Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 months

Cons

• −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)

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 months

Cons

• −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)

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 months

Cons

• −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)

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit