Approved for a $1,500 CL; 690 TU/663 EQ score; one paid-off delinquency; somewhat limited credit history. My CK approval odds were listed as poor, but I had received 2 or 3 pre-approvals in the mail, so I finally pulled the trigger on the application and was approved instantly. Despite its rather pedestrian 2x points earned at supermarkets & gas stations, and 1x everywhere else, the Citi Rewards+ offers unique accrual mechanics that set it apart from the traditional "everyday card." Its Round Up feature means something like a $41 purchase could net you 50 points, or 100 points if at a supermarket or gas station. Similarly, anything >$10 is automatically rounded up to 10, which is especially enticing for customers like myself who frequently use a credit card to get rewarded for those small daily purchases like morning coffee. Plus, 10% of all points redeemed will be returned back to your rewards balance, so not only do points accrue rapidly, but they also go further... sort of. The allure of the Rewards+ card is marred by its lackluster redemption options. Even with its rather attainable introductory bonus of 20,000 points after $1,500 in purchases in the first 3 months, I find myself disappointed while trying to pick the fruit of my labor. There is a discouraging lack of partners in which points transfer to at a 1:1 value. You can use points to shop online at retailers such as Amazon, but each point is only worth .8 of a cent; similarly, using points towards a statement credit or to cover a purchase will only net you half a cent per point, and only a handful of purchase categories are eligible to be covered. Gift cards can be redeemed with points at a full cent per point, but they're an incentive I have little use for. Overall, the Rewards+ card is a great concept pigeonholed by the poor execution of its redemption program. For the niche customer who primarily makes sub-$10 purchases and uses a lot of gift cards, this could be a welcome addition in the pocket or purse. However, for the average cardholder, the restrictive redemption options and complicated exchange values leave this trailing behind the pack of better everyday options.