Core Insights - The Citi Rewards+® Card is gaining popularity due to its no annual fee and attractive bonus promotion for new cardmembers, making it a competitive option in the rewards credit card market [1][4] Rewards Structure - The card offers a welcome bonus of 20,000 points after spending $1,500 in the first 3 months, which can be redeemed for $200 in gift cards or travel rewards [4] - The rewards rate includes 5x points on hotels, car rentals, and attractions booked on CitiTravel.com until December 31, 2025, 2x points at supermarkets and gas stations (up to $6,000 spent per year), and 1x points on all other purchases [5][6] - A unique feature of the card is the "roundup" program, which rounds up points earned on purchases to the nearest 10 points, benefiting users who make small transactions [6][10] Redemption Options - Points can be redeemed through the ThankYou.com rewards portal for various options including gift cards, travel bookings, statement credits, and shopping at select retailers [11][12] - Additionally, cardholders receive 10% of their redeemed points back on up to the first 100,000 points redeemed per year, enhancing the overall value of the rewards program [7] Benefits and Drawbacks - The card has a competitive introductory APR of 0% on purchases and balance transfers for the first 15 months, which is beneficial for users looking to make large purchases or pay off existing debt [8][9] - However, it lacks certain protections such as travel insurance and purchase protection, which may be a consideration for potential users [9][16] Acceptance and Usage - The Citi Rewards+ Card is issued under the Mastercard network, ensuring wide acceptance at retailers both in the U.S. and internationally [12]