Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Every Citi card ranked by real value — earn rates, fees, and benefits compared.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Citi
Citi
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Citi Strata Premier CardCiti | 1x ThankYou Points | 1.6¢/$ | $95 | $50 | mastercard |
| Citi Strata Credit CardCiti | 1x ThankYou Points | 1.6¢/$ | $0 | $150 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →| Costco Anywhere Visa Card by CitiCiti |
| 1% cash back |
| 1.0¢/$ |
| $0 |
| — |
| visa |
| My Best Buy® Visa® CardCiti | 1% cash back | 1.0¢/$ | $0 | — | visa |
| Citi® Diamond Preferred® CardCiti | 0x points | 0.0¢/$ | $0 | — | mastercard |
