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CITI TRAVEL with Booking.com

Introducing citi travel℠: your first stop to your next destination.

Earn ThankYou ® Points when you pay for part, or all, of your trip with your eligible Citi Card through the Citi Travel portal. Plus, you can redeem your points towards even more adventures through the Citi Travel portal. With customizable options and booking right from your Citi Mobile ® App for eligible cardholders, the way to go is now way easier.

Earn More ThankYou ® Points on Select Bookings Through the Citi Travel portal

10x the fun with citi premier ®.

Earn a total of 10x ThankYou ® Points on hotels and car rentals when you book on the Citi Travel portal. Offer expires June 30, 2024. 1

5X the Fun with Rewards+ ®

Earn a total of 5x ThankYou ® Points on hotels and car rentals when you book on the Citi Travel portal. Offer expires December 31, 2025. 2

More Points, More Fun with Double Cash ®

Earn a total of 5 ThankYou ® Points per $1 spent on hotels and car rentals when you book on the Citi Travel portal. Offers expires December 31, 2024. 3

Offer provides 3 additional points on top of the 1 point per dollar on purchases and 1 point per dollar for payments on purchases

Earn More Points with Custom Cash ®

Earn an unlimited additional 4 ThankYou ® Points per $1 spent on hotels and car rentals when you book on the Citi Travel portal. Offers expires June 30, 2025. 4

Additional Citi Travel Portal Benefits

The citi travel portal offers perks to make your travel booking experience easier and more convenient., access to over 1.4 million hotel and resort options, competitive prices when booking flights, hotels, cars and attractions, 24/7 customer service support for your booking needs.

ThankYou ® Cards Make Every Day More Rewarding

It's easy to earn ThankYou ® Points with Citi credit cards. Find the one that helps you earn the most on your daily spending.

Citi Travel: Frequently Asked Questions

What is the citi travel portal.

Citi Travel is a travel booking portal that gives eligible Citi card members access to book flights, hotels, rental cars, and attractions at competitive prices, along with 24/7 customer support. Additionally, when you book through the Citi Travel portal using ThankYou ® rewards cards, you can earn ThankYou ® points on your travel spending which can then be redeemed to be used on your next journey.

How do I book through the Citi Travel portal?

To book through the Citi Travel portal:

• Login into your Citi Mobile App or directly into the Citi Travel portal using your Citi Online User ID and password.
• After that, search for the flights, hotels, car rentals or attractions you want to book and enter the necessary information (such as number of guests or passengers, travel dates, etc.)
• Confirm your booking and choose whether you want to pay with card, points, or a combination of these purchase options.ns.

Can I use any Citi ® card to book through Citi Travel?

All Citi ThankYou ® Rewards Credit Cards

Citi Travel℠ is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

1 Earn a total of 10 ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 11:59 PM 06/30/2024. You earn 3 ThankYou ® Points per $1 spent on the Citi Travel portal bookings. You will earn an additional 7 bonus ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 (TTY: 711) through 11:59 PM 06/30/2024. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Premier ® Card registered at the Citi Travel portal to earn the bonus points. For bookings made with a combination of points and your Citi Premier ® Card, only the portion paid with your card will earn points. Bonus points will take up to 3 billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

2 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℠ portal on cititravel.com or by calling 1-833-737-1288 and saying "Travel". Offer is valid through 11:59 PM 12/31/2025. You earn 1 ThankYou ® Point per $1 spent on the Citi Travel portal bookings. You will earn an additional 4 bonus ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 through 11:59 PM 12/31/2025. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Rewards+ ® Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your Citi Rewards+ ® Card, only the portion paid with your card will earn points. Bonus points will take up to 3 billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

3 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℠ portal on cititravel.com or by calling 1-833-737-1288 and saying "Travel". Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024. You earn 1 ThankYou Point per $1 spent on the Citi Travel portal bookings and an additional 1 ThankYou Point per $1 paid on Eligible Payments (as defined in the Citi ThankYou ® Rewards Terms and Conditions for Citi Double Cash ® Card Accounts) made to your Citi Double Cash card account. You will earn an additional 3 bonus ThankYou Points per $1 spent on hotel, car rental, and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 through 11:59 PM Eastern Time (ET) 12/31/2024. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Double Cash Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your eligible Citi Double Cash card, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

4 Earn an additional 4 Thank You Points per $1 spent on hotel, car rental, and attractions excluding air travel through the Citi Travel℠ portal or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 11:59 PM Eastern Time (ET) 6/30/2025. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Custom Cash ® Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your eligible Citi card, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

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The Guide to the Citi ThankYou Travel Portal

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Table of Contents

Who can use the Citi ThankYou travel portal?

The baseline value of citi thankyou points, how to book travel in the citi thankyou rewards travel portal, benefits of booking in the citi thankyou travel portal, what else you need to know about citi travel portal, how good is the citi travel portal.

Citi has rolled out big changes to its online travel portal that will have a sizable impact on how its credit cardholders search and book travel — whether they’re paying for a trip or redeeming points.

In March 2023, Citi launched its revamped booking platform, officially called Citi Travel with Booking.com. Certain cardholders can book everything from flights and hotels to rental cars and experiences through the portal. 

The booking website now offers some 1.4 million hotel options worldwide, including a growing list of properties in Citi’s two new hotel portfolios: the Hotel Collection and Luxury Collection. Bookings in these collections come with special perks such as property credit, free breakfast and more.

The changes give members more options to use Citi ThankYou points. In addition to redeeming ThankYou points for travel, members can also redeem points for cash back or transfer them to airline or hotel partners. In fact, members sometimes extract a higher value from their points by transferring them.

However, applying them toward travel in the Citi’s online travel portal can be a compelling option, particularly given some of the perks available at the platform’s two hotel collections and the current promotion: Now through Dec. 31, 2025, Citi Rewards+® Card cardholders can earn a total of 5x ThankYou Points on hotel, car rentals and attractions booked on CitiTravel.com through Dec. 31, 2025.

In this guide, we’ll go over which cards that members can use the Citi ThankYou travel portal, what the points are worth and when redeeming points through the Citi Travel portal can make sense.

Most cards that earn Citi ThankYou Points offer members access to the Citi Travel portal, including:

AT&T Access Card from Citi (not open to new applications).

AT&T Access More Card from Citi (not open to new applications).

Citi Custom Cash® Card .

Citi Premier® Card .

Citi Prestige® Card (not open to new applications).

Citi Rewards+® Card .

Citi Double Cash® Card .

The portal offers cardholders perks like same-day booking opportunities, a 24-hour cancellation window for full refunds and flexible payment options.

Cardholders can redeem Citi ThankYou points between 1 cent to 1.25 cents through the Citi Travel portal or when redeemed for cash back. So, 1 cent per point should be your baseline redemption rate when deciding whether you should transfer points to one of Citi's airline or hotel partners .

If the booking you are considering gives you less than a 1-cent-per-point redemption rate, consider getting cash back instead. Then, pay for that same booking in cash. This may be more optimal than redeeming your ThankYou points at a lower rate.

» Learn more: Plan your next redemption with our credit card points tool

1. Log into your Citi account

One of the benefits of Citi’s new travel portal is that you can book a trip and manage your credit card account with just a single login. Eligible ThankYou members can access the new travel portal directly .

You can redeem Citi ThankYou Points at a rate of 1 cent to 1.25 cents toward the following travel purchases: flights, hotel rooms, car rentals and activities. The Citi Travel portal is powered by Booking.com and Rocket Travel by Agoda, and works like the online travel agencies you’ve likely used before.

» Learn more: How to earn miles through online travel agencies

2. Search your travel dates and destinations

Let’s say you want to book a flight. Select the “Flights” tab and begin your search. Select your trip type (round trip, one way or multicity), and enter the number of passengers and preferred class of service. Input your departure and destination cities and travel dates. Check the nonstop box if necessary and select “Search.”

Review your flight options on the following page. To further filter the search results, you can sort by price, travel duration, as well as departure and arrival time. You can also filter results by the number of stops and operating airlines.

3. Choose to pay with cash, points or a combination of both

Once you select the fare, you’ll have the option to select a payment method: using ThankYou Points or a Citi credit card. If you choose to redeem points, you can either pay in full or redeem for a partial payment.

Here’s an example of a flight booking through the portal: a flight from Salt Lake City to Denver aboard Delta Air Lines. You can see, it’s available for $113.90 or 11,390 ThankYou points — a 1 cent-per-point rate.

You can also type in the number of points you want to apply toward the cost of the flight, select “Apply” and pay attention to the payment summary. If the points cover only part of the fare, use your credit card to pay the remaining amount. Then, enter passenger information and complete your booking.

Follow the same process online to make reservations for hotel rooms, car rentals and activities. 

» Learn more: The best travel credit cards you might not have

Historically, transferring ThankYou points to one of Citi’s partners, like airlines or hotel loyalty programs, sometimes results in a higher value for your rewards (in that they are likely to be worth more than 1 cent apiece). In a recent NerdWallet analysis , we value Citi ThankYou points between 1 cent to 1.3 cents per point. However, there are a few reasons you might consider booking travel through the ThankYou Travel portal instead.

Book flights on the dates you want

Let’s get real for a moment: Award travel is great when everything goes according to plan. But what if you want to travel on specific dates and can’t find available seats using miles with a specific airline? In that case, you have to be flexible and pick less convenient travel dates or times.

You can reserve any open seat on a plane by booking your flight through the Citi ThankYou Rewards travel portal because there are no blackout dates.

You might use slightly more points at a fixed redemption rate of 1 cent to 1.25 cents per point, but at least you can fly on your preferred dates. This option works best with inexpensive economy flights.

Book non-chain hotels with points

When you participate in hotel loyalty programs , you end up staying at chains. But what if you want to book that bewitching beachfront bed-and-breakfast and still take advantage of credit card rewards? Well, the good news is if it shows up in the portal search results, you can redeem points to reserve it.

In the Citi Travel portal, hotel reward bookings aren’t limited to chain hotels, which means you can book all kinds of properties outside of popular brands. This benefit is all the more noteworthy now that Citi has bolstered its property offerings through its Booking.com partnership.

Keep money in your pocket

If you’ve amassed a large collection of Citi ThankYou points, you might have more points than you know what to do with. And now that you’re ready to book a trip, you want to make use of your points instead of spending cash — essentially avoiding paying out of pocket for the same expense.

Though you’ll get a redemption rate of 1 cent to 1.25 cents per point, your trip will be paid for entirely with points. This can be a smart money move for the right situation.

Citi Hotel Collection and Luxury Collection 

Perhaps the most significant change unveiled as part of the revamped Citi Travel with Booking.com portal is the addition of two hotel portfolios, at which eligible cardholders can enjoy added perks, not to mention, savings in some cases.

Citi is in the process of rolling out its new Hotel Collection and Luxury Collection — both bookable through its new platform. This may sound like a familiar concept. It’s similar to what other major credit card companies have offered through their travel portals, such as American Express Travel’s Hotel Collection and Fine Hotels and Resorts. 

Citi’s Hotel Collection is available to all eligible ThankYou credit cardmembers. Guests who book one of these properties will enjoy a host of perks, including free breakfast for two, complimentary Wi-Fi and early check-in and late checkout (when available).

Here’s one property in San Francisco — the Argonaut Hotel, not far from Fisherman’s Wharf — available as part of the Hotel Collection. As you can see, the listing explicitly mentions late checkout and free premium Wi-Fi as a perk for this booking.

Meanwhile, the higher-end Luxury Collection portfolio is available only for ThankYou members who carry the Citi Prestige® Card or Citi Premier® Card . On top of the same perks offered as part of the Hotel Collection, eligible members who book one of these properties will also enjoy room upgrades (when available) and a $100 experience credit, which can be used for on-property purchases ranging from food and beverages to spa treatments, depending on the hotel.

Citi’s initial rollout of the Hotel Collection and Luxury Collection is confined to the U.S., Mexico and the Caribbean, but the company plans to expand the two portfolios to new destinations around the world over the next year.

Complimentary fourth night on certain hotel bookings

Both the Citi Prestige® Card and Citi Premier® Card offer a fourth night free on eligible bookings, twice per year. One of the best ways to maximize use of Citi’s travel portal is to combine this card benefit with the perks offered as part of the Hotel and Luxury Collections.

To use this benefit, filter your hotel search results in the portal to display hotels designated as “Complimentary 4th Night Eligible.” Book at least four nights and look closely at checkout to confirm that the system applied the savings. 

Bonus points for bookings

Extra points are certainly a way to sweeten any deal when it comes to booking, and Citi is offering a hefty promotion in concert with the new portal.

Between now and June 30, 2024, the Citi Prestige® Card and Citi Premier® Card members can earn a total of 10 points per dollar when booking hotels, rental cars or eligible attractions through Citi Travel.

Citi ThankYou® Preferred Card and Citi Rewards+® Card members can earn a total of 5 points per dollar on those bookings.

Earn airline miles

Similar to other credit card travel portals like American Express or Chase, Citi members earn airline miles even when booking through the portal. Just add your airline frequent flyer number to the reservation.

On the other hand, a notable downside of Citi’s new portal is that, at least for now, members cannot add their hotel loyalty numbers. So, for instance, if you book a stay at a Hilton property through Citi Travel, you would earn ThankYou points for the purchase, but not Hilton Honors points for the stay.

The Citi Travel with Booking.com portal includes 24/7 customer service, which can assist with reservation and rebooking needs.

Members with existing travel booked through the old ThankYou Travel Center (prior to March 19, 2023) can access their reservation at ThankYou.com. Select “Travel” and then “My trips."

Despite improvements as part of the revamped Citi Travel portal, it likely won’t appeal to points and miles enthusiasts whose main objective is to maximize value.

However, for others who simply want to use their ThankYou points, it offers plenty of options. And there are certain situations where booking through Citi Travel can be even more beneficial than transferring points, particularly as the company continues to expand the Hotel Collection and Luxury Collection. 

The opportunity for certain cardmembers to earn up to 5 or 10 points per dollar on purchases through the portal doesn’t hurt, either. Plus, using the portal can help you travel on dates with limited award availability and expand your lodging selection. 

Although the value of your rewards won’t always reach its ceiling, you’ll keep money in your pocket by using ThankYou points for travel.

The information related to the AT&T Access More Card from Citi and Citi Prestige® Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Citi cardholders: Save $100 on hotel bookings with this offer

If you're a Citi cardholder who's ready to book holiday travel or pick out dream destinations for 2024, you're in luck. With Citi's current travel portal offers, you might be able to save money and earn bonus rewards on your travel bookings.

Let's dive into who's eligible and how much you can save.

Current Citi Travel deals for select cardholders

Now through Jan. 31, 2024, eligible Citi cardmembers can enjoy $100 off all hotel stays of $500 or more (excluding taxes and fees) when they book through Citi Travel .

The following cards are eligible for this offer:

• Citi Custom Cash® Card (see rates and fees )
• Citi Double Cash® Card (see rates and fees )
• Citi Rewards+® Card (see rates and fees )
• Citi ThankYou Preferred (no longer available to new applicants)

This is a similar offer to the annual $100 hotel credit Citi Premier® (see rates and fees ) cardholders receive. However, those eligible for this offer can take advantage of it as many times as they want to during the promotional period.

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

Even better, the $100 hotel savings can be used alongside two other current Citi Travel promotions:

• Through Dec. 31, 2024, Citi Double Cash cardholders earn 5% cash back on hotel, car rental and attractions booked through Citi Travel. That's 3% more than the typical 2% Double Cash cardholders earn (1% on all purchases and 1% as they pay).
• Through December 31, 2025, Rewards+ cardholders earn an elevated 5 points per dollar when they book hotels, rental cars and attractions through Citi Travel.

However, remember that there are drawbacks to booking through a travel portal , such as forfeiting hotel status benefits. Before booking your trip, run the numbers to ensure you get a good deal.

Related: You might only save $7 with the Citi Premier $100 hotel credit

Bottom line

If you have a Citi credit card eligible for one or more of these current promotions, you could save some serious cash and earn bonus rewards on your travels when you book through Citi Travel this holiday season.

Just check the deals you have through Citi Travel against those available through other booking methods to ensure you get the best bang for your buck.

Why the Citi Custom Cash could be great for travel

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Key takeaways

• The Citi Custom Cash® Card offers automatic cash back rewards on your top spending category each billing cycle, with one category being travel.
• Further, you can earn a generous welcome bonus for use toward travel purchases through Citi’s portal.
• If you have a costly trip coming up, you can also take advantage of the card’s introductory APR on both purchases and balance transfers.

While the Citi Custom Cash® Card is marketed as a higher-earning cash back card, there are quite a few reasons frequent travelers also sign up.

The card’s popularity with travelers is partly due to the type of rewards the card earns, which can be used within the Citi ThankYou program. Meanwhile, the earning rate on the Citi Custom Cash can be very competitive compared to other travel credit cards . This is especially true given the Citi Custom Cash’s lack of an annual fee .

Read on to learn the why the Citi Custom Cash is great for travel and how everyday cardholders can use this card to level up their rewards game.

Rewards rate that highly favors travel purchases

The Citi Custom Cash is unique because it offers 5 percent back on up to $500 spent in your top earning category each billing period (then 1 percent back), as well as 1 percent back on all other purchases. Ultimately, this means you’ll get a whopping 5 percent back in whatever category you spend the most in, provided it falls within an “eligible” spending category.

Fortunately, maximizing a Citi Custom Cash travel category is easy since a range of purchases can count. In the travel category specifically, eligible spending for the top earning rate includes purchases made with airlines, hotels, cruise lines, car rental companies, trains, subways, parking garages and taxis.

If you max out the $500 in bonus spending on travel purchases each billing period, you can earn $300 in rewards on this front alone each year.

Generous welcome bonus

In addition to up to 5 percent back on various bonus categories, including travel, this card’s welcome bonus is another great way to save on travel. This bonus gives you 20,000 ThankYou points — worth $200 in cash back — after spending $1,500 on purchases in the first six months.

Not only is the spending requirement extremely reasonable for the time allotted, but, like your rewards, it’s also in the form of Citi ThankYou points.

However, all of Citi’s no-annual-fee cards (including the Custom Cash card) earn “basic” ThankYou points , which cannot be transferred to travel partners for a potentially higher value. However, further below, we’ll cover how you can get around this restriction with a card-combining strategy .

Easy redemptions for travel and other purchases

If you only plan to carry the Citi Custom Cash, you can keep things simple and redeem your rewards for direct deposit, a check or statement credit . This gives you the chance to redeem rewards to cover travel purchases made with your card, including things like airfare, hotel stays or even vacation packages.

However, you can also use your rewards to book travel through Citi’s travel portal. This lets you use your points to book certain types of travel directly, which can include flights, hotel stays and cruises, to name a few options.

Other options include redeeming your points for gift cards, eligible purchases on Amazon, merchandise and some Citi loan products. These options can come in handy when you aren’t traveling as much and simply don’t have a need to cover your travel spend with card statements or deposits from your rewards.

Option to pool points for advanced travel redemptions

With another Citi credit card that earns standard ThankYou points in your wallet (rather than “basic” points), you can even transfer your rewards to Citi travel partners .

An example of a card you can pair with is the Citi Premier® Card , which is currently offering 60,000 points to new cardholders who spend at least $4,000 on purchases within three months of account opening.

Citi travel partners are wide and varied, and they often let you extract even more value from your rewards. Most partners let you transfer points at a 1:1 ratio as well, with the exception of programs like Choice Privileges and Sears Shop Your Way.

Pay off a big trip without any interest (for a limited time)

Rewards aside, Citi Custom Cash travel benefits can help you pay down vacation costs, if you use it responsibly. Let’s say you have a big vacation to plan , and you don’t have quite enough cash to make it happen. In this case, the Citi Custom Cash can help you earn rewards while giving you the chance to pay off your balance interest-free for a limited time.

Specifically, the Citi Custom Cash offers a 0 percent intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 19.24 percent to 29.24 percent. Just keep in mind that you’ll need to pay off the full balance on your card before the intro period is over. Otherwise, you’ll pay off any remaining balances at the card’s high regular variable rate.

The bottom line

The Citi Custom Cash might not seem like the most exciting rewards credit card around, but it can be pretty useful if you want the chance to earn travel rewards with a cash back credit card . Plus, you can pair this card with a travel credit card from Citi to unlock a range of advanced travel redemptions.

If you’re just beginning to seek out award travel , you’ll also be happy to know this card doesn’t charge an annual fee. This means you can keep it for the long haul whether you’re traveling often or not, and you’ll never have to justify its cost based on how much rewards value you earn and redeem.

These are just some of the reasons the Citi Custom Cash can be worth it for frequent flyers and travelers who love to book weekend getaways closer to home. Read more about the card and available Citi Custom Cash benefits before you decide for yourself.

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• What are the Costco Visa travel benefits

What are the Travel Benefits of the Costco Anywhere Visa® Card by Citi?

Exclusively for Costco members, the Costco Anywhere Visa Card by Citi offers cash back on all purchases and additional cash back on categories such as eligible gas and EV charging, restaurants and eligible travel and purchases from Costco and Costco.com. Cardholders also enjoy access to Citi Entertainment ® .

These benefits and more can make the Costco Anywhere Visa a great card for travel. Let’s look at how it works.

Cash back rewards on travel

Cardholders earn unlimited 3% cash back at restaurants and eligible travel purchases. This can include airfare, hotel stays, car rentals, travel agencies, cruises and Costco travel.

Cardholders can also make the most of road trips and vacation car rentals with 4% cash back on eligible gas and EV charging transactions for the first $7,000 every year. After the first $7,000, cardholders continue to earn 1% cash back in these categories.

Other travel benefits

Cardholders can also get access to services and benefits like:

• Travel and emergency assistance
• Worldwide car rental insurance
• Travel accident insurance
• Roadside assistance dispatch service
• Zero foreign transaction fees 1

Terms, conditions and exclusions apply, please see here for more information.

These services and benefits help take the stress out of travel so you can enjoy a worry-free, relaxing vacation.

Access to Citi Entertainment

Citi Entertainment opens the door to popular experiences, such as concerts, sporting events and dining.

With the Costco Anywhere Visa Card by Citi, cardmembers can get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for some of the most anticipated concerts, sporting events and dining experiences.

Whether you want to attend a local event while on vacation or plan a trip around a concert, your Costco Anywhere Visa® Card by Citi can enhance your travel with special entertainment experiences.

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Disclosure : This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.

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Personal Finance

Best citi credit cards of 2024.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

Citi is one of a handful of credit card issuers in the U.S. offering multiple credit cards to fit just about any lifestyle. This is a good thing, but it makes choosing the best Citi credit card for your situation a challenge. We’ve sifted the options so you don’t have to. Below are seven top Citi credit cards that should satisfy a variety of different types of cardholders.

Best Citi credit cards: Summary

Best for balance transfers: card_name, best for rewards: citi premier® card, best for cash back: citi custom cash® card, best for travel: card_name, best for students: citi double cash® card, best for building credit: citi® secured mastercard® credit card, best for wholesale club shoppers: card_name, our recommendations, citi® diamond preferred® card.

The card_name offers balance_transfer_intro_apr,balance_transfer_intro_duration and intro_apr_rate,intro_apr_duration . This is one of the largest 0% intro annual percentage rate (APR) windows of any credit card on the market , making it a top choice for those looking for an extended respite from the high interest charged by other credit cards. A balance_transfer_duration_months breather will help you pay off your balances faster, potentially saving you thousands of dollars, depending on the amount of debt you have.

Unfortunately, the card doesn’t come with any other notable benefits. It also doesn’t earn any rewards for your spending. Still, with annual_fees annual fee, it’s worth keeping year after year simply to bolster your length of credit history (which accounts for 15% of your overall FICO credit score ). Just make sure to use it once every six months or so to avoid closure due to inactivity.

Citi Premier® Card

(Rates & Fees)

The Citi Premier® Card earns flexible rewards, called “ Citi ThankYou points ,” which can be redeemed for cash or transferred to airline and hotel loyalty programs for free travel. The card also offers one of the all-around best collections of bonus categories.

You’ll earn three points per dollar with restaurants, supermarkets, gas stations, hotels, and air travel (and one point per dollar for everything else).This easily covers the majority of spending for many budgets. Also note that the card is currently offering 10 points per dollar for hotels, rental cars, and attractions booked through the Citi Travel Portal through June 30, 2024.

The card incurs a $95 annual fee, which will eat into your yearly profit from swiping. Nevertheless, the value in travel that you can squeeze from the card’s points can be well worth it.

Citi Custom Cash® Card

The Citi Custom Cash® Card takes all the brainpower out of maximizing your cash back credit card . It tracks your spending for you, identifies the eligible bonus category you’ve used the most each billing cycle, and awards you 5% cash back for those purchases (up to $500 per month, then 1%). Eligible categories include grocery stores, restaurants, gas stations, drugstores, live entertainment, home improvement stores, fitness clubs, and select streaming services, travel, and transit.

What’s more, it’s one of the few rewards credit cards that approve those with “fair" credit (defined by FICO as credit scores between 580 and 669).

Citi® / AAdvantage® Executive World Elite Mastercard®

American Airlines flyers will appreciate the lengthy travel benefits of the card_name . It comes with the first checked bag free for you and up to eight companions on the same domestic travel reservation; priority boarding, check-in, and screening; and American Airlines Admirals Club airport lounge membership (with Admirals Club access for authorized users). These perks can make your travel experience much more enjoyable.

Here’s the caveat: You’ll pay a annual_fees annual fee for the privilege of holding the card. This is higher than the average credit card fee, but when you consider that a yearly Admirals Club membership costs up to $850, the card’s value is clear. In short, if you’d otherwise purchase an Admirals Club membership, this card is a no-brainer.

Citi Double Cash® Card

‌ Citi Double Cash® Card is one of the best credit cards for everyday spending. It earns 2% on all purchases (1% back when you make a purchase and 1% back when you pay off that purchase). The ability to receive a minimum of 2% back is excellent, particularly for those with sporadic spending habits that don’t often fall into common credit card bonus categories.

This is another rewards credit card open to people with “fair" credit. If you’re a student—or non-student—with a credit score that still needs some work, the Citi Double Cash® Card could be a good fit.

Citi® Secured Mastercard® Credit Card

Whether you have a messy credit history or none at all, the Citi® Secured Mastercard® Credit Card is a good way to build your credit profile. It’s a secured credit card , which means that you’ll have to submit a refundable security deposit to Citi (between $200 and $2,500) before you can open one. Your credit line will equal the amount of money you choose to submit.

The card doesn’t earn rewards for your spending or offer any benefits with real value. Still, if you need to build your credit, this card is worth a look. After exhibiting responsible payment habits, your credit score should improve , and then you should be able to open a more lucrative card.

Costco Anywhere Visa® Card by Citi

Despite its name, card_name is useful for far more than just Costco purchases. Most notably you’ll earn 4% cash back on eligible gas and electric vehicle charging stations (for up to $7,000 in purchases per calendar year, then 1%). You’ll also receive 3% cash back on restaurants and eligible travel, including Costco Travel. You’ll receive 2% back with Costco online and in the store and 1% back for everything else.

The card comes with two annoying restrictions.. First, only Costco members can open one. Second, you can only redeem your rewards once per year (specifically, in February) for either a lump sum of cash or merchandise at U.S. Costco warehouses.

Best Citi credit cards compared

Methodology.

When selecting the best Citi credit cards, we examined characteristics such as return rate, welcome bonus, intro APR, and accessibility. We considered several different lifestyle situations, such as students, travelers, and those new to credit, to distill Citi’s large list of cards down to the most valuable options.

How to choose the best Citi card for your needs

Determine your eligibility.

The first step you should take before researching Citi credit cards is to check your credit score. Many Citi credit cards require that you have “good” credit to qualify, while a select few accept applicants with “fair” credit or a limited credit history. If your score hampers your eligibility, it’s good to know early.

Find bonus categories that complement your spending

Citi credit cards come with a wide variety of bonus categories; others provide a flat return rate for all spending. Still others trade the ability to earn rewards for a low APR offer.

If you’re looking for a rewards credit card, find one that best compensates you for your everyday spending. For example, if you regularly travel by car, you’ll likely want a credit card that offers bonus rewards for gas station and restaurant spending.

Weigh ongoing benefits with annual fees

If a Citi credit card charges an annual fee, don’t get it unless it provides more value to you than you’re paying each year. Any credit card that doesn’t save you more than its price tag is not cost effective.

Choose rewards that fit your goals

Credit card rewards typically fall into two categories: cash back and travel rewards. If you’ve got travel aspirations, stick to Citi credit cards that earn airline miles or transferable points. If you simply want a rebate for your everyday spending, go for a cash back credit card.

Alternatives to Citi credit cards

More about Citi credit cards

How to apply for a Citi credit card

Applying for a Citi credit card is no different than applying for any other card. You must provide personal details such as your address, income, and Social Security number. You also may need to input your housing situation and debts.

Citi often approves or declines applications immediately. However, if it needs to verify information, the process may take several days.

What are the interest rates on Citi credit cards?

Citi credit cards tend to offer variable interest rates somewhere between 18% and 30%. This is a common range across all card issuers. However, Citi is notable for its 0% intro APR offers, providing multiple credit cards with up to 21 interest-free months.

What credit limit can I get with a Citi credit card?

The credit limit you receive from a Citi credit card is entirely dependent on your credit profile. You may receive as little as $500 if your credit score isn’t exceedingly high, while data points suggest that it’s possible that the most creditworthy applicants can receive as high as $50,000 or more.

Citi ThankYou Points

Citi’s proprietary rewards currency is called “Citi ThankYou Points.” Many Citi credit cards collect ThankYou Points, even those that are marketed as cash back cards.

Again, you can redeem Citi ThankYou Points for either cash back, at a rate of one cent per point, or airline miles and hotel points, which can bring a much higher return. Cards with no annual fee that earn points can transfer them to the following partners at varying ratios:

• Choice Privileges (2 to 3)
• JetBlue (5 to 4)
• Wyndham (5 to 4)

However, if you hold the Citi Premier card, you can transfer your rewards to a much healthier list of travel partners:

• AeroMexico (1 to 1).
• Flying Blue (Air France and KLM) (1 to 1).
• Accor (2 to 1).
• Avianca (1 to 1).
• Cathay Pacific (1 to 1).
• Choice Privileges (1 to 2).
• Emirates (1 to 1).
• Etihad (1 to 1).
• EVA Air (1 to 1)
• JetBlue ((1 to 1).
• Leading Hotels of the World (one to two).
• Qantas (1 to 1).
• Qatar (1 to 1).
• Singapore Airlines (1 to 1)
• Thai Air (1 to 1).
• Turkish Airlines (1 to 1).
• Wyndham (1 to 1).
• Virgin Atlantic (1 to 1).

Does Citi have a preapproval process for its credit cards?

Many banks provide the ability to check a specific credit card to see if you prequalify. Citi is one of the few major issuers that doesn’t offer this feature. However, you may receive targeted flyers in the mail suggesting that you’ve been preapproved for a specific credit card. This is because Citi periodically checks for you and sends you offers for which it thinks you’ve got a good shot at approval.

Can you combine points on Citi credit cards?

You can combine points If you have two or more of the following Citi credit cards:

• Citi Premier.
• Citi Double Cash.
• Citi Custom Cash.
• Citi Rewards+®.
• CIti AT&T Points Plus®.

In fact, by transferring any of these points to the Citi Premier card, you can then turn the rewards you have earned with any of these cards into airline miles and hotel points.

What to do if my application is denied

If your Citi application is denied, you can reach out to Citi’s reconsideration line at (800) 695-5171. These agents may be able to explain the reason for the declined application. In some cases you may be able to alleviate any concerns with a quick explanation. Citi may decline your application for many reasons and calling the reconsideration line is far from a surefire approval tactic, but it certainly doesn’t hurt to try.

TIME Stamp: Citi credit cards offer top options for most financial situations

Whether you’re interested in free airfare and hotel stays, cash back, or a 0% intro APR, Citi issues a credit card that’s up your alley. And most of its credit cards incur no annual fee, so you can keep them year after year without paying for membership.

Frequently asked questions (FAQs)

What is the easiest citi card to qualify for.

The easiest Citi credit card to qualify for is the Citi Secured Mastercard. This is because it’s a secured card, which demands a refundable security deposit upon account opening. The card is meant for those with bad credit or a limited credit history.

Which Citi card should you get first?

If you’re just beginning your credit journey, you should open the Citi Secured Mastercard first, because you don’t need a credit history for approval. If your credit is more established, the Citi Double Cash is a popular choice.

Are Citi cards hard to get?

Citi cards are no harder to get than those issued by other banks. In fact, two of Citi’s best credit cards—the Citi Double Cash and Citi Custom Cash—approve applicants with “fair” credit (FICO credit scores between 580 and 669), which is below average.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

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Credit Cards

How to use the Citi trifecta to maximize your rewards

Allie Johnson

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Updated 11:04 a.m. UTC April 1, 2024

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Citi is a Blueprint partner.

Good things come in threes: movie trilogies, the Triple Crown, three wishes from a genie — and this maxim even applies to credit card rewards. You can combine the best of three cards from the same issuer to maximize your earnings and amass rewards at a faster rate. Such is the case with the Citi trifecta.

The Citi trifecta involves using three Citi credit cards — but not just any three cards. By using cards with complementary earning structures and benefits, you can maximize your earnings while paying less than $100 total in annual fees. With this strategy, you’ll earn at least 2% cash back on all purchases and get access to the full range of redemption options from Citi.

Here’s how the Citi trifecta works, and why it may be your best strategy for earning lots of cash back or Citi ThankYou® Points at a quick pace.

What is the Citi trifecta?

The Citi trifecta involves three Citi credit cards — the Citi Premier® Card * The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , the Citi Custom Cash® Card and the Citi Double Cash® Card — all working together as a team. With these three cards in your wallet, you can use the right one for each purchase to maximize your earnings and enjoy the broadest range of Citi’s credit card benefits. Even better, you can pool all your earnings in the form of ThankYou Points and access all Citi options for the best redemption value.

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Citi Double Cash® Card

Welcome Bonus

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.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• No annual fees.
• Introductory APR period on balance transfers.
• Excellent cash-back rewards.
• Charges foreign transaction fees.
• There’s a balance transfer fee.
• Few additional benefits.

Card Details

• 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.
• 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.
• 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).

How does the Citi trifecta work?

The Citi trifecta works by combining the best elements of each card: the adapting nature of the Citi Custom Cash, the everyday earning power of the Citi Double Cash and the premium perks of the Citi Premier Card. These include access to a litany of points transfer partners, solid categories for triple points and additional cardholder protections.

Let’s look at each card in turn to see what it brings to the trifecta. 

Citi Double Cash

This is the easiest card of the bunch to understand. It has no annual fee, and you’ll earn 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. Even though it’s marketed as a cash-back card, you’ll actually earn ThankYou Points; you can redeem these as cash back or gift cards at 1 cent each, book travel in Citi’s portal or access three transfer partners: Choice Privileges, JetBlue TrueBlue or Wyndham Rewards. However, these transfers happen at poorer rates than with the Citi Premier, which is why that card can unlock more options.

Citi Custom Cash

With the Citi Custom Cash, you’ll also pay no annual fee and will earn 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 spent each month and 1% cash back on all other purchases. 

Eligible bonus categories you’ll want to consider for this card include select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment. There are other categories, but you should focus your spending for this card on categories not covered by the Citi Premier to ensure maximum earnings. And like the Double Cash, this card actually earns ThankYou Points.

Citi Premier

The Citi Premier is the only card in the trifecta with an annual fee, which is $95. It’s also the only one that doesn’t charge foreign transaction fees, so this is the card to use for all purchases outside the U.S. With the Citi Premier, you’ll earn 3 ThankYou® points per $1 at restaurants, supermarkets, gas stations, air travel and hotels and 1 point per $1 on all other purchases. Plus, through June 30, 2024, earn 10 ThankYou points per $1 spent on hotels, car rentals and attractions booked on the Citi Travel portal.

Intrigued by the high points potential on bookings made with Citi? Here’s everything you need to know about Citi’s ThankYou portal .

The Citi Premier also offers many other perks. You’ll get $100 off a single hotel booking of $500 or more (excluding taxes and fees) once per calendar year through thankyou.com, plus two valuable safeguards: extended warranty and purchase protection.

Lastly, there are the redemption benefits. The Citi Premier Card will provide access to all 19 of Citi’s transfer partners. Moreover, you get a 1-to-1 transfer ratio for most programs — better than the 10-to-8 ratio available with the Double Cash’s three partners.

How to maximize your rewards with the Citi trifecta

To maximize your rewards, use the Citi Premier for all international spending and also use it to buy expensive items that may need extended warranty or purchase protection coverage.

Beyond these considerations, use each card as follows:

• Citi Premier: Air travel, hotels, Citi Travel bookings, restaurants, gas stations and supermarkets.
• Citi Custom Cash: The category you’ll spend the most in during that billing cycle, out of these options: select transit, select streaming services, drugstores, home improvement stores, fitness clubs or live entertainment. 
• Citi Double Cash: All remaining purchases that won’t qualify for the elevated rewards rates on the other cards.

Employing this strategy, you’ll earn a minimum of 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24, thanks to the Double Cash. With the Citi Premier, you’ll earn 3 ThankYou® points per $1 at restaurants, supermarkets, gas stations, air travel and hotels and 1 point per $1 on all other purchases. Plus, through June 30, 2024, earn 10 ThankYou points per $1 spent on hotels, car rentals and attractions booked on the Citi Travel portal. Lastly, you’ll earn 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 spent each month and 1% cash back on all other purchases with the Citi Custom Cash.

And you can connect all of these accounts to pool your earnings for potentially better redemption value than just the 1 cent per point that you’d get with statement credits or gift cards. That’s because, by combining your points, you can access all travel partners and their boosted redemption potential. 

Ready to add a new Citi card to your wallet? Read our guide on how to pre-qualify for a Citi credit card .

What are the benefits of having multiple Citi cards?

There can be downsides to the Citi trifecta, which we shouldn’t overlook. Balancing multiple credit cards requires more organization and effort than just having one card that earns a decent rate, such as the Double Cash Card. Additionally, applying for multiple credit cards leads to multiple hard inquiries on your credit report, which can have a slight negative effect on your credit for about a year. Lastly, having more credit cards can lead to increased capacity to overspend if you have the tendency to do so.

However, there are benefits for those who use credit responsibly. We’ve already highlighted the increased rewards earning capacity, and you also can gain welcome bonuses on all three cards. Lastly, having more cards can actually help your credit in the long run, assuming you pay your bills in full and on time. That’s because you will have more available credit and more accounts reflecting positive behavior on your credit report. This can lower your utilization rate and boost your credit score .

How many credit cards should I have? Consider these elements to help you decide.

Citi trifecta vs. Amex trifecta vs. Chase trifecta: Is one better than the other?

It’s possible to employ the trifecta strategy with American Express and Chase as well. Here’s an overview of how you could earn with these other rewards programs.

The Amex trifecta

With the Amex trifecta , you’ll use these three cards: The Platinum Card® from American Express (terms apply, rates & fees , $695 annual fee), the American Express® Gold Card (terms apply, rates & fees , $250 annual fee) and The Blue Business® Plus Credit Card from American Express * The information for the The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply, $0 annual fee). You’ll pay far more in annual fees with this strategy than the Citi trifecta, however: a total of $945 versus $95. You’ll also need to qualify for a small business card.

All information about The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint.

With the Amex trifecta, you can earn Membership Rewards® points as follows:

• Use the Amex Platinum Card to earn 5 Membership Rewards® points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases.
• Use the Amex Gold Card to earn 4 Membership Rewards points per $1 at restaurants, plus takeout and delivery in the U.S., 4 points per $1 at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point), 3 points per $1 on flights booked directly with airlines or through American Express travel and 1 point per $1 on other eligible purchases.
• Use the Blue Business Plus to earn 2 Membership Rewards points per $1 on everyday business purchases up to the first $50,000 spent per year, then 1 point per $1 on all other purchases. 

You’ll notice that all of these elevated earning rates have annual maximums. Thus, the Amex trifecta won’t work for everyone.

While Amex has more transfer partners than Citi, opening more options for your points redemptions, and there are hundreds of dollars in annual statement credits available on these cards, you’ll spend a lot more in annual fees with this strategy.

The Chase trifecta

It’s also possible to employ a trifecta of Chase credit cards, and there are even two variations of the Chase trifecta. You’ll use the Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , Chase Freedom Unlimited® and either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® .

• Use the no-annual-fee Freedom Unlimited for all purchases that don’t fall into bonus categories on the other cards, earning 5% cash back on travel purchased through Chase Travel, 3% cash back on eligible dining and drugstore purchases and 1.5% cash back on all other purchases. 
• Use the Freedom Flex, to earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases. The rotating categories can include merchants like wholesale clubs, Amazon, gas stations, PayPal and more.
• If you choose the Sapphire Preferred, you’ll pay a $95 annual fee and earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.
• If you choose the Sapphire Reserve, you’ll get a $300 annual travel credit and lounge access to justify the $550 annual fee, plus increased earning rates of 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Travel℠ after the first $300 is spent on travel purchases annually. Earn 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.

Like Citi, your cash back and Ultimate Rewards® points can be combined to access Chase’s list of transfer partners through the Sapphire cards, and you’ll pay either $550 or $95, depending on which Sapphire card you choose.

Which of these trifectas best — Amex, Chase or Citi? That depends on which option best matches your spending habits, tolerance for annual fees, benefits you want along the way and redemption partners that work with your travel goals. And it’s not uncommon to find points-and-miles fans who have all three of these trifectas in their wallet — this author included.

How to choose the best Citi credit cards

Citi offers more credit cards than just those mentioned in the Citi trifecta. These three are the most complementary for earning extra rewards, but they aren’t your only choices.

Citi credit cards include options with 0% introductory APR offers on purchases and balance transfers, and Citi even issues the Costco Anywhere Visa® Card by Citi * The information for the Costco Anywhere Visa® Card by Citi has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .

Another solid option is the Citi Rewards+® Card * The information for the Citi Rewards+® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which automatically rounds up every purchase to the nearest 10 points and also awards 10% of your redeemed points back each year — up to the first 100,000 points redeemed per year. Citi also issues co-branded credit cards for American Airlines . These cards earn AAdvantage miles and include cards offering no annual fee, a modest annual fee for modest perks or a high annual fee with a lounge membership included.

The key to choosing the best Citi credit card is to compare the perks offered by the cards and look at how those stack up against the annual fee to see if it’s worth it. You also should evaluate the rewards earning rates: look at which card will provide extra rewards where you tend to spend the most, whether that’s restaurants, supermarkets, streaming or something else.

Frequently asked questions (FAQs)

Card trifectas are worth it if you can manage them responsibly, understand how the cards work together and manage juggling multiple credit cards. It’s also worth it if you can get more out of the cards than the annual fees you’re paying and can remember which card to use for which purchase. However, if you aren’t using the cards’ benefits and often use the wrong card, you might fare better with a simpler rewards strategy.

If you’re new to credit or new to Citi credit cards, you may lack the credit history or banking relationship Citi wants before approving you for its more premium credit cards. For most people, the right card to start with is the Citi Double Cash. This way, you’re earning 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24, while biding time until you apply for your next Citi card.

A trifecta credit cards strategy is best for someone who wants to accelerate their earnings by using multiple credit cards to maximize rewards on every purchase. It may work well for you if you’re organized enough to juggle cards, will remember which card to use at which merchant and have the ability to track your spending and bills across cards to avoid harm to your credit.

For rates and fees for The Platinum Card® from American Express please visit this page .

For rates and fees for the American Express® Gold Card please visit this page .

*The information for the Chase Freedom Flex℠, Citi Premier® Card, Citi Rewards+® Card, Costco Anywhere Visa® Card by Citi and The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Ryan grew up in Ohio but has lived in half a dozen states and multiple continents before recently returning to the U.S. and settling in southern California. After someone at his hostel in China said, “I flew here for free using points,” Ryan was hooked. In December of 2023, he completed his goal of visiting every country in the world. Ryan has been around points and miles for several years and has published content at Miles to Memories, AwardWallet, The Points Guy and Forbes Advisor. He also holds Brazilian citizenship and speaks fluent Portuguese. His wife joins him on many of his trips, and they enjoy snowboarding, scuba diving, seeing animals in the wild and hunting for vegan tiramisu. When not traveling, Ryan is probably answering questions from his family about how he travels so much and whether this points and miles stuff is illegal.

Allie is a journalist with a passion for money tips and advice. She's been writing about personal finance since the Great Recession for online publications such as Bankrate, CreditCards.com, MyWalletJoy and ValuePenguin. She's also written personal finance content for Discover, First Horizon Bank, The Hartford, Travelers and Synovus.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Best Citi Business Credit Cards of 2024

• How to Qualify
• How to Apply
• Maximizing Benefits

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Costco Anywhere Visa® Business Card by Citi, CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®. The details for these products have not been reviewed or provided by the issuer.

Introduction to Citi Business Credit Cards

A business credit card provides numerous benefits to small business owners, from earning airline miles or cash back rewards on your business expenses to simplifying accounting by keeping your personal and business expenses separate. 

Citi offers a few business credit cards tailored to meet the needs of businesses of all sizes, from startups to established enterprises. While Citi doesn't offer many business cards, this guide evaluates the key benefits that set Citi business credit cards apart to help you decide which one makes sense for you and your small business.

Compare the Top Citi Business Credit Cards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.

20.49% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous bonus cash-back categories, especially for eligible gas purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee (though you need to have a Costco membership)
• con icon Two crossed lines that form an 'X'. You can only redeem rewards once per year
• con icon Two crossed lines that form an 'X'. Not the best cash-back card if you don't shop at Costco

Earn 2x miles for every $1 spent on cable and satellite providers, eligible American Airlines purchases, at gas stations, on select telecommunications merchants, and on car rentals. Earn 1x mile for every $1 spent on other purchases.

$99, waived for first 12 months

21.24% - 29.99% Variable

Earn 65,000 American Airlines AAdvantage® bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Lots of bonus categories for earning miles on business-related purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual fee is waived the first year
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a free checked bag on American Airlines flights
• con icon Two crossed lines that form an 'X'. Smaller businesses may have trouble meeting the $30,000 spending threshold to earn the companion certificate

The CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® is a good choice for small-business owners who fly American Airlines. Along with a hefty welcome bonus offer, it offers day-of-travel perks like a free first checked bag on domestic AA itineraries, preferred boarding, and inflight discounts.

• Costco Anywhere Visa® Business Card by Citi : Best for Costco cash back
• CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® : Best for airline miles

Citi Business Credit Card Reviews

Best for costco cash back: costco anywhere visa® business card by citi.

The Costco Anywhere Visa® Business Card by Citi is worth considering if you want a small business credit card that earns cash back. But it has a few quirks that make it less appealing to the masses. 

First, you must be a Costco member to apply for the card. Additionally, there isn't any public welcome offer, but Costco members are occasionally targeted for a bonus when opening a Costco membership. 

Costco loyalists can quickly rack up rewards if they maximize the bonus categories of the Costco Anywhere Visa® Business Card by Citi. Cardholders earn:

• 4% cash-back at gas stations worldwide and EV charging purchases, including Costco (up to $7,000 in purchases/year; 1% after that)
• 3% cash-back on travel purchases and at restaurants
• 2% cash-back at Costco and Costco.com
• 1% cash-back on all other purchases

Earning 4% cash back on gas is fantastic — a rate that tops our list of the best credit cards for gas purchases . This card would be a great choice if your small business spends a lot on gas. 

The primary downside of the Costco Anywhere Visa® Business Card by Citi is that you must redeem your rewards at Costco, whether you're buying merchandise or getting cash back. This could be inconvenient, and it isn't something you'll have to deal with with any of the other cash-back credit cards . 

On the flip side, the Costco Anywhere Visa® Business Card by Citi does offer perks like ​​extended warranty protection, damage and theft protection, and travel accident and rental car insurance.

Read our full Costco Anywhere Visa Business Card by Citi review for more information about this versatile card.

Best for Airline Miles: CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®

For small business owners who frequently fly American Airlines, the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® is an excellent option. In addition to a generous welcome bonus, it provides American Airlines travelers various perks like a free checked bag on domestic AA itineraries, preferred boarding, and discounts on inflight purchases.

The CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® offers new card members 65,000 American Airlines AAdvantage® bonus miles after you or your employees spend $4,000 in purchases within the first four months of account opening. Cardholders earn 2 miles per dollar on American Airlines, telecommunications, satellite and cable providers, car rentals, and gas stations. And 1 mile per dollar on all other eligible purchases.

The welcome bonus alone is enough for up to three domestic economy tickets or a round-trip economy ticket to Europe, so there's a lot of value to be had from this card. And the card's ongoing perks can translate into serious savings for a regular American Airlines traveler. 

For an in-depth look at this card, read our full CitiBusiness AAdvantage Platinum Select American Airlines Credit Card review .

Understanding Citi Business Credit Cards

How to qualify for a citi business credit card.

Regardless of your goals surrounding earning rewards, having a business card is smart if you're a small business owner. Luckily, qualifying for a business card is easier than many think. A formal LLC or a business with a million dollars in revenue isn't required. Sole proprietorships and activities such as tutoring, freelancing, and reselling can qualify you for such cards. 

How to Apply for a Citi Business Credit Card

Applying for a Citi business credit card is the same process as applying for any other type of credit card. You'll be required to fill out an application and provide personal information such as your name, date of birth, and social security number (SSN). And because you're applying for a business card, you'll also need to provide information about your business, like your business name, yearly revenue, and Employer Identification Number (EIN). 

If you don't have an EIN, don't worry. You can apply for a business card using your SSN. Regardless of which number you use, Citi will base its decision on information from your personal credit report, and you'll be personally responsible for any charges made to your business card. 

Comparing Citi Business Credit Card Rewards and Cash Back 

The two Citi cards reviewed here are quite different, but they both allow small business owners to earn points or cash back on everyday purchases for the company. If you value travel benefits on American Airlines above all else, the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® may suit your business well. If you frequently purchase office and kitchen supplies from Costco and prefer to avoid an annual fee, the Costco Anywhere Visa® Business Card by Citi may be a better fit. 

Comparing Citi Business Credit Card Travel Benefits and Perks

The CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® is the only card on this list that you should consider for travel benefits. While you can purchase travel packages through Costco, benefits such as a free checked bag on domestic American Airlines flights, preferred boarding, and discounts on inflight purchases outweigh any potential cash-back discounts you could get from the Costco card. 

Maximizing Benefits with Citi Business Credit Cards

The best way to maximize your business credit card benefits is by utilizing bonus categories to earn more rewards.

Businesses with many drivers might do well to get employee cards for the Costco Anywhere Visa® Business Card by Citi in order to earn 4% per dollar spent on gas. CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® cardholders, meanwhile, can use the card to pay for Internet, car rentals, phone bills, and other common business utilities, which earn two points per dollar.

Citi Business Credit Card Frequently Asked Questions

Yes, it can be difficult for some people to qualify for a Citi business card because Citi's business card qualifications are relatively strict. Of the limited number of business cards Citi offers, all require excellent credit, meaning your FICO score must be 800+.

The credit score needed for a Citi business card depends on the specific card you're applying for. But most require excellent credit to qualify, meaning you'll need a FICO score of at least 800.

Citi will use your personal credit report when applying for a Citi business card, and you will be held personally liable for any charges made to the card. 

Yes, Citi business credit cards are specifically designed to meet the needs of small businesses. Citi currently offers a limited number of small business credit cards, but the ones reviewed in this post meet many common needs of small business owners.

The Costco Anywhere Visa® Business Card by Citi does not have an annual fee, while the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® has an annual fee of $99, waived for first 12 months.

Rewards earned on the Costco Anywhere Visa® Business Card by Citi can only be redeemed at Costco once a year when you receive your annual rewards certificate. Rewards earned on the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® can be redeemed for travel on American Airlines.

Yes, you can request free employee credit cards for authorized users on both the Costco Anywhere Visa® Business Card by Citi and the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®.

As with any other business credit card application, you'll need to provide personal details such as your name, date of birth, and social security number as well as business-related information such as your business name, business structure yearly revenue, and Employer Identification Number (EIN). 

Why You Should Trust Us: How We Chose the Best Citi Business Credit Cards

Citi doesn't issue many business credit cards, so there weren't many options to consider for this list of the best Citi business cards. Nevertheless, we included the cards with the best welcome offers, annual fees, solid earnings rates, and valuable perks and benefits. By sharing the details of each card, our readers can make an informed decision about which Citi business card would be the best fit for their particular situation.

To read more about the Citi personal credit cards and nearly all of the other credit cards on the market, check out our credit card reviews hub . 

Business Insider's credit cards team operates independently from its business team and maintains strong editorial standards. We prioritize providing unbiased reviews and don't promote specific cards for financial gain, though some may be affiliates.

For more information on our card rating methodology, we've shared how we rate and review credit cards at Business Insider.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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5 Quick Luxury Escapes

Key takeaways:

• 1. You don’t have to travel far from Singapore to reach some of the world’s most luxurious destinations.
• 2. Plan your dream escape with the Citi Prestige Card to discover a range of airline promotions and other exclusive benefits.
• 3. Take advantage of the new Citi Prestige Digital Concierge service to make your experience even more memorable.

If you are longing to reward yourself with a luxury escape, you don’t have to look far to find some of the world’s premium vacation destinations. Located just a few hours by plane from Singapore, these exquisite locations will have you indulging in your favourite leisure activities in no time. Perfect for the busy professional who wants to unwind at the end of the week, or the couple who desires a romantic getaway without the kids, take a look at these top luxury getaways that are right on your doorstep.

1. Best place for Michelin Star food: Bangkok (Thailand)

Bangkok in Thailand stands as a culinary paradise with a plethora of restaurants that redefine gastronomic excellence. Boasting four of the top ten best restaurants in Asia in 2023, as well as more than 350 establishments within the Michelin Guide, Bangkok is truly a food lover’s haven.

One highlight is 80/20 Eighty Twenty (Bangrak), a Michelin-starred restaurant that has earned its reputation for its avant-garde approach to Thai cuisine. Chefs Jo and Saki skilfully blend traditional ingredients with modern techniques, creating masterpieces that redefine your understanding of Thai food.

Opt for the 10-course meal and go on a food adventure – the river prawn curry transports you to the bustling markets of Bangkok, while the slow-cooked pork belly with barley koji and local cabbage offers a symphony of textures and flavours.

Whether it’s fine dining in supreme luxury, or a casual bite on the bustling streets, you can be sure a trip to Bangkok will lead you on a culinary journey that proves why Thailand is known as the land of smiles.

Plus, Citi cardmembers can access a range of special offers on Bangkok restaurants from Citi World Privileges.

2. Best Place for Shopping: Hong Kong (China)

In need of a little retail therapy? Hong Kong, a vibrant metropolis renowned for its towering skyscrapers and bustling streets, is a haven for discerning shoppers. Jet off now and discover the treasures that await in the city's eclectic shopping havens.

Step into K11 Musea, one of Hong Kong’s newest malls that seamlessly blends art, culture and retail. This innovative shopping mall showcases a curated collection of contemporary brands alongside prestigious luxury labels. Look forward to a unique shopping experience that transcends traditional boundaries.

Alternatively, venture into the historic districts of Sheung Wan and Sai Ying Pun, where hidden gems await discovery. Wander through narrow streets lined with antique shops, vintage boutiques and flea markets, each brimming with unique treasures waiting to be unearthed.

3. Best Place to Golf: Siem Reap (Cambodia)

Meanwhile, the capital city of Cambodia, Siem Reap, beckons those seeking the pinnacle of golfing luxury.

Tee off at the award-winning Angkor Golf Resort, designed by English golf legend Sir Nick Faldo. This oasis offers a luxurious golfing escape amidst ancient temples and picturesque landscapes. The meticulously designed 18-hole course ensures a challenging yet rewarding experience, catering to both seasoned players and those new to the sport.

While golf is undoubtedly the highlight, you can also explore the vibrant city life of Siem Reap that’s a stone's throw away. Or indulge in the cultural richness of Angkor Wat and uncover the secrets of this UNESCO World Heritage site.

4. Best Place to Unwind: Ubud, Bali (Indonesia)

Nestled amidst the lush greenery of Bali 's Ubud region, COMO Shambhala Estate seamlessly blends Balinese architectural artistry with modern comforts. Spacious interiors, adorned with natural materials and local artwork, invite relaxation and serenity.

Embark on a transformative journey, where personalised wellness programmes are designed to restore your balance. A team of expert practitioners will guide you through a range of holistic treatments, such as traditional Balinese massages and Ayurvedic therapies.

Afterwards, venture beyond the tranquillity of the spa and immerse yourself in the rich cultural and natural wonders of Ubud. Explore ancient temples, cycle through verdant rice paddies or embark on a revitalising hike through the pristine rainforest – truly the best of Bali .

Cocooned by the serene beauty of the Ayung River Valley, this award-winning spa retreat with 30 private residences and world-class facilities offers a holistic approach where you can truly rejuvenate your mind, body and soul.

5. Best Place for Experiential Travel: Puerto Princesa, Palawan (Philippines)

For the more intrepid traveller, Puerto Princesa on Palawan Island emerges as an unparalleled travel destination for the adventurous.

Its allure lies in the meticulous preservation of the Puerto Princesa Underground River, one of the world's most captivating subterranean wonders.

Embark on a boat tour that reveals jaw-dropping cave formations, mesmerising limestone cliffs and waters so pristine they seem to defy reality. While the entire river spans 8.2km, only an exclusive 4.3km stretch is unveiled, ensuring an intimate exploration of the island's masterpiece.

With tours departing from a range of 5-star resorts and luxury hotels on Palawan Island, travellers can relax in comfort after a day of exploring all the natural beauty of the region.

Make Your Trip Extra Luxurious with the Citi Prestige Card

Choosing the right credit card is important when you’re travelling. Enhance your luxury getaway with the Citi Prestige Card^ , designed to elevate your holiday experience.

As a Citi Prestige Cardmember, look forward to these complimentary perks from the Citi Prestige Digital Concierge, accessible through the Citi Mobile ® App:

• 1. Unlimited access to Priority Pass airport lounges.
• 2. 8 one-way airport limousine transfers.
• 3. 6 golf games at highly celebrated courses in Singapore, Malaysia, Indonesia and China.
• 4. Free night stay when you book a minimum consecutive four-night stay at any hotel or resort.

Plan your dream escape with the Citi Prestige Card to discover more airline promotions and other exclusive benefits. Start your journey with a welcome gift of up to 177,500 Points*.

^For Citi Prestige Digital Concierge related information and full benefits, please refer to https://www.citibank.com.sg/credit-cards/rewards/prestige-credit-card/

*Terms and Conditions apply. Applicable for new to Citi Prestige Cardmembers.

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Disclaimers

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Frequently Asked Questions

Related content.

Will you earn more with the Robinhood Gold Card vs 2% flat-rate rewards credit cards?

Other rewards rates and perks to consider.

• What about the Robinhood Gold Card’s travel rewards?

Redeeming rewards is also more challenging

How robinhood gold stacks up to the competition, should you sign up for the robinhood gold card, bad news for wells fargo active cash new robinhood gold card earns 3% cash back on everything.

Even without a welcome bonus, Robinhood’s flat-rate rewards card has a competitive edge.

Courtney Johnston

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When it comes to managing your money or earning rewards , I’m a big fan of eliminating unnecessary complications. So I love the simple structure of a competitive flat-rate rewards credit card, like the Wells Fargo Active Cash® Card . But the gold standard in credit cards is facing new competition.

The Robinhood Gold Card * was recently announced and offers 3% back on every purchase -- and a competitive 5% back on travel booked in the new Robinhood travel portal. That’s a higher rewards rate than the Active Cash, which recently won a CNET Editors’ Choice award for its competitive rewards and ease of use.

The catch? You’ll need to be a Robinhood Gold member to apply, which costs $5 a month. That brings the annual cost up to $60 a year, but if you pay annually, it will only cost you $50, saving you an extra $10. That’s not a steep fee, but is it worth the cost when most 2% flat-rate cards don’t charge an annual fee?

Let’s find out.

Robinhood Gold Card

If we focus just on flat-rate rewards , the Robinhood Gold card can earn more in rewards after you hit a certain spending threshold.

Let’s say you spend $1,000 a month regularly with a 2% flat-rate card like the Active Cash. Assuming you pay your bill in full and don’t accrue interest or penalties, you could earn $240 in a given year.

If you spend the same amount with the Robinhood card and earn a flat 3% rewards rate, you’d earn $360. When you subtract the Robinhood Gold membership’s annual cost ($50), that brings your earnings to $310 -- $70 higher than you would earn with a 2% flat-rate card.

But if you spend less than $400 a month, you’ll earn more with the Active Cash (assuming you pay $50 for the annual Robinhood Gold membership).

How much you can earn in rewards each year, after annual fees :

Aside from the flat rewards rates, you’ll also want to weigh other benefits each card offers. While the Robinhood Gold could net you a bigger return, the Active Cash offers an easy-to-earn welcome bonus that can earn you an extra $200 in cash rewards after spending $500 in purchases within the first three months of account opening. When you take this bonus into consideration, the tables turn slightly.

How much you can earn in rewards the first year, after annual fees, including welcome bonuses :

With the additional $200 welcome bonus, the Active Cash becomes the clear winner -- but only for the first year. After that, the Robinhood Gold would eventually start to pull ahead.

What about the Robinhood Gold Card’s travel rewards?

If you plan on booking travel with your card, then the Robinhood Gold can earn 5% rewards through its travel portal. While that sounds great -- and it may be -- the card isn’t live yet. You’ll need to add your name to the card’s waitlist. So we don’t know enough about how the travel portal works to determine if it’s worthwhile. 

It’s worth keeping a eye on, but if you already earn a 5% rewards rate with a travel card like the Chase Sapphire Preferred® Card , Capital One Venture Rewards Credit Card* or the new Wells Fargo Autograph Journey℠ Visa® *, I wouldn’t jump ship just yet.

How you like to redeem your rewards will help you decide which flat-rate card is best for you. You might earn more with Robinhood’s card and you can technically redeem your rewards as cash-back, but it’s not always that simple. You’ll need to transfer your rewards to your Robinhood brokerage account and then transfer them to a linked bank account. 

The Active Cash makes it easier to redeem rewards for cash back, cutting out this two-transfer step. But if you’re looking to invest your rewards or earn the same 1% redemption rate when using them at checkout, Robinhood’s card has the edge. 

Here’s a more comprehensive look at how the Robinhood Gold card compares to similar flat-rate cards, like the Wells Fargo Active Cash and the Citi Double Cash® Card .

Wells Fargo Active Cash® Card

Citi Double Cash® Card

If you’re already a Robinhood Gold member, signing up for this card is a no-brainer -- unless there’s another rewards card you like more. If you’re not a member, you’ll want to look at how much you spend each month and consider how you like to redeem your rewards. 

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Robinhood’s new gold card goes head-to-head with apple and paypal, the chase sapphire preferred could lose its crown to this wells fargo travel card, credit card rewards shake-up: visa and mastercard agree to lower swipe fees.

*All information about the Capital One Venture Card, Robinhood Gold Card and the Wells Fargo Autograph Journey has been collected independently by CNET and has not been reviewed by the issuer.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

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Frugal Traveler

Credit Card Swipe Fees Are Going Down. Are Points Going With Them?

A new agreement by Visa and Mastercard to reduce fees charged to merchants may drain the lucrative rewards that grant free travel to many credit card users.

By Elaine Glusac

Elaine Glusac is the Frugal Traveler columnist, focusing on budget-friendly tips and journeys.

On Tuesday, the largest credit card companies in the United States reached an agreement with merchants to reduce the so-called swipe fees retailers pay for accepting credit card payments, potentially saving the retailers $30 billion.

These fees also help fund the credit card rewards programs that many travelers redeem for things like free flights and hotel stays, leading points hawks to wonder: Are loyalty programs at risk?

Here’s what we know so far about the changes.

What are the terms of the deal?

Last year, credit card payments generated an estimated $72 billion in fees paid by merchants, which are generally passed along to customers in the form of higher prices. For nearly 20 years, merchants have been seeking reductions in the fees they pay Visa and Mastercard for handling transactions where the cards are used.

The proposed settlement , awaiting approval in a federal court, reduces and caps those fees for five years. It would also allow merchants to potentially charge consumers more based on the card they pay with. For example, a person paying with a premium card like the Chase Sapphire Reserve, which costs $550 a year, could be charged more than someone paying with the more basic Chase Sapphire Preferred card, with an annual fee of $95.

Why does it matter?

The majority of the fees collected go back to the banks that issue the credit cards. Those banks have used the funds to push premium credit cards that offer loyalty points, which can be redeemed for free travel and other perks. The cards with the biggest benefits tend to be those that charge higher swipe fees.

While the reduction in the fees collected sounds small — averaging at least .07 percent — they represent an estimated $30 billion over the five-year term of the deal, which banks could try to make up by reducing points perks.

“It’s reasonable to think that,” said Brian Kelly, the founder of the Points Guy , a news site devoted to maximizing credit card points.

While he speculated that banks will be able to “find other ways to make up the difference,” he acknowledged that a points squeeze could emerge.

“Opportunities to earn probably aren’t going to flourish,” he said.

The idea that merchants could charge more to the holders of premium, perks-rich cards, which are expensive, might also deter consumers from using them. Some experts question the viability of the practice given the potential for consumer backlash.

Is the new agreement related to the Credit Card Competition Act?

The legal actions that led to the new credit card agreement date back to 2005. But the newer Credit Card Competition Act , proposed in 2023, aims to introduce more competition in the credit card payment system. By creating a cheaper alternative pipeline for processing payments, the proposed legislation is seen as a greater threat to rewards programs.

Responding to the just-announced agreement between the credit card companies and retailers, Senator Dick Durbin, Democrat of Illinois, and the lead sponsor of the Credit Card Competition Act, released a statement urging the act’s passage.

“I fear that this deal only provides temporary concessions negotiated by a few lawyers behind closed doors,” he said in the statement.

Other experts said the agreement may ease the pressure on Congress to pass the act.

“I think it’s a way for Visa and Mastercard to show that they are making a good-faith effort to help out merchants by lowering the fees they’ve been complaining about for 20 years, and hopefully enough to let senators know they’re doing their part,” said Chris Hassan, the social media and brand manager for Upgraded Points , a website that tracks credit card benefits.

Separately, the proposed merger between Capital One and Discover, which is pending federal approval, could introduce more competition among credit cards and potentially improve rewards for holders of those cards.

What should I do now?

The points and payments systems won’t change until the agreement is approved, which is expected in late 2024 or early 2025, according to a news release from Mastercard.

But the topic should remind travelers of the reality of playing with points: The rules always change. Values tend to fall as redemption levels rise, which companies issuing these currencies are free to adjust at will.

If you have points, spend them, say experts like Sara Rathner, a travel and credit card specialist at the financial website NerdWallet . “They’re not a trophy to dust and admire.”

Follow New York Times Travel on Instagram and sign up for our weekly Travel Dispatch newsletter to get expert tips on traveling smarter and inspiration for your next vacation. Dreaming up a future getaway or just armchair traveling? Check out our 52 Places to Go in 2024 .

Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .

Mumbai:  Spend 36 hours in this fast-changing Indian city  by exploring ancient caves, catching a concert in a former textile mill and feasting on mangoes.

Kyoto:  The Japanese city’s dry gardens offer spots for quiet contemplation  in an increasingly overtouristed destination.

Iceland:  The country markets itself as a destination to see the northern lights. But they can be elusive, as one writer recently found .

Texas:  Canoeing the Rio Grande near Big Bend National Park can be magical. But as the river dries, it’s getting harder to find where a boat will actually float .