Citi Rewards+ Card is an innovative credit card that rounds up points on purchases to the nearest 10, offering an attractive welcome offer and no annual fee.
Keep in mind that Citi has a 24-month rule regarding applying for multiple cards within the same family; thus you may not qualify for this card’s sign-up bonus if you opened or closed any ThankYou point-earning Citi card within this time frame.
1. No annual fee
Citi is one of the largest credit card issuers and offers an array of cards designed to fit virtually every spending agenda. Their Citi Rewards+ card stands out by offering a generous sign-up bonus and competitive earning rates across grocery, gas, dining, and travel purchases – and no annual fee makes paying it off easier!
The card rounds up the points you earn to the nearest multiple of 10, making a purchase that would normally yield 93 points to yield 100, and purchases that normally earn 3 points yield 10 instead. This feature can add up quickly in terms of extra points earned and makes this card highly competitive in certain spending categories.
Notable among its features of this card is its annual return offer: you’ll get back 10% of every 100,000 ThankYou points you redeem each year; that can amount to as much as $100 annually! Taking advantage of such offers allows you to maximize the value of your points.
However, if your goal is to use this card for everyday spending and earn rewards on it, the Citi Premier Card might be more suitable as it offers better bonuses in key travel-related categories and access to more transfer partners.
2. No minimum spending requirement
Although many credit cards require you to meet minimum spending requirements, some don’t. This allows you to make large purchases and pay them off over several months without worrying about additional interest payments.
Citi Rewards+ card stands out from its competition by not imposing a minimum spending requirement each month – this makes earning rewards easier without worrying about meeting an established spend amount each month.
Citi’s card boasts an exceptional rewards program, enabling cardholders to collect points across several categories and redeem them for cash back or transfer to airline partners and hotels. Furthermore, this card comes equipped with attractive benefits, including an introductory APR offer of 0% and annual rebate of up to 100,000 points!
Citi Premier Card stands out among top cards for its generous earning rates across key categories, with three times earnings on airfare, hotels, supermarkets and gas stations, two times dining and takeout and two times non-bonus spending with an option like Citi Double Cash Card for everyday expenses. This card provides an ideal way to boost travel and everyday spending – and can even work together with its sister card Citi Double Cash Card for extra bonuses on spending in other categories!
This card’s annual fee of $95 is also reasonable, while there are no foreign transaction fees – making it an excellent choice for travel. Plus, using it unlocks various perks, like Citi Entertainment access and $0 liability fraud protection!
Citi Rewards+ and the Citi Premier cards both offer competitive points-earning rates, but the latter stands out by providing more benefits. In particular, its travel categories enable you to earn 3x points more efficiently; plus it enables 1:1 transfers between airline partners and hotel partners of ThankYou points; according to frequent flyer site The Points Guy, Citi ThankYou points are valued at an approximate 1.7 cents each when redeemed for airfare compared with some cards with higher sign-up bonuses that offer inferior redemption values (0.6 cents for example).
3. Earn a welcome bonus of 20,000 points after spending $1,500 in the first three months
Citi Rewards+ stands out as an impressive no annual fee card option, boasting an elevated earning rate for categories like supermarkets and gas stations as well as an attractive sign-up bonus. Furthermore, its points can be redeemed at a fair rate (around 1 cent each) for travel redemption, or transferred to other airlines and hotels partners to unlock even greater value.
If you spend a significant amount each year on groceries, gas and takeout food purchases, this credit card could be an ideal solution. Plus it comes with an enticing 0% intro APR offer which could prove particularly advantageous when financing large purchases or paying down debt gradually without incurring interest charges.
This card boasts an above-average earn rate on most spending categories, save for dining and entertainment purchases – though even here, its rate exceeds most cards in its category.
Key feature of this card is its rounding feature, which helps you earn more on a tight budget by rounding purchases to the nearest 10 ThankYou Points. However, its modest earn rate overall may not justify its rounding feature, especially as there’s also a foreign transaction fee attached.
This card offers an attractive welcome bonus of 20,000 points when spending $1,500 within three months – one of the highest bonuses you’ll find among non-premium no annual fee cards and valued at approximately $200. However, in order to reach this threshold you’ll need to be frugal in your spending and make multiple qualifying purchases to reach it; though this card might work for those seeking an easy way to build their credit card rewards stash quickly.
4. No foreign transaction fee
Citi Rewards+ Card’s no foreign transaction fee feature makes it ideal for making travel-related purchases outside the US; however, other travel credit cards provide more features and benefits.
Not everything it offers — such as lost luggage protection or roadside assistance — but what it does provide are generous sign-up bonuses, hotel credits and other perks that may help offset its $95 annual fee.
As well as offering competitive earnings rates for everyday spending categories such as restaurants, supermarkets and gas stations, Points.com provides additional value from your spend than gift cards do. It can help build up your points collection.
Citi makes it simple and effective to transfer ThankYou Points between accounts, which can help maximize redemptions. In addition, there are often promotions available which increase their value up to 25% – plus you can redeem ThankYou Points through its Travel Center for airfare, hotels or other forms of travel!
This card may not offer the largest list of airline and hotel transfer partners, but it still provides some valuable options. You can transfer points at a 1:1 ratio into Avianca LifeMiles, Virgin Atlantic Flying Club and Air France/KLM Flying Blue programs; additionally you may even use these points for purchasing Delta tickets through a partnership agreement between these carriers and Delta itself.
The Citi Double Cash card doesn’t waive its annual fee immediately upon signing, unlike many travel credit cards; but it offers tremendous value in return, especially if combined with points from Citi Premier or Double Cash cards for an extensive redemption portfolio.
5. No annual fee on purchases
Citi Rewards+ card’s no annual fee on purchases makes it a great choice, eliminating another cost in addition to those for goods and services you use regularly. In fact, you could receive 20,000 ThankYou points as a welcome bonus after spending $1,500 within three months!
Citi Premier and Citi Rewards+ cards both earn ThankYou points that can be redeemed for various rewards, such as cash back deposited directly into your account, gift cards, travel bookings or even statement credits. One point can generally be exchanged for one cent when used through the ThankYou Travel Center.
Even though the Citi Premier Card may not offer extra travel rewards, its bonus categories for groceries, dining and gas spending make up some of the most common household budget items. Plus, its 3X earnings on these expenses outstrip those found with premium travel cards like Citi Prestige or Chase Sapphire Preferred!
Citi Premier Card may offer additional perks that may make it a better fit than its rivals for some travelers, such as providing a $100 hotel savings credit when booking stays of $500 or more through its travel portal.
Use this card to pay for goods and services you wouldn’t normally be able to buy with credit, such as home improvement projects or professional services. Plus, set recurring payments on it if managing bills becomes an ongoing need!