Credit Cards Credit Card Reviews

Citi Rewards+ Credit Card Review

overall rating
4.2

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If you're looking for a card with no annual fee that will earn good points rewards on groceries and fuel for your car, consider the Citi Rewards+ card. You'll earn 2 points per $1 spent at supermarkets and gas stations, on up to $6,000 in combined spending annually. The card doubles as a decent balance-transfer option, too, with 15 months of 0% APR on transferred balances in the first four months and new purchases.

Citi Rewards+℠

Overall Rating
4.2
Citi Rewards+℠
On Citi's Secured Site.
Current Offer

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.49% - 23.49% variable
Annual Fee $0
Rewards Earning Rate Earn 2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year and 1X points on all other purchases.
INTRO PURCHASE APR 0% for 15 Months
INTRO BALANCE TRANSFER APR 0% for 15 Months
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 3%
how this card stacks up
When compared among all rewards cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best

The Citi Rewards+℠ Card is not one of our top-rated rewards credit cards. You can review our list of the best rewards credit cards for what we think are better options.

Full Review of Citi Rewards+ Credit Card

Pros
  • Good points rewards at supermarkets and gas stations

  • 0% introductory APR on balance transfers and new purchases

  • Get 10% of the points back on the first 100,000 you redeem

  • Points automatically rounded up

Cons
  • Foreign transaction fee

  • Penalty APR applies, perhaps indefinitely

Pros Explained

  • Good Points Rewards at Supermarkets and Gas Stations: With the Citi Rewards+ card, you’ll earn 2 points per $1 spent at supermarkets and gas stations on the first $6,000 you spend each year. After that, you’ll earn 1 point per $1 spent. If you spent $8,000 on groceries per year, then, you’d earn a minimum of 14,000 points, which doesn't include the roundup bonus: 2 points per $1 spent on the first $6,000 in combined spending, then 1 point per $1 spent on the remaining $2,000. Be aware, though, that grocery purchases at superstores like Walmart and Target and wholesale clubs like Sam's Club or Costco will not qualify for the higher supermarket earning rate, and gasoline purchases at these retailers likely won't do so either. 
  • 0% Introductory APR Offer: If you have high-interest credit card debt, transferring its a balance to another card can be a great way to save money and pay off your debt early. With the Citi Rewards+ card, you’ll get a 0% introductory APR for 15 months from the date of your first transfer, giving you over a year to pay down your debt without worrying about interest fees. (The transfer fee, however, is the higher of $5 or 5%, a bigger percentage than is charged by some other balance-transfer cards.) You’ll also get a 0% APR for 15 months on new purchases. That offer can help you spread out the cost of a major purchase, like new appliances for a kitchen renovation, over the course of many months without paying interest. Once the introductory APR offer ends, your APR on any remaining balance will be a typical rate of 13.49% to 23.49%, depending on your creditworthiness.  
  • 10% Points Back: You can get 10% of your points back on the first 100,000 points you redeem per year. If you redeem 15,000 points, then, that means 1,500 of those points will be returned to your account. This perk essentially delivers a 10% increase in the rewards rate, turning the 2 points per $1 earned on gas and groceries into more like 2.2 points once the bonus is factored in. 
  • Points Are Rounded Up: The Citi Rewards+ card is the only credit card that automatically rounds up to the nearest 10 points on every purchase. That’s especially useful in helping you to boost your return on small purchases. For example, purchases of $2 or $4 would be rounded up from 2 or 4 points, respectively, to 10 points, which translates into about $0.10 in value when redeemed.

Cons Explained

  • Foreign Transaction Fee: If you travel internationally or shop online from foreign vendors, pay attention to the foreign transaction fee. This card has a 3% fee on every purchase, which can add to the cost of your purchases—and is higher than for some other cards that levy this fee, at rates such as 2.7%. If you travel often, it may be worth shopping around for another credit card that doesn’t charge at all to process foreign transactions. 
  • Penalty APR Applies, Perhaps Indefinitely: If you are late with a payment or if a payment is returned, you’ll be subject to a penalty APR, as is the case with many, even most, cards. That rate can be as high as 29.99%. By law, if a penalty APR is imposed on a balance, it must be removed and the normal APR restored after you make on-time payments for six months. But some cards, including the Citi Rewards+, specify that the penalty rate might be imposed indefinitely on new purchases after the penalty APR is removed on an old balance. Consider signing up for automatic payments or setting up reminders for yourself to avoid missing payments so you don’t have to worry about the penalty APR. Or consider a card that has no such punitive APR, such as the Citi Simplicity.

This Card is Best For

  • Avatar for Annual Fee Averse Persona
    Resists or refuses an annual fee on principle or due to cost
    Annual Fee Averse
  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist

The Citi Rewards+ is a fine option if you want a card without an annual fee that earns solid points rewards on spending at gas stations and supermarkets. The card is also ideal if you want to take advantage of an introductory APR offer, of 15 months at 0% APR on new purchases and balance transfers. 

However, earning rewards points, and then figuring out how and where to best redeem them, isn’t for everyone. If you prefer simpler rewards, a cash back card like the Amex Blue Cash Preferred might be a better choice. While it has a $95 annual fee, it offers exceptional 6% cash-back rewards for spending at U.S. supermarkets (up to $6,000 in annual spending) and streaming services, a generous 3% rate at U.S. gas stations and transit purchases, and 1% cash back on all other spending. 

Citi Rewards+℠ Credit Card Bonus

With this card, you'll get 15,000 bonus points after spending $1,000 within the first three months of opening an account. If you use your card for essentials like groceries, gas, and to pay your utility bills, you can easily meet that spending requirement and earn the bonus. While other cards have bigger point bonuses, those usually require a bigger spend as well, and the cards often have annual fees.

Each Citi ThankYou point is worth 1 cent each if redeemed for travel or gift cards, so that 15,000-point bonus could be worth $150. However, the cash back redemption rate is 0.50 cents per ThankYou point, which would reduce the value of the bonus to $100.

Rewards Earning Details

With the Citi Rewards+ card, you'll earn 2 points per $1 spent on the first $6,000 spent at supermarkets and gas stations. If you spend $6,000 in those categories, that means you'd earn 12,000 points—a $120 value. After you hit the $6,000 spending limit on those categories, and for all other purchases, you earn 1 point per $1 spent. 

The supermarket spending category does not include purchases made at discount superstores, convenience stores, drugstores, bakeries or wholesale clubs. Not do gas purchases made at any of those outlets qualify for the higher rate. 

Rewards Redemption Details

You can redeem your Citi ThankYou points in a variety of ways, including: 

  • Gift cards
  • Travel arrangements
  • Shop with Points at select online retailers
  • Online bill pay
  • Cash rewards
  • Statement credits
  • Mortgage payments
  • Student loan payments
  • Charitable donations

Your points are generally worth 1 cent each if redeemed for travel or gift cards. That means if you have 10,000 points, you can redeem them for $100. The cash back redemption rate is only 0.50 cents per ThankYou point, however, so that reduce the value of 10,000 points to $50.

Transferring Points

You may be able to get even more value from your points by transferring them to a participating loyalty program if you also carry the Citi Premier or the Citi Prestige card, as either of those cards will unlock the ThankYou Point values and options for the Citi Rewards+ card. However, note that Citi has a more limited number of transfer partners than some other card issuers; there are few domestic airlines, for example, and no hotel chains. In some cases, you can transfer to one partner and use those points to purchase flights on another, as with transferring to Virgin Atlantic, for example, and then buying Delta tickets using Virgin points. But that adds to the hassle and complexity of using points.

If you don't have either the Citi Premier or Citi Prestige cards the Citi Rewards+ card only allows ThankYou Points transfers to JetBlue at a 1:.8 ratio. 

Here are Citi's transfer partners along with their points-transfer ratios, which as you see are 1:1 in all cases except JetBlue:

  • Asia Miles: 1:1
  • Avianca LifeMiles: 1:1
  • Etihad Guest: 1:1
  • Eva Air: 1:1
  • Flying Blue: 1:1
  • JetBlue TrueBlue: 1:08
  • JetPrivilege: 1:1
  • Malaysia Airlines Enrich; 1:1
  • Qantas Frequent Flyer: 1:1
  • Qatar Privilege Club: 1:1
  • Singapore Airlines: 1:1
  • Thai Royal Orchid Plus: 1:1
  • Turkish Airlines Miles & Smiles: 1:1
  • Virgin Atlantic Flying Club: 1:1

How to Maximize Your Rewards

To get the most value from this card, use it for all of your supermarket and gas station purchases, up to $6,000 spent annually. You'll earn 1 point per $1 spent on all other purchases. Over time, those rewards can add up. 

If you regularly make small purchases, such as buying coffee on your way to work, use the Citi Rewards+ card for those items, too. The card automatically rounds up to the nearest 10 points on every purchase, so a $2 cup of coffee would actually earn you 10 points. 

Standard Benefits

With the Citi Rewards+ card, you'll get access to Citi Entertainment. You can purchase tickets to events, including presale tickets, complimentary movie screenings, and sporting event passes. 

Cardholder Experience

According to the 2019 J.D. Power Credit Card Customer Satisfaction study, Citi ranked sixth out of 11 card issuers. Its score was 799, just a few points below the national average for credit-card issuers. 

As a Citi customer, as with most other card companies, you can get help with your card or account 24 hours a day, 365 days a year. Just call 1-800-347-4934. 

Security Features

The card's security features are fairly standard and are not extensive. They include: 

  • Ability to lock your card if it's lost or stolen with Citi QuickLock
  • Free access to your FICO credit score

Our Verdict

A solid 2 points per $1 spent rewards rate on supermarket and gas purchases make the Citi Rewards+ card a useful card for everyday spending. And several bonus features further sweeten your points earnings. Purchases are automatically rounded up to the nearest 10 points, helping you earn more points on small purchases especially. And 10% of your points are returned on every 100,000 you redeem, which essentially boosts earning rates by the same percentage. 

If you're looking to finance a major purchase to transfer high-interest debt, the card offers an attractive 15 months at 0% APR, with the same perk applying to new purchases with the card. That gives you over a year to pay off new and old debts without worrying about interest charges. 

Because you'll only earn 2 points per $1 spent on the first $6,000 you spend at gas stations and supermarkets, it’s a good idea to combine this card with another one that offers a higher rate of return on all purchases. For example, the American Express Cash Magnet card allows you to earn unlimited 1.5% cash back on every purchase you make, and it has no annual fee.

Apply Now
For Citi Rewards+℠
on Citi's Secured Site.
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CURRENT CARD
Citi Rewards+℠
overall rating
4.2
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.49% - 23.49% variable
Annual Fee $0
Rewards Earning Rate Earn 2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year and 1X points on all other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.