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.

a card with text on it

The Offer

Card Offer
20K points ⓘ Affiliate
20K points after $1.5K spend in 3 months
No Annual Fee

Key Card Details

Card Name w Details & Review (no offer)
FM Mini Review: The fact that you can get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year, makes this a great choice to pool with ThankYou Premier, Prestige, and/or Double Cash Click here for our complete card review

No Annual Fee
Earning rate: 5x on travel booked through Citi Travel℠ Portal through June 30 2024 (excludes air travel) ✦ 2X at supermarkets and gas stations on up to $6,000 per year ✦ Round up to nearest 10 TY points on all purchases
Base: 1X (1.45%)
Gas: 2X (2.9%)
Grocery: 2X (2.9%)
Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees.
Noteworthy perks: Round up to the nearest 10 points on all purchases with no cap. ✦ Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year.

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

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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)


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

Justin O'Shea

Yes. Just did.


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


Wow, what a turd of a card.


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.