Citi Rewards+ card now live (15K bonus, maybe a good downgrade option)

We recently wrote about the new Citi Rewards+ Credit Card that was expected to launch soon. That card features the interesting benefit of rounding up all purchases to the nearest 10 points — which oddly bonuses small purchases more strongly than anything else. That card is now live for applications. I suspect that most readers will either find this one not worth applying for or not be eligible, but the fact that it is live for applications means that it may now or soon be available as a downgrade option. Update: A reader reports having successfully product changed today. Thanks to Buenaventura.

The Offer

Key Card Details

Citi Rewards+ Card

FM Mini Review: 10% points rebate (up to 10K rebate per year) make this a great choice to pool with ThankYou Premier and/or Prestige

Annual Fee: $0

Card Type: Mastercard World


Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases

Noteworthy perks: Round up to the nearest 10 points on all purchases with no cap. ⚬ get 10% of your points back on the first 100K redeemed each year

See also: Citi ThankYou Rewards Complete Guide

Quick Thoughts

We wrote about this card previously. See these posts for more information on what makes this card interesting, ripe for abuse, and unlikely to work out as well as we would all hope:

Again, it wouldn’t make sense to apply for this card for most folks. You are not eligible for the welcome bonus if you have received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi Premier, or Citi Prestige, or if you have closed any of these cards, in the past 24 months. Furthermore, I expect that applying for this card would lock you out of the (more lucrative) bonuses on those other cards for the next two years as well. While the Premier is the only one of the bunch currently available for applications, the Prestige is expected to launch again in the not-so-distant future.

The good news on this launch is mostly that this could be a good downgrade path for those who want to product change away from a Premier or Prestige card without closing the account so as to avoid becoming ineligible for future bonuses.

H/T: Doctor of Credit

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

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Does converting a Dividend to an AT&T Access card reset your clock for the ThankYou cards? Fine print on the Premier and this one makes it seem like that card doesn’t matter.


Wow, what a turd of a card.


when you product change into the card, are you eligible for the sign-up bonus of 15k points?


Do you think I can switch from my TY Preferred card?


Just off phone with Citi – will not allow product changes from AA cards until Monday, Jan 14.


(keeping my Preferred as will be only Citi card still offering 2x Entertainment come Sept. may go away on this card, too, but keeping just in case)