Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
• +10X points on hotels, car rentals, and attractions through Citi Travel portal
• +Lowest $95 annual fee among premium travel cards with transfer partners
• +Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
• +No foreign transaction fees for international purchases

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −No airport lounge access included
• −Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
• −10X portal bonus requires booking through Citi Travel, limiting flexibility
• −Welcome bonus lower than competing premium cards (60K vs 75K-90K)
• −Points worth less than competitors when redeemed for cash back (1 cent each)

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
• +10X points on hotels, car rentals, and attractions through Citi Travel portal
• +Lowest $95 annual fee among premium travel cards with transfer partners
• +Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
• +No foreign transaction fees for international purchases

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −No airport lounge access included
• −Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
• −10X portal bonus requires booking through Citi Travel, limiting flexibility
• −Welcome bonus lower than competing premium cards (60K vs 75K-90K)
• −Points worth less than competitors when redeemed for cash back (1 cent each)

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
• +10X points on hotels, car rentals, and attractions through Citi Travel portal
• +Lowest $95 annual fee among premium travel cards with transfer partners
• +Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
• +No foreign transaction fees for international purchases

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −No airport lounge access included
• −Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
• −10X portal bonus requires booking through Citi Travel, limiting flexibility
• −Welcome bonus lower than competing premium cards (60K vs 75K-90K)
• −Points worth less than competitors when redeemed for cash back (1 cent each)