Citi Rewards Card

By Raquel Oliveira • 04/04/2025

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

The Citi Rewards Card is a practical option for individuals who want to earn points on everyday purchases without dealing with complicated rewards programs. It provides a straightforward way to accumulate and redeem points.

With features like 5X points on travel booked through CitiTravel.com and a round-up system that increases points on small purchases, cardholders can maximize their rewards efficiently. These benefits make it easy to earn points on regular spending.

A major advantage of this card is the absence of an annual fee, ensuring that users can earn rewards without incurring extra costs. Whether shopping, fueling up, or booking trips, this card transforms daily expenses into valuable rewards.

For those who seek a reliable and flexible rewards program with simple redemption options, the Citi Rewards Card is a strong choice that caters to a variety of spending habits and financial goals.

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

Before applying for the Citi Rewards Card, it is essential to weigh both its benefits and potential drawbacks to determine if it aligns with your financial goals.

Pros:

• Earn 5X points on travel when booking through CitiTravel.com, maximizing rewards for travelers.
• Small purchases round up to the nearest 10 points, allowing users to accumulate points faster.
• No annual fee, ensuring that users can enjoy benefits without additional costs.

Cons:

• Travel perks are limited compared to premium travel credit cards, reducing appeal for frequent travelers.
• Bonus points on supermarkets and gas stations have a yearly cap, which may limit earnings.
• Fees apply for balance transfers, which may make the card less attractive for debt consolidation.

By reviewing these aspects, potential applicants can decide whether this card matches their spending habits and financial needs.

How Do I Know if the Citi Rewards Card is Right for Me?

Selecting a credit card should be based on individual spending patterns. If your expenses frequently include supermarkets, gas stations, or travel services, this card offers a convenient way to earn points on daily transactions.

For those who want to accumulate rewards quickly while avoiding annual fees, the Citi Rewards Card provides a simple and effective points system. The round-up feature makes it particularly beneficial for those who make frequent small transactions.

However, if you are looking for premium travel perks such as airport lounge access or high-value cashback rewards, this card may not meet those expectations. It focuses on simple, everyday rewards rather than luxury benefits.

If your primary goal is to earn points on daily purchases and occasional travel, this card presents a solid option that balances rewards with affordability and convenience.

Why Do We Like This Card?

The Citi Rewards Card stands out due to its simplicity and efficiency in earning points. The round-up feature ensures that even the smallest purchases contribute to rewards, making it an appealing option for frequent users.

One of the best features of this card is its 5X points on travel booked through CitiTravel.com, which allows cardholders to earn more on vacations and business trips while keeping redemption options flexible.

The absence of an annual fee is another strong advantage, enabling users to earn points without incurring additional costs. Furthermore, the ability to redeem points for travel, gift cards, shopping, and statement credits enhances its overall usability.

For individuals looking for a practical, easy-to-use credit card with a rewarding points system, the Citi Rewards Card is a well-rounded choice that offers great value for everyday use.

Conclusion for Citi Rewards

The Citi Rewards Card is an excellent option for individuals who want a simple yet effective way to earn points on everyday purchases. With 5X points on travel booked through CitiTravel.com, it offers great value for travelers and frequent spenders alike.

The round-up feature and no annual fee make it a practical and accessible choice for those who prefer a straightforward rewards program. It provides the flexibility to redeem points in multiple ways, enhancing its usability and convenience.

While it lacks premium travel benefits, its ease of use, affordability, and flexible rewards structure make it a strong contender in the credit card market.

For those looking for a no-annual-fee card that helps earn points on both travel and daily expenses, the Citi Rewards Card is an excellent option.