Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
The Citi Rewards+® Card is a rewards card that earns bonus ThankYou Points on a limited amount of spending at supermarkets and gas stations. The card carries no annual fee.
The card offers 2x ThankYou Points on up to $6,000 of spending per year about of purchases at supermarkets and gas stations, then 1 ThankYou Point per dollar. Through June 30, 2024, you can get a total of 5 ThankYou Points on hotel car rentals and attractions when you book through Citi Travel.
The Rewards+ is most interesting for its 10% point rebate on your first 100,000 ThankYou Points that you redeem each year. If you hold the Citi Rewards+® Card, you’ll receive this point rebate when you redeem point from any of your cards that offer ThankYou points. This feature makes is an excellent companion to other cards that earn ThankYou points.
Get the Citi Rewards+® Card welcome bonus
Citi Rewards+® Card: bonus_miles_full
Our take on the welcome bonus: We don’t know of Citi offering a larger welcome bonus on this card. If you’re in the ThankYou Points ecosystem, so there’s no reason to wait if you’re considering this card.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
Card highlights:
Annual fee: $0
Rewards: 5x on hotels and car rentals booked through Citi Travel through June 30, 2024. 2x at supermarkets and gas stations for the first $6,000 per year, then 1x. 1x on other purchases.
Citi Rewards+® Card at a glance
Here’s what you need to know about the Citi Rewards+ credit card.
Rewards
| Hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024. | 5x | |
| Supermarkets | 2x* | |
| Gas stations | 2x* | |
| All other purchases | 1% |
*2x points at supermarkets and gas stations for the first $6,000 per year and then 1x points.
Benefits
| Consumer insurance benefits Damage and theft purchase protection Citi extended warranty | |
| Reward benefits Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year. |
Other important terms
| Annual fee: $0 | |
| Foreign transaction fee: 3% |
Welcome bonus
Get the Citi Rewards+® Card welcome bonus
Citi Rewards+® Card: bonus_miles_full
Our take on the welcome bonus: We don’t know of Citi offering a larger welcome bonus on this card. If you’re in the ThankYou Points ecosystem, so there’s no reason to wait if you’re considering this card.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
Card highlights:
Annual fee: $0
Rewards: 5x on hotels and car rentals booked through Citi Travel through June 30, 2024. 2x at supermarkets and gas stations for the first $6,000 per year, then 1x. 1x on other purchases.
Citi Rewards+ rewards
The Citi Rewards+ card earns rewards as ThankYou points. The card awards 1 point per dollar spent on general purchases, plus 2x rewards on a limited amount of spending in select categories. Here are the details:
| Bonus category | Earnings | What’s included |
|---|---|---|
| Supermarkets | 2x on up to $6,000 in spending per year | Supermarkets only. Online supermarkets are included if they classify purchases using the supermarket merchant code. |
| Gas stations | 2x on up to $6,000 in spending per year | Gas stations only. You won’t earn 2X Points for fuel purchased for commercial purposes or used for non-automobile purposes. You also won’t earn 2X Points if the merchant does not classify itself as a gas station by using the gas station merchant code. |
| Hotels and car rentals booked through the Citi TravelSM portal | 5x | Limited time offer valid through June 30, 2024. |
| All other purchases | 1x |
The points you earn with your Citi Rewards+® Card can be redeemed directly for gift cards and travel rewards. Other less-valuable redemption options include Shop with Points and Pay with Points. But Citi ThankYou Points offers synergies that make your points more valuable when you hold a combination of Citi ThankYou Points cards. Holding any other available ThankYou Points card opens up the opportunity to redeem your ThankYou Points for cash back.
Citi ThankYou Points synergies
When you combine your Citi ThankYou® Rewards accounts, you can take advantage of the benefits of each of your cards across all of the ThankYou® Points that you earn. Cards that earn ThankYou Points include the Citi® Double Cash Card, Citi Rewards+® Card, Citi Custom Cash℠ Card, and Citi Premier® Card.
When you hold the no-annual-fee Citi Rewards+® Card, you earn a 10% rebate on the first 100,000 ThankYou Points you redeem each year. If you redeem 50,000 ThankYou Points for an award, you’ll get 5,000 bonus ThankYou points in your account automatically.
The Citi Rewards+® Card does not allow redemptions for cash back on its own. But if you hold another no-annual-fee ThankYou Points card like the Citi® Double Cash Card or Citi Custom Cash℠ Card, you can redeem your ThankYou Points for cash back. Cash back redemptions are also available when you hold the $95 annual fee Citi Premier® Card.
Holding the $95 annual fee Citi Premier® Card enables you to transfer your points to any of Citi’s ThankYou Points transfer partners, which include several hotels chains and global airline programs. Point transfers to travel partners are one of the best ways to get increased value from your points.
For more on point transfers, see our Guide to ThankYou Points.
Should you keep the Citi Rewards+ card after the first year?
The Citi Rewards+® Card’s rewards are lackluster, so you’ll probably want to use other cards for ongoing spending. Yes, you can keep this no-annual-fee credit card open to build your credit, but there is one good reason to keep this card open if you have other credit cards that earn ThankYou points.
If you combine your ThankYou Points accounts, just having the Citi Rewards+® Card open will mean you get an additional 10% rebate on the points you redeem during the year. This is probably the best justification for keeping this card open. Just having the card open could mean that you earn 10,000 points when you redeem 100,000 ThankYou points earned on other cards. The 10% Points Back award is limited to the first 100,000 of ThankYou points that you redeem during the year.
Benefits of the Citi Rewards+ card
Damage and theft purchase protection. If an item you purchase with your credit card is damaged or stolen within 90 days of purchase or delivery, you may be covered by up to $1,000 per incident for damage or theft. Terms apply.
Extended warranty. Citi’s excellent Extended Warranty benefit offers up to an additional 24 months of warranty protection on eligible purchases. Read more about this benefit in our coverage of the Citi Extended Warranty benefit.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.