2% total: 1% on purchases and 1% as those purchases are paid.
The full 2% estimate assumes you pay the purchase balance with money, not rewards statement credits.
The rates we use
| Purchases | Rate | Annual cap |
|---|---|---|
| Other eligible purchases | 2% | Uncapped |
Annual fee: $0. Other fees may apply.
What qualifies?
The payment half depends on qualifying payments and the purchase tracker. This estimates eventual rewards, not exactly when they post.
Cash redemption assumption
ThankYou Points redeemed for cash at one cent per point; use cash redemption outside the card balance to preserve the payment assumption.
What this estimate leaves out
Citi Travel portal bonuses and promotional offers are excluded.
The calculation assumes full payment and does not include interest, foreign transaction charges, or other fees. This is a rewards comparison, not a credit or borrowing-cost recommendation.
A worked example
For the illustrative Everyday mix ($2,000 per month), this model returns $480 per year. Your own categories may change that amount. The breakdown below uses the same arithmetic as the calculator.
| Category | Annual spend | Calculation | Cash back |
|---|---|---|---|
| Groceries | $7,200.00 | $7,200.00 × 2% | $144.00 |
| Dining & takeout | $3,600.00 | $3,600.00 × 2% | $72.00 |
| Gas | $1,800.00 | $1,800.00 × 2% | $36.00 |
| Online retail | $2,400.00 | $2,400.00 × 2% | $48.00 |
| Drugstores | $600.00 | $600.00 × 2% | $12.00 |
| Entertainment & streaming | $1,200.00 | $1,200.00 × 2% | $24.00 |
| Everything else | $7,200.00 | $7,200.00 × 2% | $144.00 |
| After $0 annual fee | $480.00 | ||
Check the source
These are source-reviewed facts, not a live offer feed. Confirm current terms and your exact card variant directly with the issuer.