Citi Rewards+® Card
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 2x | on the first $6,000/year |
| Gas | 2x | on the first $6,000/year |
| Everything else | 1x | uncapped |
See how it ranks: best groceries cards · best gas cards.
Non-cash perks
- Automatic round-up to the nearest 10 points on every purchase, no cap
- 10% points back on the first 100,000 points redeemed each year
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone applying today. The issuer no longer opens this card to new applicants. It stays published because people still hold it, not because it can be applied for.
- A heavy groceries spender. The 2x on groceries stops after $6,000 of it per year. Past that the same purchases earn its base 1x, so the headline rate describes the first $6,000 only.
Comparing cards in the same currency? See the best cards that earn Citi ThankYou points →
More from Citi
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.nerdwallet.com · www.citi.com. This card is closed to new applicants. Spot an error? Tell us.