Citi Rewards Credit Card

By Raquel Oliveira • 03/06/2025

Citi Rewards Credit Card offers 2 points per dollar on dining and entertainment.

With this card, you earn 2 points per dollar spent on eligible dining and entertainment purchases, and 1 point per dollar on all other purchases. 

Whether you’re dining out, going to the movies, or making everyday purchases, the Citi Rewards card allows you to accumulate rewards at a competitive rate.

The Citi Rewards Credit Card is ideal for individuals who enjoy dining and entertainment and want to earn points on these expenses.

Plus, with no annual fee, this card provides an affordable way to earn rewards on all your purchases, whether you’re traveling, shopping, or going out.

Unique Feature of the Citi Rewards Credit Card

The Citi Rewards Credit Card stands out with its ability to earn 2 points per dollar on dining and entertainment purchases. 

Whether you’re enjoying a meal at a restaurant, grabbing coffee, or going to a concert, you’ll earn double points on these expenses.

This makes the card ideal for individuals who frequently spend in these categories and want to earn valuable rewards.

Pros and Cons

Pros:

• 2 points per dollar on dining and entertainment: Earn double rewards on dining and entertainment expenses, which is ideal for frequent diners and entertainment lovers.
• 1 point per dollar on all other purchases: Earn rewards on every purchase, with no restrictions or categories to track.
• No annual fee: Enjoy rewards without paying extra fees for the card.
• Sign-up bonus: Earn a generous points bonus after meeting the minimum spending requirement.

Cons:

• Limited bonus categories: The card offers double points only for dining and entertainment, so if you spend heavily in other categories, it may not be the best fit.
• Relatively low rewards rate on other purchases: While 1 point per dollar is decent, other cards offer higher rewards for general spending.
• No premium travel benefits: The card doesn’t offer perks like travel insurance or airport lounge access that some premium cards offer.
• Requires good credit: The card is best suited for individuals with good or excellent credit.

How do I know if the Citi Rewards is the best credit card for me?

The Citi Rewards Credit Card is perfect for individuals who enjoy dining out and spending on entertainment and want to earn rewards for these purchases.

If you often eat out at restaurants, grab takeout, or attend concerts, this card allows you to earn double points on those expenses.

Why do we like this card?

We like the Citi Rewards Credit Card because it offers excellent rewards for dining and entertainment, two categories that many people spend a lot on.

With 2 points per dollar spent on these expenses, it’s easy to rack up rewards without worrying about complicated categories.

Conclusion for Citi Rewards

The Citi Rewards Card is an excellent choice for individuals who want a simple yet effective way to earn points on everyday spending.

The round-up feature and no annual fee make it an accessible and practical option for those who prefer a straightforward rewards program.

If you are looking for a no-annual-fee card that helps you earn points on daily purchases, the Citi Rewards Card is a great option.