- Annual Fee
- $595
- Ongoing Annual Value
- $431
- First-Year Value Estimate
- $899
- Net Value
- −$164
Earning Structure
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Worth it for me?Credits & Perks (4)
- Hotel via Citi Travel: $300 (Annual Calendar Year)
$300 Annual Hotel Benefit via Citi Travel (once per calendar year, up to $300 off a hotel stay of 2+ nights, processed as discount not rebate, unused credit can be used on subsequent bookings within same calendar year).
- Blacklane: $100 (Semi Annual Calendar Year)
Statement credits for private chauffeur service bookings. Up to $100 per semi-annual period with Blacklane ($100 Jan-June, $100 July-Dec)
- Splurge: $200 (Annual Calendar Year)
Activate up to 2 merchants at a time from: 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation (benefit is per calendar year)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Lounge Access (2)
- Priority Pass Select (Unlimited) — 2 free guests, paid guests allowed
- Admirals Club (4 visits/year)
Protections (6)
- Trip Cancellation/Interruption — up to $5,000 — Up to $5,000 per trip, $10,000 per account per 12 months for eligible non-refundable expenses. Must pay for trip with card.
- Trip Delay — up to $500 — Up to $500 per trip for delays over 6 hours. Pay for a portion of the common carrier fare with your card to be eligible for this benefit.
- Lost Luggage — up to $3,000 — Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. $2K per bag for NY residents. Pay for a portion of the common carrier fare with your card to be eligible for this benefit.
- Extended Warranty — up to $10,000 — Adds up to 24 months to manufacturer's warranty of 24 months or less. Up to $10,000 per item, not to exceed 7 years from purchase date.
- Purchase Protection — up to $10,000 — Coverage against damage or theft for up to 90 days from purchase date
- Auto Rental Collision Damage Waiver (secondary) — MasterRental coverage for rental car damage or theft. Cash value of car plus up to $500 loss-of-use charges. Max 31 days. Secondary in US, primary outside country of residence.
Other Perks
- The Reserve by Citi Travel: curated luxury hotels with complimentary breakfast for two, free Wi-Fi, $100 experience credit, room upgrades, and early check-in/late checkout (subject to availability)
- Citi Entertainment presale access to exclusive events for concerts, sports, arts, and dining
- Mastercard World Legend Concierge: 24/7 personal concierge service, priority restaurant reservations, and Priceless experiences
