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Why I love the Citi Rewards+ Card

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Did you know that it’s possible to fall in love with your credit card? Some cards offer such valuable perks that you can’t help but feel grateful when they’re in your wallet. The Citi Rewards+® Card falls into that category for many consumers—especially those that use their card primarily in grocery stores or at the gas pump.

To learn more about why this rewards card is so appealing, we interviewed current cardholder Max Marvelous, a financial coach at MaxMyMoney. Read on to see what makes the Citi Rewards+ Card so special.

Generous gas and grocery rewards

Max says he chose the Citi Rewards+ credit card because, “As someone who spends quite a bit at grocery stores, the 2X ThankYou points is a great perk.”

Cardholders can earn 2X points at both supermarkets and gas stations on up to $6,000 in purchases per year. Once that threshold is reached, users earn 1X points. All other non-category purchases earn 1X points, too.

Max likes to maximize his credit card rewards. So, when he’s not buying food or fuel, he turns to other rewards credit cards like the American Express Cash Magnet® Card, which lets him rack up 1.5 percent cash back on every purchase.

Points earned rounded up to the nearest 10

The Citi Rewards+ Card is great to use for small transactions because each purchase automatically gets rounded up to the nearest 10 points. “This means a $1 coffee earns 10 points, not 1 point,” explains Max. This unique account feature could help cardholders who regularly visit coffee shops or convenience stores accumulate points fast.

10% redemption bonus

Max says that his favorite benefit of the card is getting a 10 percent redemption bonus when he cashes in his points. The credit card issuer grants this bonus on the first 100,000 points earned annually. That means cardholders can receive up to an additional $1,000 worth of perks each year (depending on how points are redeemed).

Easy rewards redemption

Citi makes it easy for cardholders to redeem their points. Max says, “…it’s been very simple. I choose how many points to redeem, click okay and the points are used that same day.”

Cardholders also have a range of options when it’s time to cash in. They can exchange their points for gift cards, statement credits or cash. They can also put their points towards charitable donations, travel arrangements or online purchases.

Note, though, that points become more or less valuable based on how they’re redeemed. For example, points exchanged for gift cards are each worth 1 cent, but points exchanged for cash are worth half a cent apiece.

20,000-point welcome bonus

New cardholders can earn a generous 20,000-point welcome bonus when they spend $1,500 in purchases within three months account opening (worth $200 in gift cards through thankyou.com). Spending at least $1,500 on supermarket and gas station purchases in 90 days is fairly easy to do and can help new cardholders boost their rewards.

0% intro APR for 15 months

Max says he signed up for the Citi Rewards+ Card in late 2019. At that time, Citi extended a zero-interest offer for one year.

Now, new cardholders can enjoy a 0 percent intro APR for 15 months (from date of account opening) on purchases and balance transfers. After the introductory period, the card’s variable APR ranges from 14.24 percent to 24.24 percent.

Be aware that the card does charge an intro balance transfer fee of $5 or 3 percent of the transfer amount (whichever is greater) for transfers made within the first four months. That percentage increases to 5 percent for cardholders that transfer an amount after four months.

No annual fee

One major pro of the Citi Rewards+ Card is that there’s no annual fee. That means any points earned are pure profit for the cardholder (assuming they pay their balance in full each month and avoid racking up interest). Max is glad that he doesn’t have to pay a yearly fee and notes that he generally tends to shy away from premium cards unless he can “use the full benefits” to make it worthwhile.

The bottom line

While there may be cards with richer perks (and likely higher fees) out there, the Citi Rewards+ Card helps you make the most of your small and everyday purchases. You can quickly rack up points on supermarket purchases and at the pump—plus, you’ll enjoy valuable benefits like the round-up feature and 10 percent point redemption bonus.

The right credit card for you depends on your spending patterns and financial goals. So, while you may be thinking about adding the Citi Rewards+ Card to your wallet, be sure to research other rewards credit card options before applying.

Written by
Laura Gariepy
Laura Gariepy is the owner of Every Day by the Lake, LLC, a written content creation company that helps brands stay top of mind with their target market. She specializes in writing about personal finance, entrepreneurship and careers.
Edited by
Editor, Product