Citi Rewards+®
The Citi Rewards+® from Citi earns up to 1.6% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 1.6%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Citi Rewards+ earn in each category?
Grocery is the strongest category at 1.6% effective value (2x points at about 0.8 cents each). That grocery rate ranks higher than about 45% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Grocery is the strongest category at 1.6% effective value (2x points at about 0.8 cents each). That grocery rate ranks higher than about 45% of the 1,552 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 0.8% |
| Grocery Supermarkets and grocery stores | 2x points | 1.6% Top category |
| Gas Gas stations and fuel | 2x points | 1.6% |
| Travel Flights, hotels, transit | 1x points | 0.8% |
| Other General everyday spend | 1x points | 0.8% |
Madeen values Citi ThankYou Rewards at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Citi Rewards+ reward caps and conditions?
The Citi Rewards+ has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 spent per year. Capped at $6000 per year.
Who should get the Citi Rewards+?
The Citi Rewards+ fits spenders who put meaningful volume in grocery and can earn 2x points. Best for spenders who put meaningful volume in grocery and can earn 2x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Citi Rewards+ fits spenders who put meaningful volume in grocery and can earn 2x points. Madeen ranks its grocery effective rate higher than about 45% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2x points.
Foreign transaction fees make it weaker for international spend.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is grocery at about 1.6% effective (2x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Citi ThankYou Rewards value depends on how you redeem, not straight cash back.
Does the Citi Rewards+ have an annual fee, and what's the welcome bonus?
The Citi Rewards+ has an annual fee of $0 and a foreign transaction fee of $3. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Citi Rewards+?
The Citi Rewards+ includes Citi Entertainment®, Extended Warranty, Purchase Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Citi Entertainment®
Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
- Extended Warranty
Get an extra 24 months added to your warranty when you purchase items at least in part with your Citi card and/or ThankYou® Points. If your eligible item breaks, we’ll repair, reimburse or replace it, up to the amount charged on your Citi card and/or ThankYou® Points or up to $10,000 per item, whichever is less.
- Purchase Protection
With your Citi Rewards Credit Card shop with more confidence – Purchase Protection covers purchases made with your Citi Rewards Card if they are damaged or stolen within 90 days of purchase. You’re covered for up to USD 2,000 per claim and a maximum of USD 5,000 over a 12-month period. The item will either be replaced with a brand new one, or you will be reimbursed for the full value of the item as per the store receipt.
Common questions about the Citi Rewards+
Does the Citi Rewards+ have an annual fee?
The Citi Rewards+ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Citi Rewards+?
Grocery is the strongest Madeen category for the Citi Rewards+ at about 1.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Citi Rewards+ charge foreign transaction fees?
The Citi Rewards+ charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Citi Rewards+?
Madeen's catalog lists a typical credit range of Good for the Citi Rewards+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Citi Rewards+?
Rewards on the Citi Rewards+ post as Citi ThankYou Rewards. Redemption value depends on how you use Citi ThankYou Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Citi Rewards+?
To maximize the Citi Rewards+, route grocery and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Citi Rewards+ compare to similar cards?
Compare the Citi Rewards+ against Citi Dividend (5% on Grocery, $0 fee); AllModern Mastercard (3% on Grocery, $0 fee); American Airlines AAdvantage MileUp Mastercard (3% on Grocery, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citi Rewards+ This card | Grocery | 1.6% | $0 |
Citi | Grocery | 5% | $0 |
| Grocery | 3% | $0 | |
| Grocery | 3% | $0 | |
| Grocery | 3% | $0 |
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