Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

• +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

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

• −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

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

• +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

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

• −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

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

• +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

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

• −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)