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Citi Rewards+ Card benefits guide

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The Citi Rewards+® Card offers cardholders the ability to earn 2X rewards on gas and grocery purchases. But there are other features of the card you might not know about, such as the many ways to earn additional rewards, Mastercard perks and even an introductory APR term for purchases and balance transfers.

Whether you are considering the Citi Rewards+ or already have it and want to maximize the benefits, it’s helpful to know everything available to you with this rewards card. Here’s a benefits guide for more information to help you get the most of your Citi+ Rewards card.

Citi Rewards+ Card highlights

Quick card details

  • Rewards rate: 2X points at supermarkets and gas stations (on up to $6,000 in purchases per year, then 1X points) with 1X points on all other purchases
  • Welcome offer: 20,000 bonus points after you spend $1,500 in purchases with your card within three months of account opening; redeemable for $200 in gift cards at
  • Annual fee: $0
  • Purchase intro APR: 0 percent for 15 months from date of account opening
  • Balance transfer intro APR: 0 percent for 15 months from date of first transfer
  • Regular APR: 15.74 percent to 25.74 percent variable

No annual fee

One of the great things about this card is that you can earn rewards without having to justify an annual fee. There’s no need to strategize your spending to cover the cost of ownership for your Rewards+ account. When you’ve got a no-annual-fee card, simply using it to earn rewards will net a lot of value for you. (Be sure to pay your balance off each month so you’ll avoid interest fees, too.)

Earning rewards

Gas and grocery spending

This is where you can really maximize the value of this card—earning rewards. The rewards structure offers 2 ThankYou points per dollar spent on groceries and gas stations, with a limit of $6,000 in combined spending on those categories per year. Once you reach the limit for these spending categories, you’ll earn 1 ThankYou point per dollar spent. All other purchases on your Citi Rewards+ card earn 1 ThankYou point per dollar spent.

Round up feature

The Citi Rewards+ card offers a unique way to top off your ThankYou points balance—rounding all purchases up to the nearest 10. If you make a small purchase at the store, say $2, it will round up to 10 ThankYou points. A purchase for $43 rounds up to 50 points.

Note, your purchases at gas and groceries stations will round up, but only after the double points are applied. So, $64 of groceries would earn 130 points instead of 140 points.

Welcome bonus

Another nice benefit of this card is the welcome bonus. You’ll get 20,000 bonus points after spending $1,500 in purchases with your card within three months of account opening. These points can be redeemed for $200 in gift cards at There are other redemption options (discussed below), but redeeming your welcome bonus points for gift cards gives you the most value.

Annual redemption bonus

Every year, you’ll receive 10 percent back on the first 100,000 points you redeem, excluding points you share. If you max out this benefit, you could earn up to 10,000 points back—worth $100 in gift cards.

Banking with Citi

You can also earn additional ThankYou points with an eligible Citi checking account that you use for direct debits and bill payments. Personal banking relationship rewards could earn as much as 1,600 points per month.

Redeeming rewards

The Citi Rewards+ card accrues “basic” ThankYou points. It’s not a technical award currency that Citi recognizes, but it’s how we differentiate between the two types of ThankYou points here at Bankrate.

With basic ThankYou points, you can’t transfer them to Citi travel partners (usually a more valuable redemption option), but you can still use them to book travel through Citi at a value of 1 cent per point.

Here are other ways to redeem your basic ThankYou points:

Redemption Value
Gift cards 1 cent per point
Shop with points (on or PayPal) 0.8 cents per point
Donations 1 cent per point
Statement credits 0.5 cents per point
Cash rewards 0.5 cent per point
Payment toward student loans and mortgage 1 cent per point
Point transfer and sharing 1 cent per point
Online bill pay with points 1 cent per point

As you can see, the redemption value of your ThankYou points ranges from as low as 0.5 cents per point up to 1 cent per point.

Additional Citi Rewards+ card benefits

Zero percent interest APR

The Citi Rewards+ card offers an introductory 0 percent APR term for both balance transfers and purchases for 15 months after opening your account. After that, you’ll have a 15.74 percent to 25.74 percent variable APR.

If you decide to take advantage of the balance transfer offer, there’s a fee—either $5 or 3 percent of the amount of each transfer, whichever is greater, on transfers completed within the first four months from account opening. If you wait after four months of opening your account, a balance transfer fee of 5 percent of each transfer ($5 minimum) applies.

Mastercard benefits

Depending on your credit limit, you’ll qualify for select Mastercard benefits. Standard Mastercard credit cards have perks like $0 liability on unauthorized purchases and identity theft protection services.

Citi entertainment

Citi entertainment is a perk offered to all Citi cardholders—even debit cardholders. You can get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sporting events, dining experiences and more.

How do I get the most out of my Citi Rewards+ card?

If you want to get as much value as possible from this card, here are some tips that will help:

  • Use your card for gas and grocery spending.
  • Use your card for small purchases to take advantage of the round-up feature.
  • Take advantage of the balance transfer feature to help pay down high-interest debt.
  • Redeem points for gift cards and other one-cent-per-point redemption options.
  • Pair with a Citi travel card to pool points for travel partners.

The bottom line

The Citi Rewards+ card offers a slate of respectable benefits for a no annual fee card allowing you to earn rewards on grocery store purchases and gas station spending. Though the bells and whistles are minimal, you still get enough to justify getting and, perhaps, even keeping the card for ongoing rewards. Hopefully, this guide will help you get even more value from the Citi Reward+ card than ever before.

Written by
Aja McClanahan
Personal Finance Writer
Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Aja is the author of "How a Mother Should Talk About Money with Her Daughter."
Edited by
Senior Editor, Credit Card Product News
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Part of  Introduction to the Citi Rewards+ Card