Last updated: 5/31/2021

Citi Rewards+

Earns: Citi Thank You Points

GigaTake:

An OK card for earning Citi ThankYou points, with a few quirks that help boost its value. But unless you really like Citi points, you may get more value from a cash-back card like the Citi Double Cash or a more valuable Chase Ultimate Rewards card.

This card is best for:

  • Groceries
  • Gas

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Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Citi Thank You Points
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • Reasonable returns for groceries and gas, 2 points per dollar.
  • No annual fee.
  • Points get rounded up on each purchase, boosting earnings a little.

Cons

  • Other cards earn more.

See how the Citi Rewards+ compares to other credit cards

Citi Rewards+ Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1.4 cents per point
Effective Value = 2.8 %

0%
7%

Reward Rate = 2x

Value = 1.4 cents per point
Effective Value = 2.8 %

0%
6%

Reward Rate = 1x

Value = 1.4 cents per point
Effective Value = 1.4 %

0%
3%

Welcome Bonus =

Value = 1.4 cents per point
Effective Value = $0

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus

OK

Bonus Rating

Points
GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2x Groceries (first $6,000 in purchases each year)

Excellent

excellent

Excellent

In the top 15% of cards.

2x Gas (first $6,000 in purchases each year)

Very Good

very good

1x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Citi Thank You Points
Gigapoints Value
1.4¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

Round Up to the Nearest 10 Points

Round Up to the nearest 10 points on every purchase — with no cap. So your $2 coffee earns 10 points. And a $22 dinner for two earns 30 points.

10% Points Back

Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year. That means if you redeem 15,000 points, you get 1,500 back. It’s that simple.

The Fine Print

INTRO APR FOR PURCHASES 0% for 15 months
INTRO APR FOR BALANCE TRANSFERS 0% for 15 months
PURCHASES APR 13.49% to 23.49%
BALANCE TRANSFER APR 13.49% to 23.49%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.24%
CASH ADVANCE FEE Either $10 or 5% of the amount of each cash advance, whichever is greater.
LATE PAYMENTS Up to $40