Citi Rewards+ review: A rewards card that lets you round up for more earnings

The Citi Rewards + card is unique because your rewards will automatically be rounded up to the nearest 10 points on every purchase. Rewards are earned as ThankYou® Points, and there is no minimum purchase required to round up. That means that if you buy something as small as a latte for $3.23, Citi will round it up to 10 points. Even spending $10.99 on a burrito earns you 20 ThankYou® Points.

New cardholders can earn 15,000 bonus points after you spend $1,000 in purchases with your card within three months of account opening. There are lots of ways to redeem your ThankYou® Points, including applying them to Amazon.com or BestBuy.com purchases or buying gift cards. Once you redeem 100,000 ThankYou® Points annually, you will receive 10% points back to apply to your rewards balance and use the next time you redeem your points. Citi also allows you to send points to a friend via Points Sharing.

There is no limit to how many ThankYou® Points you can redeem per year, and the value of your points when you redeem them varies depending on the method you choose. CNBC Select calculated how many rewards the average American can earn if they optimize the way they use their Citi Rewards+ Credit Card. We worked with the location intelligence firmThe budget includes six main categories: groceries , gas , dining out , travel , utilities and general purchases .

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