X
X

Last updated: 8/19/2020

Apply Now

points

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.

Calculating rewards based on your personal spending.

You Could Earn

${{card.totalValue | number}}

{{card.totalPoints | number}}

{{card.card.point_currency_name}} per year

Worth

${{card.totalValue | number}}

Plus Welcome Bonus

${{ card.card.sign_up_bonus / 100 | number }} Cash Back

{{card.card.sign_up_bonus | number}} points worth ${{ (card.card.sign_up_bonus * card.card.pointValueMultiplier) / 100 | number}}

Card Review

Last updated: 8/19/2020

Citi Rewards+

Earns: Citi Thank You Points

You Could Earn

{{card.totalPoints | number}}

{{card.card.point_currency_name}} per year

Worth

${{card.totalValue | number}}

Plus Welcome Bonus

${{ card.card.sign_up_bonus / 100 | number }} Cash Back

{{card.card.sign_up_bonus | number}} points worth ${{ (card.card.sign_up_bonus * card.card.pointValueMultiplier) / 100 | number}}

Apply Now

GigaTake:

★★★★★
★★★★★
points

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.

Card Highlights
Reward Summary
2x Groceries
2x Gas
1x All Other
Annual Fee
$0
Welcome Bonus
Points

After you spend $1,000 in 3 months

Citi Thank You Points mapped to {{user.attributes.given_name}}’s spending {{startDate | date}} – {{endDate | date}}

How did we arrive here?

With this card, you would have earned…

view rewards by

${{totalAmount | number}} =

{{totalAmount | number}} =

–${{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) ${{basePointsAmount | number}}
Merchant ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}
{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}
Welcome Bonus${{welcomeBonusAmount | number}}
Monetary value of points

We value Citi Thank You Points at 1.4 cents per point.

Learn More

Hilton Honors

Choice Hotels Privileges

Wyndham Wyndham Rewards

Alitalia MilleMiglia

Expedia Rewards

IHG Rewards Club

Uber Cash

Marriott Bonvoy

Fidelity Rewards

PenFed Credit Union Points

Navy Federal nRewards

Gap Good Rewards

USAA Rewards

Turkish Airways Miles & Smiles

Thai Airways Royal Orchid Plus

Malaysia Airlines Enrich

Jet Airways JetPrivilege

El Al Matmid

Singapore Airlines KrisFlyer

Qatar Airways Privilege Club

Hainan Airlines Fortune Wings Club

Finnair Finnair Plus

EVA Air Infinity MileageLands

Etihad Airways Etihad Guest

Avianca LifeMiles

Cathay Pacific Asia Miles

Aeromeixco Club Premier

Air France – KLM Flying Blue

Virgin Australia Velocity

Qantas Points

Discover Miles

Disney Rewards Dollars

Amazon Amazon

Bank of America Preferred Rewards

Wells Fargo Go Far Rewards

Cash Back Cash Back

Aer Lingus AerClub

Capital One Miles

Hawaiian Airlines HawaiianMiles

Iberia Plus

Emirates Skywards

Air Canada Aeroplan

Delta Airlines SkyMiles

American Airlines American AAdvantage

British Airways Executive Club

Virgin Atlantic Virgin Points

ANA Mileage Club

United MileagePlus

Southwest Rapid Rewards

Citi Thank You Points

Alaska Airlines Mileage Plan

JetBlue TrueBlue

U.S. Bank Altitude Points

U.S. Bank FlexPoints

Hyatt World of Hyatt

American Express Membership Rewards

Chase Ultimate Rewards

Luxury Card Luxury Card Rewards

Accor Live Limitless

Starbucks Stars
.5 .6 .7 .7 .8 1 1.1 1.2 1.3 1.4 1.5 1.6 1.7 1.8 2 3

Value of a point in cents

See how this card stacks up to other credit cards

Other Cards Citi Rewards+
Reward Rate = {{categoryGroup.categoriesMultiplier.value+card.earning_rate}}x {{categoryGroup.categoriesMultiplier.name}}

${{categoryGroup.categoryGroups.minValue | number}}

{{categoryGroup.categoryGroups.minValue | number}}x

${{categoryGroup.categoryGroups.maxValue | number}}

{{categoryGroup.categoryGroups.maxValue | number}}x

Reward Rate = {{card.earning_rate}}x All other
Reward Rate = {{card.earning_rate}}x All spending

${{basePointsGroups.groups[0][0].value | number}}

{{basePointsGroups.groups[0][0].value | number}}x

${{basePointsGroups.maxValue | number}}

{{basePointsGroups.maxValue | number}}x

Annual Fee = ${{annualFeeCard.value|number}}
Annual Fee

${{annualFeeCards[0][0].value}}

${{maxAnnualFee}}

Sign Up Bonus = ${{signUpBonusCard.value|number}} Cash Back{{card.sign_up_bonus|number}} Points (${{signUpBonusCard.value|number}} value)*
Sign Up Bonus

${{signUpBonusCards[0][0].value}}

${{maxSignUpBonus}}

*After you spend ${{ card.sign_up_bonus_spend_requirement | number }} on purchases in the first {{ card.sign_up_bonus_time_requirement_months }} months from account opening.

Relevant Articles
Compared to your cards
Compared to your cards

${{currentCardValue | number}}

Your Current Credit Card

Your Current Credit Cards

${{card.totalValue | number}}

Citi Rewards+

Compared to other cards

  • ${{c.totalValueWithSignupBonus | number}}

    {{c.card.display_name}}

    ${{c.totalValueWithSignupBonus | number}}

    {{c.card.display_name}}

${{allCards[0].totalValueWithSignupBonus | number}} – ${{allCards[allCards.length-1].totalValueWithSignupBonus | number}}

Scroll to see additional cards

Sign in to see how well this card would work for you.

Sign in

Apply Now

Add Card

Stop missing out on ${{card.totalValue | number}} dollars

How we do this calculation.

Add your first credit card to see how much you could earn with this card.

Sign in to see the calculations for this card mapped to your spending

Sign In

Card Benefits

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.

Card Details
INTRODUCTION APR 0%
PURCHASES APR 13.49% to 23.49%
CASH ADVANCE APR 25.24%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE FEE Either $10 or 5% of the amount of each cash advance, whichever is greater.
LATE PAYMENTS Up to $40