No annual fee credit card that enables you to maximize the points you earn with everyday purchases, with supermarket and gas station purchases earning 2x ThankYou points (up to $6,000 spent annually, then 1 point).
This card offers an innovative round-up feature to make everyday purchases even more rewarding, as well as offering 10 percent back for every 100,000 points redeemed annually as an added incentive.
1. No annual fee
Citi Rewards+ Card is an ideal everyday credit card for those who want to quickly amass ThankYou points without exerting too much effort. It boasts high earning potential in grocery and gas categories, a generous welcome offer, no annual fee and spending roundups which maximize small purchases’ worth.
One of the card’s hallmark features is its automatic rounding up of points to the nearest 10, for example a $4 cup of coffee will now earn 10 points instead of 3. This feature can quickly accumulate and help you reach your redemption goals more rapidly.
Another benefit of redeeming up to 100,000 points annually is receiving 10 percent back – equivalent to $100 or more in gift cards! Furthermore, 2X points at supermarkets and gas stations for the first $6,000 spent annually as well as 1X on other purchases can also be earned with this card.
This card does not rotate categories, enabling you to focus on spending areas you frequent most often and doesn’t charge an annual fee, an attractive option for many responsible credit card users.
Citi Rewards+ card can be an ideal companion for everyday spending, particularly if you are a big spender who does not wish to switch categories every time they shop. With its rounding up feature for small purchases and 10 percent point back when redeeming over 100K each year redeemed, this card makes small purchases easier while offering 10 percent back on 100k worth redeemed annually as an added incentive. Unfortunately it isn’t perfect and other no annual-fee options provide richer earnings and benefits – these restrictions may make other cards better choices more suitable when traveling or purchasing expensive purchases than using one with larger earnings and benefits offered by this one – however these restrictions make using other cards more worthwhile when making larger-ticket purchases such as travel or big ticket items such as high ticket purchases or travel related purchases.
2. 0% introductory APR
Citi Rewards+ card is an ideal everyday card, earning points quickly for everyday spending and offering some other notable perks. However, for more robust rewards programs or flexible benefits you should explore other cards with longer intro 0% APR periods or bonus categories that align more closely with your spending patterns.
Citi’s no-fee Rewards+ card stands out from the pack by offering 2X ThankYou Points at supermarkets and gas stations up to an annual spending cap of $6,000 (then 1X), as well as 1X on all other purchases. What sets it apart from its peers, however, is its round-up feature, which automatically multiplies any earned points by 10. For example, when purchasing a $2 cup of coffee you will earn 10 ThankYou Points instead of 8.
Citi Travel Card’s no foreign transaction fees policy makes it ideal for frequent international buyers; this perk makes the card highly appealing for frequent travelers or anyone making international purchases frequently. However, other no-fee cards offer wider transfer partners and greater value per point than what can be found through Citi Travel.
Citi Rewards+ stands out from its competition with its competitive 0% introductory APR offer and generous anniversary gift of up to $100 of rewards every year, making this card particularly appealing to everyday spenders. However, because most credit cards offer these anniversary rewards packages and you should make sure it fits with your lifestyle before applying – check its terms and conditions, compare it against similar cards in your wallet, as well as assess any spending habits you might have before deciding if Citi Rewards+ is suitable.
3. Points are rounded up
Citi Rewards+ Card stands out by rounding purchases up to the nearest 10 points, making even small purchases like coffee feel more rewarding and is an attractive feature of no-fee credit cards, although this may not make up for their low earning rates.
The card offers 2x points on dining and entertainment purchases and 1x on all other purchases – providing an incentive for moderate spenders. Unfortunately, redemption options – such as shopping at partner retailers like Amazon or Best Buy with your points – all net less than a cent in value per point, and there is a disincentive lack of Citi airline transfer partners which may limit travel rewards offered through this card.
Another excellent alternative to the Citi Rewards+ Card is pairing it with another ThankYou Points-earning card such as the Citi Premier Card, which offers 2x Earn ThankYou Points when booked through Citi’s travel portal and has a generous spending cap. Combined together, your points could provide more earning coverage across your purchases.
This strategy can also be useful for those new to credit cards, as it helps quickly increase your point balance. Just be wary about carrying any unpaid balance as any interest charges may apply; for instance, Citi Rewards+ Card comes with an introductory 0% APR on purchases and transfers for 24 months before switching over to standard purchase and balance transfer APRs of 16.99%-24.999% variable rates which you can find more details for on our Citi credit cards page.
4. No foreign transaction fees
Citi Rewards+ card provides an innovative way to build up your point balance. When making purchases with Citi, points will be rounded up to the nearest 10 points; so for a $2 purchase you would earn 10 points and for $43 it would round up to 50. In addition, 2X points can be earned on up to $6,000 of supermarket and gas station spending per year! Other notable benefits of the card include accessing Citi Entertainment (pre-sale tickets and exclusive experiences for concerts, sporting events and dining) as well as 10% back from redemption (excluding sharing).
Consumers looking for an easy, no-fee card that provides additional value on everyday purchases should give this one some consideration; however, other cards may offer higher earnings and redemption options than the Citi Rewards+ card.
If you’re in search of a card that will give you 2% cash back on all purchases, numerous options exist, including the Wells Fargo Active Cash card. Plus, if you want an incentive with up to 12x rewards on groceries and gas spending each year.
Citi Rewards+ credit cards feature low earning rates outside of supermarket and gas station categories and charge a 3% foreign transaction fee on international purchases, making them suitable for occasional travel abroad; however, frequent international shoppers might benefit more from using a card with no foreign transaction fees, like Capital One Savor Cash Rewards credit card.
5. Bonus categories
If you want an effortless way to earn rewards on everyday spending, Citi Rewards+ could be an ideal card. Its “round up feature” ensures that any small purchases (such as buying coffee for $3.) earn at least 10 points in rewards.
This card also offers some unique perks. All online spending earns bonus points, unlike many other credit cards which use a “blacklist” approach where only certain transactions qualify for bonuses (like DBS Woman’s World Card, HSBC Revolution and UOB Preferred Platinum Visa).
Unfortunately, this means the Citi Travel Card won’t be as lucrative for online shopping than some others due to its lower rewards rate of only one point per $1 spent compared with 1.21 points/miles on average rewards cards. You may still redeem ThankYou points through Citi’s travel portal but at only 1 cent per point redemption value; making redemption less appealing compared with some other cards.
Citi Rewards+ may be the best card for people who focus on grocery and gas purchases each year (and can take advantage of its limited-time welcome offer), but other cards with higher earnings rates and fewer restrictions may provide better rewards value than it does; Citi Premier provides one such example. Its 3X categories provide better rewards value while its 2% cash back rate across spending is perfect for cardholders looking to avoid annual costs; plus it doesn’t come with an annual fee! For other options to help find you your ideal credit card please see our guide on finding it here!