Citi Rewards+ vs. other Citi cards

In the world of credit cards, the variety and complexity of options can be overwhelming. Yet, understanding the distinctions among various card offerings is key to optimizing your financial strategy. One distinguished option in the Citibank portfolio is the Citi Rewards+ card, which holds unique advantages and features when compared to its siblings in the Citibank lineup.

This post aims to provide a detailed comparison between the Citi Rewards+ card and other notable Citibank credit cards, helping you discern which card might best suit your spending habits and reward preferences.

From reward structures and bonus categories to annual fees and introductory offers, this exploration delves into the specifics that differentiate the Citi Rewards+ from its counterparts, equipping you with the information necessary to make an informed decision.

Introduction to Citi Rewards+

The Citi Rewards+ card is designed with the everyday spender in mind, offering unique features that maximize the value of daily transactions. One of its hallmark features is the Round Up function, where small purchases are rounded up to the nearest 10 points. This means even a $1 purchase can earn you 10 points, optimizing the rewards you accumulate on smaller transactions.

Additionally, the card provides a 10% points back on the first 100,000 points redeemed per year, further increasing your earnings potential. With no annual fee, the Citi Rewards+ card presents a compelling offer for those looking to make the most out of their everyday spending.

When juxtaposed with other Citibank credit cards, these features stand out as particularly suited for maximizing rewards from day-to-day purchases without incurring any additional costs.

Furthermore, the card also offers bonus points in popular spending categories such as supermarkets and gas stations, making it even more rewarding for routine expenditures.

Comparison with Other Citibank Cards

The Citi Double Cash Card, another prominent member of the Citibank family, offers a straightforward 2% cash back on all purchases—1% when you buy and another 1% as you pay. While appealing for its simplicity and potential reward rate, it lacks the rounding up feature and the category-specific bonuses of the Citi Rewards+.

On the higher end of the spectrum, the Citi Prestige Card caters to frequent travelers with perks such as complimentary 4th hotel night stays, extensive travel insurance, and higher rewards rates in travel and dining. However, it comes with a substantial annual fee, contrasting sharply with the no-cost nature of the Citi Rewards+.

Meanwhile, the Citi AAdvantage Platinum Select World Elite Mastercard is best for loyal American Airlines customers, offering benefits and points geared towards air travel. Unlike the Rewards+, its rewards structure encourages spending in specific contexts rather than everyday use.

Who Should Opt for Citi Rewards+?

The Citi Rewards+ card is ideal for those who seek to maximize their reward points without altering their spending habits drastically. Its unique features cater especially to individuals who make numerous small transactions and would benefit from the Round Up and 10% points back features.

For those who primarily spend on groceries and gas, the additional bonus categories further sweeten the deal, ensuring that routine purchases go further towards earning rewards. The absence of an annual fee makes the Citi Rewards+ an attractive option for cost-conscious consumers.

On the contrary, those with a heavy focus on travel or dining might find more value in alternative Citibank offerings, despite the associated costs.


The Citi Rewards+ card stands out within the Citibank portfolio for its consumer-friendly reward structure, specifically catering to everyday spending habits. The combination of the Round Up feature and no annual fee positions it as an accessible and lucrative option for a wide range of consumers.

However, when choosing the right credit card, personal spending patterns, and reward preferences play a crucial role. Thus, while the Citi Rewards+ offers substantial benefits for daily purchases, those with different spending priorities might find greater value in other Citibank credit cards.

In the end, the decision hinges on aligning your specific financial needs and goals with the unique offerings of each card.

Armed with this comparison, you're now better equipped to navigate the complex landscape of Citibank's credit card options and select the one that best suits your personal finance strategy.

The Citi Rewards+ card distinguishes itself with the Round Up feature, which rounds up points on every purchase to the nearest 10 points, and the 10% points back on redemptions, up to the first 100,000 points redeemed yearly, all without an annual fee.

While the Citi Rewards+ card offers valuable rewards for everyday spending, frequent travelers might prefer other Citibank cards like the Citi Prestige for travel-specific perks and rewards.

Yes, the Citi Rewards+ is designed to maximize the reward points you earn from everyday purchases, especially beneficial for those who make numerous small transactions, without requiring significant changes to spending habits.

Jessica Martins

Studying journalism and editor-in-chief of PLRP


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