Citi Debuting Rewards+ Credit Card for Everyday Purchases

Melissa Lambarena
By Melissa Lambarena 
Edited by Kenley Young
Citi Debuting Rewards+ Credit Card for Everyday Purchases

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This launch offer for the Citi Rewards+® Card has changed. See current offer details here.

Citi is kicking off the new year with the launch of the Citi Rewards+® Card, which will have a unique "round up" feature on rewards.

Beginning Jan. 10, you can apply for the $0-annual-fee credit card that will earn 2 ThankYou points per $1 spent at supermarkets and gas stations (on up to $6,000 in purchases per year) and 1 ThankYou point per $1 spent on all other purchases.

Other features of the card include:

  • Introductory offers: The card offers the following 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 Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on through December 31, 2025. It also offers an intro 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74%-28.74%, based on your creditworthiness..

  • Rewards that round up: The Citi Rewards+® Card rounds up every purchase to the nearest 10 ThankYou Points. So if you spend, say, $4 on a coffee, you can earn 10 ThankYou points instead of four. If you spend $11 on lunch, you’ll earn 20 ThankYou points instead of 11.

  • Points returned to your wallet: On top of rounding up a few extra points, you can earn 10% of your points back for the first 100,000 ThankYou points redeemed per year.

Alone, the base rewards rate is small potatoes compared with rewards offered by other credit cards. But with the rare rounding feature combined with the 10% bonus, you can earn a bit more for your spending, especially if you redeem ThankYou points strategically to get the most value. ThankYou points can be worth between about 0.3 cents and 1 cent each, according to NerdWallet valuations, depending on how you redeem.

Cardholders will also get a suite of benefits that includes trip cancellation insurance, car rental insurance, travel accident insurance and extended warranty, among others.

The Citi Rewards+® Card is making its debut a few months after the Citi ThankYou® Preferred Card stopped accepting applications.

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