We score this card on five factors — earn rate, real point value, portfolio pooling, merchant bonuses, and your stated goal — recalculated for your specific wallet, not a static rating.
Top effective rate on this card: 12¢ per dollar. Full methodology →
Point value context: We value Citi ThankYou Points at 1.2¢ per point (conservative estimate). The effective cash value column below reflects this — it's what each reward rate is actually worth per dollar spent, not just the nominal multiplier. How we calculate this →
| Category | Earn Rate | Effective Value |
|---|---|---|
| Dining | 3x Citi ThankYou Points | 3.6¢/$ |
| Groceries | 3x Citi ThankYou Points | 3.6¢/$ |
| Gas & EV Charging | 3x Citi ThankYou Points | 3.6¢/$ |
| Travel | 3x Citi ThankYou Points | 3.6¢/$ |
| Everything Else | 1x Citi ThankYou Points | 1.2¢/$ |
Rates may be subject to caps, exclusions, enrollment requirements, and issuer-defined merchant categories. See our data verification methodology →
Terms, APR, and the current welcome offer are set by the issuer, not us, and can change without notice. Confirm the live offer on their site before you apply.
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