Best Categories for This Card
3.00%
effective
Gas Stations
3x ThankYou Points
3.00%
effective
EV Charging
3x ThankYou Points
2.00%
effective
Groceries
2x ThankYou Points
1.00%
effective
All Other Purchases
1x ThankYou Points
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Gas Stations | 3x | Ongoing | — | 3.00% |
| EV Charging | 3x | Ongoing | — | 3.00% |
| Groceries | 2x | Ongoing | — | 2.00% |
Everywhere else | 1x | Ongoing | — | 1.00% |
Card details
- Network
- Mastercard
- Credit usually needed
- Good (about 670+)
- What a point is worth
- 1.00¢ as cash · up to 1.90¢ via transfer partners (needs a card that unlocks transfers)
- Last verified
- Oct 11, 2026
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Citi’s official page for the most up-to-date terms straight from the issuer.
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