Citi Rewards Card

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The Citi Rewards Card is designed to make your everyday purchases more rewarding.

Credit Card
Citi Rewards Card
2x points No annual
Flexible points
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With a unique feature that rounds up your rewards to the nearest 10 points on every purchase, this card ensures you get the most out of every dollar spent.

Whether you’re buying coffee, groceries, or gas, the Citi Rewards+® Card turns small purchases into big opportunities for rewards.

Add in no annual fee and flexible redemption options, and you’ve got a card that’s both practical and rewarding.

Let’s take a closer look at why the Citi Rewards+® Card is a standout option for everyday spenders.

Earn More with Every Purchase

The Citi Rewards+® Card offers 2X points at supermarkets and gas stations (up to $6,000 in annual spending) and 1X points on all other purchases.

What makes this card unique is its rounding feature: every purchase is rounded up to the nearest 10 points, no matter the size.

For example, a $2 purchase earns 10 points instead of 2, making it especially rewarding for small, frequent transactions.

Your points are added to Citi ThankYou® Points, which can be redeemed for travel, gift cards, statement credits, and more. With no annual fee, it’s an affordable way to earn consistent rewards without hidden costs.

Pros and Cons

Pros

  • 2X points at supermarkets and gas stations (up to $6,000 annually).
  • 1X points on all other purchases.
  • Rounds up rewards to the nearest 10 points on every purchase.
  • No annual fee.

Cons

  • 2X points are capped at $6,000 annually for supermarkets and gas stations.
  • Rewards redemption is tied to Citi ThankYou® Points.
  • High APR for carried balances.

How Do I Know If the Citi Rewards+® Card Is the Best Credit Card for Me?

The Citi Rewards+® Card is an excellent choice for individuals who want to maximize rewards on everyday spending.

The rounding feature makes it particularly beneficial for small purchases, turning even the smallest transactions into meaningful rewards.

If you frequently spend on groceries and gas, the 2X points on these categories add even more value, making it a practical card for daily use.

However, if you’re looking for higher rewards on luxury or travel-specific spending, this card might not meet all your needs. It’s best suited for those focused on earning rewards from everyday purchases.

Why Do We Like This Card?

We like the Citi Rewards+® Card for its unique ability to round up rewards, ensuring that every purchase counts.

The 2X points at supermarkets and gas stations add extra value for routine expenses, while the no-annual-fee structure makes it accessible to everyone.

The flexibility of Citi ThankYou® Points adds another layer of appeal, allowing you to use rewards for travel, gift cards, or statement credits.

For anyone looking for a card that enhances their everyday spending, the Citi Rewards+® Card is a great option.

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