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Citi credit cards

Verified Oct 16, 2026USD

4 Citi cards ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $95.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

  1. #1Citi Strata Premier

    Citi

    Strata Premier

    $95 feeGroceries 3xDining 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,355
    Year 2+$755

    3 years $2,865 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,355
    Year 2+$755
    Welcome or anniversary bonus$600 / $0Rewards on spending$810 / $810Credits$40 / $40Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    3x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #1 of 4. By 3-year value on the family preset's spending. Over 3 years it's worth $2,865 after fees.
    2. Year 1. $1,355 = welcome bonus $600 + rewards $810 + credits $40 − fee $95.
    3. Each year after. $755 = rewards $810 + credits $40 − fee $95.
    4. Against #2. Beats Citi Double Cash by $253 over 3 years, mostly on welcome bonus (+$400).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  2. #2Citi Double Cash

    Citi

    Double Cash

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,004
    Year 2+$804

    3 years $2,612 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,004
    Year 2+$804
    Welcome or anniversary bonus$200 / $0Rewards on spending$804 / $804Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    2%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    2%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #2 of 4. By 3-year value on the family preset's spending. Over 3 years it's worth $2,612 after fees.
    2. Year 1. $1,004 = welcome bonus $200 + rewards $804.
    3. Each year after. $804 = rewards $804.
    4. Against #1. Trails Citi Strata Premier by $253 over 3 years, mostly on welcome bonus (−$400).
    5. Against #3. Beats Citi Strata by $441 over 3 years, mostly on rewards on spending (+$241).
    Verified Oct 16, 2026Every term and assumption
  3. #3Citi Strata

    Citi

    Strata

    No annual feeGroceries 3xDining 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$724
    Year 2+$724

    3 years $2,171 after fees· no fee to coverBonus not counted

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$724
    Year 2+$724
    Rewards on spending$724 / $724Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    3x
    Transit
    Transit and rideshare
    3x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #3 of 4. By 3-year value on the family preset's spending. Over 3 years it's worth $2,171 after fees.
    2. Year 1. $724 = rewards $724.
    3. Each year after. $724 = rewards $724.
    4. Against #2. Trails Citi Double Cash by $441 over 3 years, mostly on rewards on spending (−$241).
    5. Against #4. Beats Citi Costco Anywhere Visa by $227 over 3 years, mostly on rewards on spending (+$227).
    6. Not counted. Welcome offer not counted: Bonus points after a spending requirement; the amounts don't load on Citi's page.

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  4. #4Citi Costco Anywhere Visa

    Citi

    Costco Anywhere Visa

    No annual feeDining 3%Gas 4%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$648
    Year 2+$648

    3 years $1,944 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$648
    Year 2+$648
    Rewards on spending$648 / $648Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1%
    Groc
    Groceries
    3%
    Dine
    Dining and takeout
    4%
    Gas
    Gas and EV charging
    3%
    Air
    Flights
    3%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #4 of 4. By 3-year value on the family preset's spending. Over 3 years it's worth $1,944 after fees.
    2. Year 1. $648 = rewards $648.
    3. Each year after. $648 = rewards $648.
    4. Against #3. Trails Citi Strata by $227 over 3 years, mostly on rewards on spending (−$227).
    Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

3-year value on each preset

points at their cash value, after fees. "~" marks estimates.

CardStudentCoupleFamilyFrequent travellerBig spender
Citi Strata Premier$542$2,273$2,865$3,452$6,037
Citi Double Cash$909$2,040$2,612$2,994$5,931
Citi Strata$707$1,651$2,171$2,218$4,457
Citi Costco Anywhere Visa$549$1,460$1,944$2,711$4,846

Frequently asked questions

Which Citi card is best?

On a family's spending, Citi Strata Premier is worth the most over 3 years ($2,865). From year 2, Citi Double Cash keeps the most ($804 a year).

What do Citi cards cost?

Annual fees from $0 to $95 across the 4 cards listed here.

What rewards do Citi cards earn?

Citi ThankYou Points (Strata Premier), Cash back. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.

Sources

Estimates for information only; not financial advice. See how cards are ranked.