Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +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

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

• −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

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +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

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

• −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

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +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

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

• −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