Citi Rewards+
Every purchase rounds up to the nearest 10 points.
★ 7.0/10CitipersonalCiti ThankYou Points
View Current OfferBest for: Small-purchase round-ups in a ThankYou setup
Welcome Bonus
20,000
≈$360 value
Spend Requirement
$1,500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Sign-Up Bonus (points)Spending Requirement ($)
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xSupermarkets and gas stations (first $6,000 per year)
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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. Put small transactions on it for the round-up and let the 10% rebate quietly discount every ThankYou redemption you make.
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