Network

Key Benefits

Pros

• +No annual fee
• +20,000 mile welcome bonus ($200 value)
• +5X miles on hotels and rental cars via Capital One Travel
• +1.25X miles on all purchases
• +No foreign transaction fees

• +12X on hotels, car rentals, and attractions via Citi Travel portal
• +6X on dining during Citi Nights℠ (Fri/Sat evenings)
• +Up to $700 in annual statement credits ($300 hotel + $200 Splurge + $200 Blacklane)
• +Priority Pass Select + 4 AA Admirals Club passes per year
• +ThankYou points transfer to AA, JetBlue, Virgin Atlantic, and 15+ other partners

Cons

• −Lower earn rate than premium travel cards
• −No lounge access or premium travel benefits
• −5X earning requires booking through Capital One Travel
• −Miles worth 1 cent each for travel, less for other redemptions

• −High $595 annual fee requires maximizing statement credits to offset
• −Best earn rates require booking through Citi Travel portal (lose hotel loyalty credit)
• −Citi Nights dining bonus limited to Fri/Sat 6PM-6AM ET timezone
• −Only 4 Admirals Club passes (not unlimited access)
• −Authorized user fee of $75 per user

Network

Key Benefits

Pros

• +No annual fee
• +20,000 mile welcome bonus ($200 value)
• +5X miles on hotels and rental cars via Capital One Travel
• +1.25X miles on all purchases
• +No foreign transaction fees

• +12X on hotels, car rentals, and attractions via Citi Travel portal
• +6X on dining during Citi Nights℠ (Fri/Sat evenings)
• +Up to $700 in annual statement credits ($300 hotel + $200 Splurge + $200 Blacklane)
• +Priority Pass Select + 4 AA Admirals Club passes per year
• +ThankYou points transfer to AA, JetBlue, Virgin Atlantic, and 15+ other partners

Cons

• −Lower earn rate than premium travel cards
• −No lounge access or premium travel benefits
• −5X earning requires booking through Capital One Travel
• −Miles worth 1 cent each for travel, less for other redemptions

• −High $595 annual fee requires maximizing statement credits to offset
• −Best earn rates require booking through Citi Travel portal (lose hotel loyalty credit)
• −Citi Nights dining bonus limited to Fri/Sat 6PM-6AM ET timezone
• −Only 4 Admirals Club passes (not unlimited access)
• −Authorized user fee of $75 per user

Network

Key Benefits

Pros

• +No annual fee
• +20,000 mile welcome bonus ($200 value)
• +5X miles on hotels and rental cars via Capital One Travel
• +1.25X miles on all purchases
• +No foreign transaction fees

• +12X on hotels, car rentals, and attractions via Citi Travel portal
• +6X on dining during Citi Nights℠ (Fri/Sat evenings)
• +Up to $700 in annual statement credits ($300 hotel + $200 Splurge + $200 Blacklane)
• +Priority Pass Select + 4 AA Admirals Club passes per year
• +ThankYou points transfer to AA, JetBlue, Virgin Atlantic, and 15+ other partners

Cons

• −Lower earn rate than premium travel cards
• −No lounge access or premium travel benefits
• −5X earning requires booking through Capital One Travel
• −Miles worth 1 cent each for travel, less for other redemptions

• −High $595 annual fee requires maximizing statement credits to offset
• −Best earn rates require booking through Citi Travel portal (lose hotel loyalty credit)
• −Citi Nights dining bonus limited to Fri/Sat 6PM-6AM ET timezone
• −Only 4 Admirals Club passes (not unlimited access)
• −Authorized user fee of $75 per user