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)

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on 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

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% cards

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)

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on 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

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% cards

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)

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on 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

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% cards