No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
3X points on restaurants, supermarkets, gas stations, air travel, and hotels.
1X points on all other purchases.
Special Offer: Earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions booked on the Citi TravelSM portal through June 30, 2024.
Earn 3X points on multiple categories including dining, supermarkets, and travel.
$100 Annual Hotel Savings on a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year.
No foreign transaction fees.
Points can be transferred to participating airline loyalty programs.
$95 annual fee.
High spend required for $100 Annual Hotel Savings benefit.
Earns 1X points on categories outside of dining, supermarkets, gas stations, air travel, and hotels.
Earn 3X points on dining, supermarkets, gas, air travel, and hotels with the Citi Premier Card. Enjoy a $100 annual hotel savings benefit (requires $500+ single stay) and no foreign transaction fees. Transfer points to airline partners for added flexibility. While there’s a $95 annual fee and lower earning rates outside the top categories, the Citi Premier Card is a solid choice for frequent travelers and those who spend heavily in the bonus categories.