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Card Economics
Annual Fee
$0
Ongoing Annual Value
$65
First-Year Value Estimate
$0
Net Value
+$65
Card type: PersonalForeign transaction fee: 3%Currency: Cash Back
Dividend

Dividend

Citi
NOT OPEN TO APPLICATIONS
No new applications, and no product change into it either.
Compare with another card

Sign-up Bonus

Not available - card no longer open to new applicants
Am I eligible?

Earning Structure

5%Gas stations (July to September 2026) up to $6K total annual spend for 5% categories. Requires activation.5%
5%Home improvement stores (July to September 2026) up to $6K total annual spend for 5% categories. Requires activation.5%
1%All other purchases1%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Gas stations (July to September 2026) up to $6K total annual spend for 5% categories. Requires activation.?Is this the best card for Home improvement stores (July to September 2026) up to $6K total annual spend for 5% categories. Requires activation.?Is this the best card for All other purchases?

Other Perks

  • 0% intro APR on purchases and balance transfers
  • $0 Fraud Liability
  • $6,000 annual cap for 5% bonus categories (not quarterly cap like other cards)