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The Citi Rewards+® Card puts an interesting twist on earning rewards with its round-up feature. The number of points you earn on purchases automatically rounds up to the nearest 10 points. That makes this card excellent for smaller purchases, but big spenders may be disappointed with its bonus categories. Get all the pros and cons in our full Citi Rewards+® Card review.
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.74% - 28.74% (Variable)
Rewards 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year, 1X ThankYou® points on other purchases
1x - 2x points
Annual Fee
$0
Welcome Offer 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. Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
20,000 points
A well-rounded set of perks makes this card a solid choice, but the rewards program is lacking compared to the competition.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 20.24%, 25.24%, or 29.99% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 28.24% Variable APR |
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Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 19.24% - 29.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
This credit card is a good fit for: Consumers who make plenty of small purchases and can take advantage of this card's unique round-up feature.
This Citi rewards card has quite a few notable benefits.
You earn a sign-up bonus of 20,000 points after spending $1,500 in the first 3 months. Points are redeemable at a rate of $0.01 per point for gift cards or travel rewards with Citi, giving this welcome bonus a value of $200. That's one of the larger bonus amounts for a no annual fee card.
SEE MORE: Best Sign-Up Bonus Credit Cards
The Citi Rewards+® Card earns:
Rewards are also rounded up to the nearest 10 points on every purchase. For example, a $0.75 purchase that earns 1 point would be rounded up to 10 points. A $22 gas station purchase that earns 44 points would be rounded up to 50 points. While this is a good benefit for purchases at any price point, it's especially valuable on smaller purchases that otherwise would only earn a few points.
This card earns 5 points per $1 on hotels and car rentals booked on the Citi Travel portal through Dec. 31, 2025.
This Citi credit card has a 0% intro APR for 15 months on purchases and balance transfers. You must make balance transfers within the first four months of account opening for the 0% intro APR to apply.
The intro rate makes this card more useful. In addition to its rewards, it's also one of the better 0% intro APR credit cards. You could use it to pay off purchases over up to 15 months interest free or to get a lower rate on any credit card debt you have.
You'll get 10% back on the first 100,000 points that you redeem per calendar year. If you max this out by redeeming 100,000 points, you'll get 10,000 points back. This is another unique feature we don't see on too many rewards credit cards.
This card earns Citi ThankYou points. There are multiple ways to redeem your points, including travel bookings with Citi and gift cards. What makes it even better is that if you have a travel rewards card with Citi, you can move your ThankYou points from your Citi Rewards+® Card to that travel card. By doing that, you can unlock additional redemption options, such as transferring points to Citi's travel partners. Citi travel cards include:
So, you could use the Citi Rewards+® Card to max out your rewards on small transactions through its round-up feature. You could then potentially get more out of those points by moving them to a Citi travel card and transferring them. It's a more advanced strategy, but it's well worth it for frequent travelers.
LEARN MORE: A Complete Guide to Citi ThankYou Points
This rewards credit card from Citi has a few areas where it could get better.
The Citi Rewards+® Card normally only has two bonus categories where it earns 2 points per $1. That falls short of what other cards offer. There are plenty of top credit cards that have more bonus categories and higher bonus rates of 3%, 4%, or more. The only way you'll get more value from this card is if you know you'll earn lots of points from its round-up benefit.
It's not a good idea to use this card for international purchases. It charges a 3% foreign transaction fee. If you like to travel abroad, check out other credit card reviews for cards that don't have this type of fee.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
A FICO® Score of 670 or higher is recommended when applying for the Citi Rewards+® Card. Most successful applicants have credit scores that land them in the good credit to excellent credit ranges. That being said, there are other factors that come into play, as well. Your credit score isn't the only thing that determines whether your application is approved or denied.
RELATED: How to Build Credit Fast
You use your credit card frequently for small transactions. If you're the type to buy a $3 coffee here, a $12 lunch there, and other inexpensive items throughout the day, the Citi Rewards+® Card could earn you quite a few extra points through its round-up feature. If not, you may prefer a more traditional rewards credit card with higher rewards rates.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
The Citi Rewards+® Card could be a good choice if you frequently make small purchases. If so, this card's round-up feature could boost your rewards quite a bit. But it doesn't have the best bonus categories, so compare what it earns to other rewards cards before making your decision.
The Citi Rewards+® Card rounds up your rewards to the nearest 10 points on every purchase. For example, if you make a purchase that earns 5 points, it gets rounded up to 10 points.
For applicants with good credit, the Citi Rewards+® Card typically isn't hard to get. A credit score of 670 or higher is recommended to qualify for this card, although that doesn't guarantee approval.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The Motley Fool owns shares of and recommends Mastercard.