Citi Rewards Card vs. Capital One SavorOne Rewards Credit Card

Annual fees: There is no annual fee for either card.

Reward: The Citi Rewards card earns you two points per $1 on purchases up to $6,000 at gas stations and supermarkets each year, and one point for every dollar thereafter. Other purchases earn 1 point per $1. Each purchase is automatically adjusted to the nearest 10 point. Cardholders receive 10% back on any 100,000 points earned per year.

Capital One SavorOne cash rewards credit card holders will earn 3% cashback on food, entertainment, and grocery purchases, as well as 1% for all other purchases.

Sign up bonus: After you have spent $1,500 on purchases within the first 3 months of your account opening, Citi Rewards will offer a sign-up bonus worth 20,000 points. This bonus can be redeemed for 200 gift certificates at Thankyou.com.

After you have spent $500 within 3 months of account opening, you will receive a $200 cash bonus.

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Citi Rewards Card vs. Chase Freedom Flex

Annual Fee: There is no annual fee for the card.

Reward: The Citi Rewards card will give you double points for purchases at gas stations and supermarkets up to $6,000 annually. After that, one point per $1. All other purchases earn you one point per $1 Each purchase on your card will be rounded to 10 points. You'll also receive 10% back for any points you redeem, up to 100,000 per year.

Chase Freedom Flex cardholders will earn 5% cashback on purchases up to $1500 in combination in bonus categories every quarter they activate. Chase Ultimate Rewards offers 5% for Chase travel purchases, while dining out and drugstores offer 3%.

Sign up bonus: After you make $1,500 with Citi Rewards within three months of opening your account, you'll receive a bonus of 20,000 points. This bonus can be used to redeem $200 for gift cards from thankyou.com.

After you make $500 in purchases within the first three months of account opening, Chase Freedom Flex will give you a $200 sign up bonus. You can also earn up to $12,000 cashback on groceries (not Target, Walmart) and get 5% cash back.

Benefits: Citi Rewards Card Benefits include exclusive Citi Entertainment ticket sales and concierge services. Chase Freedom Flex cardholders can enjoy benefits from Chase Partnerships, including discounts for services such as food delivery or ride-sharing.

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Citi Rewards Card:

Maximizing Rewards

How much does the Citi Rewards card cost?

Yearly fee $0.

International purchases are subject to a 3% foreign transaction fee.

Balance transfer fee: Intro Fee 3% for each transfer (in the amount of $5 min) made within 4 months after account opening. After this, the fee is 5% ($5 min)

Cash advance fees: Minimum $10, or 5%.