CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
$0 annual fee Citi cards ranked by dining earn rate.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 9 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 5.0¢/$ | $0 | $18 | mastercard |
| Costco Anywhere Visa Card by CitiCiti | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Macys American Express CardCiti | 3x points | 3.0¢/$ | $0 | — | amex |
| Citi Strata Credit CardCiti | 2x ThankYou Points | 3.0¢/$ | $0 | $32.50 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →$0 annual fee Citi cards ranked by dining earn rate.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 9 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 5.0¢/$ | $0 | $18 | mastercard |
| Costco Anywhere Visa Card by CitiCiti | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Macys American Express CardCiti | 3x points | 3.0¢/$ | $0 | — | amex |
| Citi Strata Credit CardCiti | 2x ThankYou Points | 3.0¢/$ | $0 | $32.50 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →$0 annual fee Citi cards ranked by dining earn rate.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 9 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 5.0¢/$ | $0 | $18 | mastercard |
| Costco Anywhere Visa Card by CitiCiti | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Macys American Express CardCiti | 3x points | 3.0¢/$ | $0 | — | amex |
| Citi Strata Credit CardCiti | 2x ThankYou Points | 3.0¢/$ | $0 | $32.50 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →
Citi
| Citi® Diamond Preferred® CardCiti |
| 2x points |
| 2.0¢/$ |
| $0 |
| — |
| mastercard |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| My Best Buy® Visa® CardCiti | 2% cash back | 2.0¢/$ | $0 | — | visa |
| L.L.Bean MastercardCiti | 2x points | 2.0¢/$ | $0 | — | mastercard |
| Shell Fuel Rewards® Mastercard®Citi | 2x points | 2.0¢/$ | $0 | — | mastercard |
Citi
| Citi® Diamond Preferred® CardCiti |
| 2x points |
| 2.0¢/$ |
| $0 |
| — |
| mastercard |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| My Best Buy® Visa® CardCiti | 2% cash back | 2.0¢/$ | $0 | — | visa |
| L.L.Bean MastercardCiti | 2x points | 2.0¢/$ | $0 | — | mastercard |
| Shell Fuel Rewards® Mastercard®Citi | 2x points | 2.0¢/$ | $0 | — | mastercard |
Citi
| Citi® Diamond Preferred® CardCiti |
| 2x points |
| 2.0¢/$ |
| $0 |
| — |
| mastercard |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| My Best Buy® Visa® CardCiti | 2% cash back | 2.0¢/$ | $0 | — | visa |
| L.L.Bean MastercardCiti | 2x points | 2.0¢/$ | $0 | — | mastercard |
| Shell Fuel Rewards® Mastercard®Citi | 2x points | 2.0¢/$ | $0 | — | mastercard |