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⚖ Add to comparisonCiti · Mastercard
Citi Rewards+ Card
The reason to grab Rewards+ isn't the rate, it's the round-up: every purchase rounds up to the nearest 10 points, so a $2 coffee earns 10 points, which is a quiet win if you make lots of tiny transactions. The base earn is otherwise low (2x on supermarkets and gas capped at $6,000/year, then 1x), so heavy spenders will out-earn it on almost any flat-rate card. There's a 3% foreign fee too, so leave it home abroad. It shines as a sidecar to a Strata Premier, where the 10%-back-on-redemptions perk and pooled points actually become transferable; confirm the current setup on Citi's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓The round-up feature bumps each small purchase up to 10 points
- ✓Get 10% of your points back on the first 100,000 you redeem each year
- ✓Combine it with the Strata Premier so the points become transferable
👍 Pros
- + Carries no yearly fee
- + A one-of-a-kind points round-up
- + A lengthy 0% intro APR window
👎 Cons
- – Tacks on a 3% fee for foreign transactions
- – A modest base earning rate
- – Bonus categories come with a point cap
Can you get it?
- ▸A good credit score
- ▸Enough income to back the credit line
- ▸Have not collected a bonus on this card within 48 months
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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