Skip to Main Content

Why the Citi Rewards+ is a good card for everyday purchases

Middle-aged man shopping for oranges at a grocery store
Westend61/Getty Images
Bankrate Logo

Why you can trust Bankrate

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Citi is an advertising partner.

If you’re looking for a way to earn rewards on the money you spend on groceries and gas, you might consider the Citi Rewards+® Card. There’s no annual fee, and the card offers several unique ways to help you maximize your (basic) Citi ThankYou points.

Plus, the Citi Rewards+ is a good option for anyone looking for an affordable balance transfer credit card. This article will go into more depth about how the Citi Rewards+ Card works and how to determine if it’s the right option for you.

How does the Citi Rewards+ Card work?

With the Citi Rewards+ Card, you’ll earn 2X points on the first $6,000 spent per year at supermarkets and gas stations. After that, you’ll earn 1X points for every dollar spent.

This no-annual-fee card is a great option for everyday purchases, with one of its unique benefits being a “round up” feature. Each purchase you make with the Citi Rewards+ is rounded up to the nearest 10 points, regardless of how small the purchase is. And, there’s no cap on the number of points you can earn.

The card’s current welcome bonus is 20,000 points after spending $1,500 in purchases within three months of account opening, and these points are redeemable for up to $200 in gift cards at

Further, you can take advantage of the card’s introductory 15-month 0 percent APR on purchases and balance transfers (14.24 percent to 24.24 percent variable APR thereafter). Note, your 15 months starts from the date of account opening for the purchase intro APR and from the date of the first transfer for the balance transfer intro APR.

Keep in mind that there’s a 3 percent balance transfer fee for every transfer completed within the first four months of opening the card. After four months, the balance transfer fee goes up to 5 percent.

Point-boosting features that reward you for everyday purchases

Most people like the Citi Rewards+ Card because it’s a great option for daily purchases. The round up feature rewards you for even the most minor purchases, and you can receive points back on the rewards you redeem each year.

Citi round up feature

If you find yourself making a lot of small purchases throughout the day, you’ll benefit from Citi’s round up feature. Every time you make a purchase, it gets rounded up to the nearest 10 points. That means if you buy a $5 latte, you’ll receive 10 points instead of five—and there’s no limit to the number of points you can earn.

Further, you’ll double your points by making purchases at supermarkets and gas stations. For instance, if you buy $15 worth of gas, it’ll automatically be rounded up to 20 points. But since you earn 2X points at gas stations, you’ll end up earning 40 points in total.

10% redemption bonus

Another perk Citi offers is its 10 percent redemption bonus. For the first 100,000 points you redeem each year, you’ll earn 10 percent points back. That means you can earn up to 10,000 points back each year.

How much is it worth?

According to Citi, you can redeem 10,000 points for a $100 gift card. Citi does offer other redemption options, but you’ll receive the most value by redeeming your points for travel and gift cards, in particular.

Gift cards are usually redeemed at one cent per point. If you want to receive cash back or a statement credit, on the other hand, you can redeem your points at half a cent per point.

Is the Citi Rewards+ Card right for you?

If you’re looking for a card with no annual fee that offers decent points on gas and groceries, the Citi Rewards+ Card may be a good choice.

However, it does matter where you buy your gas and groceries. For instance, if you regularly buy groceries at Target or Sam’s Club—which are considered wholesale clubs, not supermarkets—these purchases won’t qualify for the additional points.

It’s also a good choice for anyone looking to complete a balance transfer. If you have high-interest credit card debt you want to pay down, consider utilizing this card’s lengthy zero-interest introductory rate. Just make sure to complete the balance transfer within the first four months of opening the card to minimize fees.

Other options to consider

This card is best for individuals that enjoy strategizing about the best ways to maximize rewards points. If you don’t like putting that much thought into your credit card rewards, you may want to consider other options.

If you’re looking for a card with no annual fee that earns points for essential purchases like groceries and gas, here are a few other options you can consider:

Citi Double Cash

The Citi® Double Cash Card is another no-annual-fee credit card that rewards daily purchases. You’ll earn 1 percent cash back when you spend and another 1 percent back when you pay off the balance. There are no categories or spending limits to keep track of, and there’s also no sign-up bonus.

This card can be a great balance transfer option due to its 18-month 0 percent intro APR offer (14.74 percent to 24.74 percent variable APR after).

Amex Blue Cash Everyday

The Blue Cash Everyday® Card from American Express is another no-annual-fee card, and it offers generous cash back rewards on grocery store purchases. You can earn 3 percent cash back on the first $6,000 spent per year at U.S. supermarkets (then 1 percent), 2 percent cash back for spending at U.S. gas stations and select U.S. department stores and 1 percent back on all other purchases.

Enjoy a $200 statement credit after you spend $2,000 in purchases in the first six months, as well as a 0 percent intro APR for 15 months on purchases (14.74 percent to 24.74 percent variable APR after).

Chase Freedom Unlimited

The Chase Freedom Unlimited Card doesn’t have an annual fee, and you can get 5 percent cash back on the first $12,000 spent on grocery store purchases in the first year (not including Target or Walmart). The card also earns you cash back on travel through Chase, Lyft and drugstore purchases and dining.

You can also earn a $200 cash bonus when you spend $500 on your card within three months of account opening, and there’s a 0 percent intro APR offer for both purchases and balance transfers for 15 months (15.24 percent to 23.99 percent variable APR).

The bottom line

If you spend a lot on gas and groceries and enjoy finding ways to maximize your rewards points, you may like the Citi Rewards+ Card. Citi’s round up feature helps you get more bang for your buck—even on the smallest purchases—and the opportunity to get 10 percent points back on the first 100,000 points redeemed annually is icing on the cake.

However, if redeeming points for gift cards isn’t the most exciting idea to you, or if you would prefer the freedom of a flat-rate credit card, there are other options you can consider.

Written by
Jamie Johnson
Jamie Johnson is a contributor for Bankrate and a Kansas City-based personal finance and credit expert. Her past and current clients include Credit Karma, Business Insider, Bankrate, Rocket Mortgage, the U.S. Chamber of Commerce, Quicken Loans and The Balance.
Edited by
Editor, Product
Reviewed by
Associate Editor