Hotels12Xeligible AAdvantage Hotels and AAdvantage Cars bookings
Other purchases1X
Annual fee $695
Rewards & conditions
12X eligible AAdvantage Hotels and AAdvantage Cars bookings; 4X eligible American Airlines purchases, increasing to 5X for the rest of the calendar year after $150,000 in annual purchases; 1X all other purchases
125,000-mile offer requires $15,000 in purchases within 5 months and is unavailable after an Executive new-account bonus in the past 48 months or a qualifying recent product conversion. 5X on eligible American Airlines purchases begins only after $150,000 in calendar-year spend and applies for the remainder of that year. AA Vacations credit is split into $250 for Jan–Jun and $250 for Jul–Dec. Lyft requires 3 eligible rides in a calendar month before the $15 monthly credit. Avis/Budget rentals must be eligible, prepaid, and booked directly. Bag benefit is for domestic AA itineraries and companions on the same reservation. Enrollment and terms apply to lounge, hotel-status, and credit benefits.
6X eligible AAdvantage Hotels bookings; 3X eligible American Airlines purchases; 2X restaurants including takeout/delivery; 2X eligible Rides and Rails purchases; 1X all other purchases
60,000-mile offer requires $4,000 in purchases within 3 months and is unavailable after a Globe new-account bonus in the past 48 months or a qualifying recent product conversion. Turo credit is capped at $30 per eligible completed trip and $240 annually; the card must be linked at Turo.com/Globe and used to pay. Annual Splurge Credit is limited to up to 2 selected eligible brands and exclusions apply. Admirals Club benefit consists of 4 digital passes per calendar year. Bag benefit is limited to domestic AA itineraries and companions on the same reservation.
2X eligible American Airlines purchases; 2X restaurants including takeout; 2X gas stations; 1X all other purchases
50,000-mile offer requires $2,500 in purchases within 3 months and is unavailable after a Platinum Select new-account bonus in the past 48 months or a qualifying recent product conversion. The $99 annual fee is waived only for the first 12 months. Bag benefit applies to the first checked bag on domestic American Airlines itineraries for the primary cardmember and up to 4 companions on the same reservation. Preferred boarding has the same companion/reservation limit. The card does not typically include an introductory APR.
Hotels & Car rentals & Attractions12Xhotels, car rentals and attractions through Citi Travel
Flights6Xair travel through Citi Travel
Dining6Xrestaurants during Citi Nights (Friday/Saturday 6 PM–6 AM ET)
Annual fee $595
Rewards & conditions
12X hotels, car rentals and attractions through Citi Travel; 6X air travel through Citi Travel; 6X restaurants during Citi Nights (Friday/Saturday 6 PM–6 AM ET); 3X restaurants at other times; 1.5X all other purchases
Public rewards-page offer: 75,000 ThankYou points after $6,000 in eligible purchases in the first 3 months; offers vary by channel. New-account bonus is unavailable if you currently have or previously had a Citi Strata Elite account; other issuer eligibility factors apply. The $300 hotel benefit applies once per calendar year to a single stay of at least 2 nights through Citi Travel and excludes taxes and fees. Splurge Credit is limited to up to 2 selected eligible brands. Blacklane credit is split into $100 for Jan–Jun and $100 for Jul–Dec. Lounge access, credits, transfers, and protections are subject to enrollment and benefit terms.
Hotels & Car rentals & Attractions10Xeligible hotels, car rentals and attractions through Citi Travel
Selected categories3Xair travel, other hotels, restaurants, supermarkets and gas/EV charging
Other purchases1X
Annual fee $95
Rewards & conditions
10X eligible hotels, car rentals and attractions through Citi Travel; 3X air travel, other hotels, restaurants, supermarkets and gas/EV charging; 1X other
The $100 annual hotel benefit requires a single hotel stay of $500 or more, excluding taxes and fees, booked through Citi Travel. The welcome offer is subject to Citi's 48-month bonus eligibility rule.
Dining & Groceries & Entertainment3%Unlimited — cash back on dining, groceries and entertainment
Other purchases1.5%Unlimited — on everything else
Annual fee $295
Rewards & conditions
Unlimited 3% cash back on dining, groceries and entertainment; unlimited 1.5% on everything else
The $295 annual fee is waived for eligible Private Client/Private Bank customers and reduced to $95 for eligible Quest checking customers. Rewards require eligible net purchases and merchant category coding; premium travel benefits may require activation or third-party terms.
Hotels & Car rentals10%cash back on eligible hotel and car rentals booked through the issuer travel portal
Dining & Gas5%on eligible dining, gas and travel
Other purchases1%on other eligible purchases
Annual fee $95
Rewards & conditions
10% cash back on eligible hotel and car rentals booked through the issuer travel portal; 5% on eligible dining, gas and travel; 1% on other eligible purchases
The 10% rate requires eligible hotel or car-rental bookings through the issuer travel portal. The 5% rate depends on merchant category coding. Returns, credits, cash advances, fees, interest and cash-equivalent transactions do not earn rewards.
3 points per $1 on travel; 2 points on dining; 1.5 points elsewhere
The $95 annual fee is waived only for the first year. Balance transfers must occur within 90 days to receive 0% APR for 12 months and cost the greater of $5 or 3%. Merchant coding controls category rewards. A $5,000 minimum credit line is required for Visa Signature eligibility.
3 points per $1 on travel and hotels; 2 points per $1 on dining; 1 point per $1 elsewhere
The $3,000 qualifying purchase total must post within 90 days of account opening; bonus points post on the second statement after qualification. Merchant coding controls bonus categories. Returns, transfers, fees, cash advances and cash-equivalent purchases do not earn points. Ongoing annual fee is $75 after the first-year waiver.
Up to 26X total at IHG Hotels & Resorts; card-specific category earning per current terms
140,000-point offer requires $3,000 in purchases within 3 months; an additional 10,000 points requires adding the first authorized user within 3 months. Product/bonus is unavailable to current personal IHG cardmembers or prior personal IHG cardmembers who received a bonus within 24 months. Anniversary night covers one standard room night and tax up to 40,000 points, expires after 12 months, and excludes resort fees and incidentals. The annual $100 credit plus 10,000 points requires $20,000 calendar-year spend; Diamond Elite requires $40,000 calendar-year spend. United TravelBank requires registration and is split into two $25 deposits.
Travel3Xpoints on first $150,000 in combined annual purchases in travel, shipping, internet/cable/phone, and social media/search engine advertising3X applies to first $150,000 combined eligible category spend per account anniversary year
Other purchases1X3X applies to first $150,000 combined eligible category spend per account anniversary year
Annual fee $95
Rewards & conditions
3X points on first $150,000 in combined annual purchases in travel, shipping, internet/cable/phone, and social media/search engine advertising; 1X other purchases
3X applies to first $150,000 combined eligible category spend per account anniversary year
HotelsUp to 17Xtotal at participating Marriott Bonvoy hotels
Annual fee $95
Rewards & conditions
Up to 17X total at participating Marriott Bonvoy hotels; card-specific/base earnings per program terms
Four-night offer requires $3,000 in purchases within 3 months; each award is capped at 50,000 points, expires after 12 months, and may not be transferred or extended. Marriott/Starwood card ownership and bonus history restrictions include 30-day, 90-day, and 24-month lookbacks depending on the related card. Anniversary award is capped at 35,000 points. 3X grocery/gas/dining is limited to the first $6,000 in combined annual spend. Current airline credit is split: $50 after $250 in direct-airline purchases during the 2026 offer window and another $50 after $250 from January 1–June 30, 2027; registration rules differ for existing cardmembers.
HotelsUp to 18.5Xtotal at participating Marriott Bonvoy hotels
Annual fee $250
Rewards & conditions
Up to 18.5X total at participating Marriott Bonvoy hotels; earns Marriott Bonvoy points on every purchase
85,000-point offer requires $4,000 in purchases within 3 months. Applicants are ineligible if they currently have the card or received its bonus within 24 months; related Marriott/Starwood American Express cards add 30-day, 90-day, and 24-month restrictions. 4X grocery and dining applies only to the first $15,000 in combined annual purchases, then falls to 2X. The annual Free Night requires $15,000 calendar-year spend, expires after 12 months, is capped at 50,000 points, and excludes resort fees and incidentals.
