Rewards · Visa · No annual fee
Last verified 2026-10-26. Review issuer source
Citi TSC Visa Card is a no-annual-fee points card from Citi. Its best everyday rates are 3x on gas stations, 3x on grocery stores, and 3x on veterinary services; everything else earns 1x. There is also 5x on Tractor Supply Co., a single-merchant rate. Rewards are TSC points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $138, an effective 0.6% back.
Get it if you already fly or stay with TSC often enough to use the perks. A general travel card earns points that go more places. It charges 3% on foreign purchases, so leave it home when you travel abroad.
3% in rewards at gas stations
3% in rewards at grocery stores
5% in rewards at Tractor Supply Co.
3% in rewards on veterinary services
No welcome bonus is stored for this catalog entry yet.
12 Months Special Financing On Purchases $399 & Up.
36 Months - 3.99% APR Financing On Purchases $1599 & Up.
6 Months Special Financing On Purchases $199 & Up.
On eligible Tractor Supply purchases ($29 minimum spend).
2 per quarter, on eligible Tractor Supply purchases. Limit one Same Day Delivery certificate with $25 maximum value per transaction.
2 per quarter, based upon availability.
New cardholder earn a $50 reward with qualifying purchase of $50+
These come from Visa, not from Citi. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more. Sign up for a free Booking.com account to get started.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| TSC Visa CardThis card · 3x on gas stations | None | $138 | +$138 | 907th of 1,284 |
| Citi Double Cash®Citi's most-held other card · 2% on everything | None | $492 | +$492 | 281st of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
