Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site (including for example, the order in which they appear). To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

Citi Rewards+℠ Card Review: Rewards for Routine Expenses

Citi Rewards+℠ Card Review: Rewards for Routine Expenses

Good choice for low spenders with gas and grocery expenses. Others can find better value elsewhere.
Editor's Rating: 4.0/5.0
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

4.0/5.0

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

The Citi Rewards+℠ Card is a unique offering that provides decent rewards for routine purchases. Cardholders earn 2 Citi ThankYou points per dollar spent on grocery store and gas station purchases and 1 point per dollar spent on all other purchases. Plus, you'll earn a minimum of 10 points per purchase—which makes this card a solid everyday option for people who make a lot of small purchases.

Citi Rewards+℠ Card Review: Decent Value for Moderate Spenders

On Citi's Secure Website

Citi Rewards+℠ Card

On Citi's Secure Website
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within the first 3 months of account opening.
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Annual Fee
$0
Regular APR
15.49% - 25.49% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Citi Rewards+℠ Card is a great choice for people who have a moderate budget and spend mainly on gas and groceries. Cardholders pay no annual fee and earn 2 points per dollar at supermarkets and gas stations on the first $6,000 spent per year. You could get a better rewards rate in the "gas and groceries" category elsewhere, but it's solid for a card with no annual fee.

Minimum of 10 Points Per Purchase

The most unique feature of the Citi Rewards+℠ Card is that you'll earn a minimum of 10 Citi ThankYou points on each purchase, plus your points will be rounded up to the nearest 10. For nonbonus-category spending, this means a transaction of $4 would earn you 10 points and a transaction of $21 would earn you 30 points. This feature is particularly useful for people who often make purchases under $10, like buying coffee.

Average Welcome Bonus for a No-Fee Card

If you're looking for a welcome bonus to pay for your next vacation, the Citi Rewards+℠ Card isn't the card for you. The card provides a 15,000-point bonus—equal to $150—for spending $1,000 in the first three months. This is similar to other no-annual-fee card offers, though it's significantly lower than what the best no-fee cards offer—e.g., the no-fee Wells Fargo Propel American Express® Card has a 30,000-point welcome bonus.

10% Points Rebate

With the Citi Rewards+℠ Card, you'll earn 10% of redeemed points back at the end of each year on the first 100,000 redeemed points. This represents a maximum potential benefit of $100 per year (10% of 100,000 = 10,000 points = $100). However, moderate spenders can expect a significantly lower annual rebate. For example, if you earn and redeem 20,000 points per year with this card, you'll get a $20 rebate.

Redeem Points for Travel, Gift Cards or Statement Credit

Points earned on the Citi Rewards+℠ Card are basic Citi ThankYou points, which means they can be redeemed for travel on the Citi portal, statement credit toward your balance or gift cards. In each case, your points are worth 1 cent apiece. You can also transfer your points to JetBlue's TrueBlue rewards program at a 5:4 ratio, meaning you'll likely retain only 80% of the value of the points. In most cases, it's best to use your points toward one of the other redemption options.

ValuePenguin's Verdict: Good Card for Moderate Spenders

The Citi Rewards+℠ Card is a solid card for people who spend a few hundred dollars per month on gas and groceries or who frequently make transactions under $10. For most people, the 10-point-per-purchase minimum is more gimmick than substantial benefit, as each point is worth just 1 cent. There are better options, outlined below, for bigger spenders and people who don't have many gas and grocery expenses.

Alternatives to the Citi Rewards+℠ Card

Below, we've outlined alternatives to the Citi Rewards+℠ Card that have the potential to earn you higher rewards. For moderate spenders who don't make many grocery and gas purchases, the Citi® Double Cash Card and Discover it® Cash Back are great options. If you're a high spender and have major dining and supermarket expenses, the American Express® Gold Card is also an excellent choice.

2% Cash Back on Every Purchase

On Citi's Secure Website

Citi® Double Cash Card

On Citi's Secure Website
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% - 25.99% based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.99% - 25.99% based on your creditworthiness.*
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% - 25.99% based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.99% - 25.99% based on your creditworthiness.*
Annual Fee
$0
Regular APR
15.99% - 25.99% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Our Thoughts

With no annual fee, the Citi® Double Cash Card provides 2% cash back on every purchase—1% when you swipe and 1% when you pay your balance. This is a stronger offering than what's provided by the Citi Rewards+℠ Card, which only gives 1% on all purchases that aren't at supermarkets or gas stations. The one downside to the Citi® Double Cash Card is that it doesn't have a sign-up bonus, but the card is still worth it for the long-term value.

5% Cash Back on Rotating Categories

On Discover's Secure Website

Discover it® Cash Back

On Discover's Secure Website
Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Annual Fee
$0
Regular APR
13.99% - 24.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Our Thoughts

The Discover it® Cash Back is another excellent credit card with no annual fee. With this card, you'll earn 5% back on categories that rotate each quarter, up to $1,500 in spending or up to the quarterly maximum (activation required). For 2019, the categories include grocery stores (January-March), gas stations, Uber & Lyft (April-June), restaurants and PayPal (July-September), Amazon.com, Target, and Walmart.com (October-December). The card also comes with a great welcome bonus for new cardmembers — at the end of your first year, Discover will match and reward all of the cash back you've earned, effectively doubling your year one earnings.

For a Fee, 4% on Supermarkets and Dining Out

On American Express' Secure Website

American Express® Gold Card

On American Express' Secure Website
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Annual Fee
$250
Regular APR
See Rates & Fees
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good, Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Our Thoughts

The American Express® Gold Card has a $250 annual fee (See Rates & Fees), but it also comes with rewards and credits to offset that cost. For starters, cardholders earn an industry-leading 4X points at restaurants worldwide, and 4X points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). It also comes with $120 in annual dining credits ($10 for each monthly statement period) that can be used at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, plus $100 in annual airline fee credits. If you max out the annual credits, you'll only need to spend $750 a year on supermarket and gas purchases to break even on the card's fee.

For rates and fees of the American Express® Gold Card, please click here.

Compare Other Cash-Back and Rewards Cards

Use our credit card comparison tool if you'd like to see how each card performs for you. You can enter different amounts to reflect your monthly spending and see your potential earnings over a two-year period.

Image
Assumptions based on $1,430 monthly spend
Monthly spending:
$
$
$
$
$
$
$
$
{"cardCategory":"rewards","cardIds":"251,65,13","initialResultsLimit":5,"endpoint":"https:\/\/creditcards.valuepenguin.com\/api\/creditcards\/models\/rewards","onCurrent":true}

Comments and Questions

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).