Skip to content

Stack these 3 great Citi Rewards+ features for maximum earnings

Aug. 13, 2021
5 min read
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Citi is a TPG advertising partner.

The Citi Rewards+® Card is a solid option for beginner travelers and students, and it can even act as a nice supplemental card for existing Citi Premier® Card and Citi Prestige® cardholders. With no annual fee, a sign-up bonus and some interesting features, the Citi Rewards+ is a unique card that's more intriguing as an everyday spending card than other no-annual-fee options.

The information for the Citi Prestige card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

New to The Points Guy? Sign up for our daily newsletter and check out our beginner's guide.

New cardholders will earn 20,000 ThankYou bonus points after spending $1,500 in purchases within three months of account opening. That's worth $200 in cash-back, gift cards and other redemption options on the Citi ThankYou portal, but you can outsize the value of these points if you've got either of Citi's premium cards. For a limited time, you can also earn 5 ThankYou points per dollar at restaurants up to $6,000 in the first 12 months; then 1 point per dollar spent thereafter.

Let's take a look at the three unique features of the Citi Rewards+ card and explain why it's a solid option to add to your award strategy.

Apply here for the Citi Rewards+ card.

You'll earn 2 points per dollar at supermarkets and gas stations

With the Citi Rewards+ Card, you'll earn 2x on up to $6,000 at supermarkets and gas stations each year (1x after) — two prevalent everyday spending categories.

For someone who spends an average of $112 at the supermarket, you're looking at 224 ThankYou points each week and 11,648 points a year (not including any additional awards you earn due to Citi's round-up feature -- more on that in the next section).

Sign up for our daily newsletter
Generic card, groceries, supermarket, cashier

If you max out the $6,000 spending threshold on these bonus categories, that's 12,000 basic ThankYou points annually. Basic ThankYou points are redeemed at a straightforward 1:1 value through the Citi travel portal, making them worth $120.

However, those who have the Citi Prestige or Citi Premier have the ability to pool points across their different card accounts and take advantage of Citi's 15+ airline transfer partners. According to TPG valuations, that raises the value of those 12,000 points to $204.

Keep in mind that "supermarkets" excludes wholesale clubs, superstores, discount stores and others that do not classify themselves as supermarkets with their merchant code.

There's a unique round-up feature

Make your coffee addiction worthwhile with the Citi Rewards+'s roundup feature. (Photo by Chris Dong/The Points Guy)

Perhaps the most intriguing benefit of the Citi Rewards+ Card is its unique round-up feature. For every purchase, your earned rewards are rounded up to the nearest 10.

Your $5 latte addiction? Worth 10 points. That $1 vending machine purchase? Worth 10 points. Your weekly $112 supermarket run I mentioned earlier? Those 224 points get rounded up to 230 every time. An extra five or six points may not seem like it would make much of a difference, but those small bumps will add up over time.

Currently, the Citi Rewards+ is the only card in the market that offers this feature. It's perfect for maximizing rewards on smaller purchases that typically wouldn't qualify for bonus rewards across any of your credit cards.

Enjoy a 10% redemption bonus

With the Citi Rewards+ Card, you'll get 10% back on the first 100,000 points you redeem each year -- which means you could get back up to 10,000 bonus points annually. This redemption bonus makes your weekly supermarket run worth almost 1,200 extra points each year, and that’s just from one transaction each week.

Get to that next vacation sooner. Photo by Shelby Soblick for The Points Guy
Get to that next vacation sooner with a 10% redemption bonus on the Citi Rewards+ Plus. (Photo by Shelby Soblick for The Points Guy)

Sometimes, it's easy to get into this mindset that you should hold on to your rewards and rack up as many as possible before you start redeeming them. This is far from the truth. Credit card rewards were made to be used, not hoarded, and a redemption bonus like this is a great incentive to actually redeem your points throughout the year. Plus, a 10% bonus is a great jumpstart toward earning enough for your next trip!

Related: Why points and miles are a bad long-term investment

Bottom line

None of these features might seem jaw-dropping on their own, but when you leverage all three, they can help you maximize earning potential. It's a compelling no-annual-fee card built for both credit card beginners looking for an everyday earning card and frequent travelers looking for a card to supplement their Citi Prestige or Citi Premier.

Related: Maximizing the Citi quadfecta

The Citi Rewards+ also comes with a 20,000-point sign-up bonus after you spend $1,500 within the first three months (the normal offer we've seen is at 15,000 points). Therefore, it's an especially great time to apply for this card and earn points for no annual fee.

Official application link: Citi Rewards+ Card.

Featured image by (Photo by John Gribben for The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Top offers from our partners

How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 10X points
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases

Intro offer

80,000 bonus points
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$550

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases
  • Intro Offer
    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

    80,000 bonus points
  • Annual Fee

    $550
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more