Multiple Rewards+ cards?

TyrannicalDuncery3 · ‎03-15-2025

From a Citi webpage describing the Rewards+ card:

10 percent Points Back

Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year. That means if you redeem 15,000 points, you get 1,500 back. It’s that simple.2

So if I value points at 1cpp, I think that means that this feature of the Rewards+ card can get me up to $100 back/year (100k x 0.01cpp x 0.1 boost from Rewards+). So then I was thinking:

should I (and could I) downgrade another Citi card to a second Rewards+ so I can get another $100? Even if I got 2 Rewards+ cards, would that even work?

In my situation, I think this is more speculation than anything. But I think this is realistic for some of the more hardcore Citi-maxers. To hit that cap for a single Rewards+ card (100k points in a year), I guess here are a few scenarios that would hit that. I'm unlikely to spend enough to hit the cap under any scenario like this.

spend 50k on the Double Cash
spend 12k on CCC, get 2 20k point SUBs
spend 20k on 2 CCCs

Have:

Citi Shop Your Way Mastercard, converted to Thank You Mastercard 2025/11

Citi Strata, converted from Rewards+; Rewards+ benefits end July 2026

Bank of America Business Advantage Customized Cash Rewards

Want:

Bank of America Cash Rewards Mastercard: P/C from Bank Americard

Bank of America Customized Cash Rewards Visa: second copy, hopefully still Susan G Komen version

Can't have:

ptatohed · ‎03-15-2025

I've thought of this too. I don't think it will work. It would work for a P2 scenario where you each are the primary card holders of your own R+ and DC/CCs but I don't think it would work for one person. The reason I believe this is your DC and CC are already 'linked' just by having them, no action needed. You then apply for a R+ card and you need to manually link it (by calling in) with your DC/CC. If you could have two R+ cards (not sure you can), I don't think you could link two R+ cards with your already linked R+/DC/CC and I don't think you could ask them to unlink your DC from your CC and then ask that one R+ is linked with DC and one with CC. Plus, even at 2.22% CB, I consider the DC worthless and I don't use it since I have other 3 and 4% non-cat cards. Also, the most you can earn from one CC at 5% capped at $500 spend per month, is $300 CB ($333.33 actually) per year, far below the allowable $1000 CB you can get the 10% boost on. And that's if you max out the $500 spend every month. Even if you had two CC cards, the most CB you'll earn per year is $600 ($666.66 actually), still below the $1000 allotted. Yes, I guess if one were a big DC spender, they could reach over $1000 CB per year but, again, at only 2.22% CB, you're doing it wrong!

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

TyrannicalDuncery3 · ‎03-16-2025

That's cool, thanks!! Great writeup.

What 4% non-cat card do you have? Smartly?

Have:

Want:

Can't have:

ptatohed · ‎03-16-2025

@TyrannicalDuncery3 wrote:
That's cool, thanks!! Great writeup.

What 4% non-cat card do you have? Smartly?

Correct, Smartly.

Sorry my sig is so overdue for an update.

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

ptatohed · ‎03-16-2025

Curious, for those of you who have 2 CCs and R+, can you link them all and have both CCs get the 10% boost?

(I know I have 2 CCs in my sig but one is mine with mrs. p. as an AU, and vice versa, so I don't have 2 CCs in my name to answer my question)

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

TyrannicalDuncery3 · ‎03-17-2025

@ptatohed wrote:
Curious, for those of you who have 2 CCs and R+, can you link them all and have both CCs get the 10% boost?

Yeah great question @ptatohed. And yeah I need to make my sig in the first place!

Have:

Want:

Can't have: