage are examples of some of the great benefits that were cut by Citi from nearly all of its cards.

Compared to some competing rewards cards, like the Chase Freedom®, Chase Freedom Unlimited® and Blue Cash Everyday® Card from American Express, which also have no annual fee, the benefits from Citi Rewards+ Card are not very good. The lack of benefits is the biggest con of this card by a long shot.

Redemption and Transferring ThankYou Points

a happy baby is being tossed into the air
Credit: Twenty20

To get the best value from this card, you’ll want to redeem up to 100,000 ThankYou Points per year to get the maximum 10% back from redemptions. The ThankYou Points you earn are the basic level of Citi’s ThankYou rewards program. That makes them worth a flat 1 cent each for most redemptions, including statement credits, travel booked through Citi and gift cards.

You can get a little more in some cases by transferring ThankYou Points to JetBlue. Credit card miles and Points pros, however, will pair the Citi Rewards+ Card with other Citi cards to earn even more value per ThankYou point. Keep your eye open for these point-transfer opportunities with travel partners because they are limited time promotions.

However, these promotions have been offered annually for the past couple of years. If you also carry one of these premium cards, which charge annual fees but also come with better rewards and benefits, your ThankYou Points from Citi Rewards+ Card can be worth even more. Citi allows you to transfer ThankYou Points between your accounts. Converting these basic ThankYou Points into points on one of the premium cards gives you better opportunities to use Thank You Points for travel.

Our points valuation guide estimates the worth of these points are worth about 1.7 cents each. That makes all of your rewards worth about 70% more if used well.

Citi Rewards+ Card Application

Applying for the Citi Rewards+ Card is easy. Simply click on the link below to begin a secure and confidential application process directly with the issuer. Approval happens in minutes.

The Bottom Line

This card is best for people who make frequent, small purchases on their card. Put away the cash, which doesn’t give you any fraud protection, and use a rewards card instead. As long as you pay off the card’s balance in full every month and avoid fee-bearing activities like balance transfers and foreign transactions, you can use the card for free and walk away every month with a profit.

Depending on your spending habits and preferences for benefits, it may not be the very best card for your needs. But if you often find yourself buying coffee or other low-value purchases, Citi Rewards+ Card is tough to beat.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Eric Rosenberg
Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in depth experience writing about banking, credit cards, investing, business, and other financial topics. When away from the keyboard, Eric enjoys exploring the world and spending time with his wife and little girls. You can connect with him at Personal Profitability or EricRosenberg.com.

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