Citi Rewards+ Card Calculator

Card Details & ThankYou Points Calculator
2X Supermarket
2X Gas Station
Point Round Up
10% Point Rebate

Review the benefits of the Citi Rewards Plus Card and calculate how many ThankYou Points you can earn based on your spend. Compare results to top cards.

The Citi Rewards+ Card is the newest card to join the ThankYou Rewards program and replaces the Citi Preferred Card which is now unavailable. The Rewards+ Card earns a decent amount of points on both grocery and gas station purchases, but what stands out about the card is that points round up to the nearest 10 points and that you can get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year. It has no annual fee meaning it will pair well with the Premier and/or Prestige cards.

Bonus Categories

The Citi Rewards+ Card features two bonus categories which are supermarket and gas station purchases. There is a limit of $6,000 per year in combined spend between gas station and grocery purchases. After you hit that limit, you will earn ThankYou Points at the non-category rate for both categories. There is no limit to the amount of points you can earn with the Citi Rewards+ Card in general.

  • 2x Supermarket
    • $6,000 spend cap between this and gas station spend; Earns 1x after cap is hit.
  • 2x Gas Station
    • $6,000 spend cap between this and supermarket spend; Earns 1x after cap is hit.
  • 1x Non-Category

With the Citi Double Cash being able to earn an unlimited 2x ThankYou Points on all purchases, these bonus categories don't mean too much. This card is about the Point Round Up and Point Rebate benefits, not the base earning rates of the card itself.

Perks & Benefits

The Citi Rewards+ Card features two benefits that stand out. The Rewards+ rounds all purchases up to the nearest 10 points and it offers a 10% rebate on redeemed ThankYou Points.

  • Point Round Up
    • Purchases made on the card will be rounded up to the nearest 10.
    • Includes gas station and grocery purchases.
    • Example: You purchase a $0.99 coffee, you'll earn 10 points instead of 1 point due to rounding up to the next tenth.
  • 10% Point Rebate
    • Redeeming points will earn you 10% of your points back.
    • Limited to the first 100,000 points redeemed per year.
    • Example: You redeem 20,000 points towards travel, you will get 2,000 of those points back.

Sign Up Bonus (SUB)

The standard sign up bonus for Rewards+ Card is 15,000 ThankYou Points after spending $1,000 within the first 3 months of having the card. This is a value of at least $150 but can be worth more with the 10% rebate and even more if you have the Premier or Prestige Card which allows you to transfer your earned ThankYou Points to airline partners.


Annual Fee

The Citi Rewards+ Card does not have an annual fee. This allows you to easily pair this card with other ThankYou Point earning cards to maximize the amount of points you can earn as well as save with the Points Rebate benefit.

Authorized User Fee

There is no authorized user fee for the Citi Rewards+ Card. I recommend adding friends and family to the card in order to maximize the amount of points you can earn running spend through the card.

Foreign Transaction Fee

The Citi Rewards+ Card has a foreign transaction fee of 3%. That makes this card a bad choice for international travel and spend. If you're looking to earn ThankYou Points internationally, you'll want to consider using the Citi Prestige or Citi Premier cards.

Note: The Citi Rewards+ Calculator does not factor in the rounding of points to the nearest 10 since each transaction will vary. Just keep in mind that this benefit can earn you a few hundred to a few thousand extra points depending on your spending habits.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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