ThankYou Points Calculator: Citi Rewards Plus Card

The Citi Rewards Plus Card earns 2X points on supermarket and gas purchases and rounds points up to the nearest 10. Calculate rewards and compare cards.

The Citi Rewards+® Card earns 2 ThankYou Points per $1 spent on both supermarket and gas station purchases. Along with that, points earned on purchases made on the card will be rounded up to the nearest 10. Depending on your purchases, this can earn you a good amount of bonus points throughout the calendar year. The Citi Rewards Plus Card also offers a 10% point rebate when redeeming points which means you'll save points that you can put towards a future redemption. The card has no annual fee and is one of the best no-annual fee credit cards for earning rewards.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Citi Rewards+ Card features two bonus categories that will earn you extra ThankYou Rewards Points. Those categories are supermarket and gas station purchases. You'll earn bonus points on up to a combined spend total of $6,000 per year between these categories and after you hit this cap, you'll earn at the non-category rate of 1x for the remainder of the year. There is no limit to the amount of points you can earn with the card overall.

  • 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

Perks & Benefits

The Citi Rewards+ Card features two primary benefits which is the Point Round Up perk and the 10% rebate on redeemed 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.

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 significant amount of extra points throughout the year on top of what the calculator outputs.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

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.
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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Change Order
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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Unsure of what type of rewards card you're looking for? Use CardMatch™ to get matched with offers, which may include special and/or prequalifed offers, on cards you're more likely to qualify for. You never know what great offers you might receive!


Is the Citi Rewards Plus a good credit card?

The Citi Rewards Plus Card is one of the best no-annual fee credit cards on the market for earning rewards that are great towards travel and other redemptions. Due to the 10% point rebate, the card also pairs well with premium cards like the Citi Premier® Card and Citi Prestige® Card.

How much is 15,000 Citi ThankYou Points worth?

Citi ThankYou Points are worth 1 cent for most redemptions, so 15,000 ThankYou Points would be worth $150. You can transfer points to Citi's transfer partners for a chance at even more value.

Updated 2021-04-05 By Robert Flowers III

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