The Citi Rewards+® Card doesn’t necessarily offer more rewards on home improvement purchases, but the points you earn are rounded up to 10 for every purchase. That makes this card a good option if you plan to take on a small project that requires a lot of smaller purchases on your card over time.
Rewards: Earn 2 ThankYou Points per dollar at supermarkets and gas stations for the first $6,000 in spending per year and 1 ThankYou Point per dollar on all other eligible purchases. Plus, for a limited time, earn 5 ThankYou Points per dollar on restaurants up to $6,000 in the first 12 months of account opening and 1 ThankYou Point thereafter.
Bonus Offer: New cardholders can earn 20,000 bonus points after spending $1,500 in purchases within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.
Annual Fee: $0
Benefits and Drawbacks: All rewards earned on this card will be rounded up to the next 10 points, so an $11 stop at Home Depot would net you 20 points rather than 11. Further, you’ll receive a 10% bonus when you redeem your rewards, which can net you an additional 10,000 points back per year.
If you want to save money on interest, you’ll also be happy to know this card offers 0% intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 15.74% – 25.74%, based on your creditworthiness. An intro balance transfer fee of either 3% of each transfer or a minimum amount of $5 within the first 4 months of account opening applies. After that, the amount of each balance transfer will be 5% of each transfer (minimum $5) applies. There’s a $0 annual fee, and you can redeem your rewards for merchandise, travel, gift cards, and more.
Read our full Citi Rewards+® Card review.