Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +2% flat rate on all purchases with no caps
• +No annual fee
• +0% intro APR for 18 months on balance transfers
• +Simple earning structure - no tracking categories
• +Points can combine with other Citi ThankYou cards

• +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

• −3% foreign transaction fee
• −Must pay bill to earn second 1% cash back
• −No travel insurance or purchase protection
• −Relatively modest $200 welcome bonus
• −No bonus categories for high spenders

• −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

• +2% flat rate on all purchases with no caps
• +No annual fee
• +0% intro APR for 18 months on balance transfers
• +Simple earning structure - no tracking categories
• +Points can combine with other Citi ThankYou cards

• +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

• −3% foreign transaction fee
• −Must pay bill to earn second 1% cash back
• −No travel insurance or purchase protection
• −Relatively modest $200 welcome bonus
• −No bonus categories for high spenders

• −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

• +2% flat rate on all purchases with no caps
• +No annual fee
• +0% intro APR for 18 months on balance transfers
• +Simple earning structure - no tracking categories
• +Points can combine with other Citi ThankYou cards

• +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

• −3% foreign transaction fee
• −Must pay bill to earn second 1% cash back
• −No travel insurance or purchase protection
• −Relatively modest $200 welcome bonus
• −No bonus categories for high spenders

• −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