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.
$0 annual fee Citi cards ranked by groceries earn rate.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | $162.50 | mastercard |
| TSC Visa CardCiti | 3x points | 3.0¢/$ | $0 | — | visa |
| Birch Lane MastercardCiti | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
| AllModern MastercardCiti | 3x points | 3.0¢/$ | $0 | $40 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →$0 annual fee Citi cards ranked by groceries earn rate.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | $162.50 | mastercard |
| TSC Visa CardCiti | 3x points | 3.0¢/$ | $0 | — | visa |
| Birch Lane MastercardCiti | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
| AllModern MastercardCiti | 3x points | 3.0¢/$ | $0 | $40 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →$0 annual fee Citi cards ranked by groceries earn rate.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | $162.50 | mastercard |
| TSC Visa CardCiti | 3x points | 3.0¢/$ | $0 | — | visa |
| Birch Lane MastercardCiti | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
| AllModern MastercardCiti | 3x points | 3.0¢/$ | $0 | $40 | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →
Citi
| Citi Custom Cash CardCiti |
| 5% cash back |
| 5.0¢/$ |
| $0 |
| $30 |
| mastercard |
| Wawa®Citi | 3x points | 3.0¢/$ | $0 | — | mastercard |
| Joss & Main MastercardCiti | 3x points | 3.0¢/$ | $0 | — | mastercard |
| AT&T Points Plus® Card From CitiCiti | 2x points | 2.0¢/$ | $0 | $300 | mastercard |
| American Airlines AAdvantage MileUpCiti | 2x American Aadvantage | 2.0¢/$ | $0 | — | mastercard |
| Macys American Express CardCiti | 2x points | 2.0¢/$ | $0 | — | amex |
Citi
| Citi Custom Cash CardCiti |
| 5% cash back |
| 5.0¢/$ |
| $0 |
| $30 |
| mastercard |
| Wawa®Citi | 3x points | 3.0¢/$ | $0 | — | mastercard |
| Joss & Main MastercardCiti | 3x points | 3.0¢/$ | $0 | — | mastercard |
| AT&T Points Plus® Card From CitiCiti | 2x points | 2.0¢/$ | $0 | $300 | mastercard |
| American Airlines AAdvantage MileUpCiti | 2x American Aadvantage | 2.0¢/$ | $0 | — | mastercard |
| Macys American Express CardCiti | 2x points | 2.0¢/$ | $0 | — | amex |
Citi
| Citi Custom Cash CardCiti |
| 5% cash back |
| 5.0¢/$ |
| $0 |
| $30 |
| mastercard |
| Wawa®Citi | 3x points | 3.0¢/$ | $0 | — | mastercard |
| Joss & Main MastercardCiti | 3x points | 3.0¢/$ | $0 | — | mastercard |
| AT&T Points Plus® Card From CitiCiti | 2x points | 2.0¢/$ | $0 | $300 | mastercard |
| American Airlines AAdvantage MileUpCiti | 2x American Aadvantage | 2.0¢/$ | $0 | — | mastercard |
| Macys American Express CardCiti | 2x points | 2.0¢/$ | $0 | — | amex |