Citi · Mastercard · personal · discontinued · Citi ThankYou Points
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Earning
| Groceries (supermarkets)
Legacy: "2x points on grocery and gas, up to $6,000 per year, then 1x" (combined cap)
up to $6,000/year, then 1x
|
2x | 2% |
| Gas stations
Legacy: shares the $6,000/yr cap with supermarkets
up to $6,000/year, then 1x
|
2x | 2% |
| Everything else | 1x | 1% |
Right column: value per $ at travel valuation (1¢/pt — transfer value 1.7¢ needs a card that unlocks transfers). 1¢ cash. Full transfer partners need a Strata Premier / Strata Elite; the no-fee Strata transfers to a subset incl. American; Double Cash/Custom Cash alone transfer only to Choice, Wyndham, JetBlue.
Credits
None.
Benefits
- (Legacy, ended) Rounded every purchase up to the nearest 10 points — Removed on conversion to Citi Strata; transition accounts kept it until 2026-07-19.
- (Legacy, ended) 10% points back on the first 100,000 points redeemed each year — Removed on conversion to Citi Strata; transition accounts kept it until 2026-07-19.
- No annual fee
Protections
| rental car | none |
Notes
DISCONTINUED. Citi paused new Rewards+ applications on 2025-04-08 and converted existing Rewards+ accounts to the no-annual-fee Citi Strata Card on 2025-07-20 (Doctor of Credit, 2025-05-22); accounts opened 2024-07-20 through 2025-07-19 kept the round-up and 10% points-back features only until 2026-07-19, so as of 2026-09 no one holds a Rewards+ card — use the citi-strata record. The old product URL now serves the Citi Strata Card page and Rewards+ is absent from Citi's all-cards listing. Legacy structure kept for reference: 2x supermarkets and gas on the first $6,000/yr combined then 1x, 1x elsewhere, round-up to nearest 10 points, 10% points back on first 100,000 points redeemed/yr, $0 annual fee, 3% foreign transaction fee. Web-verified 2026-09-08 against https://www.citi.com/credit-cards/compare/view-all-credit-cards and https://www.doctorofcredit.com/new-citi-strata-card-to-replace-rewards-card-benefits-added-removed/.
Verified 2026-09-08 · confidence medium · sources: 1, 2, 3, 4, 5