The Citi Rewards+® Card earns okay rewards and doesn’t have many additional benefits, but its unique earning features are what set it apart. With both a round up to the nearest 10 points option and a Points Back feature, the card is truly rewarding. Still, it may not be enough to make up for the additional complexity of keeping track of another credit card and rewards system.

Why We Like It

With Round Up to the nearest 10 points, a $2 coffee purchase earns 10 ThankYou Points where it would otherwise earn 2, and a $12 meal purchase earns 20 ThankYou Points where it would otherwise earn 12. With the Points Back feature, the card returns 10% of ThankYou Points redeemed, up to the first 100,000 points redeemed per year. So if you redeem 15,000 ThankYou Points, you’ll get 1,500 points back.

Keep in mind that if you have multiple ThankYou Points-earning cards, you can combine your earnings in a single account. This means your Citi Rewards+ points can become transferable to Citi’s full list of travel partners if you also hold the Citi Strata Premier.

The introductory APR offer may also appeal to some: a 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 18.74% – 28.74%, based on your creditworthiness. An intro balance transfer fee of either 3% of each transfer or a minimum amount of $5 within the first 4 months of account opening applies. After that, the amount of each balance transfer will be 5% of each transfer (minimum $5) applies.

What We Don’t Like

Statement credit or straight cash-back redemptions are worth less than 1 cent per point. And the card charges a 3% foreign transaction fee.

Who It’s Best For

The Citi Rewards+® Card is best suited for serious ThankYou® Points enthusiasts. If you aren’t, consider choosing from one of the other top rewards credit cards instead.

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Last Update: June 25, 2024

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