Citi
Rewards+
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Card review
Rewards+
Citi
Last updated October 10, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
20,000 pts welcome offer
Est. net value
$1,150/yr
Credit score
Varies
Top earn rate
2x groceries
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Rewards+ from Citi carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $1,150.20 in rewards plus $0.00 in credits and perks — $1,150.20 net per year before welcome bonuses.
How the points work
Rounds up to the nearest 10 points on every purchase — with no cap.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| GroceriesGroceries | 2× |
| GasGas | 2× |
| Everything elseAll Purchases | 1× |
Welcome offer
20,000 points
- Spend $1,000 in 90 days
- Est. value: $340 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- 10% Points Back
Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year.
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.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo 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.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.