The Citi Rewards+® Card is a rewards card that earns bonus ThankYou® Points on a limited amount of spending at supermarkets and gas stations. The card carries no annual fee.
The card offers 2x ThankYou® Points on up to $6,000 of spending per year about of purchases at supermarkets and gas stations, then 1 ThankYou Point per dollar. Through June 30, 2024, you can get a total of 5 ThankYou Points on hotel car rentals and attractions when you book through Citi Travel.
The Rewards+ is most interesting for its 10% point rebate on your first 100,000 ThankYou Points that you redeem each year. If you hold the Citi Rewards+® Card, you’ll receive this point rebate when you redeem point from any of your cards that offer ThankYou points. This feature makes is an excellent companion to other cards that earn ThankYou points.
Citi Rewards+® Card offer: 20k bonus points after $1,500 of spending in 3 months. (Annual fee: $0)
bonus_miles_full Get this welcome bonus.
This is the standard welcome bonus on this card. Rewards are earned at Citi ThankYou® points.
10% Points Back bonus on your first 100k of ThankYou Points® redemptions. Extended warranty benefit. (More in our card review.)
This is a direct bank link. All information about the Citi Rewards+® Card has been collected independently by cardsandpoints.com.
Citi Rewards+® Card at a glance
Here’s what you need to know about the Citi Rewards+ credit card.
Rewards
| 5x | Hotels and car rentals booked through the Citi TravelSM portal Limited time offer valid through June 30, 2024. | |
| + | 2x | Supermarkets and gas stations On up to $6,000 in spending per year, then 1x. |
| 1x | All other purchases |
Benefits
| Consumer insurance benefits Damage and theft purchase protection Citi extended warranty | |
| Reward benefits Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year. |
Other important terms
| Annual fee: $0 | |
| Foreign transaction fee: 3% |
Welcome bonus
Citi Rewards+® Card offer: 20k bonus points after $1,500 of spending in 3 months. (Annual fee: $0)
bonus_miles_full Get this welcome bonus.
This is the standard welcome bonus on this card. Rewards are earned at Citi ThankYou® points.
10% Points Back bonus on your first 100k of ThankYou Points® redemptions. Extended warranty benefit. (More in our card review.)
This is a direct bank link. All information about the Citi Rewards+® Card has been collected independently by cardsandpoints.com.
Citi Rewards+ rewards
The Citi Rewards+ card earns rewards as ThankYou points. The card awards 1 point per dollar spent on general purchases, plus 2x rewards on a limited amount of spending in select categories. Here are the details:
| 5x | Hotels and car rentals booked through the Citi TravelSM portal Limited time offer valid through June 30, 2024. | |
| + | 2x | Supermarkets and gas stations On up to $6,000 in spending per year, then 1x. |
| 1x | All other purchases |
The points you earn with your Citi Rewards+® Card can be redeemed directly for gift cards and travel rewards. Other less-valuable redemption options include Shop with Points and Pay with Points. But Citi ThankYou Points offers synergies that make your points more valuable when you hold a combination of Citi ThankYou Points cards. Holding any other available ThankYou Points card opens up the opportunity to redeem your ThankYou Points for cash back.
Citi ThankYou Points card synergies
When you hold multiple Citi cards that earn ThankYou Points, you can choose to combine your ThankYou Rewards accounts and earn a single pool of points. This feature of the ThankYou Rewards program means that holding multiple Citi ThankYou Points cards will enable you to both earn more points on your purchases and give you more options when you redeem your points.
Here’s a quick overview of how these ThankYou Points synergies work.
Earning ThankYou Points across cards
Citi offers four cards that earn ThankYou Points to new cardmembers. You’ll earn the most points from your spending by using the card that earns the most points for your purchase. For example, at grocery stores, you might choose to use the Citi Premier® Card over the Citi Double Cash because you’ll earn 3 points per dollar rather than 2.
Here’s an overview of how many points the four ThankYou Points cards earn in their respective bonus categories.
| Citi® Double Cash Card | Citi Custom Cash℠ Card | Citi Rewards+® Card | Citi Premier® Card | |
|---|---|---|---|---|
 |  |  |  | |
| Restaurants | – | Up to 5x | – | 3x |
| Drugstores | – | Up to 5x | – | – |
| Gas stations | – | Up to 5x | 2x (on the first $6,000 spent across bonus categories) | 3x |
| Supermarkets | – | Up to 5x | 2x (on the first $6,000 spent across bonus categories) | 3x |
| Streaming (Select providers) | – | Up to 5x | – | – |
| Travel – Citi Travel Portal | 5x Hotels, car rentals and attractions booked through Citi Travel through June 30, 2024. | – | 5x Hotels, car rentals and attractions booked through Citi Travel through June 30, 2024. | 10x Hotels, car rentals and attractions booked through Citi Travel through June 30, 2024. |
| Travel – Air Travel | – | Up to 5x | – | 3x |
| Travel – Hotels | – | Up to 5x | – | 3x |
| Travel – Cruise line and travel agency | – | Up to 5x | – | – |
| Select transit | – | Up to 5x | – | – |
| Home improvement stores | – | Up to 5x | – | – |
| Fitness clubs | – | Up to 5x | – | – |
| Live entertainment | – | Up to 5x | – | – |
| Everywhere else | 2x (1% as you buy, plus 1% as you pay.) | 1x | 1x | 1x |
All of the cards in the table above earn ThankYou® Points, even though some are marketed as cash back cards.
The Citi Custom Cash℠ Card earns 5% cash back in the one eligible category where you spend the most each statement cycle, on up to $500 of spending. Other purchases earn 1%.
Redeeming Citi ThankYou Points with multiple cards
The key to maximizing the value of your ThankYou Point redemptions is holding multiple ThankYou Points cards and earning your ThankYou points in a combined ThankYou Points account. When you combine your ThankYou Points accounts, you get access to the best redemption options available from each of your cards. Here are the ThankYou Points redemption options that vary between cards.
| Citi® Double Cash Card | Citi Custom Cash℠ Card | Citi Rewards+® Card | Citi Premier® Card | |
|---|---|---|---|---|
| | | | |
| Cash back rewards (Including statement credits, direct deposit, and check by mail) | 1 cent/point | 1 cent/point | 0.5 cents/point | 1 cent/point |
| Point transfers to airlines and hotels | Select partners only Lower transfer ratios | Select partners only Lower transfer ratios | All transfer partners Best transfer ratios | |
| Redemption bonus | – | – | 10% bonus on up to 100,000 points redeemed per year | – |
The table above doesn’t include some redemption options, like gift cards and pay with points. This is because the redemption options either do not vary across cards (gift cards) or because the value of the redemption is less than the cash back redemption value.
Should you keep the Citi Rewards+ card after the first year?
The Citi Rewards+® Card’s rewards are lackluster, so you’ll probably want to use other cards for ongoing spending. Yes, you can keep this no-annual-fee credit card open to build your credit, but there is one good reason to keep this card open if you have other credit cards that earn ThankYou points.
If you combine your ThankYou Points accounts, just having the Citi Rewards+® Card open will mean you get an additional 10% rebate on the points you redeem during the year. This is probably the best justification for keeping this card open. Just having the card open could mean that you earn 10,000 points when you redeem 100,000 ThankYou points earned on other cards. The 10% Points Back award is limited to the first 100,000 of ThankYou points that you redeem during the year.
Benefits of the Citi Rewards+ card
Damage and theft purchase protection. If an item you purchase with your credit card is damaged or stolen within 90 days of purchase or delivery, you may be covered by up to $1,000 per incident for damage or theft. Terms apply.
Extended warranty. Citi’s excellent Extended Warranty benefit offers up to an additional 24 months of warranty protection on eligible purchases. Read more about this benefit in our coverage of the Citi Extended Warranty benefit.
