Compare it to the Citi® Double Cash Card
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 restaurants, 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 16.24% - 26.24% (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 15.74% - 25.74% (variable) APR.