Citi Rewards+® Card full review

Unfolding this card could be challenging, but if you do, you can cash in on a sizable amount of cashback. Find out today!

What do I need to know about the Citi Rewards+® Card?

With its round-up feature, the Citi Rewards+® Card presents a completely distinctive offering.

The number of points you receive for purchases is automatically rounded to the next highest number, which is 10.

Although it’s an intriguing benefit and will undoubtedly result in bonus points, does it make the card worthwhile or is it just a gimmick?

How frequently you use your Citi credit card and how you intend to use your points will determine that.

So, keep reading and have a better picture of this peculiar card!

How does the Citi Rewards+® Card work?

The following reward rates are available through Citi Rewards+:

For the first $6,000 in annual spending at supermarkets and gas stations, earn two ThankYou Points for every $1 spent, and one ThankYou Point for every $1 spent on all other qualified purchases.

Additionally, for a limited time, receive 1 ThankYou Point for the first 12 months following the activation of your account and 5 ThankYou Points for the first $6,000 spent at restaurants.

Every purchase will be rounded up to the nearest 10 points, without a limit.

For the first 100,000 ThankYou® Points you redeem each year, you’ll receive 10% back in points.

A welcome incentive is also included: 20,000 bonus points once $1,500 in purchases are made within three months of the account being opened.

These points can be exchanged for $200 worth of gift cards at

How can you redeem these points?

Depending on what you do with the awards you earn with Citi Rewards+, you’ll get a varied value. What can you buy with your cache of ThankYou points?

Your points are worth a penny as a statement credit. Redeemable units start at just one cent.

Get a check in the mail and your points are worth a penny as straight cash back. When exchanging for a check, there is a $5 minimum requirement, and checks are good for 180 days.

Your points will be worth one cent each if you redeem them in this manner for a mortgage payment or student loan repayment. This cannot be done online; you must call a Citi representative to manage it over the phone.

When redeeming points for travel through the ThankYou Travel Center, they typically have a value of one cent.

If you redeem for air travel by calling the ThankYou Travel Center, this is one important exception.

A point is still worth one cent when you reserve a ticket in this manner, but there is a puzzling $23 price for doing so.

With the Shop With Points program, you can use your points, which have a value of less than one cent each, to make direct purchases at a few businesses.

Shop With Points is currently supported by PayPal, Amazon, and other online retailers. You will receive a bill credit after making the purchase and using your points at and

For a gift card: Points are typically worth roughly one penny each when used to purchase a gift card through the ThankYou Center.

Transfer to travel partners: If you hold a qualifying premium card, such as the Premier or the Prestige, you may transfer ThankYou Points to one of Citi’s transfer partners.

Citi Rewards+® Card benefits

Rewards rates are very good

Considering the study we have done about it in the review.

0% Introductory APR Offer

Transferring a balance from one credit card to another if you have high-interest credit card debt can help you save money and pay off your debt faster.

You may pay off your debt without worrying about an interest with the Citi Rewards+ card because it offers a 15-month introductory period with a 0% introductory APR starting from the day of your first transfer.

The transfer is larger than the regular $5 or 3%. On new purchases, you will additionally receive a 15-month period of 0% APR.

Round up points

The only credit card that automatically rounds up every purchase to the nearest 10 points is the Citi Rewards+ card. That is especially helpful for increasing the return on small purchases.

For instance, purchases of $2 or $4 would be rounded up from 2 or 4 points to 10, which when redeemed equals around $0.10 in value.

How to apply for the Citi Rewards+® Card

If you got interested, take a look at our article on how to apply for the Citi Rewards+® Card right away.

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