Is Citi Rewards+® Card worth it?

The Citi Rewards+® Card is a unique rewards credit card that rounds up the points earned on each purchase to the nearest 10, providing a little extra value for your everyday spending. With no annual fee, this card is ideal for individuals looking to maximize their rewards on small purchases and offers a valuable addition to their Citi ThankYou Points collection.

What credit score do I need to get Citi Rewards+® Card?

The recommended credit score for Citi Rewards+® Card is 670 - 850.

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Citi Rewards+® Card

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Rates and Fees

Annual Fee: $0

Bonus Miles

Bonus Points

20,000

Recommended Credit

670 - 850

Current Offer

Earn 20,000 bonus points after spending $1,500 in the first 3 months of account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

All information about the Citi Rewards+® Card has been collected independently by Daily Drop.

20,000

Bonus Points

Earn 20,000 bonus points after spending $1,500 in the first 3 months of account opening.

All information about the Citi Rewards+® Card has been collected independently by Daily Drop.

Summary

The Citi Rewards+® Card is a rewards credit card that offers unique features, including the ability to round up to the nearest 10 points on every purchase. It's an excellent choice for those looking to maximize rewards on everyday spending and enjoy a variety of benefits.

Earning Rewards

5X per $1 on hotel, car rentals and attractions booked on the CitiTravel.com through December 31, 2025
2X per $1 at supermarkets and gas stations for the first $6,000 per year and then 1 ThankYou^®Point per $1 spent thereafter
1X per $1 on everyday purchases

Additional Benefits

Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year

Foreign Transaction Fee

Rates and Fees

3% of transaction amount in USD

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70,000

Bonus Points

LIMITED TIME OFFER

Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

70,000

Bonus Points

Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

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✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

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Rates & Fees | Terms Apply

100,000

Bonus Points

ELEVATED OFFER

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

100,000

Bonus Points

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

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Citi Rewards+® Card

CURRENT OFFER

20,000

Bonus Points

Earn 20,000 bonus points after spending $1,500 in the first 3 months of account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

All information about the Citi Rewards+® Card has been collected independently by Daily Drop.

Learn More Rates & Fees

REWARDS RATE

ANNUAL FEE

Our Score

Annual fee (20%)

Welcome Offer (20%)

Point Redemption Value (20%)

Rewards Rates (15%)

Benefits (15%)

Travel Protections (10%)

Our Take

Comparable Cards

No items found.

FULL COMPARISON

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

The unique round-up feature adds extra points to every purchase, helping maximize rewards
Access to valuable card benefits, including Citi® Concierge and Price Rewind for price protection

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Cons

While the round-up feature is unique, the base rewards rate may be lower compared to some other rewards cards

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Rewards Summary

5X per $1 on hotel, car rentals and attractions booked on the CitiTravel.com through December 31, 2025
2X per $1 at supermarkets and gas stations for the first $6,000 per year and then 1 ThankYou^®Point per $1 spent thereafter
1X per $1 on everyday purchases

Additional Benefits

Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year

Customer Reviews & Redemptions

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