The Offer
- Get a sign up bonus of $40 when you spend $50 or more within 30 days from account opening
Card Details
- Card earns at the following rates for the first 12 months
- 5% back in points on eligible purchases made at gas stations*
- 3% back in points on eligible purchases at grocery stores and restaurants*
- 2% back in points on eligible purchases made at Sears & Kmart
- 1% back on all other purchases
- No annual fee
*These categories have a combined limit of $10,000 in spend, after that they will earn 1% back in points
Our Verdict
You don’t get this card for the sign up bonus (although it was $150 last year). you get it for the targeted promotions offering 10%/5% back on popular categories with decent caps. That’s also why it’s listed as one of the best store credit cards. The bonus categories aren’t actually that interesting as there are other cards that earn at higher rates:
- Best gas credit cards
- Best grocery store credit cards
- Best restaurant credit cards
- Best credit cards for everywhere else
You can product change this card other versions of this card converted (e.g Citi ThankYou points. This has no bonus categories but it means it earns ThankYou points during promotions). You can read our full review of this card here. Before asking any basic questions or applying make sure you read through these things everybody should know about Citi cards.
Hat tip to reader aubergine
