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If you don’t use a credit card for small purchases, now may be the time to start. The Citi Rewards+® Card, from our partner Citi, provides a unique feature — all purchases round up to the nearest 10 points. That means if you purchase a $2 coffee, you earn 10 points, and if you spend $12 on lunch, you earn 20 points.
Plus, if you’re looking to save on interest charges for a big purchase or to move high-interest debt over from another card, the Citi Rewards+® Card comes with an intro APR deal on purchases and balance transfers of 0% for 15 months, after which a 13.49% - 23.49% (variable) APR applies. Know that there is balance transfer fee of There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening..
We review where the Citi Rewards+® Card stands out and falls short, and how it compares to another popular Citi card, the Citi® Double Cash Card – 18 month BT offer.
Intro Purchase APR
0% for 15 months
Regular Purchase APR
13.49% - 23.49% (Variable)
Intro BT APR
0% for 15 months
Regular BT APR
13.49% - 23.49% (Variable)
Annual Fee
$0
Cash Advance Fee
5% of cash advance; $10 minimum
Foreign Transaction Fee
3%
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
Sign-up bonus
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.
Annual fee
The Citi Rewards+® Card charges a $0 annual fee.
Intro APR on purchases and balance transfers
The Citi Rewards+® Card comes with an intro APR of 0% for 15 months on purchases. After that, an ongoing APR of 13.49% - 23.49% (variable) applies. Cardholders also receive an intro APR of 0% for 15 months on balance transfers, then an ongoing APR of 13.49% - 23.49% (variable).
Purchases round up to the nearest 10 points
Your purchases will be rounded up to the nearest 10 points, with no cap. For example, a $3 snack purchase will earn 10 points, while an $18 lunch will earn 20 points.
Additionally, receive 10% of your points back for the first 100,000 ThankYou® Points you redeem each year. For example, if you redeem 15,000 points, you’ll get 1,500 back.
Cap on higher rewards rate
You can only earn the higher rewards rate on the first $6,000 spent in bonus earning categories each year with the Citi Rewards+® Card. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Low rewards rate on general purchases
Purchases made outside of supermarkets and gas stations earn a subpar 1 ThankYou Point per dollar spent. The roundup feature helps offset the low rewards rate, but there are rewards cards available, such as the Citi® Double Cash Card , that offer higher rates on general purchases (more details below).
The Citi® Double Cash Card sets the standard for flat-rate cashback cards — earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
This is a better rewards rate on all your spending compared to the Citi Rewards+® Card, but you can see increased rewards earning potential when using both cards side-by-side.
For example, purchases above $5 could be made with the Citi® Double Cash Card , while spending less than $5 should be charged to the Citi Rewards+® Card. The exceptions are purchases made at supermarkets and gas stations. The first $6,000 spent a year in these categories should be on the Citi Rewards+® Card, and after hitting the annual maximum, spending above $5 should be on the Citi® Double Cash Card and less than $5 on the Citi Rewards+® Card.
This allows small purchases to benefit from the Citi Rewards+® Card’s rounding up to the nearest 10 points, and more sizeable purchases to benefit from the Citi® Double Cash Card ’s higher rewards rate on general purchases.
Looking beyond rewards, the Citi® Double Cash Card provides a slightly longer intro APR of 0% for 18 months on balance transfers, then a regular APR of 13.99% – 23.99% (variable). That said, the card has no intro APR on purchases. So if you want to finance a large purchase over several months, you may want to consider the Citi Rewards+® Card’s intro APR of 0% for 15 months on purchases, then 13.49% - 23.49% (variable) APR.
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| Citi Rewards+® Card | Citi® Double Cash Card – 18 month BT offer | Capital One Quicksilver Cash Rewards Credit Card | Chase Freedom Unlimited® |
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Apply Now on Citibank's secure site
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Apply Now on Citibank's secure site
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Apply Now on Capital One's secure site
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Apply Now on Chase's secure site
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| Annual Fee | |||
| $0 | $0 | $0 | $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 | No bonus | One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. |
| Rewards Rate | |||
| Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. | 1.5% Cash Back on every purchase, every day | Earn 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases. |
| Intro Purchase APR | |||
| 0% for 15 months | N/A | 0% intro on purchases for 15 months | 0% Intro APR on Purchases for 15 months |
| Regular APR | |||
| 13.49% - 23.49% (Variable) | 13.99% – 23.99% (Variable) | 14.99% - 24.99% (Variable) | 14.99% - 24.74% Variable |
| Intro Balance Transfer Rate | |||
| 0% for 15 months | 0% for 18 months on Balance Transfers | 0% intro on balance transfers for 15 months | 0% Intro APR on Balance Transfers for 15 months |
| Regular Balance Transfer Rate | |||
| 13.49% - 23.49% (Variable) | 13.99% – 23.99% (Variable) | 14.99% - 24.99% (Variable) | 14.99% - 24.74% Variable |
| Balance Transfer Fee | |||
| There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. | There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. | 3% | Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater. |
| Recommended Credit | |||
| Excellent/Good | Excellent/Good | Excellent/Good | Excellent/Good |
| Card Details | |||
| Citi Rewards+® Card | Citi® Double Cash Card – 18 month BT offer | Capital One Quicksilver Cash Rewards Credit Card | Chase Freedom Unlimited® |
If you’re looking to maximize rewards on small purchases, the Citi Rewards+® Card is a great card to consider. This card is unmatched when it comes to earning rewards on less expensive everyday purchases. Plus, receiving 10% back on up to 100,000 ThankYou Points per year is a great way to get added value from your ThankYou Points. Finally, the Citi Rewards+® Card has generous 0% intro APR offers that can help you avoid paying interest charges for more than a year.