Citi ThankYou Rewards+ Credit Card Review

Citi Rewards Plus Credit Card


Application Link

  • Target Bonus: 15,000 ThankYou Points
  • Current Bonus: 15,000 ThankYou Points

Annual Fee: $0

Earning ThankYou Points

  • 2X at Supermarkets & Gas Stations for the first $6,000 per year 
  • 1x points everywhere else
  • Round up to the nearest 10 points on every purchase
    • (e.g., a $1 purchase would earn 10 ThankYou points (normally only 1 point without this perk); $101 purchase would earn 110 ThankYou points)

Rewards+ Card Benefits

  • 10% Points Back for the first 100,000 ThankYou Points you redeem per year

Redeeming Rewards+ Thank You Points

You can redeem ThankYou points for one cent each for gift cards or through the Citi Travel Portal.

However, the Rewards+ credit card is considered a basic ThankYou Points card, which means you cannot transfer ThankYou points directly to airlines like the Citi Prestige or Citi Premier credit cards.

There are two exceptions to this rule: 

  • You can transfer to JetBlue at a 5 ThankYou Points and 4 JetBlue points. 
  • If you have a Citi Prestige or Citi Premier credit card, you can combine the ThankYou points and then transfer to Citi’s airline partners. However, you will be ineligible for the 10% points back bonus, but I find that you can usually get at least 1.6 cents per point in value from Citi ThankYou airline partners, whereas you would only get 1.1 cent in value from redeeming for gift cards or travel portal with the 10% bonus.