The Only Rewards Card That Automatically Round Up To The Nearest 10 Points On Every Purchase

I receive compensation for content and many links on this blog. Citibank is an advertising partner of this site, as is American Express, Chase, Barclays and Capital One. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same). Terms apply to the offers and benefits listed on this page.


The Citi Rewards+℠ Card has no annual fee card and plays a really interesting role in points-earning. It rounds up points-earning to the nearest 10 points on every purchase.

  • Initial bonus: 15,000 points after $1000 spending within the first 3 months from account opening (Not available if you’ve gotten a new cardmember bonus from – or closed – this card, ThankYou Preferred, Citi Premier, or Citi Prestige in the last 24 months.)

  • Bonus categories: 2 points per dollar at supermarkets and gas stations, for the first $6,000 spent each calendar year

  • Round up: Each time you make a purchase your earnings are rounded up to the nearest 10 ThankYou points.

  • 10% rebate on redemptions up to the first 100,000 points redeemed each year.

This card pairs really well with a Citi Premier or Prestige card. While Rewards+ doesn’t on its own let you transfer to airline miles, you can transfer the points from your Citi Rewards+℠ Card over to a Premier or Prestige account and then the points become eligible to transfer to airline miles:

  • Star Alliance: EVA Air, Avianca LifeMiles, Singapore Airlines, Thai Airways, Turkish Airlines
  • oneworld: Cathay Pacific, Finnair, Qantas, Qatar
  • SkyTeam: Air France KLM, Aeromexico
  • Non-alliance: Etihad, JetBlue, JetPrivilege, Virgin Atlantic

And this is the single most rewarding card for small purchases, a $1 purchase earns 10 points. That’s a great feature on a no annual fee card. We haven’t seen anything like that since the old Chase Exclusives program paired with a Freedom card, an opportunity that was so lucrative it was ended about seven years ago.

Rounding up pairs with bonus categories, too, spend $6 at a gas station and you earn 20 points ($6 x 2 points = 12, rounds up to 20).

Citi Rewards+℠ Card

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

More articles by Gary Leff »

Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

Comments

  1. What’s the in-branch application bonus for this card now?

    Last year, I walked into Citi in NYC — at a different branch than my usual Citi branch — and they had a much better sign-up+use bonus for this Citi Rewards+ card than was available on public internet sites.

  2. While this may be a good card for some for other reasons, I fail to get excited about the rounding up thing. Who has the time to make endless $1.00 purchases to the point you could scale it up to something actually worthwhile? What does a person buy for $1.00 that you would want to have that many of even if you do have the time?

Leave a Reply

Your email address will not be published. Required fields are marked *