Citi Rewards+ Card Review & Point Calculator

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Rewards Rates

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.

Earn 1X ThankYou® Points on All Other Purchases.

Current Intro Bonus

Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel(SM) Portal through June 30, 2024.

Key Cardholder Benefits

Purchases made to the Citi Rewards+ Card will be rounded up to the nearest 10. This includes supermarket and gas station purchases.
As a Citi Rewards+ Card holder, redeeming your ThankYou Points will earn you 10% of your points back into your account. This is limited to the first 100,000 points redeemed per year.

Rewards Value

Redemption Option	Average Value (in cents)
Point transfers to airline and hotel partners	0.6 - 2.0
Redeeming points through Citi ThankYou travel portal	1
Cash back redemptions	0.5
Point redemptions on Amazon.com	0.8

Citi Rewards+ Points have an average value of 1 cent per point meaning that 15,000 points would be equal to about $150.

If you own the Citi Premier® Card, you'll be able to transfer ThankYou Points at a 1:1 ratio to all of Citi's airline and hotel partners. This can bump the value of your points as high as 2 cents each for certain redemptions.

Annual Fees

The Citi Rewards+ Card has a $0 annual fee.

Citi Points Calculator

Calculate how many ThankYou Points you can earn with the Citi Rewards+ Card based on spend and the cash value of those points. Results can be compared side-by-side any U.S. credit cards featured on the site to see which cards earns you the most rewards.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit 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 significant amount of extra points throughout the year on top of what the calculator outputs.

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Credit Cards

Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.

Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.

Clicking on Add Selected Card will add it to the calculator.

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Compare A Card

Add a credit card to compare side by side based on spend, benefits and fees.

Search Cards

Search for a credit card by name, rewards program, or the rewards currency it earns.

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Family Cards

These cards are part of the same family and generally earn the same type of rewards.

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Business Cards

Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

Intro Bonus:

Annual Fee:

Authorized User Fee:

Bonus Categories:

Add Categories - Adds any missing bonus categories from the selected card to the Category Spending section once added. Copy Spend - Copies spend values from the first column to the second/third column on card add.

Category Spending

Add Categories

Calc Options

Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.

You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.

Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.

Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.

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:

Spend Region:

Category Spending Total

The amount of rewards earned from card spending.

Rewards & Bonuses

If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.

Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.

If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Rewards & Bonus Total

The amount of rewards earned from card bonuses.

Total Rewards & Cash Value

This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.

You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).

Rewards Average Value By Redemption

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How much is 0 worth?

Average Value

This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.

Transfers To Partners

Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.

Cash Back, Statement Credits

Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.

Travel

Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).

Gift Cards

Redemptions to do with using your rewards towards the purchase of gift cards.

Reward Transfers To Partners

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Currency Worth

Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.

Rewards Cash Value

The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.

Monetary Bonuses

This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.

If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Total Cash Value

The total cash value of all listed benefits plus the cash value of rewards earned.

Fees

With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.

If the card charges a fee for adding authorized users, it will also appear in this section.

Annual Fee

This is the fee you must pay annually to have the card.

Authorized User Fee

This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.

Total Card Value

This is the total cash value of each listed card when factoring in all rewards and all fees.

Learn More

Learn more about the card through our partners.

Earning Rate Comparison

Want to know how the Citi Rewards+ Card earning rates stack up against other ThankYou Rewards credit cards? The table below lists out the earning rates per $1 spent for all credit card partners so you can see where it stands.

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FAQ

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.

Citi ThankYou Rewards points calculators

Use our Citi points calculators to calculate how many points you can earn with Citi credit cards based on spend, the value of points based on redemption, and the transfer of points to partners for the Citi ThankYou Rewards program.

Use our Citi credit card calculators to estimate how many points you can earn and the cash value of the card based on the spend amounts you enter, how much you value benefits, and annual fees.

Our calculators allow you to compare up to two additional credit cards side by side based on same or different spend. Plus, all spend amounts you enter in the Primary card's column rolls over to all credit card rewards calculators on the site!

Citi Premier® Card

Best overall for everyday spending and travel.

Citi Rewards+® Card

Best for earning points at no annual fee.

Citi Custom Cash℠ Card

Best for automatically maximizing cash back.

Citi® Double Cash Card

Best for flat-rate cash back at no annual fee.

Citi ThankYou Rewards points can be transferred to a handful of airline and hotel partners if you have the Citi Premier Card. This gives you the chance to redeem your points for significantly higher value than the average 1 cent per point.

Citi Points To Airline Miles and Hotel Points

Citi ThankYou Rewards Transfer Partners (+ Calculator)

View the full list of Citi transfer partners and calculate the conversion of Citi points to airline miles and hotel rewards points.

Want to know how much your Citi ThankYou Rewards points are worth and the different ways you can redeem them? Check out our calculators and guides below!

Calculator: What's The Value of Citi ThankYou Points?

View the list of redemption options for Citi ThankYou Rewards points and find out which redemptions offer the best value.

Also See: AMEX Membership Rewards Points · Chase Ultimate Rewards Points · Capital One Venture Miles

Maximize your rewards

Looking for the best travel credit cards? Check out a few of our top picks below and use our calculators to find out how much you can earn!

Best for flexible travel rewards: Chase Sapphire Preferred Card.
Best for unlimited miles on purchases: Capital One Venture X Rewards Credit Card.
Best travel card for foodies: American Express® Gold Card.
Best for luxury travel: The Platinum Card® from American Express.
Best for rewards on travel and everyday spending: Citi Premier® Card.
Best for small business travel: Capital One Spark Miles for Business.

Find the perfect card for you

Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!

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