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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 a few 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, its points-boosting features as well as 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 you spend each year at supermarkets and gas stations, then 1X points, as well as 1X points on non-category purchases. Plus, for a limited time, you’ll earn 5X points at restaurants during your first 12 months of card membership (on up to $6,000 in purchases, then 1X points).

This no-annual-fee card is a great option for everyday spending, 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.

In terms of a first-year welcome offer, you can earn 20,000 bonus points after spending $1,500 in purchases within your first three months. Plus, for those looking to pay off a large, upcoming purchase or existing credit card debt, the Citi Rewards+ offers a 0 percent intro APR for 15 months on both purchases and balance transfers (followed by a 17.24 percent to 27.24 percent variable APR). Note, balance transfers must be made within your first four months of owning the card, or you’ll lose access to the introductory rate.

Now, let’s take a closer look at a few Citi Rewards+ Card benefits that make it a great option for everyday purchases.

Points-boosting features that reward you for everyday purchases

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 — 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, on which you’ll earn 2X points, 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 of your points back. That means you can earn up to 10,000 points back each year by fully maximizing the card.

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 1 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.

And if you own a more premium Citi card, like the Citi Premier® Card, combining your points on that card and transferring them to a high-value Citi transfer partner can get you as much as 1.9 cents per point, according to Bankrate valuations.

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 worth it. 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 under the 2X rate.

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 your balance transfer within the first four months of opening the card, and note that there’s a standard 3 percent balance transfer fee ($5 minimum).

Other options to consider

The Citi Rewards+ is ideal for individuals that enjoy strategizing 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 two additional options to 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 in terms of a welcome bonus, the card now offers $200 cash back when you spend $1,500 on purchases in the first six months.

This card can be a great debt payoff option, as well, due to its 18-month 0 percent intro APR offer on balance transfers (17.74 percent to 27.74 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 at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases (on the first $6,000 spent per year on each category, then 1 percent) and 1 percent back on all other purchases.

As a first-year welcome offer, you can get a total of $250 back: $100 when you spend $2,000 in your first six months, plus up to $150 back when you use your card to check out via PayPal with merchants in your first six months (as 20 percent back in statement credits).

The Amex Blue Cash Everyday also offers a comparable 0 percent intro APR offer on both purchases and balance transfers for 15 months, followed by a 17.74 percent to 28.74 percent variable APR.

The bottom line

If you spend a lot on gas and groceries and enjoy finding ways to maximize your rewards, you’ll probably 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 of your 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 to consider.