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Chase Ink Business CashĀ® Credit Card

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(4.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Get $900 in the form of 90,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Bonus points for spend in the following bonus categories:

5x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 5%
5x
Cellular Phone Service
Estimated Rewards Value: 5%
5x
Office Supplies
Estimated Rewards Value: 5%
2x
Gas Stations
Estimated Rewards Value: 2%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
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  • Earns 5X on office supply stores, cable, internet, and phone
  • Points earned can be transferred to other eligible Chase Ultimate Rewards cards
  • No annual fee

Pros

  • Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories.
  • No annual fee
  • Points earned can be combined to a Chase Ink PreferredĀ®, Chase Sapphire PreferredĀ® Card, or Chase Sapphire ReserveĀ® Card

Cons

  • Charges a foreign transaction fee
  • Rewards earned are only cash back unless you have a Chase Ink PreferredĀ®, Chase Sapphire PreferredĀ® Card, or Chase Sapphire ReserveĀ® Card to unlock points transfers
  • Earns only 1% on non-bonus categories
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 9, 2023
Intro bonus:
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Chase Ink Business UnlimitedĀ® Credit Card

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(4.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Get $900 in the form of 90,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Bonus points for spend in the following bonus categories:

1.5x
Everything Else
Estimated Rewards Value: 1.5%
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  • Simple. Earn 1.5% cash back on all purchases
  • Rich signup bonus
  • No annual fee

Pros

  • With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
  • No annual fee
  • Points earned can be transferred to your Chase Ink PreferredĀ®, Sapphire PreferredĀ® Card, or Sapphire ReserveĀ® Card

Cons

  • Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
  • Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink PreferredĀ®, Sapphire PreferredĀ® Card, or Sapphire ReserveĀ® Card to enable airline and hotel points transfers
  • No bonus spend categories
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 9, 2023
Intro bonus:
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United Gatewayā„  Card

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(3.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Earn 30,000 United MileagePlus Miles after spending $1,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.Ā 

Bonus points for spend in the following bonus categories:

Applies only to United purchases. Otherwise, earn 1X

2x
Airfare
Estimated Rewards Value: 2.4%
2x
Transit
Estimated Rewards Value: 2.4%
2x
Gas Stations
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
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  • No annual fee card
  • Expanded "Saver" economy award availability
  • A wide range of trip and purchase protections and benefits

Pros

  • No Annual Fee
  • Expanded "Saver" economy award availability
  • A wide range of trip and purchase protections and benefits

Cons

  • No free checked bags or priority boarding
  • Does not provide the "upgrades on award ticket" benefit of the other United credit cards
  • Mileage rate is not as good as many other cards and miles earned are only good in the United MileagePlus program
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 0 % Intro APR (on purchases for 12 months, 21.99%-28.99% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 9, 2023
Intro bonus:
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Capital One VentureOne Rewards Credit Card

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(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

20,000 miles when you spend $500 within 3 months

Bonus points for spend in the following bonus categories:

Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

5x
Hotels
Estimated Rewards Value: 8%

Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

5x
Car Rentals
Estimated Rewards Value: 8%
1.25x
Everything Else
Estimated Rewards Value: 2%
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  • Earns valuable Capital One miles with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
  • 5X miles per dollar on hotels and rental cars booked via the Capital One Travel portal.
  • Simple flat-rate earning structure with 1.25X miles per dollar on other eligible purchases.

Pros

  • Decent sign-up bonus with no annual fee
  • No foreign transaction fees
  • Solid array of travel and purchase protections

Cons

  • Not as strong travel and purchase protections as the more robust (and expensive) Capital One Venture X Credit Card
  • 1.25X per dollar is a fairly weak earning rate compared to the Venture or Venture X Cards
  • While the card is simple to use, there is effectively a lack of real bonus categories unlike some of its competitors
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to Ā cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 0 % Intro APR (on purchases for 15 months, 19.99%-29.99% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.99%-29.99% thereafter)
Balance
transfer fees:
3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 9, 2023
Intro bonus:
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American Express is an Advertising Partner

The Blue BusinessĀ® Plus Credit Card from American Express

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 15,000 Membership RewardsĀ® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Bonus points for spend in the following bonus categories:

2x
Airfare
Estimated Rewards Value: 3.4%
2x
Transit
Estimated Rewards Value: 3.4%
2x
Car Rentals
Estimated Rewards Value: 3.4%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%
2x
Costco
Estimated Rewards Value: 3.4%
2x
Gas Stations
Estimated Rewards Value: 3.4%
2x
Cellular Phone Service
Estimated Rewards Value: 3.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%
2x
Hotels
Estimated Rewards Value: 3.4%
2x
Lyft
Estimated Rewards Value: 3.4%
2x
Office Supplies
Estimated Rewards Value: 3.4%
2x
Shipping
Estimated Rewards Value: 3.4%
2x
Single Charges over $5,000
Estimated Rewards Value: 3.4%
2x
Groceries
Estimated Rewards Value: 3.4%
2x
Cruises
Estimated Rewards Value: 3.4%
2x
Drugstores
Estimated Rewards Value: 3.4%
2x
Streaming Services
Estimated Rewards Value: 3.4%
2x
Gym Memberships
Estimated Rewards Value: 3.4%
2x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 3.4%
2x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3.4%
2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%
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  • 2x points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year)
  • No annual fee; plus, add employee cards for no additional cost
  • 0% intro APR on purchases for the first 12 months of account opening

Pros

  • No annual fee, making the Blue Business Plus a great starter card for new or small business owners
  • Earn 2x Membership Rewards points on all purchases (capped at the first $50,000 in a year)
  • Business expense management tools and expanded buying power ability

Cons

  • The 2x earning rate is capped at $50,000 per year
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
2.7%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.Ā  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 9, 2023
Intro bonus:
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American Express is an Advertising Partner

Blue Cash PreferredĀ® Card from American Express

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(4.1) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95 (Rates and fees)

Bonus Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms apply.

Bonus points for spend in the following bonus categories:

At U.S. Supermarkets. * American Express defines aĀ supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

6x
Groceries
Estimated Rewards Value: 6%

On select U.S. Streaming Services

6x
Streaming Services
Estimated Rewards Value: 6%
3x
Transit
Estimated Rewards Value: 3%

At U.S. Gas Stations

3x
Gas Stations
Estimated Rewards Value: 3%
1x
Everything Else
Estimated Rewards Value: 1%
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  • Earn 6% cash back at U.S. supermarket purchases (up to the first $6,000 spent; then 1% cash back). If maximized, you could earn an outstanding $360 in cash back per year from U.S. supermarkets alone!
  • Other important cash back bonus categories, such as 6% on select U.S. streaming services, 3% on transit and at U.S. gas stations; and 1% on all other eligible purchases.
  • No annual fee for the first year of account opening; then $95 every year after (see rates & fees)

Pros

  • Industry-leading 6% cash back rate for U.S. supermarket spending (up to the first $6,000 per year) and select U.S. streaming subscriptions
  • Monthly statement credits for The Disney Bundle and Equinox+ that could potentially save you hundreds of dollars per year
  • 0% intro APR for purchases and balance transfers during the first 12 months of account opening (See "Key Facts" and rates & fees for details)

Cons

  • Charges a $95 annual fee every year after the $0 intro annual fee
  • This card's foreign transaction fee clocks in at 2.7%
  • Blue Cash reward dollars are limited to cash back redemptions
Annual Fee: $0 Introductory Annual Fee for the first year, then $95
Foreign
Transaction Fee:
2.7%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! šŸ˜‰

APR: 0 % Intro APR (on purchases for 12 months, 19.24%-29.99% thereafter)
APR: 0% Intro APR (on balance transfers for 12 months, 19.24%-29.99% thereafter)
Balance
transfer fees:
Either $5 or 3% of the amount of each transfer, whichever is greater.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 9, 2023
Intro bonus:
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Citi Custom Cashā„  Card

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(3.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Fair (580-669) *
Annual Fee:
$0

Bonus Offer

$200 in the form of 20,000 bonus ThankYou points when you spend $1,500 within 6 months

Bonus points for spend in the following bonus categories:

5x
Airfare
Estimated Rewards Value: 5%
5x
Transit
Estimated Rewards Value: 5%
5x
Car Rentals
Estimated Rewards Value: 5%
5x
Gas Stations
Estimated Rewards Value: 5%
5x
Dining Out / Food Delivery
Estimated Rewards Value: 5%
5x
Hotels
Estimated Rewards Value: 5%
5x
Gym Memberships
Estimated Rewards Value: 5%
5x
Streaming Services
Estimated Rewards Value: 5%
5x
Drugstores
Estimated Rewards Value: 5%
5x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 5%
5x
Groceries
Estimated Rewards Value: 5%
1x
Everything Else
Estimated Rewards Value: 1%
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  • The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
  • The only credit card to offer 5% on home improvement stores.
  • The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!

Pros

  • 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
  • No annual fee
  • Includes very rare bonus categories, like home improvement stores

Cons

  • With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
  • Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Fair (580-669) *
Point
Value:
$0.01-$0.016

If you have a Citi Premier card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 0 % Intro APR (on purchases for 15 months, 19.24%-29.24% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.24%-29.24% thereafter)
Balance
transfer fees:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 9, 2023
Intro bonus:
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Capital One SavorOne Cash Rewards Credit Card

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(4.1) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Bonus points for spend in the following bonus categories:

Only earns 5% when booked via Capital One Travel; else 1%

5x
Car Rentals
Estimated Rewards Value: 5%

Only earns 5% when booked via Capital One Travel; else 1%

5x
Hotels
Estimated Rewards Value: 5%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 3%
3x
Streaming Services
Estimated Rewards Value: 3%
3x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3%
3x
Groceries
Estimated Rewards Value: 3%
1x
Everything Else
Estimated Rewards Value: 1%
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  • No annual fee
  • Earn 3% cash rewards on popular categories
  • No foreign transaction fee

Pros

  • No annual fee
  • Earns 3% back on dining and at grocery stores
  • Excellent Intro 0% APR offers

Cons

  • Only earns 1% cash back on non-bonus categories
  • Does not come with any fancy benefits like airport lounge access
  • Must book via Capital One Travel to get 5% cash back on hotels and rental cars
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! šŸ˜‰

APR: 0 % Intro APR (on purchases for 15 months, 19.99%-29.99% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.99%-29.99% thereafter)
Balance
transfer fees:
3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 9, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Capital One Quicksilver Cash Rewards Credit Card

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(3.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Get a $200 cash bonus when you spend $500 in your first 3 months.

Bonus points for spend in the following bonus categories:

Only when booked via the Capital One Travel Portal; otherwise earn 1.5X miles per dollar.

5x
Car Rentals
Estimated Rewards Value: 5%

Only when booked via the Capital One Travel Portal; otherwise earn 1.5X miles per dollar.

5x
Hotels
Estimated Rewards Value: 5%
1.5x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
  • Earn 1.5% cash back on all purchases
  • No foreign transaction fees or annual fees
  • 6 months of Complimentary Uber One, valid through 11/14/2024

Pros

  • An easy 1.5% cash back on all purchases
  • No foreign transaction fees and no annual fee
  • 6 months of Complimentary Uber One as a statement credit, valid through 11/14/2024

Cons

  • No bonus categories outside of using Capital One portals for hotels and car rentals
  • Lacks a wide range of travel or shopping protections
  • 1.5% is not the highest cash back offering on the market
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! šŸ˜‰

APR: 0 % Intro APR (on purchases for 15 months, 19.99%-29.99% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.99%-29.99% thereafter)
Balance
transfer fees:
3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 9, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Notify me of bonus offer changes

Citi Rewards+Ā®

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(3.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening

Bonus points for spend in the following bonus categories:

2x
Gas Stations
Estimated Rewards Value: 2%
2x
Groceries
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
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 more
  • You'll earn 2x Citi ThankYou points on grocery stores and gas station purchases, up to your first $6,000 in annual spending
  • No annual fee card
  • All purchases automatically rounds up to the nearest 10 points; plus, you'll get 10% of your points back when you redeem (for up to the first 100,000 points redeemed annually)

Pros

  • No annual fee
  • Complimentary purchase coverage, including extended warranty and purchase protection on eligible items bought with the card
  • Round up feature allows you to earn rewards to the nearest 10 points

Cons

  • The bonus 2x rewards on supermarkets and gas stations is limited to a $6,000 annual spending cap, which means that you'll only earn 1x points per dollar afterwards and on other purchases
  • The value of redemption options ranges from 0.5 to 1 cent per point (although potentially more if you also have a Citi PremierĀ® card), so you'll want to choose your rewards wisely
  • There is a 3% foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.016

If you have a Citi Premier card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 0 % Intro APR (on purchases for 15 months, 18.74%-28.74% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 18.74%-28.74% thereafter)
Balance
transfer fees:
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 9, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Amazon / Whole Foods
5x Airfare
+ 6 more
View Table Image
Annual fee
$395
Point value
$0.016
Best Multiplier
10x Car Rentals
10x Hotels
+ 2 more
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.005
Best Multiplier
12x Hotels
6x Airfare
+ 6 more
View Table Image

CitiĀ® Diamond PreferredĀ® Credit Card

Annual fee
$0
Point value
$0.01
Best Multiplier
0x Everything Else
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Transit
+ 4 more
View Table Image
Annual fee
$250
Point value
$0.017
Best Multiplier
4x Groceries
4x Dining Out / Food Delivery
+ 2 more
View Table Image
Annual fee
$250
Point value
$0.01
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
6x Groceries
6x Streaming Services
+ 3 more
View Table Image

Citi Custom Cashā„  Card

Annual fee
$0
Point value
$0.01 -
$0.016
Best Multiplier
5x Airfare
5x Transit
+ 10 more

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