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Stack these 3 great Citi Rewards+ features for maximum earnings

Aug. 13, 2021
5 min read
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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.

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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).

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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.

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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.
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TPG featured card

Best card for premium perks while traveling
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

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

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

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
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 unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • 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

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023