What credit score do I need for the Rewards+?

A good-to-excellent credit score is generally recommended.

How do I calculate rewards on the Rewards+?

Use WalletFlo's reward calculator at /tools/rewards-calc/rewards-2 to model net value on your spending.

Rewards+ Review — Rewards, Fees & Benefits (2026) | WalletFlo

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

Groceries

Gas

Everything else

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.

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.

CategoryRate

Groceries
2×
Gas
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.

Credits

No statement credits listed for this card

Benefits

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.

Credits & perks vs fee

Annual fee−$0

Stated credits+$0

Perks (est.)+$0

Net after credits & perks$0

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.

Full Analysis Rewards Calculator

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 Calculator

Side by Side Compare

Compare against another card with the same spend profile.

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Is the Annual Fee Worth it?

Confirm net value on a no-annual-fee card.

Open Calculator

Points & Miles → $ Converter

Convert points and miles to estimated cash value.

Open Calculator

Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

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Transfer Partner Calculator

Explore transfer partner conversions across programs.

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Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$1,150/yr

Loading calculator…

Estimates for illustrative purposes. See methodology

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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.