What credit card should I get?

The best credit card for you depends on your spending habits, credit score, and goals. Use our free quiz to analyze your spending in categories like dining, groceries, travel, and gas to find cards that maximize your rewards.

How do I choose the best credit card?

Consider these factors: 1) Where you spend the most money (dining, groceries, travel, gas), 2) Your credit score range, 3) Whether you want cash back, points, or miles, 4) If you're willing to pay an annual fee for premium benefits.

What is the best cash back credit card?

The best cash back card depends on your spending. For everyday purchases, flat-rate cards like Citi Double Cash (2%) work well. For category spending, cards like Chase Freedom Flex (5% rotating) or Amex Blue Cash Preferred (6% groceries) offer higher returns.

What credit card is best for travel?

Top travel cards include Chase Sapphire Preferred (great for beginners), Chase Sapphire Reserve (premium benefits), Amex Gold (dining + flights), and Capital One Venture X (simple earning). Our quiz helps match your travel style to the right card.

Do I need good credit for a rewards card?

Most premium rewards cards require good to excellent credit (700+). However, options exist for fair credit (650-699) like Capital One Quicksilver, and secured cards help build credit while earning rewards.

All cards

CitiCash Back

Citi Rewards+

Points card from Citi

No annual fee

Round up to nearest 10 points
2x on groceries and gas
10% points back (up to 10,000)
0% intro APR for 15 months
No annual fee

Welcome Bonus

$150 value

after $1,000 spend in 3 months

Credit Needed

Good (670-749)

Personal card

APR

0% intro

then 18.24%–28.24% after 15 months

Foreign Transaction Fee

Fee on foreign purchases

Base Reward Rate

On all other purchases

Rewards Structure

Category	Rate	Details
Groceries	2x	at supermarkets
Gas	2x	at gas stations
Everything else	1x	Base rate on non-bonus spending

Rates and fees disclosure

Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.

Is the Citi Rewards+ right for you?

Take our free 2-minute quiz to see how this card scores against 55+ other cards based on your actual spending habits, credit score, and goals.

Take the Card Finder Quiz

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More cards from Citi

Citi Double Cash Card

No annual fee

Citi Premier Card

$95/yr | $800 bonus

Citi Custom Cash Card

No annual fee | $200 bonus

Citi Simplicity Card

No annual fee