How to Round Up Your Earning to the Nearest 10 Points, Every Time

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The Citi Rewards+℠ Card has no annual fee card and plays a really interesting role in points-earning. Two readers pointed out to me this week that I really haven’t covered it. It’s brand new this year, and not highlighting its unique features is a real oversight on my part.

  • 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. First, because neither of those bonuses supermarket spend. But second because 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, 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 »

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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 any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. I remember posting about this.

    Glad to see you cover it.

    The in-branch sign up for the Rewards+card is more generous: 30k points after $1000 within 90 days. I would suggest dropping into a Citibank branch to get this card for those who are close to a Citi Branch.

  2. Is there any data on how much you can “milk” this card without risking Citibank’s ire? As examples: Can you buy your gas daily at $5 a pop? If you went to 5x a day at $1?

  3. When I called Citi to check how long I’d had my Premier and Prestige cards the Rep said you can get the bonus as long as you haven’t gotten the bonus for the exact same card but that the period is 48 months rather than 24 months. The written terms on the App do say what you’ve listed though so maybe the Rep didn’t have the right info?

  4. D. Moore,

    I am not sure how much tolerance Citi would have for multiple transactions a day of a given sort to maximize the rounding up to 10 points per day, but I would not be surprised if there were to be fraud alerts inhibiting card use before Citi booted a customer for doing 100 $1 purchases at McDonalds in a day every day of the year.

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