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5% grocery stores; 3% gas/EV charging, wholesale clubs, streaming, pharmacy and qualifying AAA purchases; 1% other purchases

Grocery-store, wholesale-club and gas-station purchases share a combined $500 cash-back limit per calendar year. After this limit is reached, purchases in those three categories earn 1% for the rest of that calendar year.

2X AAdvantage miles at grocery stores and on eligible American Airlines purchases; 1X all other purchases

15,000-mile offer requires $500 in purchases within 3 months. The new-account bonus is unavailable if the applicant received a MileUp new-account bonus within the past 48 months, or converted a Citi account that earned a new-account bonus in the past 48 months into a MileUp account. Foreign purchases incur a 3% fee. Only eligible purchases earn miles and Loyalty Points; fees, interest, balance transfers, cash advances, and other cash-like transactions are excluded.

4X restaurants worldwide up to $50,000/year then 1X; 4X U.S. supermarkets up to $25,000/year then 1X; 5X prepaid hotels through Amex Travel; 3X flights through Amex Travel or directly with airlines; 2X prepaid car rentals through Amex Travel and cruises booked and paid through Amex Travel; 1X other eligible purchases

• 4X restaurants up to $50,000/year; 4X U.S. supermarkets up to $25,000/year

4X restaurants capped at $50,000/year then 1X; 4X U.S. supermarkets capped at $25,000/year then 1X; travel bonus categories require eligible Amex Travel or direct-airline bookings. Current Resy welcome offer is up to 100,000 points after $8,000 in the first 6 months. The actual offer varies by applicant and eligibility may be unavailable; confirm terms before accepting.

4 points per $1 on dining on first $2,000 each quarter; 2 points on eligible grocery, gas/EV charging and streaming; 1 point elsewhere

The 4-point dining rate is limited to the first $2,000 in eligible dining purchases each quarter, then 1 point per $1. Wholesale clubs, discount stores and supercenters may not qualify for grocery or gas bonus rates. Bonus requires $500 in eligible purchases within 90 days. Merchant coding and program rules control eligibility.

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.

6% cash back in the category of your choice for the first year (3% base + 3% first-year bonus); 2% at grocery stores and wholesale clubs; 1% other purchases

6% choice-category and 2% grocery/wholesale rates apply to the first $2,500 in combined purchases each quarter; after the first-year bonus ends, the choice category returns to 3%.

6% chosen category for first year, then 3%; 2% grocery/wholesale; 1% other, subject to quarterly cap

Chosen category plus grocery/wholesale capped at $2,500 combined per quarter

6% cash back in the category of your choice for the first year (3% base + 3% first-year bonus); 2% grocery stores and wholesale clubs; 1% other purchases

A refundable security deposit and credit approval are required. Credit limit, deposit return, graduation, rewards eligibility, and fees follow issuer terms. Returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards.

3X dining; 2X grocery stores (excluding Target and Walmart), internet, select streaming, phone and TV services; 1X 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. Grocery bonus excludes Target and Walmart. Streaming bonus applies only to eligible selected services.

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% streaming/cable; 3% gas/EV and grocery on first $1,500 combined eligible purchases each quarter; 1% other

• A prior $250 welcome offer expired Aug. 31, 2026 and is intentionally not stored as current. Gas/EV/grocery 3% share $1,500 quarterly purchase cap.

Limited-time double-cash-back offer requires application from September 1 through November 1, 2026 and applies to eligible first-year purchases. Gas/EV charging/grocery 3% rewards share a $1,500 combined quarterly purchase cap; other exclusions and merchant coding rules apply.

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.

Unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel; 3% at eligible grocery stores, dining, entertainment and popular streaming services; 1% on other purchases.

The grocery category excludes superstores such as Walmart and Target. Elevated travel earning requires booking through Capital One Travel. Bonus eligibility is subject to the issuer's 48-month restriction and application channel.