While Citi Cash Back does have higher rebate on groceries and even lets you enjoy dining at a discount, Citibank SMRT could be a better choice for people who care more about saving
money on a modest budget and probably wouldn't dine out as much.
[4] CBO also assumes a similarly
modest increase in FY 2019 rather than the 3.0 percent increase allowed under the
budget deal, but our assumption here is that Congress will spend up to its statutory limit rather than leaving
money on the table.