Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$396/yr
$396 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$446/yr
$446 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$496/yr
$496 rewards
Rewards by Category
Dining
2x
Grocery
2x
Gas
2x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
2x
Rideshare
2x
Streaming
1x
Amazon
2x
Costco
2x
Other
1x
Apple
2x
Cell Phone
1x
Fast Food
2x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
2x points at supermarkets and gas stations (first $6k/year). All points rounded up to nearest 10. 10% points back on first 100k points redeemed/year.
Citi Rewards+ Card FAQ
What is the Citi Rewards+ Card annual fee?
The Citi Rewards+ Card has no annual fee.
What is the Citi Rewards+ Card signup bonus?
20,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Citi Rewards+ Card?
2x on flights, 2x on hotels, 2x on other travel. Everything else earns 1x.
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