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.

Citi Rewards+ Card at a glance

Rewards & perks

• 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

Who should apply

• A good credit score
• Enough income to back the credit line
• Have not collected a bonus on this card within 48 months

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Citi site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.