Citi Rewards+ Review 2026

Citi · Mastercard C-Tier Small bonus
Apply Now →
via Citi secure site
Signup Bonus
15K pts
Worth ~$285
Annual Fee
$0
No fee
Credit Score
660+
Good
Regular APR
18.99%-28.99%
0% 15mo
CardTier Score C
Updated March 2026 · Spend: $1,000 in 3 mo · Foreign fees: 3%

Citi Rewards+ Review 2026

The Citi Rewards+ is a cash back card from Citi that earns 2X on Gas/Groceries. Rounds up every purchase to nearest 10 points.

The signup bonus of 15K pts is valued at approximately $285, requiring $1,000 in spending within 3 mo. With no annual fee, this card provides strong value with zero financial commitment.

Earning rates are tiered: 2X on Gas/Groceries, 1X on Everything. This structure rewards small bonus effectively.

The card includes Round Up to Nearest 10 Points, 10% Points Back on First 100K, No Annual Fee.

Points are transferable to Citi ThankYou — unlocking premium travel redemption values beyond standard cash back rates.

CardTier Bottom Line: The Citi Rewards+ earns a C-Tier rating with $285 in first-year value. Best suited for: Small bonus. Note: this card charges foreign transaction fees, so use a different card abroad.

Rewards Earning Rates

Gas/Groceries 2X
Everything 1X

Key Benefits & Perks

Round Up to Nearest 10 Points
10% Points Back on First 100K
No Annual Fee

Transfer Partners

Citi ThankYou
Apply for Citi Rewards+
15K pts bonus · No annual fee · 660+ credit score required
Apply Now →
Rates and fees subject to change. CardTier may receive compensation if you apply through our links.

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