Here you can add a description about your company or product
© Copyright 2026 CardRewards. All Rights Reserved.
Cardless
Citi
All 10 cards ranked by effective value per dollar.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.0¢/$ | $95 | — | mastercard |
| SoFi Smart CardSofi | 5x points | 5.0¢/$ | $0 | — | mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | $162.50 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.5¢/$ | $95 | $50 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Cardless
Citi
All 10 cards ranked by effective value per dollar.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.0¢/$ | $95 | — | mastercard |
| SoFi Smart CardSofi | 5x points | 5.0¢/$ | $0 | — | mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | $162.50 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.5¢/$ | $95 | $50 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Cardless
Citi
All 10 cards ranked by effective value per dollar.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.0¢/$ | $95 | — | mastercard |
| SoFi Smart CardSofi | 5x points | 5.0¢/$ | $0 | — | mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | $162.50 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.5¢/$ | $95 | $50 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →| Capital One SavorOne Student Cash Rewards Credit CardCapital One |
| 3% cash back |
| 3.0¢/$ |
| $0 |
| $119.88 |
| mastercard |
| One Key+ CardWells Fargo | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
| SavorOne RewardsCapital One | 3x points | 3.0¢/$ | $39 | — | mastercard |
| Aeroplan® CardChase | 3x Air Canada Aeroplan | 3.0¢/$ | $95 | $15 | mastercard |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 3.0¢/$ | $95 | $15 | mastercard |
| Birch Lane MastercardCiti | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
| Capital One SavorOne Student Cash Rewards Credit CardCapital One |
| 3% cash back |
| 3.0¢/$ |
| $0 |
| $119.88 |
| mastercard |
| One Key+ CardWells Fargo | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
| SavorOne RewardsCapital One | 3x points | 3.0¢/$ | $39 | — | mastercard |
| Aeroplan® CardChase | 3x Air Canada Aeroplan | 3.0¢/$ | $95 | $15 | mastercard |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 3.0¢/$ | $95 | $15 | mastercard |
| Birch Lane MastercardCiti | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
| Capital One SavorOne Student Cash Rewards Credit CardCapital One |
| 3% cash back |
| 3.0¢/$ |
| $0 |
| $119.88 |
| mastercard |
| One Key+ CardWells Fargo | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
| SavorOne RewardsCapital One | 3x points | 3.0¢/$ | $39 | — | mastercard |
| Aeroplan® CardChase | 3x Air Canada Aeroplan | 3.0¢/$ | $95 | $15 | mastercard |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 3.0¢/$ | $95 | $15 | mastercard |
| Birch Lane MastercardCiti | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
