Citi Rewards+ Card
A no-annual-fee ThankYou Points card that uniquely rounds up every purchase to the nearest 10 points and gives back 10% of points on the first 100,000 redeemed each year.
Why it ranks
- No annual fee
- Unique points round-up
- Long 0% intro APR
What holds it back
- 3% foreign transaction fee
- Low base earn rate
- Points capped in bonus categories
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-annual-fee ThankYou Points card that uniquely rounds up every purchase to the nearest 10 points and gives back 10% of points on the first 100,000 redeemed each year.
Citi Rewards+ Card at a glance
| Issuer | Citi |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | 20,000+ bonus ThankYou Points after meeting the minimum spend |
| Rewards rate | 2x at supermarkets & gas stations (first $6,000/yr, then 1x), 1x on all other purchases, every purchase rounded up to the nearest 10 points |
| Intro APR | 0% intro APR on purchases and balance transfers for 15 months |
| Regular APR | 19.24%–29.24% variable |
| Foreign transaction fee | 3% |
| Credit needed | Good (690+) |
| Best for | Small everyday purchases thanks to the round-up feature |
| Airport lounge access | No |
Rewards & benefits
- Round-up boosts small purchases to 10 points each
- 10% points back on the first 100,000 redeemed yearly
- Pairs with Strata Premier to make points transferable
Eligibility & who it suits
- Good credit score
- Sufficient income to support the line
- Not have earned a bonus on this card in 48 months
How to apply
Check current rates on Citi’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CCitiRewards+No annual fee · US Citi Rewards+ CardSmall everyday purchases thanks to the round-up feature |
None | 2x at supermarkets & gas stations (first $6,000/yr, then 1x), 1x on all other pu… | 20,000+ bonus ThankYou Points after meeting the minimum spen… | 3% | Good (690+) | |
| 2 | WFWells FargoAutographNo annual fee · US Wells Fargo Autograph CardNo-fee 3x rewards across many everyday categories |
None | 3x points on restaurants, travel, gas stations, transit, popular streaming servi… | 20,000+ bonus points after meeting the minimum spend | None | Good to Excellent (700+) | |
| 3 | RIReported in the newsNew Fintech Rewards Reported / Coming SoonNo annual fee · US New Fintech Rewards Card (Reported / Coming Soon)Readers tracking new card launches |
None | To be announced | To be announced | To be announced | To be announced | — |
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