Annual Fee
$95
Extra Card Fee
$0
Card Type
Credit
Purchase
16.74%
Cash Advance
27.49%
Balance Transfer
16.74%
  • Get 1 ThankYou point per dollar spent.
  • Get 2x the ThankYou points per dollar spent on dining & entertainment.
  • Get 3x the ThankYou points per dollar spent on travel and gas stations.
  • Receive 50,000 bonus ThankYou points when you spent $4,000 in your first 3 months.
  • Enjoy access to exclusive concerts, events, dining experiences, through Citi Private Pass.
  • ThankYou Points are worth 25% more when redeemed for airfare through the ThankYou Travel Center.
  • Be protected with 11 different kinds of purchase and travel insurance.
  • Transfer your points to 14 airline programs including TrueBlue.
  • Receive complimentary Citi Concierge service.
  • No foreign exchange fee.
  • Annual fee of $95 is waived for the first year.
Extended Warranty 2 years
Purchase Protection 90 days
Price Protection 60 days
Return Protection Yes
Travel Accident $500,000
Trip Cancellation $5000
Trip Interruption $5000
Flight Delay $500
Baggage Delay $100
Lost or Stolen Baggage $3000
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

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The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.