Question 1

What card is most similar to the Citi Rewards+ Card?

Accepted Answer

The Chase Freedom Unlimited is the closest alternative to the Citi Rewards+ Card. Both are personal cards with similar annual fees ($0 vs $0) targeting the same spending categories. The Chase Freedom Unlimited currently offers a 200 Cash welcome bonus.

Question 2

What is the best alternative to the Citi Rewards+ Card?

Accepted Answer

The best alternative depends on your priorities. The JetBlue Plus Card is a strong option worth comparing against the Citi Rewards+ Card. It has a $99 annual fee and is issued by Barclays rather than Citi.

Question 3

Should I cancel or downgrade the Citi Rewards+ Card?

Accepted Answer

Since the Citi Rewards+ Card has no annual fee, there's little cost to keeping it open even if you don't use it actively. Keeping the account open maintains your credit history length and available credit.

Question 4

Are there cards better than the Citi Rewards+ Card?

Accepted Answer

"Better" depends on how you spend. The Citi Rewards+ Card is strongest for no-fee. Cards like the Chase Freedom Unlimited and Wells Fargo Active Cash Card may be better if your spending or travel habits differ — for example, if you prefer a different points ecosystem or a lower annual fee.

Question 5

What should I get instead of the Citi Rewards+ Card?

Accepted Answer

It depends on what you want to change. If you want to diversify across issuers, the Chase Freedom Unlimited from Chase is a top-rated option in this category.

Feature	Citi Rewards+current	Freedom Unlimited	Active Cash	Blue Cash Everyday	Savor
Annual Fee	$0	$0	$0	$0	$0
Welcome Bonus	20,000 ThankYou Points	200 Cash	200 Cash	200 Cash	250 Cash
Est. Bonus Value	$380	$200	$200	$200	$250
Year-1 Value	$362	$997	$362	$521	$362
Lounge Access	—	—	—	—	—
Travel Credit	—	—	—	—	—
Transfer Partners	Citi ThankYou	Chase UR	Cash Back	Cash Back	Capital One Miles
Issuer	Citi	Chase	Wells Fargo	Amex	Capital One

Best Citi Rewards+ Card Alternatives 2026

Best Alternatives to the Citi Rewards+ Card

Chase Freedom Unlimited

Wells Fargo Active Cash Card

Blue Cash Everyday Card from American Express

Capital One Savor Cash Rewards Credit Card

JetBlue Plus Card

PenFed Pathfinder Rewards Visa Signature Card

Cards Like the Citi Rewards+ Card

What to Get Instead of the Citi Rewards+ Card

Are Any Cards Better Than the Citi Rewards+ Card?

When You Should Keep the Citi Rewards+ Card Instead

Should you switch from the Citi Rewards+ Card?

Frequently Asked Questions