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Citi
Cardless
Citi
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.9¢/$ | $95 | — | mastercard |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.6¢/$ | $95 | $11.63 | mastercard |
| Citi Custom Cash CardCiti | 5% cash back | 2.8¢/$ | $0 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.0¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Cardless
Citi
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.9¢/$ | $95 | — | mastercard |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.6¢/$ | $95 | $11.63 | mastercard |
| Citi Custom Cash CardCiti | 5% cash back | 2.8¢/$ | $0 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.0¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Cardless
Citi
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.9¢/$ | $95 | — | mastercard |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.6¢/$ | $95 | $11.63 | mastercard |
| Citi Custom Cash CardCiti | 5% cash back | 2.8¢/$ | $0 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.0¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →| BMO Premium Rewards Mastercard®Bmo |
| 4x points |
| 2.2¢/$ |
| $95 |
| — |
| mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.5¢/$ | $0 | — | mastercard |
| Capital One Savor Cash Rewards Credit CardCapital One | 4% cash back | 1.8¢/$ | $0 | — | mastercard |
| Citi Strata Elite℠ CardCiti | 3x ThankYou Points | 1.7¢/$ | $595 | $597.50 | mastercard |
| Bilt Blue CardCardless | 3x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
| Bilt Palladium CardCardless | 3x Bilt Rewards | 2.1¢/$ | $495 | — | mastercard |
| BMO Premium Rewards Mastercard®Bmo |
| 4x points |
| 2.2¢/$ |
| $95 |
| — |
| mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.5¢/$ | $0 | — | mastercard |
| Capital One Savor Cash Rewards Credit CardCapital One | 4% cash back | 1.8¢/$ | $0 | — | mastercard |
| Citi Strata Elite℠ CardCiti | 3x ThankYou Points | 1.7¢/$ | $595 | $597.50 | mastercard |
| Bilt Blue CardCardless | 3x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
| Bilt Palladium CardCardless | 3x Bilt Rewards | 2.1¢/$ | $495 | — | mastercard |
| BMO Premium Rewards Mastercard®Bmo |
| 4x points |
| 2.2¢/$ |
| $95 |
| — |
| mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.5¢/$ | $0 | — | mastercard |
| Capital One Savor Cash Rewards Credit CardCapital One | 4% cash back | 1.8¢/$ | $0 | — | mastercard |
| Citi Strata Elite℠ CardCiti | 3x ThankYou Points | 1.7¢/$ | $595 | $597.50 | mastercard |
| Bilt Blue CardCardless | 3x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
| Bilt Palladium CardCardless | 3x Bilt Rewards | 2.1¢/$ | $495 | — | mastercard |
