Citi Rewards+^® Card Review – 20,000 Bonus Points and Big Rewards

Overview

Citi Rewards+^® Card, issued by our partner Citibank, stands out as a distinctive personal card that consolidates several appealing features. New card members receive a modest bonus of 20,000 points, redeemable for $200 cash, and cardholders are rewarded for everyday purchases. Additionally, the card provides a 0% introductory APR on both purchases and balance transfers for a generous 15 months. Notably, these benefits are packaged without an annual fee. If you’re in search of a no-annual-fee credit card that allows you to earn commendable rewards on your routine expenses, Citi Rewards+ Card is a favorable option to consider.

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Citi Rewards+^® Card

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Plus, as a special offer, earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
• 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 17.99% - 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Earn 2X ThankYou^® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou^® Points on All Other Purchases.
• The Citi Rewards+^® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
• No Annual Fee

Intro APR

0% on Purchases and Balance Transfers

Intro APR Period

15 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good

Card Benefits

Sign-up Bonus

If you spend at least $1,500 in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 20,000 ThankYou Points, which can be redeemed for $200 in cash rewards or gift cards at thankyou.com.

How to Earn Rewards

For a limited time, you will earn 5 ThankYou Points per dollar spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel Portal through December 31, 2025. And you will also earn 2 ThankYou Points for every dollar you spend at supermarkets and gas stations for the first $6,000 per year and 1 point per $1 spent thereafter. For all other purchases, you will still earn 1 ThankYou Point for every dollar you spend.

For example, if you spend $6,000 on gas, $6,000 on groceries, $12,000 on everything else in a year, you will receive 36,000 ThankYou rewards points, redeemable for $360 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

Rounding up Rewards to the next 10 Points

Your rewards actually round up to the nearest 10 points on every purchase – with no cap. For example, you earn 10 points for a $2 purchase of coffee and earn 30 points for a $21 lunch. It means that in most circumstances, you will earn more rewards than the baseline rewards rates of 2 points per dollar for gas and groceries, and 1 point per dollar for everything else.

How to Redeem Rewards

Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for $25. There are a wide variety of popular gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem the bonus points for a gift cards of your favorite retail store or restaurant.

Annual 10% Points Back

The Citi Rewards+^® Card lets you receive 10% points back for the first 100,000 ThankYou® Points that you redeem per year. For example, if you redeem 15,000 points for the year, you get 1,500 points back, which can be redeemed later.

Additional Information

Fees and 0% Intro APR

This credit card has no annual fee. You can keep the card without having to pay an annual fee. It also lets you enjoy 0% introductory APR on purchases and qualified balance transfers for 15 months. After the intro period ends, the go-to rate of 17.99% - 27.99% (variable) applies. You can use it to carry a credit-card balance and pay no interest for an extended period of 15 months, as long as you make the monthly minimum payments.

Required Credit Rating

The Citi Rewards+^® Card is for people with good or excellent credit scores.

Is this the right card for you?

If you are looking to earn straightforward rewards with well-rounded benefits, the Citi Rewards+^® Card is one of the best credit cards for you. It offers a generous bonus of 20,000 points, redeemable for $200 cash, and up to 5X rewards on purchases. It is the only credit card that automatically rounds up to the nearest 10 points on every purchase. It also lets you earn 10% bonus rewards points for the first 100,000 ThankYou Points you redeem per year. In addition, the Citi Rewards+^® Card has no annual fee.

Similar Credit Cards

If you are interested in the Citi Rewards+^® Card, you may also consider a few other credit cards with similar benefits.

Travel Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier℠ Card	For a limited time, earn 75,000 bonus ThankYou Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	$95

Gas Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Costco Anywhere Visa® Business Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

Grocery Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.	$0 intro annual fee for the first year, then $95. rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees

No Annual Fee Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.	$0 rates & fees