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5% eligible gas/EV charging; 3% grocery stores, restaurants, eligible travel and qualifying AAA purchases; 1% other purchases

5% category limited to $350 cash back per calendar year (equivalent to $7,000 of qualifying 5% purchases), then 1%.

Unlimited 3% cash back on gas and drugstore purchases (excluding Target and Walmart); 2% on eligible medical expenses; 1% on other eligible purchases

Rewards apply only to eligible net purchases after returns, credits and adjustments. Balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant coding and applicant-specific terms apply. Gas/drugstore bonus excludes Target and Walmart. Medical expenses must qualify under issuer merchant coding.

3X ThankYou Points at gas and EV charging stations; 2X grocery stores; 2X AT&T products and services; 1X all other purchases

$200 opening offer requires $1,000 in purchases within 3 months and is unavailable if an AT&T Points Plus opening offer was received within the past 48 months; Citi issues only one account per person. The $20 billing-cycle credit requires at least $1,000 in qualifying purchases during that billing cycle. AT&T service discounts require eligible service, enrollment in AutoPay and paperless billing, and compliance with AT&T terms. Returns, fees, interest, balance transfers, cash advances, and cash-like transactions do not earn points.

3X eligible Alaska/Hawaiian purchases; 2X gas, EV, cable, streaming and local transit; 1X other; eligible BofA relationship bonus

Annual companion fare requires $6,000 in anniversary-year spend

3% back on most BJ's purchases; 1.5% elsewhere; 10¢ per gallon discount at BJ's Gas

Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.

5% back on most BJ's purchases; 2% elsewhere; 15¢ per gallon discount at BJ's Gas

Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.

3% U.S. supermarkets, U.S. online retail and U.S. gas stations, each up to $6,000/year then 1%; 1% other

Each 3% category capped at $6,000/year, then 1%

6% U.S. supermarkets up to $6,000/year then 1%; 6% select U.S. streaming; 3% U.S. gas stations and transit; 1% other

• Up to $6,000 in U.S. supermarket purchases per year, then 1%

6% U.S. supermarkets capped at $6,000/year, then 1% Welcome offer on the linked application route: $300 after $3,000 eligible purchases in the first 6 months. Offers can vary; prior card ownership and issuer eligibility restrictions apply.

6% U.S. supermarkets up to $6,000/year then 1%; 6% select U.S. streaming; 3% U.S. gas stations and transit; 1% other

• 6% supermarkets capped at $6,000/year; annual $100 credit requires $15,000 spend
• $0 introductory annual fee for the first year, then $95. 6% U.S. supermarket rewards are capped at $6,000 in purchases per calendar year, then 1%. $100 annual statement credit requires $15,000 in eligible calendar-year purchases.

$0 introductory annual fee for the first year, then $95. The welcome offer requires $3,000 in eligible purchases within 6 months. U.S. supermarket rewards are capped at $6,000 per calendar year, then 1%. The $100 annual statement credit requires $15,000 in eligible calendar-year purchases. Disney credit requires enrollment and eligible monthly subscription charges.

5 points/$1 on phone and internet; 4 points/$1 on office supplies and printing; 3 points/$1 on gas and EV charging; 2 points/$1 on dining; 1 point/$1 elsewhere; $750 quarterly cap per bonus category, then 1 point/$1

Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. $750 quarterly cap per bonus category, then 1X. Annual bonus spend is total qualifying spend within 12 months, not an additional $50,000 after the first tier.

2 points/$1 on gas, EV charging and groceries on first $1,500 combined each quarter, then 1 point/$1; 1 point/$1 elsewhere

Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. Gas, EV charging and grocery purchases share a $1,500 quarterly cap.

4 points/$1 on gas, EV charging, groceries and dining; 2 points/$1 on hotels and airfare; 1 point/$1 elsewhere, subject to quarterly caps

Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. Each bonus group is capped at $2,000 combined purchases per calendar quarter, then 1X.

5 points/$1 on bp/Amoco non-fuel in-store purchases; 3 points/$1 on groceries and dining; 1 point/$1 on other eligible non-fuel purchases; 15¢/gallon ongoing fuel discount

Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. Fuel purchases do not earn points. 50¢/gallon introductory offer applied to openings May 18–September 30, 2026 and is not current on October 1. Paper statement fee $1.99.

3 points/$1 on gas, groceries, dining and utilities; 1 point/$1 elsewhere; 25% additional points after 20 purchases in a billing cycle

Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. 25% additional points requires 20 posted purchases per billing cycle. Wholesale clubs excluded from grocery; delivery services excluded from dining. Utility category covers eligible electric, gas, water and sewer. Issued by Comenity Bank.

5X points at participating Choice Hotels and on Choice Privileges point purchases; 3X at gas stations, grocery stores, home-improvement stores and on phone-plan services; 1X on other purchases.

Bonus eligibility may be restricted if a Choice Privileges Mastercard or Select account was opened within the prior 15 months. Bonus-category earning depends on Mastercard merchant coding. Cell-phone protection requires the monthly bill to be paid with the card.

10X points at participating Choice Hotels and on Choice Privileges point purchases; 5X at gas stations, grocery stores, home-improvement stores and on phone-plan services; 1X on other purchases.

Bonus eligibility may be restricted if a Choice Privileges Mastercard or Select account was opened within the prior 15 months. Bonus-category earning depends on Mastercard merchant coding. Anniversary and status benefits require an open eligible account.

5X Citi Travel hotels, car rentals and attractions; 3X supermarkets; 3X select transit and gas/EV charging; 3X one eligible Self-Select Category; 2X restaurants; 1X all other purchases

Self-Select Category defaults to select streaming and may be changed once per calendar quarter; eligible categories are limited to Citi's published list. Merchant coding and Citi reward terms apply.

4% streaming/cable; 3% restaurants/fast food/coffee; 2% groceries/gas; 1% other purchases

Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.