How to Get the Most From the Citi Rewards+ Card

This card rewards you for small purchases and redeeming your points through Citi.

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The Citi Rewards+® Card rounds up the number of points you earn on every purchase to the nearest 10 points, with no cap. Use the card right and its combined benefits could provide value above and beyond what you’d get from other cards.

The card’s most notable perks include:

  • Welcome bonus: Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com.

  • 2x points at supermarkets and gas stations, up to $6,000.

  • 1x points on all other purchases.

  • Rewards are rounded up to the nearest 10 points for every purchase.

  • Annual fee: $0.

  • 10% of your points back on the first 100,000 points you redeem every year.

Here’s how to get the most out of the Citi Rewards+® Card.

Ways to maximize the Citi Rewards+® Card

Make lots of small purchases

When you make small charges on this card, you can earn close to 10x in rewards.

For example, charge a $1.25 pack of gum at a convenience store and you get 10 points in your ThankYou account. A $3 cup of coffee also gets you 10 points. If you bought them at the same time, charging a total of $4.25, you’d be no better off, earning just 10 points.

Spend $10.20 on lunch? That rounds up to 20 points. But if you spend $19.99 on lunch, that’s also 20 points.

Nerdy tip: In general, using the card more often for small purchases will grow your points balance much faster than using it less often for bigger purchases.

Take a look at your bank or credit card statement and see how many small purchases you make. You might find that there are a lot of low-dollar purchases already in your spending patterns, allowing you to maximize the rounding-up benefit on this card.

Some places that you can make small purchases:

  • The post office (automated machines in many lobbies).

  • Public transit / Metro card reloads.

  • Coffee shops.

  • Parking meters.

  • Grocery store checkout lines.

  • Convenience stores.

  • Farmers markets.

Use in combination with another Citi card

The points you earn with the Citi Rewards+® Card can only be transferred to the JetBlue TrueBlue program. But if you also have a Citi Premier® Card or Citi Prestige® Card, you can move your points from your Citi Rewards+® Card over to either of those card’s ThankYou points accounts. Then, you can transfer points at a 1:1 ratio to more than a dozen travel partners, including Air France, Emirates, Etihad and Qantas.

Why would you want two Citi cards instead of one? Because two different cards offer two different strategies for maximizing rewards. For example, while you’re using your Citi Rewards+® Card for your smallest purchases, you could use Citi Premier® Card for 3x points on big purchases like plane tickets.

And because this card carries a $0 annual fee, you have little to lose by adding it to your lineup.

Redeem your points through Citi for a 10% kickback

As a Citi Rewards+® Card customer, you can redeem points through Citi for airfare, hotels, cruises, gift cards and more. And when you do, Citi automatically kicks back 10%.

Spend 15,000 points on a hotel? A rebate of 1,500 points will be credited back to your account.

Use a different card for purchases abroad

With any rewards credit card, it’s easy to rack up more in interest and fees than you get back in rewards. The Citi Rewards+® Card card charges a 3% foreign transaction fee on overseas purchases, which can add up fast if you do a lot of spending outside the U.S.

This card is only a good idea for users who either won’t do a lot of spending abroad or who also carry one of the many cards on the market that don't charge foreign transaction fees.

Take advantage of your exclusive event access

Cardmembers get access to Citi Entertainment, which offers special access to hundreds of events — including in some cases access to presale tickets for in-demand events.

The bottom line

Depending on how you use credit cards, there may be better options for you than the Citi Rewards+® Card. For example, if the bulk of your spending is at grocery stores, you should consider a card like the Blue Cash Preferred® Card from American Express, which pays you 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Terms apply.

But if you can make the most of this card’s 10-point rounding-up perk, you could squeeze a good deal of value from this card.

The information related to the Citi Prestige® Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.


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