Cardful

Citi credit cards, compared

11 Citi cards, from what each earns on a typical year's spending down to what its fee costs. Every card links to its own page, with every rate and where it ranks.

Ranked by what each card earns in a year once its annual fee is paid — every rate converted to dollars with a dated point valuation, spending caps honoured, and rotating categories not credited. Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

#CardAnnual feeA year, after the feeA year of rewards on the illustrative household spending described on the method page, minus the annual fee. Your own spending will give a different number.
1
Citi, Points, most from Groceries
$95 a year $760
2
Citi, Points, most from Groceries
none $529
3
Citi, Points, most from Groceries
none $505
4
Citi, Airline, most from Groceries
none $471
5
Citi, Points, most from Groceries
none $469
6
Citi, Cash back, most from Restaurants & Bars
none $433
7
Citi, Cash back, most from Restaurants & Bars
none $433
8
Citi, Airline, most from Restaurants & Bars
$99 a year $363
9
Citi, Airline, most from Groceries
$99 a year $332
10
Citi, Points, most from Restaurants & Bars
$595 a year $126
11
Citi, Airline, most from Groceries
$695 a year −$311