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Citi Rewards+ Review: A Credit Card That Rounds Up Your Rewards

Review Updated
Lyle Daly
Author: Lyle Daly
Lyle Daly
Lyle Daly
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Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. His work with Motley Fool Money and The Motley Fool has appeared syndicated in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Eric McWhinnie
Fact Checked: Eric McWhinnie
Eric McWhinnie
Eric McWhinnie

Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.  Citi is an advertising partner of Motley Fool Money.

The Citi Rewards+® Card puts an interesting twist on earning rewards with its round-up feature. The number of points you earn on purchases automatically rounds up to the nearest 10 points. That makes this card excellent for smaller purchases, but big spenders may be disappointed with its bonus categories. Get all the pros and cons in our full Citi Rewards+® Card review.

Ratings Methodology

Citi Rewards+® Card

Apply Now for Citi Rewards+® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Rewards+® Card
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Rewards+® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months on Purchases

Balance Transfers: 0%, 15 months on Balance Transfers

Regular APR

17.74% - 27.74% (Variable)

Rewards Circle with letter I in it. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

1x - 2x points

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn 20,000 bonus 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. Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

20,000 points

  • A well-rounded set of perks makes this card a solid choice, but the rewards program is lacking compared to the competition.

    • Points round up on purchases
    • Sign-up bonus
    • Supermarket and gas station rewards
    • Great intro APR
    • No annual fee
    • Low rewards rate
    • Earn 20,000 bonus 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
    • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
    • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
    • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
    • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
    • No Annual Fee

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.49% - 28.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Full Citi Rewards+ review

This credit card is a good fit for: Consumers who make plenty of small purchases and can take advantage of this card's unique round-up feature.

Top perks

This Citi rewards card has quite a few notable benefits.

Welcome offer: 20,000 points

You earn a sign-up bonus of 20,000 points after spending $1,500 in the first 3 months. Points are redeemable at a rate of $0.01 per point for gift cards or travel rewards with Citi, giving this welcome bonus a value of $200. That's one of the larger bonus amounts for a no annual fee card.

SEE MORE: Best Sign-Up Bonus Credit Cards

Rewards program that rounds up points

The Citi Rewards+® Card earns:

  • 2 points per $1 on your first $6,000 in combined supermarket and gas station spending per calendar year
  • 1 point per $1 on other purchases

Rewards are also rounded up to the nearest 10 points on every purchase. For example, a $0.75 purchase that earns 1 point would be rounded up to 10 points. A $22 gas station purchase that earns 44 points would be rounded up to 50 points. While this is a good benefit for purchases at any price point, it's especially valuable on smaller purchases that otherwise would only earn a few points.

Special bonus rewards on hotels and car rentals

This card earns 5 points per $1 on hotels and car rentals booked on the Citi Travel portal through Dec. 31, 2025.

0% intro APR for 15 months on Purchases

This Citi credit card has a 0% intro APR for 15 months on Purchases on purchases and balance transfers. You must make balance transfers within the first four months of account opening for the 0% intro APR to apply.

The intro rate makes this card more useful. In addition to its rewards, it's also one of the better 0% intro APR credit cards. You could use it to pay off purchases over up to 15 months on Purchases interest free or to get a lower rate on any credit card debt you have.

10% of your points back

You'll get 10% back on the first 100,000 points that you redeem per calendar year. If you max this out by redeeming 100,000 points, you'll get 10,000 points back. This is another unique feature we don't see on too many rewards credit cards.

Citi ThankYou Rewards program

This card earns Citi ThankYou Points. There are multiple ways to redeem your points, including travel bookings with Citi and gift cards. What makes it even better is that if you have a travel rewards card with Citi, you can move your ThankYou Points from your Citi Rewards+® Card to that travel card. By doing that, you can unlock additional redemption options, such as transferring points to Citi's travel partners. Citi travel cards include:

So, you could use the Citi Rewards+® Card to max out your rewards on small transactions through its round-up feature. You could then potentially get more out of those points by moving them to a Citi travel card and transferring them. It's a more advanced strategy, but it's well worth it for frequent travelers.

LEARN MORE: A Complete Guide to Citi ThankYou Points

What could be improved

This rewards credit card from Citi has a few areas where it could get better.

Lackluster bonus categories

The Citi Rewards+® Card normally only has two bonus categories where it earns 2 points per $1. That falls short of what other cards offer. There are plenty of top credit cards that have more bonus categories and higher bonus rates of 3%, 4%, or more. The only way you'll get more value from this card is if you know you'll earn lots of points from its round-up benefit.

Foreign transaction fee

It's not a good idea to use this card for international purchases. It charges a 3% foreign transaction fee. If you like to travel abroad, check out other credit card reviews for cards that don't have this type of fee.

Find the best credit card for your needs
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Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

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Suggested credit score

A FICO® Score of 670 or higher is recommended when applying for the Citi Rewards+® Card. Most successful applicants have credit scores that land them in the good credit to excellent credit ranges. That being said, there are other factors that come into play, as well. Your credit score isn't the only thing that determines whether your application is approved or denied.

RELATED: How to Build Credit Fast

The Citi Rewards+ is right for you if:

You use your credit card frequently for small transactions. If you're the type to buy a $3 coffee here, a $12 lunch there, and other inexpensive items throughout the day, the Citi Rewards+® Card could earn you quite a few extra points through its round-up feature. If not, you may prefer a more traditional rewards credit card with higher rewards rates.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • The Citi Rewards+® Card could be a good choice if you frequently make small purchases. If so, this card's round-up feature could boost your rewards quite a bit. But it doesn't have the best bonus categories, so compare what it earns to other rewards cards before making your decision.

  • The Citi Rewards+® Card rounds up your rewards to the nearest 10 points on every purchase. For example, if you make a purchase that earns 5 points, it gets rounded up to 10 points.

  • For applicants with good credit, the Citi Rewards+® Card typically isn't hard to get. A credit score of 670 or higher is recommended to qualify for this card, although that doesn't guarantee approval.