Citi Rewards+

Credit Card

Citi Rewards+

No annual fee Intro APR period

The only credit card that automatically rounds up to the nearest 10 points on every purchase

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Choosing the right credit card can significantly enhance your financial strategy, especially when it comes to earning rewards on everyday purchases. The Citi Rewards+ card is designed to maximize your rewards potential by rounding up every purchase to the nearest 10 points. This unique feature ensures that you earn more points on every transaction, big or small.

The Citi Rewards+ card stands out for its simplicity and effectiveness in accumulating points. Whether you’re buying groceries, filling up your gas tank, or dining out, every purchase you make is rounded up, allowing you to accumulate points faster than with other cards.

Besides the round-up feature, the Citi Rewards+ card offers 10% points back on the first 100,000 points redeemed each year. This benefit enhances the value of your rewards, allowing you to get more out of your spending. Let’s explore how these features can benefit you in more detail.

The Power to Maximize Every Purchase with Round-Up Rewards

The standout feature of the Citi Rewards+ card is its unique round-up policy. Every purchase you make is rounded up to the nearest 10 points, ensuring that even small transactions earn you more points. For example, if you spend $2.50 on a coffee, you earn 10 points instead of just 2 or 3.

Additionally, the Citi Rewards+ card offers 2x points at supermarkets and gas stations on the first $6,000 per year, then 1x points thereafter. This is in addition to the round-up feature, making it an excellent choice for those who spend heavily in these categories. The combination of the round-up policy and category bonuses means you can maximize your rewards with everyday spending.

Another benefit is the 10% points back on the first 100,000 points you redeem each year. This effectively increases the value of your rewards, giving you more for your points. For instance, if you redeem 10,000 points, you get 1,000 points back, enhancing the overall value proposition of the card.

Pros and Cons

Pros

• Unique round-up feature maximizes points on every purchase.
• 2x points at supermarkets and gas stations on the first $6,000 per year.
• 10% points back on the first 100,000 points redeemed each year.

Cons

• Points earning rate drops to 1x after the first $6,000 at supermarkets and gas stations.
• Redemption options may be limited compared to other rewards cards.
• Requires good to excellent credit for approval.

How do I know if Citi Rewards+ is the best credit card for me?

Choosing the Citi Rewards+ card depends on your spending habits and rewards goals. If you frequently make small purchases, the round-up feature can significantly enhance your points accumulation. This is particularly beneficial for those who want to maximize rewards on everyday transactions like coffee runs, small groceries, and other minor expenses.

However, it’s essential to consider the redemption options and whether they align with your needs. While the 10% points back is a valuable benefit, ensure that the available redemption options (such as travel, gift cards, or statement credits) match your preferences.

Why do we like this card?

We like the Citi Rewards+ card because it offers a unique and straightforward way to maximize rewards on everyday purchases. The round-up feature ensures that even the smallest transactions earn more points, making it easier to accumulate rewards quickly.

Additionally, the 2x points at supermarkets and gas stations provide a substantial earning potential for those who spend heavily in these categories. Combined with the round-up policy, this makes the card highly rewarding for everyday use, especially for families and individuals with significant grocery and gas expenses.

Finally, the 10% points back on the first 100,000 points redeemed each year enhances the overall value of the card. This benefit effectively increases the value of your points, giving you more rewards for your spending. With no annual fee, the Citi Rewards+ card offers excellent value and is a strong contender for those looking to maximize their rewards without extra costs.