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
Everything else
2x
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
Earn 2X on purchases, 1X when you buy and 1X when you pay.
$1 minimum cash rewards balance required to convert to ThankYou Points.
$25 minimum cash rewards balance to redeem for a check, statement credit, or credit to a linked account.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseAll Purchases2×
Welcome offer
200 points
- Spend $1,500 in 180 days
- Est. value: $2 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- $0 Liability on Unauthorized Charges
- Extended Warranty
Benefits are subject to terms, conditions and limitations.
- Mastercard® ID Theft Protection
Helps reduce the worry of identity theft by monitoring your information and alerting you if suspicious activity is found. Enrollment is free.
- 24-hour Fraud Protection
Citi will alert you if we see unusual activity on your account.
- Citi® Merchant Offers
A statement-credit program to save on shopping, dining, travel and more.
- Citi Entertainment®
Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences.
- Free FICO® Score Access
View your FICO® Score online anytime, without impacting your score.
- Citi® Quick Lock
Instantly block new charges while allowing recurring transactions to continue without disruption.
- Choose Your Payment Due Date
- Contactless Pay
- Digital Wallets
Transfer partners
Where this card's points can go, and at what ratio. 20 partners.
- Air France KLM Flying Blue1:1
- American AAdvantage1:1
- Avianca LifeMiles1:1
- Cathay Asia Miles1:1
- Emirates Skywards5:4
- Etihad Guest1:1
- EVA Infinity MileageLands1:1
- JAL Mileage Bank1:1
- JetBlue TrueBlue1:1
- Qantas Frequent Flyer1:1
- Qatar Privilege Club1:1
- Singapore KrisFlyer1:1
- Thai Royal Orchid Plus1:1
- Turkish Miles&Smiles1:1
- Virgin Atlantic Flying Club1:1
- Accor Live Limitless2:1
- Choice Privileges1:1.5
- Leading Hotels of the World Leaders Club5:1
- Preferred Hotels I Prefer1:2
- Wyndham Rewards1:1
Work out what a transfer is worth in the transfer calculator.
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.