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Legacy 5% top eligible category structure for existing cardholders

Closed to new applications as of May 28, 2026. Existing cardmembers retain their accounts; historical 5% category eligibility, spending caps, pricing and redemption terms remain governed by the current account agreement.

No rewards focus; introductory purchase/balance-transfer APR product

No rewards are earned. Eligibility, balance-transfer timing, credit line, fees, and APR terms are governed by the issuer application and card agreement.

Unlimited 2% cash back: 1% when you buy and 1% as you pay; total 5% on hotels, car rentals and attractions booked through Citi Travel.

The additional 1% is earned as eligible purchase balances are paid. The 5% total rate requires eligible Citi Travel portal bookings. Balance transfers do not earn rewards, and the intro APR does not apply to purchases.

No rewards

No rewards program. Approval is subject to Citi credit criteria, including income, debt, and credit review; applicants must not have a pending bankruptcy or bankruptcy history within the past 2 years. A refundable security deposit of $200–$2,500 in $100 increments is required and generally equals the credit limit. If approved online, bank information for the deposit must be provided within 14 days. Graduation review can begin at 9 months and then occurs annually, but an upgrade is not guaranteed. Deposit refund generally requires closing the account with the balance paid in full and the account in good standing.

No rewards focus; low-intro-APR/balance-transfer card

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.

No rewards emphasis; credit-building card

No standard rewards program or public introductory APR offer is shown. Approval and credit limit are subject to underwriting; on-time payments can support credit building but do not guarantee a credit-score increase. Current APR and fees are governed by the application disclosure.

No rewards; lowest-rate Citizens card

This card does not earn a standard rewards currency. The introductory rate applies only to qualifying balance transfers for 18 billing cycles; a variable APR applies afterward, and balance-transfer fees and current disclosure terms apply.

Unlimited 3% cash back on dining and groceries; unlimited 1.5% on everything else

Rewards apply to eligible net purchases and depend on merchant category coding; returns and credits reduce rewards. The introductory rate applies to qualifying balance transfers for 12 billing cycles, after which a variable APR applies; transfer fees and current disclosure 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.

Cash back at Costco, gas/EV charging, dining, eligible travel and other purchases; current category rates apply

Paid Costco membership required; annual reward certificate rules apply

5% Costco gas; 4% other eligible gas/EV charging; combined first $7,000/year then 1%; 3% restaurants/eligible travel; 2% Costco/Costco.com; 1% other

No separate card annual fee with paid Costco membership; gas/EV bonus subject to $7,000 combined annual cap. Rewards generally issued as annual certificate.

1% cash back on eligible gas, grocery, internet, cable, satellite TV and mobile-phone-service purchases

1% applies only to eligible gas, grocery, internet, cable, satellite TV and mobile phone services. An earning cap is not explicitly disclosed on the reviewed official product page; do not assert unlimited rewards. Final APR, foreign transaction fee and credit limit follow the prequalified offer.

Unlimited 1% cash back on eligible purchases

Annual fee varies by creditworthiness: $0 for excellent credit or $39 for average credit. Final fees, credit limit and eligibility are shown in the prequalified offer. Rewards exclusions and American Express benefit terms apply.

2X Delta purchases and restaurants worldwide; 1X other eligible purchases

• See card-specific caps and merchant-category rules
• Merchant coding and eligible Delta purchase rules apply

Eligible Delta purchase, merchant-coding, Pay with Miles and benefit terms apply.

Earn 10% Back1 in Rewards on qualifying purchases at our brands. | Earn a $30 Bonus Reward1 after you open & use a DICK'S Credit Card at one of our brands today. | Get up to 24 Months Special Financing1 on qualifying in-store purchases. Choose from 12, 18 or 24 months.

Applicants may receive the private-label DICK'S Credit Card or DICK'S Mastercard, so the network varies. The 10% ScoreCard reward applies to qualifying purchases at participating DICK'S brands; the Mastercard separately earns 1% on other eligible purchases.

2 points per $1 on qualifying Dillard's purchases; additional earning and redemption terms vary by card version

Welcome pass requires $100 in net Dillard’s purchases on the account-opening day and is delivered with the first statement; discount is capped at $100. The default ongoing reward is a 10% Off Shopping Pass unless the cardmember changes the selection. A reward is issued only after 1,500 points. Shopping Passes are single-day offers, have purchase exclusions, and cannot be combined with Dillard’s percentage-off coupons or Rewards Certificates. Mastercard-only rewards outside Dillard’s do not apply to the closed-loop store card.

5% cash back in rotating everyday purchase categories each quarter up to the quarterly maximum after activation; 1% on all other purchases

• Activation required
• Eligible net purchases outside the activated quarterly category earn the base rate; no quarterly activation required for the base rate.

Category activation and quarterly cap apply.