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)

• +3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
• +No annual fee with transferable points (rare combination)
• +1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
• +No spending caps on bonus categories
• +No foreign transaction fees

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 1X on groceries and general shopping
• −Welcome bonus of 20,000 points ($200 value) is modest
• −Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
• −No premium travel benefits like lounge access or travel insurance
• −Penalty APR of 29.99% for late payments

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)

• +3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
• +No annual fee with transferable points (rare combination)
• +1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
• +No spending caps on bonus categories
• +No foreign transaction fees

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 1X on groceries and general shopping
• −Welcome bonus of 20,000 points ($200 value) is modest
• −Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
• −No premium travel benefits like lounge access or travel insurance
• −Penalty APR of 29.99% for late payments

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)

• +3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
• +No annual fee with transferable points (rare combination)
• +1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
• +No spending caps on bonus categories
• +No foreign transaction fees

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 1X on groceries and general shopping
• −Welcome bonus of 20,000 points ($200 value) is modest
• −Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
• −No premium travel benefits like lounge access or travel insurance
• −Penalty APR of 29.99% for late payments