Quick verdict
Best for mid-tier travelers who want 3x on travel and dining for $95/year. Skip if you travel less than 2–3 times per year — the $95 af won't pay off. also skip if chase 5/24 blocks you and you don't have existing citi relationship. the chase sapphire preferred offers better insurance at the same price.
🎁 Welcome bonus
60,000 ThankYou Points (worth ~$600 in travel) after $4,000 spend in 3 months
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| Air travel | 3x | points |
| Hotels | 3x | points |
| Restaurants | 3x | points |
| Gas stations | 3x | points |
| Groceries | 3x | points |
| Ev charging | 3x | points |
| Everything else | 1x | points |
Points/miles valued at 1.50¢ each (CreditStud.io estimate based on typical travel redemption).
💰 Annual Credits ($100 total face value)
| $100 annual hotel credit (Citi Travel bookings only) | $100 |
Credit value depends on you actually using them. Many credits are split monthly or semi-annually, so factor in your usage habits before counting them against the AF.
✨ Perks
- 3x on air travel, hotels, restaurants, gas, EV charging — no caps
- 60,000 bonus points (worth ~$600 travel) after $4K spend
- $100 annual hotel credit (bookings through Citi Travel)
- No foreign transaction fees
- Priority Pass Select membership (1 free visit/year, $32/visit after)
- Trip cancellation/interruption protection (up to $5,000)
- Baggage delay protection ($100/day for 3+ days)
- Transfer partners: 15+ airlines and hotels including JetBlue, Virgin Atlantic, and Wyndham
🎯 Who should consider this card
✅ Best for
- Mid-tier travelers who want 3x on travel and dining for $95/year
- People who don't qualify for or want to avoid the $395+ premium cards
- Citi ecosystem users pairing with Double Cash for a 2-card strategy
❌ Skip if
You travel less than 2–3 times per year — the $95 AF won't pay off. Also skip if Chase 5/24 blocks you and you don't have existing Citi relationship. The Chase Sapphire Preferred offers better insurance at the same price.
📊 Example: Typical traveler/diner
Based on illustrative spending. Use our AF Worth It Calculator to plug in your real numbers.
📋 Application tips
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.