Terms checked 2026-10-26
3x on five everyday categories. The broadest mid-tier earner.
60,000 pts bonus (≈$1,080)AF: $95Rating: 8.6/10
Citi Rewards+
By Alex Compton · Last verified
The round-up card, retired in favor of the Citi Strata.
★ 7.0/10CitipersonalCiti ThankYou Points
DiscontinuedBest for: Existing holders in a ThankYou setup
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · 3% FTF
Credit Score
670+
(Good)
Common Questions
Is the Citi Rewards+ discontinued?
Yes. Closed to new applications; replaced by Citi Strata. The round-up card, retired in favor of the Citi Strata.
What can I use instead of the Citi Rewards+?
The closest open alternatives we track are the Citi Strata Premier, Citi Double Cash, Costco Anywhere Visa Card by Citi. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Citi Rewards+ is no longer open to new applicants. Compare these cards for a similar use.
Citi Double CashCiti
Terms checked 2026-10-22
2% on eligible purchases: 1% when you buy and 1% as you pay
20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10
Terms checked 2026-10-12
5% on Costco gas and 4% everywhere else you fill up.
Special bonusAF: $0Rating: 7.9/10
Historical Offers Chart
Dated offer history for this discontinued product.
Sign-Up Bonus (points)Spending Requirement ($)
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2025-04 | 20,000 | $1,500 in 3 mo | Terms reconfirmedFinal offer before the Strata replaced it | Archive record · no attached snapshot |
| 2024-01 | 20,000 | $1,500 in 3 mo | Bonus increased: 15,000 → 20,000 · Spend: $1,000 → $1,500 | Archive record · no attached snapshot |
| 2021-01 | 15,000 | $1,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Historical record · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xSupermarkets and gas stations (first $6,000 per year)
- 1xAll other purchasesEvery purchase rounds up to the nearest 10 points
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Round-up makes small purchases earn outsized points
- ✦10% points back on the first 100,000 points redeemed each year
- ✦Pools with Strata Premier or Strata Elite for full transfer access
Why it earns its spot
- +A $1 coffee earns 10 points
- +10% redemption rebate stacks across the whole ThankYou account
Where it costs you
- −Standalone points have limited redemption value
- −3% FTF
The Compound Verdict
A niche accelerant, not a primary card. Citi stopped accepting applications when the no-fee Strata launched in May 2025, but existing cardholders keep the round-up and the 10% redemption rebate, which still quietly discounts every ThankYou redemption in the household.
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