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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
Citi
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 2.8¢/$ | $0 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 2.5¢/$ | $0 | $3.77 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.5¢/$ | $0 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.0¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 2.8¢/$ | $0 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 2.5¢/$ | $0 | $3.77 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.5¢/$ | $0 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.0¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 2.8¢/$ | $0 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 2.5¢/$ | $0 | $3.77 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.5¢/$ | $0 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.0¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →
Citi
| Rakuten American Express CardFirst Electronic Bank |
| 2% cash back |
| 2.0¢/$ |
| $0 |
| — |
| amex |
| The Key Rewards VisaCapital One | 4x points | 2.0¢/$ | $0 | $3.77 | visa |
| Bilt Blue CardCardless | 3x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
| Capital One Savor Cash Rewards Credit CardCapital One | 4% cash back | 1.8¢/$ | $0 | — | mastercard |
| Navy Federal More Rewards® CardNavy Federal | 3x Navy Federal Nrewards | 1.8¢/$ | $0 | $3.77 | visa |
| TD Cash Credit CardTd Bank | 3x Cashback | 1.8¢/$ | $0 | $3.77 | visa |
Citi
| Rakuten American Express CardFirst Electronic Bank |
| 2% cash back |
| 2.0¢/$ |
| $0 |
| — |
| amex |
| The Key Rewards VisaCapital One | 4x points | 2.0¢/$ | $0 | $3.77 | visa |
| Bilt Blue CardCardless | 3x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
| Capital One Savor Cash Rewards Credit CardCapital One | 4% cash back | 1.8¢/$ | $0 | — | mastercard |
| Navy Federal More Rewards® CardNavy Federal | 3x Navy Federal Nrewards | 1.8¢/$ | $0 | $3.77 | visa |
| TD Cash Credit CardTd Bank | 3x Cashback | 1.8¢/$ | $0 | $3.77 | visa |
Citi
| Rakuten American Express CardFirst Electronic Bank |
| 2% cash back |
| 2.0¢/$ |
| $0 |
| — |
| amex |
| The Key Rewards VisaCapital One | 4x points | 2.0¢/$ | $0 | $3.77 | visa |
| Bilt Blue CardCardless | 3x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
| Capital One Savor Cash Rewards Credit CardCapital One | 4% cash back | 1.8¢/$ | $0 | — | mastercard |
| Navy Federal More Rewards® CardNavy Federal | 3x Navy Federal Nrewards | 1.8¢/$ | $0 | $3.77 | visa |
| TD Cash Credit CardTd Bank | 3x Cashback | 1.8¢/$ | $0 | $3.77 | visa |
