How to maximize the spending categories on the new Citi Rewards+℠ Card


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How to maximize the Citi Rewards+ Card

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Citi recently launched the new Citi Rewards+℠
Card, designed to be a simple way for users to earn ThankYou® points on their
everyday spending. It comes with bonus points in popular categories – gas and
groceries. In addition, the card’s unique round up feature ensures even small
purchases can rack up points.

Even with the card’s straightforward rewards program, savvy
spenders can maximize rewards potential on the new card by following a few
simple tips.

Citi Rewards+ Card

Citi Rewards+ Card

Rewards rate

  • 2 ThankYou points per dollar at supermarkets and
    gas stations (up to $6,000 per year in purchases, then 1 point per dollar)
  • 1 ThankYou point per dollar on other purchases
  • Every purchase gets rounded up to the nearest 10
    ThankYou points (a $12 lunch will earn you 20 points)
  • 10% points back for redeeming ThankYou points
    (on up to 100,000 points per year)

Sign-up bonus

ThankYou points if you spend $1,000 in first 3 months

Why use it?

The Citi Rewards+ Card is a valuable no-fee card that
rewards users for everyday purchases. While the rewards rate might not seem as
high as similar cards, unique features make it easy to rack
up flexible ThankYou points.  

Read full review

Annual fee


Estimated earnings in first year ($1,325 monthly spend) 


In addition to the sign-up bonus, the Citi Rewards+ Card
also comes with a 0 percent introductory APR on balance transfers and purchases
for the first 12 months (15.74-25.74% variable APR thereafter).

How to boost your bonus earnings

The Citi Rewards+ Card makes racking up ThankYou points simple,
thanks in part to its bonus categories on common purchases. Plus, unique
features such as the 10 percent back on ThankYou points redeemed (on the first
100,000 ThankYou points redeemed per year) and the round up perk make it easy
to adopt the card for everyday spending and forget about it while points build.
However, following a few simple tips can ensure you are earning even more out
of the card.

Use the card for all everyday purchases, or at least gas and groceries

Because this card is designed to award the most points on
the types of transactions you already make, make this your go-to card for
everyday spending. With the round up feature, even your $3 morning cup of
coffee earns you 10 ThankYou points. Even if you don’t want to use the card on
every purchase, be sure to use it at the supermarket and gas station – where
you’ll earn 2 ThankYou points per dollar (on up to $6,000 per year in
purchases, then 1 point per dollar). Just be sure to pay off your balance on
time each month to avoid interest charges.

Max out the bonus category purchase cap every year

To ensure you are earning the most possible ThankYou points,
try and meet the full $6,000 purchase cap on the supermarket and supermarket
bonus category yearly. Since this breaks down to $500 per month, it is possible
you are already spending enough at these locations. If you find yourself coming
up a bit short, consider stocking up on gift cards at the supermarket to help
meet the cap without spending more than you need to on groceries.

Make plenty of small purchases to maximize the round up feature

With the round up feature, every purchase you make on the
Citi Rewards+ Card gets rounded up to the nearest 10 ThankYou points. So if you
buy a $2 soda, you’ll still earn 10 ThankYou points. A $13 movie ticket will
earn 20 points. This perk is most valuable on small purchases, where you are
earning significantly more than you usually would. By making this card your
go-to for smaller transactions, you increase your overall rewards rate.

Redeem all the points you earn every year

The Citi Rewards+ Card offers 10 percent back on all the
ThankYou points you redeem, up to 100,000 points per year. Even if you don’t
hit the cap, redeeming your points often ensures you earn even more rewards.

Pair Citi Rewards+ with other Citi cards to stockpile ThankYou points

Citi offers a wide range of cards that earn ThankYou points,
each with unique bonus categories that differ from the Citi Rewards+. By
pairing more than one card, you can earn bonus ThankYou points in different
categories and boost your rewards. Here are a few other cards that can help you
stockpile these points.


Citi Premier
AT&T Access Card
Access Card from Citi

Rewards rate

  • 3 points per dollar on travel, including gas
  • 2 points per dollar on restaurants and
  • 1 point per dollar on other purchases

  • 2 points per dollar on online retail, travel
    websites and AT&T products and services
  • 1 point per dollar on other purchases

Sign-up bonus

ThankYou points if you spend $4,000 in first 3 months

ThankYou points if you spend $1,000 in first 3 months

Annual fee

$95, waived first year


Estimated earnings in first year ($1,325 monthly spend)



Final thoughts

The Citi Rewards+ can be a great addition to your wallet for
use on everyday purchases. By using the card primarily on gas, groceries and
small transactions, you boost your rewards potential. If you already own a Citi
card that earns ThankYou points, the Rewards+ can be a great way to snag extra points
on new bonus categories and get one step closer to your next trip or gift card.

See related: Guide
to the new Citi Rewards+℠ Card
latest no-fee card will reward you for every purchase
, Is
the Citi Prestige card the best dining rewards card available?

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