Review Of The CitiRewards+ Card For The Year 2022

Oct 31, 2023 By Triston Martin

Consider the Citi Rewards plus Card if you want a no-annual-fee credit card that offers generous point rewards on everyday purchases like food and gas. Your first $6,000 spent annually at supermarkets and gas stations will earn you double ThankYou Points, and all other purchases will earn one point per dollar. 0% APR for 15 months on both balance transfers made in the first four months and new purchases makes this card a good choice for anyone looking for a balance transfer alternative.

Bonus On The Citi Rewards+SM Credit Card

Spend $1,500 on your new card during the first three months and receive a hefty 20,000 bonus points for a limited period. You can quickly and easily meet that spending requirement and earn the bonus if you use your card for essential purchases like groceries, gas, and utility bills.

While some credit cards offer higher point bonuses, doing so typically necessitates making a larger initial purchase. A bonus of 20,000 Citi ThankYou points is equivalent to $200. In addition, for every 5,000 points you earn, you'll receive $50, and for every 10,000 points you earn, you'll receive $100.

The Specifics Of Points Accumulation And Rewards

The Citi Rewards+ card reviews offers double ThankYou Points on the first $6,000 spent annually at supermarkets and gas stations and one point per dollar spent everywhere else. You'd get 12,000 points, worth $120, for spending $6,000 in those areas. Once you've spent $6,000 in those categories, you'll earn 1 point for every $1 spent elsewhere.

Purchases from discount supermarkets, convenience stores, drugstores, bakeries, and wholesale clubs are not counted as part of the supermarket category. No purchase of gasoline at any of those stations is eligible for the premium price.

Points Transferred

If you also have a Citi Premier or Citi Prestige card, you'll have access to the higher ThankYou Point values and more transfer options for the Citi Rewards+ card, potentially increasing the value of your points when you redeem them with a partner reward program. Keep in mind, too, that Citi has fewer transfer partners than some other card issuers.

Pros And Cons:


  • Gas and grocery stores have generous point systems.
  • A zero percent promotional interest rate for the first twelve months applies to balance transfers and purchases.
  • The first 100,000 points you cash in for a discount are 10 percent.
  • Automatic rounding of points


  • Possible forever penalty APR on foreign transactions
  • Different Perks of Using Your Card

Enjoyable Activities At Citi:

Pre-sale tickets and VIP experiences to live events like concerts and athletic games are yours to purchase with this privileged access.

The Concierge At Citi:

Possibility of calling on a team of specialists for assistance with any number of issues

Discounted Points:

The first 100,000 ThankYou points you redeem annually are eligible for a 10% rebate on all redemption options.

Ranking Of The Cards

Compare And Contrast The Citi Rewards+® Card And The Chase Freedom FlexSM Card.

Chase Freedom Flex could be the proverbial "needle in a haystack" if you're seeking a card that can be used for anything and gets bonus rewards in various spending categories. You can get 5% cash back on rotating quarterly categories worth up to $1,500 (needs activation) and 5% back on travel booked through Chase Ultimate Rewards®, 3% on eating and drugstores, and 1% back on all other purchases, all with no annual fee.

Compare The Citi Rewards+® Card To The Capital One SavorOne Cash Rewards Credit Card.

Like Citi Rewards+, the Capital One SavorOne has no annual charge. For example, cardholders can receive 3% cash back at restaurants, 8% cash back at Capital One Entertainment and 1% cash back on all other transactions (excluding superstores like Walmart and Target).

Credit Card Comparison: Citi Rewards+® Card vs. Bank Of America® Custom Cash Rewards

If you often spend a lot of money on basics like food and petrol, you may want to apply for the Bank of America Customized Cash Rewards credit card. It provides unlimited cash back on all purchases, cash back in grocery shops and wholesale clubs, and cash back on a category of your choosing.


There's a "plus" in the name, but the Citi Rewards+® Card from our partner, Citi, has a lot of drawbacks for everyone but the most committed ThankYou® Points maximizers. Note that there are many alternative credit cards where you can earn far more. Additionally, the value of a point when redeemed for a bill credit or as cash back is less than one cent. Take this into account less and select a card with better benefits.

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