Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

• +No annual fee
• +30,000 point welcome bonus
• +5X points on travel booked via Citi Travel
• +3X points on groceries, transit, gas, and Self-Select category
• +Self-Select category flexibility (change quarterly)

Cons

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

• −3% foreign transaction fee
• −5X rate requires booking through Citi Travel portal
• −Self-Select category can only change quarterly
• −Lower transfer value compared to premium ThankYou cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

• +No annual fee
• +30,000 point welcome bonus
• +5X points on travel booked via Citi Travel
• +3X points on groceries, transit, gas, and Self-Select category
• +Self-Select category flexibility (change quarterly)

Cons

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

• −3% foreign transaction fee
• −5X rate requires booking through Citi Travel portal
• −Self-Select category can only change quarterly
• −Lower transfer value compared to premium ThankYou cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

• +No annual fee
• +30,000 point welcome bonus
• +5X points on travel booked via Citi Travel
• +3X points on groceries, transit, gas, and Self-Select category
• +Self-Select category flexibility (change quarterly)

Cons

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

• −3% foreign transaction fee
• −5X rate requires booking through Citi Travel portal
• −Self-Select category can only change quarterly
• −Lower transfer value compared to premium ThankYou cards