The Citi Rewards+ card is worth it if you want a no-annual-fee card that rounds every purchase up to the nearest 10 ThankYou Points — making small transactions earn more than they typically would. It earns 2x on supermarkets and gas (up to $6,000 in combined spending per year), 1x on everything else, and rounds up every purchase to the nearest 10 points. The main limitation is that ThankYou Points are most valuable when transferred to airline partners, which requires pairing with a higher-tier Citi card.
The Citi Rewards+ card has a niche: it's the only no-annual-fee card that rounds every purchase up to the nearest 10 ThankYou Points. Buy a $1 coffee? You earn 10 points instead of 1. That math adds up on the small everyday transactions most rewards cards ignore.
The round-up is most valuable on transactions under $10 — parking meters, coffee, fast food, transit. On a $2 purchase, rounding to 10 points is effectively 5x. On a $9 purchase it's a bit over 1x. The value tapers off on larger transactions where the rounding difference shrinks relative to the spend.
ThankYou Points can be redeemed for gift cards, travel through Citi's portal, or statement credits — typically at about 1 cent per point. Transfer to airline partners (like Turkish Airlines Miles&Smiles, Singapore Airlines KrisFlyer, or Wyndham) unlocks higher value, but to transfer at full value you generally need to also hold the Citi Strata Premier or Citi Prestige card. Without a premium Citi card, your transfer options are more limited.
The $6,000 annual cap on 2x grocery/gas means the bonus rate cuts off around $500/month of combined spending. Heavy grocery and gas spenders may find a card with a higher or unlimited 2x-4x rate on those categories earns more, even with a modest annual fee.
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