Best Categories for This Card
Card Travel Portals
5x hotels, car rentals & attractions booked through Citi Travel
Streaming
3x on your Self-Select category (fitness clubs, select streaming, live entertainment, cosmetic stores/salons, pet supply)
Gas Stations
EV Charging
Rideshare & Transit
3x on select transit
Groceries
Gym & Fitness
3x on your Self-Select category (fitness clubs, select streaming, live entertainment, cosmetic stores/salons, pet supply)
Entertainment
3x on your Self-Select category (fitness clubs, select streaming, live entertainment, cosmetic stores/salons, pet supply)
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Card Travel Portals | 5x | Ongoing | — | 5.00% |
| Citi TravelMerchant | 5x | Ongoing | — | 5.00% |
| Streaming | 3x | Ongoing | — | 3.00% |
| Gas Stations | 3x | Ongoing | — | 3.00% |
| EV Charging | 3x | Ongoing | — | 3.00% |
| Rideshare & Transit | 3x | Ongoing | — | 3.00% |
| Groceries | 3x | Ongoing | — | 3.00% |
| Gym & Fitness | 3x | Ongoing | — | 3.00% |
| Entertainment | 3x | Ongoing | — | 3.00% |
| Dining & Restaurants | 2x | Ongoing | — | 2.00% |
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 15, 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.
View on Citi’s siteThis link opens Citi’s website in a new tab. PayWithThis is not affiliated with Citi and receives no compensation for this link.