Citi Rewards+ Card Benefits Guide | Bankrate (2024)

Citi Rewards+ Card Benefits Guide | Bankrate (1)

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Key takeaways

  • The Citi Rewards+® Card can be a worthwhile everyday card since it offers bonus rewards on supermarket and gas station spending (terms apply)
  • This card also comes with a round-up points feature and an annual points redemption bonus, helping you to earn even more rewards
  • Other card perks include Citi Entertainment access, a welcome bonus, intro APR offers and no annual fee

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The Citi Rewards+® Card offers cardholders the ability to earn 2X points at supermarkets and gas stations (on up to $6,000 per year, then 1X points). But there are other features of this card you might not know about, such as its introductory APR offers for purchases and balance transfers and many ways to earn additional rewards.

Whether you’re considering the Citi Rewards+ or already have it and want to maximize its benefits, it’s helpful to know everything available to you.

Citi Rewards+ Card rewards benefits

Rewards on gas and grocery spending

Earning rewards is where you can really maximize the value of this card. The rewards structure offers 2X points at supermarkets and gas stations, with a limit of $6,000 in combined spending in those categories per year. Once you reach the limit for these spending categories, you’ll earn 1X points per dollar spent. Plus, as a special offer, you can earn 5X points on hotels, rental cars and attractions booked through the (offer through December 31, 2025). All other purchases earn 1X points.

Many ways to redeem rewards

The Citi Rewards+ card accrues “basic” ThankYou points, which means you can’t transfer points to all available Citi airline and hotel partners (which is a more valuable redemption option). However, you can transfer qualifying points to a participating Choice Privileges, JetBlue TrueBlue or Wyndham Rewards loyalty program account.

You can also use basic Citi ThankYou points to book travel through the Citi portal. Other redemption options include gift cards, shopping with points at eligible merchants (like Amazon and BestBuy) and paying with points (to cover eligible purchases as a statement credit). The best way to redeem your points is for gift cards or travel since both options provide 1 cent per point in value. Other redemption options may net less than 1 cent per point in value.

Round-up feature

The Citi Rewards+ card offers a unique way to earn more rewards in the form of a round-up feature that allows you to round up the points you earn to the nearest 10 points. So, if you make a $2 purchase, you’ll earn 10 points instead of 2 points. A purchase for $43 would round up to 50 points.

Note that your gas and grocery purchases will only round up after the 2X rate is applied. So, $64 of groceries would earn 128 points, which would then be rounded up to 130 points.

Annual redemption bonus

Every year, you’ll receive 10 percent of your points back on the first 100,000 points you redeem. If you max out this benefit, you could earn up to 10,000 points back, which is worth $100 in gift cards. Note that this benefit doesn’t apply to sharing points.

Citi Rewards+ Card intro benefits

Welcome bonus

Another nice benefit of this card is the welcome bonus. You can earn 20,000 bonus points after spending $1,500 in purchases within three months of account opening. These points can be redeemed for $200 in gift cards at

Intro APR offers

The Citi Rewards+ card offers a 0 percent intro APR for 15 months after account opening on both purchases (from the date of account opening) and qualifying balance transfers (from the date of the first transfer; balance transfers must be made within the first four months). After your intro APR offer ends, you’ll have a variable APR of 18.74 percent to 28.74 percent.

If you decide to take advantage of the balance transfer offer, you’ll pay an intro balance transfer fee of 3 percent (minimum $5) on each transfer completed within the first four months after account opening. After the first four months have passed, a balance transfer fee of 5 percent (min. $5) applies.

Citi Rewards+ Card other benefits

No annual fee

One of the great features of this card is that you can earn rewards on your everyday spending without having to justify the cost of an annual fee. This means there’s no need to strategize your spending to cover the cost of card membership. When you’ve got a no-annual-fee card, simply using it to earn rewards will net a lot of value for you. However, be sure to pay your balance off each month so you avoid interest fees.

Citi Entertainment

Citi Entertainment is a perk offered to all Citi cardholders. You’ll get access to presale tickets and exclusive experiences for concerts, sporting events, dining experiences and more.

Maximizing the Citi Rewards+ Card

If you want to get as much value as possible from this card, here are some tips that will help:

  • Use your card for gas and grocery spending.
  • Use your card for small purchases to take advantage of the round-up feature.
  • If you have high-interest debt, take advantage of the balance transfer offer to pay off your debt.
  • Redeem points for gift cards and other redemption options worth 1 cent per point.
  • Pair this card with a premium Citi card (or go for a Citi card trifecta). With a premium Citi card, you can pool all of your points together and transfer them to any Citi Travel partner. This option provides a higher average redemption value of 1.6 centsper point.

The bottom line

The Citi Rewards+ Card offers a number of respectable benefits for a no-annual-fee card, including rewards on grocery and gas station spending. Although the card’s bells and whistles are minimal, you can still get enough perks to justify getting (or keeping) the card.

Citi Rewards+ Card Benefits Guide | Bankrate (2024)


How does Citi Rewards+ work? ›

Rewards are rounded up to the nearest 10 points on every purchase. So if you buy a $4 cup of coffee, you get 10 points instead of four. Redemption options: You can redeem points for things like gift cards, travel and potentially statement credits (for eligible purchases in select categories).

What is the difference between Citi Custom cash Card and Rewards+? ›

The Citi Rewards+ Card offers a lower APR range of 18.74% to 28.74% variable, compared with the Citi Custom Cash's APR range of 19.24% to 29.24% variable. Both the Custom Cash and the Rewards+ have a $0 annual fee. Both the cards offer a 0% introductory APR on purchases and balance transfers for 15 months.

What is the credit limit for Citi Rewards+ Plus? ›

The Citi Rewards+ Card credit limit is $1,000 or more. Everyone who gets approved for Citi Rewards+ Card is guaranteed a credit limit of at least $1,000, and particularly creditworthy applicants could get limits a lot higher than that.

Does Citi Rewards+ Card have an annual fee? ›

Annual Fee: $0. This is $22.29 below average for a credit card. Bonus Category Rewards: 2 points per $1 at supermarkets and gas stations, on up to $6,000 spent per year, then 1 point per $1.

Is Rewards+ worth it? ›

If you want to earn rewards without paying an annual fee, the Citi Rewards+® Card may be a valuable option. Not only does it come with a welcome bonus, but it also offers an annual redemption bonus and a rewards round-up feature — all of which can help you earn even more ThankYou points.

Can I use my Citi Rewards to pay my bill? ›

You can also redeem credit card points for cash. Points redeemed for cash rewards make it easy for you to do what you want with your cash, like pay off pay monthly bills, deposit into an interest-accruing account, or save some extra cash for a special occasion.

How many credit cards are too many? ›

Owning more than two or three credit cards can become unmanageable for many people. However, your credit needs and financial situation are unique, so there's no hard and fast rule about how many credit cards are too many. The important thing is to make sure that you use your credit cards responsibly.

How to maximize Citi Custom Cash? ›

You can add an authorized user to your Citi Custom Cash Card for free. This can help the authorized user build their credit while also helping you earn cash back on their purchases. Their spending can help you maximize your cash-back rewards and hit the spending cap on your elevated cash-back category.

What's the best credit card you can get? ›

Best Credit Cards of 2024
  • Chase Sapphire Preferred® Card: Best Entry-Level Travel Card.
  • Capital One Venture X Rewards Credit Card: Best Flexible Rewards Card.
  • Chase Sapphire Reserve®: Best Credit Card for Travel Insurance.
  • The Platinum Card® from American Express: Best Credit Card for Luxury Travel and Lifestyle Benefits.
6 days ago

Is the Citi Rewards Plus card hard to get? ›

But, you'll usually need a good to excellent credit score of at least 670 to be approved for a rewards credit card such as the Citi Rewards+.

How do I redeem Citi Rewards Plus points? ›

To redeem your Points online:
  1. Go to to view our entire rewards collection.
  2. Add what you want to your cart.
  3. From your cart, you can place your order*. You can also redeem your Points for travel rewards online.

What is Citi highest credit limit? ›

WalletHub, Financial Company

The Citi Double Cash® Card credit limit is between $500 and $50,000, with $500 being the default minimum credit limit and $50,000 being the highest limit reported by cardholders.

Is Citi Rewards Plus a good card? ›

The Citi Rewards+ Card can be a good choice if you make small purchases frequently or want to benefit from a 10% return on redeemed points, especially if you have a Citi Prestige or Citi Strata Premier to boost the value of your rewards.

What credit score do you need for Citi Rewards+ credit card? ›

This tool only requires a soft pull on your credit and does not impact your score. To be approved for the Citi Rewards+ card, you'll likely need a good to excellent credit score (a FICO score of between 670 and 850).

How much is the Citi Rewards+ balance transfer fee? ›

Intro balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for transfers completed within 4 months of account opening. After that, 5% of each transfer (minimum $5).

How much is a Citi Rewards+ point worth? ›

The value of Citi ThankYou points is 1 cent when booking travel directly. The value of Citi ThankYou points is 1.3 cents when transferred to partners. You can use your Citi points instead of cash to make purchases on Amazon, but it's not a great redemption.

Is points rewards plus worth it? ›

It is easy to participate in and has helped us save money. I love the added bonus it provides to a regular shopping experience. I love that I get rewarded for being a loyal customer. It helps me afford food for me and my family.

What credit score do you need for Citi Rewards+ Plus? ›

Credit score needed for the Citi Rewards+ Card

But, you'll usually need a good to excellent credit score of at least 670 to be approved for a rewards credit card such as the Citi Rewards+.


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