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Citi Travel With Booking.com Portal: Your Guide To Booking Flights, Hotels, Car Rentals, Theme Parks, & More

Chris Hassan

Social Media & Brand Manager

216 Published Articles

Countries Visited: 24 U.S. States Visited: 26

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3194 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Director of Operations & Compliance

1 Published Article 1178 Edited Articles

Countries Visited: 10 U.S. States Visited: 20

Table of Contents

What is the citi travel with booking.com portal, cards that earn citi thankyou points, why should you use the citi travel with booking.com portal, how to access the citi travel with booking.com portal, how to book a flight through the citi travel with booking.com portal, how to book a hotel through the citi travel with booking.com portal, how to book a rental car through the citi travel with booking.com portal, how to book attractions through the citi travel with booking.com portal, how to book a cruise through the citi travel with booking.com portal, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Citi ThankYou Points are an often underappreciated, yet valuable point currency. Often overshadowed by the bigger players like Chase and American Express, Citi offers cardmembers the opportunity to earn and redeem points with some great travel partners.

While transferring points to partners may often yield better value, using points to book travel via Citi’s travel portal can be a convenient option. And the updated Citi Travel with Booking.com portal makes that process even easier and more robust.

In this guide, we will show you exactly what the Citi Travel with Booking.com portal is, who can use it, how to use it, and whether or not you should use it.

Ready? Let’s go!

The Citi Travel with Booking.com portal is a third-party online travel agency (OTA) run by, you guessed it, Booking.com . This portal operates very similarly to other OTAs such as Orbitz and Expedia .

Like other online travel agencies, users have the option to book flights, hotels, rental cars, activities, and more. However, since it’s linked to your Citi account, you can redeem Citi ThankYou Points towards travel at a rate of 1 cent per point.

Who Can Use the Citi Travel With Booking.com Portal?

Unlike other travel portals, like AmexTravel.com , you can only use the Citi Travel with Booking.com portal if you have a Citi credit card that earns ThankYou Points.

Some of our favorite travel cards are issued by Citi. The option to earn flexible points with cards that have some great everyday bonus categories is an excellent way to level up your travel game.

If you want to boost your Citi ThankYou Points balance, here are some of our favorite cards:

*The information regarding the Citi Premier card has expired and the card is no longer open to applicants.

The Citi Premier ® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

• 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
• Access to Citi transfer partners
• Annual hotel credit
• $95 annual fee
• Earn 60,000 bonus ThankYou ® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou ® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou ® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases
• APR: 21.24% - 29.24% Variable
• Foreign Transaction Fees: None

Citi ThankYou Rewards

This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Plus, as a special offer, earn a total of 5 Thank You ® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.*
• 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Earn 2X ThankYou ® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou ® Points on All Other Purchases.
• The Citi Rewards+ ® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
• No Annual Fee
• APR: 0% intro APR on balance transfers and on purchases for 15 months. After that, the variable APR of 18.74% - 28.74%.
• Foreign Transaction Fees: 3% of each purchase transaction in US dollars

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

The Citi Double Cash ® Card  has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points . This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee
• No bonus categories
• 3% foreign transaction fees
• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou ® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Citi Double Cash ® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel SM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
• APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!

The Citi Custom Cash ® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, without an annual fee.

Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.

• 5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
• Multiple redemption options
• Your 5% category is limited to $500 in spend ($25 in cash-back) each month
• Not particularly rewarding for any purchases outside of your top 5% cash-back category
• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou ® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked via the Citi Travel℠ portal through 6/30/2025.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• Citi will only issue one Citi Custom Cash ® Card account per person.
• APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.
• Foreign Transaction Fees: 3%

While many in the travel community prefer to earn points and then transfer them to partners to book award redemptions, that process can be complicated and confusing to some people.

For a lot of people, booking through an OTA, like the Citi Travel with Booking.com portal, is straightforward and easy — and if that helps you book more travel, then you should absolutely do it.

But there are plenty of other reasons to use the Citi Travel with Booking.com portal as well …

Bonus Points

To kick off the launch of the new portal, Citi is offering up to 10 ThankYou Points per $1 spent on hotels, car rentals, and attractions  if you hold a Citi Prestige ® Card or Citi Premier card . If you hold the Citi Rewards+ card , you can earn up to 5 ThankYou Points per $1. This promotion is valid through December 31, 2025.

No Blackout Dates

If there is a seat on the flight you want, you can book it. There are no blackout dates or stress about finding award availability. With the Citi Travel with Booking.com portal, if you see a flight, you can book it.

Earn Airline Miles

One of the nice things about booking flights through an OTA is the fact that you still earn airline miles and elite-qualifying miles despite not booking directly through the airline.

Use Points and Money

If you are a little short on points or don’t want to use them all, you can use a combination of points and money to pay for your travel.

At checkout, simply select how many points you want to redeem and the difference will be calculated for you to pay in cash.

Book Non-chain Hotels

While points are great for booking hotels from the big chains, your options are limited when it comes to independent, boutique hotels.

That is when booking through an OTA like the Citi Travel with Booking.com portal comes in handy. You can use your ThankYou Points to book hotels that otherwise wouldn’t have been possible.

Get a Fourth Night Free

One of the many benefits of the Citi Prestige card (no longer open to new applicants) is that cardholders are eligible for a fourth night free at select hotels.

Simply select a hotel for 4 or more nights and if the hotel is eligible, the price will reflect the discount.

Pool Citi ThankYou Points

If you are short on points or want to boost your balance, Citi allows members to combine ThankYou Points.

This can be done online or by calling the phone number on the back of your Citi credit card.

Luxury Collection and Hotel Collection Benefits

As part of the new travel portal, Citi is gradually introducing 2 new programs for hotel bookings; Luxury Collection and Hotel Collection.

These programs offer unique benefits at select hotels, although the number of hotels is still quite limited. However, you can expect the following if you book:

Luxury Collection Benefits (Citi Premier Card and Citi Prestige Card members):

• $100 experience credit
• Room upgrade, upon availability
• Daily breakfast for 2
• Complimentary Wi-Fi
• Early check-in, upon availability
• Late checkout, upon availability

Hotel Collection Benefits (All eligible cardmembers):

Hot Tip: It’s not all positive — if you book a chain hotel via the Citi Travel with Booking.com portal you are typically ineligible to receive any elite night credits or elite benefits during your stay. 

Accessing the Citi Travel with Booking.com portal is pretty straightforward. You can simply visit Citi Travel with Booking.com and log in with your Citi credentials.

From there you will have options to choose Hotels, Flights, Cars, and More . Let’s start with booking flights …

Once you are logged in and click on Flights , you will be directed to the online search tool — which may look familiar if you have used Booking.com before.

Searching for a flight using the Citi Travel with Booking.com portal is pretty straightforward.

Simply select:

• Round-trip or one-way (multi-city is no longer an option)
• Flying from
• Departure date
• Return date (if applicable)
• Cabin class

Once you have started a search, the results will populate and you will have additional options to filter through the flights.

Currently, you can filter flight results by:

• Departure times
• Arrival times

Citi will even break down the results into 3 categories: Cheapest , Fastest , and Best overall — which is a combination of low price and short duration.

By default, the results are shown by price per person, but you can also sort them by:

• Total journey time (fastest first)
• Best overall (cheap, short flights)
• Outbound departure time (earliest first)
• Outbound arrival time (earliest first)
• Stops (fewest stops first)

Once you have found a flight that works for you, click on the blue Select  button to proceed with the booking.

If eligible, you will be prompted with options to upgrade your seat, similar to what airline websites offer.

After confirming your selection and adding the passenger information, click the Continue to payment button where your flight details will be shown alongside your Citi ThankYou Points balance.

You then will have the option to use points, pay with your Citi card, or a combination of both. From here, you can use as many (or as few) points as you would like to cover the cost of the flight, and if there is a balance, it will be charged to your Citi card.

After confirming the information, simply click on Complete Purchase and your ticket will be issued. As with most OTAs, there is a 24-hour cancellation window.

Comparing Rates

While it isn’t uncommon for flight prices to fluctuate and be slightly different between online travel agencies and with airlines directly, during our search we found that most prices were the same price on Google Flights as they were through the Citi Travel with Booking.com portal.

While prices are often similar, it is always a good idea to double-check prices on Google Flights.

As an extra data point, American Airlines was charging 11,500 miles for that flight, so that was slightly less than the 12,790 Citi ThankYou Points needed.

Once logged in, click on the Hotel tab to start the booking process through the Citi Travel with Booking.com portal (the default landing page may already be set to hotels).

Searching for a hotel is pretty straightforward and similar to many other OTAs.

• Destination
• Check-in date
• Check-out date
• Number of guests and rooms

If you have a Citi Prestige complimentary 4th night free available, there will be a message displaying that information.

Once you have started a search, the results will populate and you will have additional options to filter through hotel options.

Currently, you can filter hotel results by:

• Price per night
• Property type
• Sustainability
• Distance to center
• Neighborhood
• Star rating
• Payment options
• Guest rating
• Room amenities
• Near popular attractions
• Location rating
• Property facilities
• Room offers
• Beach access
• Location highlights
• Number of bedrooms
• Popular hotel brands

By default, the results are sorted by Best match , but you can sort by lowest price , distance , and top reviewed as well.

Hot Tip: Beware, the prices shown on the first page do not include taxes and fees , so the price may change significantly from one page to another. 

Once you have found an option that works for you, click on the hotel to proceed with the booking.

After finding a room that you like, click Add to cart or Check out to be directed to the Review page where you will enter the guest information.

Citi Prestige Card Benefit

On the next page, if you have a Citi Prestige card, you will have the option to apply the Complimentary 4th Night Benefit.

If you don’t have a Citi Prestige card, you can skip ahead.

Citi Premier Card Benefit

If you have a Citi Premier card, you can receive $100 off a single hotel stay of $500 or more.

This $100 credit is available once per calendar year when booking via the Citi Travel with Booking.com portal, and you will have the option to use it or not.

After filling out the guest information, click on Continue to payment.

Finally, on the Payment page, you will have the option to apply your Citi ThankYou Points towards the total at a rate of 1 cent per point. So, for example, using 10,000 points would reduce the total by $100.

Hotels always want guests to book directly with them in order to avoid paying commission fees to online travel agencies, so it’s not uncommon to see prices be different from site to site.

That is why hotels do not provide elite benefits when booking through an OTA, as an extra incentive to book direct.

In the case of the Citi Travel with Booking.com portal, our example was actually cheaper than the price on Expedia as well as directly with the hotel, which is great news for Citi cardholders.

The total for 4 nights via the Citi Travel with Booking.com portal was $1,228, before factoring in any card benefits or points. The price for the same room and dates directly with the Loews Sapphire Falls Resort was $1,266.09 — $38.09 more expensive. 

Once you are logged in, click on the Car tab to start booking a car through the Citi Travel with Booking.com portal

If you have searched for a rental car using an online travel agency before, you will notice that the layout is quite similar.

• Same drop-off
• Different drop-off (if applicable)
• Pick-up city or airport
• Drop-off city or airport (if applicable)
• Driver’s age
• Pick-up date
• Drop-off date
• Pick-up time
• Drop-off time

Once you have started a search, the results will be displayed and you will have some additional options to filter through the rental car inventory.

Currently, you can filter rental car results by:

• Vehicle type
• Rental agency
• Cancellation fee
• Price per day

By default, the results are sorted by price — lowest price first. 

Additionally, you can see the results on a map, which can be helpful if you are picking up somewhere besides an airport.

Once you have found a price that works for you, select the car to proceed with the booking.

After adding the driver information, you can now use as many (or as few) Citi ThankYou Points as you would like to cover the cost of your rental car.

After confirming all of the information, simply click on Confirm Purchase and your confirmation will be emailed to you. The cancellation policy will vary based on the car and rate you selected.

As a reminder, rental car company-specific credits and benefits will not be available when booking through a third-party travel agency.

Rental car rates are constantly fluctuating, so booking a car with a generous cancellation policy is a good idea in case you find a better price later on.

Comparing prices for this guide was an excellent example of that. In our sample search, Expedia had the same car class from SIXT, but for $22 more for the week. However, Expedia also had several rental car companies that Citi didn’t, many of which were cheaper.

But the good news is, renting via the Citi Travel with Booking.com portal was cheaper than booking directly with SIXT, which was the same price as Expedia, plus you can use points.

One thing to note was the lack of other well-known rental agency options. For example, in Miami, there were many companies that we had never heard of, and the portal was missing big names like Hertz and National. Meanwhile, in Boston, there was only 1 option: Payless. Definitely do your research and don’t rely solely on the Citi search results.

Bottom Line: It is always a good idea to compare OTAs as well as directly with the rental car company when searching for a car. See our guide on finding the best websites for finding cheap car rentals for more tips!

Booking an attraction (think: theme parks) is an awesome feature of the updated Citi Travel with Booking.com portal.

Once you log in, click on the Attractions tab to start the booking process via the portal.

To start, simply type in the city you would like to visit and click Search .

Once the attractions have been populated, you can filter them by:

You can also sort by:

• Lowest price first
• Highest rating first

Once you have found an activity that you like, click on it to bring up more details.

Click on See Options to search for availability and additional ticket options.

If there is availability for your request, click the blue Choose button and then add the number of travelers in your party.

You can now use as many or as few Citi ThankYou Points as you would like to cover the cost of the attraction. If you are short on points, don’t worry, you can add the difference to your Citi card.

After confirming the trip information, simply click Confirm Purchase and your ticket will be emailed to you. As a quick note, many attractions are non-refundable.

Comparing prices on local activities can be difficult because many of them are run by individuals or small companies who may not be on all booking sites.

However, for this example, we chose a 1 day Park-2-Park ticket for Universal Orlando, which sells directly from UniversalOrlando.com for $217.26.

Booking via the Citi Travel with Booking.com portal would be $15 more expensive, per person. That may not be a big deal if you are planning on using your ThankYou Points, but it is something to consider.

Booking a cruise with Citi ThankYou Points was never an easy task, and with the rollout of the new Citi Travel with Booking.com portal, it appears that Citi has decided to move away from that category.

You can still find the occasional river cruise or local boat tour via the attractions search, but weeklong trips to the islands, for instance, are not available at the moment.

Bottom Line: If you are looking to book a cruise, we can show you the best websites to book cruises at the cheapest prices . 

Overall, the refreshed Citi Travel with Booking.com portal is a convenient, easy-to-use, and valuable travel tool for those who don’t like to deal with transferring points to partners.

Redeeming Citi ThankYou Points at a rate of 1 cent per point won’t get you the greatest redemptions, but if you would otherwise not use the points, using them (or earning them) to book travel through the portal is a solid deal.

There are some unique perks, like being able to use points at non-chain hotels, but there are drawbacks as well, like not receiving elite night credits and other loyalty perks at some of the chain hotels and rental car companies.

While the cruise section is non-existent, the booking process for flights, hotels, and car rentals is easy and straightforward, and theme parks are now an option — which is always a plus in our book.

If you have some Citi ThankYou Points and are looking for an easy way to redeem them for some upcoming travel, the Citi Travel with Booking.com portal is just a few clicks away.

The information regarding the Citi Premier ® Card has expired and the card is no longer open to applicants. The information for the Citi Prestige ® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer. The information for the Citi ThankYou ® Preferred Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Does citi have a travel portal.

Yes, Citi has the Citi Travel with Booking.com portal which is an online travel agency (OTA) similar to Expedia and Orbitz.

Can I redeem Citi ThankYou Points for any travel?

Most travel like flights, hotels, rental cars, activities, and even some cruises can be booked via the Citi Travel with Booking.com portal using Citi ThankYou Points.

Is booking through the Citi Travel with Booking.com portal a good deal?

You can often get better value from your points by transferring them to a travel partner, but if there is no award availability or if your desired hotel or airline isn’t a partner, booking via the Citi Travel with Booking.com portal can make sense. Plus, we have found some hotels are even cheaper than booking direct.

How do I use my Citi ThankYou Points?

There are many ways to use Citi ThankYou Points, including buying gift cards, cashing them out, or redeeming them for travel (our preference). Here we will show you how to use them to book travel via the Citi Travel with Booking.com portal.

Can I book Disney World tickets with my Citi points?

No, Disney is not an available attraction, however, you can book Universal tickets with your Citi ThankYou Points.

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About Chris Hassan

Chris holds a B.S. in Hospitality and Tourism Management and managed social media for all Marriott properties in South America, making him a perfect fit for UP and its social media channels. He has a passion for making content catered toward family travelers.

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Citi launches new travel portal with booking.com, offers up to 10x points for certain credit cardholders, citi thankyou rewards card members have a new platform to shop around for the best travel options..

Citi is an advertising partner .

Citi has rolled out a brand new travel booking portal powered by Booking.com and its Rocket Travel subsidiary, making it easier for Citi credit cardholders to plan their next getaway , whether paying with cash or points.

The new Citi Travel with Booking.com portal allows cardholders to book flights , hotels, car rentals and even attractions — Kennedy Space Center or Manhattan Sky Tour, anyone? It's currently accessible via Citi's website and will be available to eligible cardholders via the Citi mobile app by the end of March.

All Citi ThankYou® Rewards credit card cardholders have access, which include those with the Citi Rewards+® Card , Citi Double Cash® Card , Citi Custom Cash® Card , Citi Premier® Card , AT&T Points Plus℠ Card From Citi and some discontinued cards. Plus, for a limited time, eligible cardholders can earn up to 10X points on their bookings.

Citi Rewards+® Card

As a special offer, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on all other purchases

Welcome bonus

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening.

Regular APR

18.74% - 28.74% variable

Balance transfer fee

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)

Foreign transaction fee

Credit needed.

Good/Excellent

See rates and fees . Terms apply.

Citi Double Cash® Card

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

Citi Custom Cash® Card

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

0% APR on balance transfers and purchases for first 15 months

5% of each balance transfer ($5 minimum)

Excellent, Good, Fair

Read our Citi Custom Cash ® Card review .

Citi Premier® Card

3X points per $1 spent at restaurants, supermarkets, gas stations, and on hotels and air travel, 1X points on all other purchases

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

21.24% - 29.24% variable

5% of each balance transfer, $5 minimum

Terms apply.

The Citi Premier is discontinued and no longer available for new applicants.

Citi Travel's features

Citi Travel with Booking.com offers cardholders an all-in-one view of flights, hotels, car rentals and attractions, including access to over 1.4 million hotels and resorts worldwide. Cardholders can pay with points, cash or some combination of the two.

Along with the launch of its new booking platform, Citi Travel is also introducing its first Hotel and Luxury Collection property offerings — following in the footsteps of other credit card issuers like American Express, Chase and Capital One who already have similar programs . The programs will offer elite-like benefits at participating properties, such as free daily breakfast, early check-in, late check-out and more.

The portal also integrates existing benefits, such as the Citi Premier Card's annual $100 hotel credit when booking a single stay of $500 or more (excluding taxes and fees) through  thankyou.com and the fourth night free perk offered by the Citi Prestige® Card (discontinued for new applicants).

Citi Travel bonus points promotion

Perhaps the most exciting part about the launch of the new Citi Travel is a new points promotion.

Now through June 2024, Citi Premier and Citi Prestige card members can earn a total of 10X ThankYou® Points on hotels, rental cars and eligible attractions booked through Citi Travel, which we consider a great deal. Meanwhile, Citi Rewards+ (through December 31, 2025) and Citi ThankYou Preferred (discontinued for new applicants) card members can earn a total of 5X ThankYou® Points on the same bookings.

Keep in mind that Citi ThankYou cards generally don't offer travel protections , such as trip cancellation and interruption insurance or car rental insurance , so if those things are important to you, consider sticking to a different travel credit card that offers these benefits.

Should you redeem ThankYou® Points through Citi Travel?

While the new Citi Travel with Booking.com platform makes it easy to directly redeem ThankYou® Points for 1 cent apiece on travel, cardholders will often still get a better deal by instead transferring their points to a travel partner. In fact, the best use of Citi points is through its ThankYou® Rewards transfer partners. Cardholders can get significantly more than 1 cent per point in value by taking advantage of Citi's 17 airline and hotel transfer partners, especially when booking premium seats.

Citi ThankYou transfer partners

• Accor Live Limitless
• Aeromexico Club Premier
• Air France-KLM Flying Blue
• Avianca LifeMiles
• Cathay Pacific Asia Miles
• Choice Privileges
• Emirates Skywards
• Etihad Guest
• Eva Air Infinity MileageLands
• JetBlue TrueBlue
• Qantas Frequent Flyer
• Qatar Airways Privilege Club
• Singapore Airlines KrisFlyer
• Thai Airways Royal Orchid Plus
• Turkish Airlines Miles & Smiles
• Virgin Atlantic Flying Club
• Wyndham Rewards

Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly.  Sign-up here .

Bottom line

Citi's new travel portal makes it easier for Citi ThankYou® Rewards card members to book a vacation by seeing where their ThankYou® Points can take them. But to really maximize their Citi points and get multiple cents in value for each point, cardholders are better off transferring their rewards to one of ThankYou® Rewards' airline or hotel partners.

Catch up on Select's in-depth coverage of  personal finance ,  tech and tools ,  wellness  and more, and follow us on  Facebook ,  Instagram  and  Twitter  to stay up to date.

Information about the Citi Prestige card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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Citi launches new travel portal with Booking.com

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Citi officially launched its brand-new travel portal this week, which Citi cardholders can use to book travel using ThankYou points, cash or a combination of both.

Citi Travel with Booking.com will replace the existing Citi ThankYou Travel Center and offers access to more than 1.4 million hotel and resort options and competitive pricing for flights, hotels, car rentals and attractions. Select Citi cardholders can also earn heightened rewards on travel portal bookings.

With the launch of its revamped travel portal, Citi joins other major credit card issuers paying special attention to travel perks, rewards and travel bookings over the past few years. To see how the portal stacks up, here’s a look at what benefits Citi Travel with Booking.com offers.

What are the benefits of Citi’s new portal?

Like other issuer portals, Citi Travel with Booking.com allows eligible Citi cardholders to earn and redeem Citi ThankYou points for booking hotels, airfare, car rentals and attractions. In recent years, credit card travel portals have trended toward incorporating travel search engine features, such as Capital One Travel’s partnership with Hopper , to elevate the booking process.

Citi ThankYou Rewards credit card holders can book travel accommodations through Citi Travel with credit cards, ThankYou points or a combination of the two. Eligible cardholders can also earn ThankYou points when booking select travel through the portal.

The ThankYou points you earn while booking through the portal (or by using your card for other purchases) can be redeemed for more travel and across 180+ partner brands, including Citi ThankYou Rewards hotel and airline transfer partners like JetBlue and Choice Hotels and retail brands like Shell and CVS.

It also offers cardmembers access to 24/7 customer support for help with the booking and travel process. While there’s not yet an option to access the portal via Citi’s mobile app, Citi says this feature will be available by the end of March.

Alongside the Citi Travel with Booking.com launch, Citi introduced two new luxury hotel programs available within the portal. The Hotel Collection and Luxury Hotel Collection feature hotels in the United States, Mexico and Caribbean for now, but Citi says the program offerings will grow throughout this year.

Citi cards that offer bonus points for bookings

The following Citi cards earn an additional 10X or 5X points on hotels, rental cars and eligible attractions booked in the portal through June 2024:

Note, the Citi Prestige and ThankYou Preferred are no longer available to new applicants, so you must be a current cardholder to access this limited-time offer.

Heighted rewards on travel portal bookings is nothing new, though it is a great deal for Citi cardholders. Select Capital One cards, for example, offer 5X to 10X points on hotels and rental cars booked through Capital One Travel, and select Chase cards earn 5X to 10X points on travel booked via Chase Ultimate Rewards.

The bottom line

The timing of Citi’s new travel portal aligns perfectly with the upcoming summer travel season. Whether you have a Citi credit card that earns ThankYou points or are planning to get one soon, the new Citi travel portal can help you get even more value from your points.

*The information about the Citi Prestige® Credit Card and Citi ThankYou® Preferred Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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Citi Strata Premier Launches as a Refresh of Its Predecessor

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On May 12, 2024, Citi launched the Citi Strata Premier Card, a revamp of its long-serving Citi Premier® Card that is no longer taking applications. The new card offers many of the same rewards and benefits, plus a few additional perks.

The Citi Strata Premier Card has a $95 annual fee, and new cardholders can earn 75,000 bonus ThankYou Points after spending $4,000 within the first three months of account opening.

Image courtesy of Citi

» MORE: Citi ThankYou points: How to earn and use them

New features of the Citi Strata Premier Card

The Citi Strata Premier Card adds new rewards spending categories, as well as travel protections:

10 ThankYou points per $1 spent on hotels, car rentals and attractions booked through the Citi Travel site.

3 ThankYou points per $1 spent at EV charging stations .

Coverage in the event of trip cancellation, interruption or delay.

Coverage if your luggage is lost or damaged.

Rental car coverage.

Beginning May 12, 2024, existing Citi Premier® Card holders will have access to these new benefits on their cards.

Perks that carry over from the Citi Premier® Card

The Citi Strata Premier Card will offer some of the same benefits the Citi Premier® Card offered, including:

3 ThankYou points per $1 spent at restaurants, supermarkets and gas stations, and on air travel and hotels.

1 ThankYou point per $1 on other purchases.

A $100 annual hotel savings benefit. Terms apply.

» MORE: NerdWallet’s best travel credit cards

The information related to the Citi Premier® Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

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A Comprehensive Guide To Checking Your Citi Prestige Travel Credit

• Last updated May 11, 2024
• Difficulty Intemediate

• Category Travel

If you're a frequent traveler and you hold a Citi Prestige credit card, it's important to know how to make the most of the travel credit that comes with it. The Citi Prestige card offers a generous travel credit, but many cardholders are often unsure of how to check and use it. In this comprehensive guide, we'll walk you through everything you need to know about checking your Citi Prestige travel credit, so you can take full advantage of this valuable perk. Whether you want to know your remaining balance or understand how to use it for various travel expenses, we've got you covered. Let's dive in and make sure you never miss out on your Citi Prestige travel credit again.

What You'll Learn

Understanding the benefits of citi prestige travel credit, steps to review and track your citi prestige travel credit, utilizing the citi mobile app for easy credit tracking, checking your citi prestige travel credit online via the citi website.

The Citi Prestige credit card offers a range of benefits for travelers, including an annual travel credit. This credit is a valuable perk that can help offset the cost of flights, hotels, and other travel expenses. However, it is important to understand how to check your Citi Prestige travel credit so that you can make the most of this benefit.

To begin, you'll need to log in to your Citi online account. Once you are logged in, navigate to the credit card section of your account. Look for the specific details of your Citi Prestige credit card, as this is where you will find information about your travel credit.

In the credit card details section, you should be able to see your available travel credit balance. This balance represents the amount of credit that you have left to use for eligible travel expenses. Keep in mind that the travel credit is an annual benefit, meaning that it resets each year. Make sure to check the expiration date of your travel credit so that you don't miss out on using it.

Additionally, it is worth noting that the Citi Prestige travel credit may have some limitations on what expenses are eligible for reimbursement. Typically, eligible expenses include flights, hotels, car rentals, cruises, and other travel-related purchases. However, certain expenses such as dining or entertainment may not be covered. It is important to review the terms and conditions of your card to understand what expenses qualify for reimbursement.

Once you have checked your available travel credit balance and reviewed the eligible expenses, you can start using your credit. Keep in mind that you will need to use your Citi Prestige credit card to make the travel purchase in order to receive the reimbursement. After you have made an eligible purchase, it may take a few days for the credit to appear on your account.

To ensure that you are maximizing your travel credit, consider planning your travel purchases around your available credit balance. By strategically using your credit, you can effectively reduce the out-of-pocket expenses of your trips.

In conclusion, the Citi Prestige travel credit is a valuable benefit for travelers. By understanding how to check your available credit balance and knowing the eligible expenses, you can make the most of this benefit. Remember to log in to your Citi online account and navigate to the credit card details section to see your available travel credit balance. Happy travels!

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If you have a Citi Prestige credit card, you may have access to a travel credit that can help offset the cost of your travel expenses. The Citi Prestige travel credit is a valuable benefit for cardholders, but it's important to know how to review and track this credit to make sure you're maximizing its value. Here are the steps to review and track your Citi Prestige travel credit:

• Log in to your Citi online account: To begin, visit the Citi website and log in to your online account. If you haven't registered for an online account, you'll need to do so before you can proceed.
• Navigate to your account summary: Once you're logged in, you'll be directed to your account summary page. This page will provide an overview of your credit card account and its various features.
• Locate the travel credit section: Look for the section on the account summary page that displays your available travel credit. It may be labeled as "Travel Credit" or something similar. This is where you'll find information about how much credit you have remaining.
• Review your travel credit details: In the travel credit section, you'll see the amount of credit you have available and any details or restrictions associated with the credit. Take a few moments to review this information so you're familiar with how much credit you have left and how you can use it.
• Track your travel credit usage: As you use your Citi Prestige card for eligible travel purchases, your travel credit balance will be automatically adjusted. To track your travel credit usage, you can review your monthly credit card statements or view your transaction history online. Look for any charges that have been applied against your travel credit balance.
• Set a reminder for the annual credit reset: The Citi Prestige travel credit resets each calendar year. This means that any unused credit will expire at the end of the year and you'll be issued a new credit for the next year. To ensure you don't miss out on using your credit, set a reminder to check your remaining balance and plan your travel expenses accordingly.
• Contact customer service if there are discrepancies: If you notice any discrepancies or issues with your travel credit balance, don't hesitate to reach out to Citi customer service for clarification and assistance. They will be able to review your account and help resolve any problems you may encounter.

By following these steps, you can easily review and track your Citi Prestige travel credit. This will help you make the most of this valuable benefit and ensure that you're taking full advantage of the credit to offset your travel expenses.

Can Pop Travel in Checked Luggage? The Complete Guide

If you have a Citi Prestige credit card, it's important to keep track of your available travel credit to make the most of its benefits. One way to easily check your Citi Prestige travel credit is through the Citi mobile app. Here's a step-by-step guide on how to do it:

• Download and login to the Citi mobile app: Make sure you have the Citi mobile app installed on your smartphone. If you don't have it yet, you can download it from the App Store or Google Play. Once installed, open the app and enter your login credentials to access your Citi Prestige credit card account.
• Navigate to your account details: After logging in, you'll be presented with an overview of your accounts. Look for your Citi Prestige credit card account and tap on it to access the card details.
• Find your available travel credit: Within the card details page, you should be able to see your available travel credit. It is usually displayed prominently along with other important account information. The travel credit might be listed as a separate item or included in the overall available credit.
• Check your travel credit usage: To get more detailed information about your travel credit usage, tap on the available travel credit amount. This will take you to a new page or menu where you can see the transactions that have been credited towards your travel credit. It will show you the date, description, and amount of the transactions.
• Track your travel credit utilization: By reviewing the transactions related to your travel credit, you can easily keep track of how much of your credit you have used and how much remains. This will help you plan your future travel expenses accordingly and ensure you make full use of the benefits provided by your Citi Prestige credit card.

In addition to checking your available travel credit, the Citi mobile app also provides a range of other useful features for managing your credit card account. You can view your current balance, recent transactions, payment history, and even set up personalized alerts for due dates and payment reminders.

By utilizing the Citi mobile app, you can conveniently stay on top of your Citi Prestige travel credit and make the most of the benefits it offers. So, download the app today and start enjoying the perks of your Citi Prestige credit card.

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If you are a Citi Prestige cardholder, it is important to keep track of your travel credit usage. The Citi Prestige card offers an annual travel credit, which can be used to offset certain travel expenses. To check your Citi Prestige travel credit online, you can follow these simple steps:

• Visit the Citi website: Start by visiting the official Citi website at www.citi.com. Make sure you have your Citi Prestige card in hand, as you will need to provide some information from it.
• Sign in to your account: Once you are on the Citi website, sign in to your account using your username and password. If you haven't registered for online access, you will need to do so before proceeding.
• Locate your Citi Prestige card: Once logged in, you should see a list of your Citi cards. Locate your Citi Prestige card in the list and click on it to access your card details.
• Check your available credit: On the card details page, you will be able to see your available credit. Look for the section that displays your travel credit balance. This will show you how much of your annual travel credit you have used and how much is still available.
• Review your recent transactions: To further track your travel credit usage, you can review your recent transactions. Look for any transactions related to travel expenses, such as airline tickets, hotel stays, or car rentals. These transactions will be categorized as eligible for the travel credit, and the amount spent will be deducted from your available credit.
• Set up alerts: To stay informed about your travel credit usage, you can set up alerts on your Citi Prestige card. These alerts can be configured to notify you when your travel credit is used or when you are nearing the limit of your travel credit.

By following these steps, you can easily check your Citi Prestige travel credit online and keep track of your usage. It is important to remember that the travel credit is only valid for eligible purchases, so make sure to review the terms and conditions of your card to understand which expenses qualify for the credit.

Understanding the Differences Between an Electronic Travel Authority and a Visa

Frequently asked questions.

To check your Citi Prestige travel credit balance, you can log in to your Citi online account and navigate to the credit card dashboard. From there, you should be able to see your available travel credit balance.

Yes, you can check your Citi Prestige travel credit balance on the Citi mobile app. Simply open the app, log in to your account, and find the credit card section where your available travel credit balance will be displayed.

Yes, you can call Citi's customer service at the number provided on the back of your Citi Prestige credit card to inquire about your travel credit balance. The customer service representative will be able to assist you and provide the necessary information.

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Citi Premier rebrands as Citi 'Strata' Premier — and changes very little else

You may have heard the rumors that the Citi Premier Card would be refreshed. Now we can confirm that those rumors are true.

As of May 12, the Citi Premier Card has been rebranded as the Citi Strata Premier Card.

Credit card changes can either be positive or negative — or a mix of both — but rarely do they evoke such a neutral response. In our opinion, the changes are lackluster and do not warrant a change of the card's name.

So, let's dive deep into what changes existing cardholders and new applicants can expect.

The information for the Citi Premier and Citi Strata Premier cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Summary of the changes

What isn't changing:

• Annual fee (staying the same at $95)
• Most bonus categories, including air travel, hotels, gas stations, supermarkets and dining
• ThankYou Rewards transfer partners
• $100 annual hotel credit
• No foreign transaction fees
• Access to Citi Entertainment
• World Elite Mastercard benefits

What is changing:

• New name and card art
• New electronic vehicle charging stations bonus category
• Ongoing Citi Travel portal bonus category
• Reintroduction of travel protections

Elevated sign-up bonus

Existing Citi Premier cardmembers will receive the enhanced benefits on the Strata Premier card effective immediately. They will receive a new card with the new Strata Premier name and card art when their current card expires.

New earning rates

The new card has two changes to its earning structure:

• New: 3 points per dollar spent at electronic vehicle charging stations
• Extended: 10 points per dollar spent on hotels, car rentals and attractions booked through the Citi Travel portal

All other bonus-earning categories are staying the same.

Earning bonus points per dollar spent on EV charging is a good addition, seeing how the card already earns 3 points per dollar spent on gas purchases.

Since the refreshed Citi Travel portal launched in March 2023, eligible cardholders (including those with the Premier) have been able to earn bonus points on hotels, car rentals and attractions booked through the portal.

This perk was slated to end June 30 but is now an ongoing benefit of the Strata Premier. While this can provide value to cardholders and boost their ThankYou Rewards points balance, there are many reasons why booking directly is usually better .

It might have been nice to see the introduction of new bonus categories like streaming services, online retail purchases or drugstores. However, this card already has strong bonus categories.

Related: How to earn over 300,000 points in one year

Reintroducing travel protections

The next set of benefits is quite interesting. Citi will introduce — or, rather, reintroduce — four new travel protection benefits for cardholders:

• Trip cancellation and interruption
• Lost or damaged luggage
• Car rental coverage

In 2019, Citi removed travel and purchase protections across several cards; the Citi Premier lost 10 travel and purchase protections.

This is where things get interesting because back then, Citi inserted the following statement in the frequently asked questions for the Citi Premier:

Citi continuously evaluates our products to ensure that associated benefits best meet the needs of our customers. As such, we will no longer offer select protection benefits on your card so we can continue providing key benefits that our customers use and value most at no additional cost. As a cardmember, you will continue to receive a range of valuable card benefits including FICO Credit Score, Citi Identity Theft Solutions, and Citi Entertainment.

This begs the question, what changed? Perhaps it was the COVID-19 pandemic, during which people who booked their travel on the Citi Premier card were not covered by changes, and customer satisfaction decreased.

Regardless, adding back benefits that were removed about five years ago is a welcome change. However, it really just brings the Strata Premier back up to the standard of many of its competitors, like the Chase Sapphire Preferred® Card .

Related: The best travel insurance policies and providers

For a limited time, new customers who apply for the Citi Strata Premier can earn 75,000 bonus ThankYou points after spending $4,000 within the first three months of account opening. Existing Premier cardholders are not eligible for the bonus on the new card.

The highest offer we've seen on the Citi Premier card is 80,000 bonus points, which was last offered in January 2023. The regular offer on the Citi Premier has been 60,000 points for a while now, so picking up 75,000 points now is a good deal.

Bottom line

The new Citi Strata Premier doesn't vary much from the Citi Premier.

Although we expected more elevated benefits or perhaps the addition of new transfer partners, maintaining existing bonus categories for the same $95 annual fee is (somewhat unexcitingly) welcome.

We are seeing one new bonus category with EV charging, an extension of bonus points on select Citi Travel bookings and the reintroduction of travel protections.

All in all, not much is changing — this card still has a strong value proposition.

We're much more interested in the Citi Prestige 's successor. This premium card stopped accepting applications in mid-2021, and it is expected that Citi will launch a "Strata Elite" card later this year, which will hopefully give the Chase Sapphire Reserve® , the Capital One Venture X Rewards Credit Card and The Platinum Card® from American Express a serious run for their money. Stay tuned.

The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Premium credit cards vs. mid-tier credit cards: Which should you get?

Credit cards are getting smarter

How banks are using huge amounts of data to separate legitimate purchases from scams

In mid-March, a scammer in California tried to buy $150 worth of Wingstop using my debit card. Aside from being impressed at the sheer size of the order, I was relieved because Citibank, which issued my card, declined the transaction on the spot and alerted me to the fraud. In minutes I was able to shut off my card, heading off any more purchases by the scammers, and order a new card. All's well that ends well.

When I went to Buenos Aires in April, I figured I might run into a similar situation . Sure, the banks say you don't have to call ahead when you travel anymore, but I assumed I'd still have some purchase flagged as potential fraud, as had happened in past trips abroad. Miraculously, everything went off without a hitch. I don't know how JPMorgan Chase knew that I would spend $200 on Botox in Argentina, but it did. (No, I didn't book my flight on the same card, and whatever, everybody gets Botox now .)

It's great that banks and credit-card companies are getting better at discerning which payments are fraudulent and which are legit. Many people have some horror story about having their credit card stolen or having their own legitimate transactions flagged as suspicious. And it's nice not to have to spend 20 minutes on the phone before a vacation explaining where you're going and when. Credit-card fraud protection is still far from perfect, but there's no denying that the technology is improving. On the flip side, it's also kind of wild to consider just how much financial institutions must know about you to make the right calls.

I was curious about how it all works — and, frankly, a little creeped out. So I reached out to some credit-card companies and academics to learn more. Why don't people have to alert their credit-card companies about travel anymore? And, more broadly, just how have banks gotten so good at figuring out what's normal about our spending habits and what isn't?

The Federal Trade Commission receives thousands of card-fraud complaints each year. The Nilson Report, which tracks the card industry, says payment-card fraud resulted in $33 billion in losses worldwide in 2022 and $13.6 billion in losses in the US. As such, credit-card issuers and banks are keen to do what they can to spot fraud. They want to keep their customers happy, and, more importantly, they want to stem their losses. In the US, the major credit-card issuers and banks generally have a zero-liability policy , which means that when a customer gets scammed, the organization, not the customer, has to eat the cost.

Years ago, whether a transaction went through was based on things like whether a physical card was present, whether you had enough money to make the purchase, and (if the cashier wanted to look) whether your signature on the receipt matched the one on the back of your card. In some cases, the cashier may have even asked for ID or called the bank to verify the funds. We've come a long way from those bad old days by using the same tools that power most innovations: data and computers. Credit-card companies and banks know a lot about us — where we shop, when we spend, and how much we're usually willing to pay for things — and they're getting better and better at turning that knowledge into action.

The models are evaluating a trillion dollars' worth of transactions a year.

While it's all the rage to talk about newfangled forms of artificial intelligence , fraud detection owes a lot to machine learning, a field within AI that's been around for years. A bunch of data gets dumped into computer systems, and algorithms figure out patterns and relationships. The algorithms create decision trees to predict the likelihood of different outcomes and identify what may be considered normal or fishy. It's not that your credit-card company knows that you, specifically, would blow a bunch of cash on A and not on B — it knows that customers with your profile are in the "likes A" camp and not the "likes B" one.

"It's looking at what's happening that is very much out of the ordinary for your general behaviors," said Tina Eide, an executive vice president of global fraud risk at American Express. "And when I talk about general behaviors, it is generalized, right? It is not down to the specific purchase or to the specific merchant." Eide added, "The models are evaluating a trillion dollars' worth of transactions a year."

The machines know more now than ever. Mike Lemberger, Visa's regional risk officer for North America, said that over the past five years the number of data points people generate with their credit cards has grown tremendously. People are increasingly using cards over cash. And they don't just have a physical card they're pulling out at the store — they've got their card credentials in their Amazon account, Netflix account, iPhone, etc. The more purchases the card issuer can analyze, the more accurate the fraud detection will be.

"Visa, we don't have consumer information — that's your financial institution that has that — but what we have is this triangulation of all these data points," Lemberger said. "We can create more and better scores, layer on top of that machine learning and AI abilities, and it becomes a much, much more powerful predictor, which we then feed into all of our partners to say, 'Hey guys, if you want to make the best decisions, here's a whole bunch of really good information.'"

Visa isn't going to block your card directly, but it'll alert your bank that your purchase looks suspicious or that fraud has been detected at the merchant you're dealing with.

This all seemed pretty simple until I talked to Yann-Aël Le Borgne and Gianluca Bontempi, a pair of researchers at the Université Libre de Bruxelles in Belgium who work on machine learning and card fraud . They emphasized the vast scale of this fraud-detection technology. Companies and their algorithms are ingesting millions of transactions and creating so many decision trees to categorize certain activities that it can defy human logic, they said. Basically, the computer may be right that your transaction looks funky even if it's made in your home city at a fairly innocuous vendor, or it may be right that the transaction is fine even though it's made in a faraway place — but when humans try to figure out what did or didn't sound the alarm, nobody will really be able to pinpoint why.

"Machines can consider many more features, and at the end of the day it's not clear if all those features have meaning for humans," Bontempi said. "Humans are used to working with two, three features, at most five features, while machines can work with hundreds of features. So there are really different levels between what a machine can do."

There are human-written rules, which are generally interpretable, and there are machine-written rules, which can be a black box. They're more accurate, but they may be harder, if not impossible, for people to reverse engineer. And banks may be using several different algorithms, making this even more complicated. Data scientists are the ultimate decision-makers, but the information they're dealing with is based on highly complex tech.

Humans are used to working with two, three features, at most five features, while machines can work with hundreds of features.

When I explained to experts my somewhat embarrassing wings-versus-wrinkles conundrum and asked what may have triggered one alert and not the other, they offered up different explanations. Eide, from American Express, said that even though I hadn't booked my trip to Argentina with the credit card I used to buy the Botox, something else had probably tipped off the system that I was there. I realized I'd also bought a package of spin classes in Buenos Aires on my phone with the same card. I had also paid for a meal in the city. Lemberger, from Visa, emphasized that it's about all the data and spending patterns and said that given my spending patterns, the Botox likely matched my profile more than the massive delivery order.

"I hate to say this to you, but at the end of the day, all these data points build personas. Just like in marketing somebody would use personas to market to you, we're using that same technology to protect you," he said. "And the fact is that we use those data points to not just secure you but the whole ecosystem."

At some point it occurred to me that the supercomputers that credit-card companies and banks are working with could know more about me than I even know or understand about myself.

"It's probable that the exact reason why a transaction caused your card to be blocked has no straightforward interpretation," Le Borgne said.

I also asked whether there was a big difference in credit-card protections and debit protections and was told not really — maybe banks will be a little more restrictive about credit because they're technically lending you money that's not limited by your actual cash balance. I also asked if companies don't worry about preclearing travel because they don't care as much about losing money to fraud anymore, to which the answer was a hard no.

"At the end of the day, somebody's got to pay for the fraudulent activity," Lemberger said. Credit-card companies will give you your money back if you're a victim of fraud, but they'll find another place to recoup that money, just as they always do .

Instinctually, I am not a technology-is-awesome person — if the AI really is going to kill us, I feel like we should unplug it. I'm not super freaked out about the privacy stuff, but I also don't love the idea that AmEx and JPMorgan and Citi have me so pegged. But it's cool that companies really are making fraud detection better, especially in a world where fraudsters themselves are constantly getting better. I don't want to be like "Yay, banks!" but maybe here the answer really is a little "Yay, banks!" At least that's the case until the next major data-privacy breach, at which point I will regret everything.

Emily Stewart is a senior correspondent at Business Insider, writing about business and the economy.

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International travelers to the US will be able to skip proof of COVID vaccine, WH says

The Biden administration will lift the COVID-19 vaccine requirement for inbound international air travelers on Friday.

"As we continue to monitor the evolving state of COVID-19 and the emergence of virus variants, we have the tools to detect and respond to the potential emergence of a variant of high consequence," President Joe Biden said in a proclamation Tuesday. "Considering the progress that we have made, and based on the latest guidance from our public health experts, I have determined that we no longer need the international air travel restrictions that I imposed in October 2021."

Biden announced the change last week , along with the end of vaccine requirements for federal employees and contractors, foreign nationals at the land border and others. The requirement for air travelers will lift at midnight Thursday as the coronavirus public health emergency ends. Biden previously  signed a bill ending the COVID national emergency  in April.

So, what does that mean for travelers? Here's what we know.

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Is there still a vaccine requirement for international travelers coming to the US?

Not as of later this week.

Currently, all "non-U.S. citizen, non-U.S. immigrants traveling to the United States by air" must show proof of vaccination with limited exceptions, according to the Centers for Disease Control and Prevention's  website .

Industry group the U.S. Travel Association, which had called on the Biden administration to  end the vaccine requirement  for inbound international visitors and argued the rule was an impediment to tourism, applauded the change when it was announced last week.

“Today’s action to lift the vaccine requirement eases a significant entry barrier for many global travelers, moving our industry and country forward," Geoff Freeman, the organization's President and CEO, said in a statement last week. He also called on the federal government to "ensure U.S. airports and other ports of entry are appropriately staffed with Customs and Border Protection officers to meet the growing demand for entry."

The U.S.  lifted a requirement  that air travelers coming from China show proof of a negative COVID test in March. The policy took effect in January amid a surge of cases in China.

The U.S.  dropped its COVID testing rule  for international flyers in June.

Do travelers need a vaccine to cross the Mexico or Canada borders to the US?

The Department of Homeland Security also said in a news release that it will no longer require non-U.S. travelers coming into the country by land or at ferry terminals to be fully vaccinated or show proof of their vaccination status.

Do US travelers need to be vaccinated against COVID to travel internationally?

That depends. Many destinations have dropped their vaccination and testing requirements for travel, though some still have rules in place. The Philippines, for example, still requires travelers to be fully vaccinated or show proof of a negative COVID test in order to visit, according to the  U.S. Embassy in the Philippines .

AI, self-service are taking over travel: Will everything become a DIY experience?

The CDC also recommends travelers be up to date on their COVID vaccinations before leaving the country. The agency defines up to date as having one updated Pfizer-BioNTech or Moderna vaccine for people age 6 and up, which "protect against both the original virus that causes COVID-19 and the Omicron variant BA.4 and BA.5," according to its  website .

Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. You can reach him at [email protected].