The Citi Rewards+ ® Credit Card is a popular choice among those looking to earn rewards on everyday purchases while enjoying unique features that set it apart from other credit cards. In this article, we’ll delve into everything you need to know about the Citi Rewards+ ® Credit Card, including its standout features, benefits, and how to make the most of your rewards.
What Makes the Citi Rewards+ ® Credit Card Unique?
The Citi Rewards+ ® Credit Card offers several features that make it a standout option in the credit card market:
- Round-Up Rewards: One of the most distinctive features of the Citi Rewards+ ® card is its ability to round up rewards points on every purchase to the nearest 10 points. For example, a $2 coffee purchase earns 10 points instead of 2, making it ideal for small, frequent transactions.
- 10% Points Back: Cardholders receive 10% of their redeemed points back, up to 100,000 points per year. This feature allows you to stretch your rewards further.
- No Annual Fee: The card has no annual fee, making it an excellent choice for those who want to earn rewards without an upfront cost.
Learn more about the Citi Rewards+ ® Credit Card benefits on the official website.
How to Earn Rewards with the Citi Rewards+ ® Credit Card
Earning rewards is straightforward with the Citi Rewards+ ® card. Here’s how you can maximize your points:
- Grocery Stores and Gas Stations: Earn 2X ThankYou® Points at supermarkets and gas stations on the first $6,000 per year in purchases. After reaching the limit, you earn 1X point per dollar spent.
- All Other Purchases: Earn 1X point on all other eligible purchases.
- Promotional Offers: Citi often provides limited-time offers and bonuses, so keep an eye out for opportunities to earn additional points.
Find detailed earning categories and bonuses.
Redeeming Your Citi Rewards+ ® Points
ThankYou® Points earned with the Citi Rewards+ ® card can be redeemed in various ways, offering flexibility for cardholders:
- Travel: Use points to book flights, hotels, and car rentals through the Citi ThankYou® Travel Center.
- Gift Cards: Redeem points for gift cards from popular retailers, restaurants, and online stores.
- Statement Credits: Offset your credit card bill by redeeming points for statement credits.
- Shopping: Use points for purchases on Amazon or other participating retailers.
Discover the full range of redemption options.
Benefits Beyond Rewards
The Citi Rewards+ ® Credit Card offers additional perks that enhance the overall cardholder experience:
- Introductory APR: Enjoy a 0% intro APR on balance transfers and purchases for the first 15 months. After that, a variable APR applies based on your creditworthiness.
- Fraud Protection: Citi’s robust fraud detection systems monitor your account for suspicious activity.
- Digital Wallet Compatibility: The card is compatible with popular digital wallets like Apple Pay and Google Pay, ensuring convenient and secure transactions.
- Contactless Payments: Tap to pay with the card’s contactless feature for fast and secure purchases.
Who Should Get the Citi Rewards+ ® Credit Card?
The Citi Rewards+ ® Credit Card is best suited for:
- Everyday Spenders: Those who frequently make small purchases will benefit from the round-up feature, maximizing rewards.
- Budget-Conscious Individuals: With no annual fee, the card is an excellent choice for anyone looking to earn rewards without added costs.
- Travel Enthusiasts: Redeeming points for travel through Citi’s ThankYou® Travel Center can provide significant value.
- Existing Citi Customers: Those already banking with Citi will appreciate the seamless integration of accounts and benefits.
Check if this card aligns with your spending habits.
Tips for Maximizing Your Citi Rewards+ ® Card Benefits
To get the most out of your Citi Rewards+ ® Credit Card, consider these strategies:
- Pair with Another Citi Card: Pairing the Rewards+ ® card with a Citi Premier® card can enhance your earning potential by unlocking higher redemption values for travel.
- Automate Payments: Use the card for recurring bills and subscriptions to steadily accumulate points.
- Monitor Promotions: Regularly check for exclusive offers, such as bonus point opportunities or limited-time discounts.
- Use for Small Purchases: Leverage the round-up feature by using the card for low-cost transactions, such as coffee or snacks.
Get expert tips on optimizing your rewards.
Final Thoughts
The Citi Rewards+ ® Credit Card combines a unique approach to earning rewards with practical benefits and no annual fee. Whether you’re a savvy shopper or a frequent traveler, this card offers exceptional value when used strategically. To ensure you’re making the most of your rewards, keep track of your spending categories, take advantage of promotional offers, and explore redemption options that align with your lifestyle.
Apply for the Citi Rewards+ ® Credit Card today and start earning rewards!
