Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee
• +30,000 point welcome bonus
• +5X points on travel booked via Citi Travel
• +3X points on groceries, transit, gas, and Self-Select category
• +Self-Select category flexibility (change quarterly)

• +No card annual fee (membership required separately)
• +4% cash back on gas (up to $7K annual spend)
• +3% cash back on restaurants and travel
• +2% cash back at Costco warehouse and Costco.com
• +1% on all other purchases

Cons

• −3% foreign transaction fee
• −5X rate requires booking through Citi Travel portal
• −Self-Select category can only change quarterly
• −Lower transfer value compared to premium ThankYou cards

• −Requires Costco membership ($65/year Gold Star minimum)
• −4% gas rate capped at $7K/year ($280 max annual gas rewards)
• −1% fallback after gas cap is spent
• −No premium travel benefits or insurance
• −Limited to Visa network (some merchants may not accept)

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee
• +30,000 point welcome bonus
• +5X points on travel booked via Citi Travel
• +3X points on groceries, transit, gas, and Self-Select category
• +Self-Select category flexibility (change quarterly)

• +No card annual fee (membership required separately)
• +4% cash back on gas (up to $7K annual spend)
• +3% cash back on restaurants and travel
• +2% cash back at Costco warehouse and Costco.com
• +1% on all other purchases

Cons

• −3% foreign transaction fee
• −5X rate requires booking through Citi Travel portal
• −Self-Select category can only change quarterly
• −Lower transfer value compared to premium ThankYou cards

• −Requires Costco membership ($65/year Gold Star minimum)
• −4% gas rate capped at $7K/year ($280 max annual gas rewards)
• −1% fallback after gas cap is spent
• −No premium travel benefits or insurance
• −Limited to Visa network (some merchants may not accept)

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee
• +30,000 point welcome bonus
• +5X points on travel booked via Citi Travel
• +3X points on groceries, transit, gas, and Self-Select category
• +Self-Select category flexibility (change quarterly)

• +No card annual fee (membership required separately)
• +4% cash back on gas (up to $7K annual spend)
• +3% cash back on restaurants and travel
• +2% cash back at Costco warehouse and Costco.com
• +1% on all other purchases

Cons

• −3% foreign transaction fee
• −5X rate requires booking through Citi Travel portal
• −Self-Select category can only change quarterly
• −Lower transfer value compared to premium ThankYou cards

• −Requires Costco membership ($65/year Gold Star minimum)
• −4% gas rate capped at $7K/year ($280 max annual gas rewards)
• −1% fallback after gas cap is spent
• −No premium travel benefits or insurance
• −Limited to Visa network (some merchants may not accept)