Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Gas
4x
Dining
3x
Travel
3x
Where it wins:
No annual fee — every dollar of rewards and credits is net value.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
4X on gas for the first $7,000 per year, then 1X.
Cash back will be provided as an annual credit card reward certificate once your February billing statement closes.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Gas4×
- Dining3×
- Travel3×
- Everything elseCostco2×
- Everything elseAll Purchases1×
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- Damage & Theft Purchase Protection
May cover you for repairs or reimbursement if purchases made with your Citi card are damaged or stolen within 120 days (90 days for New York residents) of purchase.
- Citi® Quick Lock
Instantly block new charges on a misplaced card while allowing recurring transactions to continue.
- 24-hour fraud protection
Citi will alert you if unusual activity is detected on your account.
- Worldwide Car Rental Insurance
You may be covered against theft or damage to a rental car when you pay with your Citi card and decline the rental company’s collision loss/damage insurance.
- Travel & emergency assistance
Services are available 24/7 for emergency travel arrangements and travel issues. You pay for the services you use.
- No foreign transaction fees
- Worldwide Travel Accident Insurance
- Roadside assistance dispatch service
Help will be sent to your location if you have car trouble in the United States, Puerto Rico and the U.S. Virgin Islands. You are responsible for the costs of any services provided.
- Citi Entertainment®
Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences.
- Card doubles as your Costco membership card
- Free access to your FICO® Score
- Citi® Flex Pay
A flexible way to split eligible purchases into fixed monthly payments and pay over time.
- No Authorized User fee
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.