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Card Economics
- Annual Fee
- $95
- Ongoing Annual Value
- $586
- First-Year Value Estimate
- $741
- Net Value
- +$491
Card type: PersonalForeign transaction fee: NoneCurrency: Citi ThankYou RewardsAU fee: $0
Earning Structure
10XAttractions booked through Citi Travel15%
10XCar rentals booked through Citi Travel15%
10XHotels booked through Citi Travel15%
3XDining4.5%
3XEV charging4.5%
3XFlights4.5%
3XGas Stations4.5%
3XGrocery Stores4.5%
3XHotels4.5%
1XAll other purchases1.5%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Where this card ranks
- Listed among 144 cards for dining4.5%
- Listed among 116 cards for groceries4.5%
- Listed among 115 cards for gas4.5%
- Listed among 94 cards for flights4.5%
- Listed among 102 cards for hotels4.5%
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 (1)
- Hotel via Citi Travel: $100 (Annual Calendar Year)
Instant discount on hotel stays of $500 or more (excluding taxes) when booked through cititravel.com. Applied automatically at checkout
Protections (6)
- Trip Delay — up to $500 — Up to $500 per trip for delays; round-trip travel must be paid in full with card
- Trip Cancellation/Interruption — up to $5,000 — Up to $5,000 per trip for eligible non-refundable expenses; round-trip travel must be paid in full with card
- Lost Luggage — up to $3,000 — Up to $3,000 per trip for lost or damaged luggage. Limit of 2 claims per 12 months. Must pay common carrier fare with card.
- Extended Warranty — up to $10,000 — Adds up to 24 months to manufacturer's warranty (max 5 years original)
- Purchase Protection — up to $10,000 — Coverage against damage or theft for 90 days from purchase date
- Auto Rental Collision Damage Waiver (secondary) — MasterRental coverage for rental car damage or theft. Max 31 days. Secondary in country of residence, primary outside.
Other Perks
- Citi Entertainment presale access to exclusive events
- The Reserve by Citi Travel: curated luxury hotels with perks including daily breakfast for two, $100 experience credits, and room upgrades
- Complimentary FICO Score access
