Citi Rewards+ Card Review, No Annual Fee, 10-Point Round-Up and 20,000 Bonus Points
Maximize everyday spend with Citi Rewards+, featuring a $0 annual fee, 10-point round-ups and a 20,000-point sign-up bonus
Key benefits of the Citi Rewards+ Card
The Citi Rewards+ Card stands out for everyday value: a $0 annual fee, a 10-point round-up on every purchase, and a welcome offer that can deliver 20,000 bonus points after meeting the initial spend. For US cardholders who make frequent small purchases at supermarkets and gas stations, these features stack up to meaningful rewards without extra cost.
Beyond the round-up, Citi Rewards+ offers 2x points at supermarkets and gas stations on the first $6,000 per year, then 1x on other purchases. The combination of a no annual fee structure and automatic rounding makes this card especially attractive for those who want simple, reliable points accrual on everyday spending.
Earning rates, intro APR and sign-up bonus
The sign-up bonus of 20,000 bonus points after $1,500 in purchases within 3 months is the headline. New cardholders also benefit from a 0% intro APR on purchases and balance transfers for 15 months, which can be useful if you want to finance a larger purchase or move high-interest debt to lower interest temporarily.
Keep an eye on balance transfer fees (initial promotional fee differs by offer) and the ongoing variable APR after the intro period. Earning is straightforward: the 10-point round-up turns small-dollar buys into extra points, amplifying rewards for routine spending and helping reach the bonus threshold faster.
Redeeming points and travel partner options
Redemption flexibility is decent: you can use points for gift cards, statement credits, travel bookings, or transfer to partners like JetBlue and Wyndham where available. Point value varies by redemption; transferring to partners may offer the best per-point value for savvy travelers who know how to search for award availability.
Remember the card carries a 3% foreign transaction fee, so it is not ideal for international spend. For domestic travel and everyday purchases, using Citi Rewards+ points for travel through Citi or partner redemptions can stretch value, especially when combined with occasional promotional transfer bonuses.
Who should apply and smart strategy
The Citi Rewards+ Card is best for low-to-moderate spenders who make frequent small purchases and want a no-fee rewards card that quietly accumulates points. If you value a simple, automated way to earn extra points on coffee, groceries, and gas, this card keeps things fuss-free while delivering reliable benefits.
To maximize value, hit the sign-up spending requirement to secure the 20,000 bonus points, use the 0% intro APR window strategically, and focus redemptions where points stretch further. If you travel internationally often or prefer straightforward flat-rate cash back, consider pairing this card with a no-foreign-fee travel card. Apply confidently if you want steady, no-fuss rewards that compound on everyday purchases.