Cardful

Citi credit cards, compared

8 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 fee
1
Citi · Points · most from Groceries
none $847
2
Citi · Points · most from Groceries
none $807
3
Citi · Points · most from Groceries
$95 a year $760
4
Citi · Points · most from Groceries
none $750
5
Citi · Cash back · most from Restaurants & Bars
none $433
6
Citi · Airline · most from Restaurants & Bars
$99 a year $363
7
Citi · Points · most from Restaurants & Bars
$595 a year $126
8
Citi · Airline · most from Groceries
$695 a year −$311

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