The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
9 Best Credit Cards for American Airlines Flyers of October 2026
UpdatedSeptember 21, 2026
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for mid-tier American Airlines rewards
Citi® / AAdvantage® Globe™ Mastercard®
Intro offer Earn 60,000 American Airlines AAdvantage® bonus miles
Annual fee$350
You'll earn1-6x
Regular APR19.74% - 29.74% (Variable)
at Citi's secure site. Terms & restrictions apply. See rates & fees.
The best American Airlines credit cards offer benefits for both occasional and frequent American flyers. Whether you’re looking to earn AAdvantage miles and unlock premium perks like lounge access and free checked luggage or seeking a card that offers flexible rewards and benefits across multiple airlines, there’s a great option from our partners for you.
Browse by card categories
Comparing the best American Airlines credit cards
MoreDetails
“More details on the best American Airlines credit cards”
We rated the best American Airlines credit cards based on several factors, including reward earning rates, the perks associated with each card and the overall value each card delivers to you. To learn more about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonus
TPG’s picks include cards that offer a range of welcome bonuses to suit different budgets and spending habits.
Annual fee
We chose cards with varying annual fees, including those that cost less than $100 annually to premium cards with heftier fees.
Earning rates
You’ll find various earning rates — and reward programs — making it easier to match your needs to the right credit card.
Redemption options
The best cards will provide you with redemption options in the form of miles and even the ability to use rewards with transfer partners, depending on the card issuer.
Added benefits
Our top picks include insurance perks so you can travel with peace of mind knowing you’re protected against flight delays, lost baggage and more.
Is American the best US airline in 2024?
The data is in, and TPG’s annual report on the best U.S. airlines has American in fourth place — just six hundredths of a point behind United. American benefited from having the largest domestic route network of any carrier, and it also scored well for the travel experience and its AAdvantage loyalty program. However, American was the worst airline at handling checked baggage and was the second-least affordable — dropping it down the rankings.
Here’s where the data placed American this year.
*TPG’s proprietary formula uses data from the U.S. Department of Transportation, public information from carrier websites and internal valuation calculations to numerically rank the largest 10 airlines in the U.S. in terms of reliability, cost, experience and loyalty.
How to choose the best American Airlines credit card
The best American Airlines credit card for your specific needs will heavily rely on what you want the card for and what your spending habits look like. Consider welcome bonuses, travel protections, lounge access and more when deciding which card is best for you.
Here are some of the main points to consider when choosing an American Airlines credit card:
1
Sign-up bonus
Choose the best American Airlines card that offers a solid sign-up bonus you can use for future trips. Additionally, consider the minimum spend threshold required to earn a sign-up bonus and make sure your budget and spending align with that figure.
2
Annual fee
Depending on what your goals are when opening a new credit card, you may want to opt for a budget-friendly, low annual fee card or a premium travel card — with premium protections and benefits — with a premium annual fee.
3
Bonus categories
The best American Airlines credit cards feature various bonus categories for different types of travelers and spenders. Whether you want a cobranded airline card or a travel card that’s also great for general everyday purchases, one of our top picks is sure to suit your needs.
Your ultimate guide to American Airlines AAdvantage - The Points Guy
Curious about this loyalty program? Read our guide to get the lowdown
American credit cards can earn AAdvantage miles (or flexible travel rewards) every time you use them
Spending on cobranded American Airlines cards can help you unlock AAdvantage elite status
Many American credit cards include perks to enhance your travel experience — including lounge access, free checked bags and priority boarding
Cons
Earning American AAdvantage miles means you’re limited to awards through that program
Frequently asked questions
What is the best American Airlines credit card?
The best American Airlines credit card will vary depending on your needs. If you want Admirals Club access, the Citi / AAdvantage Executive World Legend Mastercard will be the best American Airlines card. But if you are primarily interested in getting your first checked bag free on domestic American Airlines flights, one of the cards with a lower annual fee will likely be best.
Is an American Airlines credit card worth it?
An American Airlines card may be worth getting if its perks provide more value than the cost of the annual fee. For example, you'd only need to check a bag four times per year to cover the cost of the mid-tier AAdvantage cards. And the annual fee on the Citi AA Executive card is less than the cost of an Admirals Club membership.
How do you apply for an American Airlines credit card?
You can apply for some American Airlines cards, including the Citi AA Executive card, by clicking the hyperlinked card names on our page. You can apply for other American Airlines cards by searching for the card on the Citi or Barclays websites. You can also pick up a paper application for the Aviator Red on board some American Airlines flights.
What credit card rewards transfer to American Airlines?
You have the ability to transfer Marriott Bonvoy points at a 3:1 ratio, which allows you to leverage various Marriott credit cards to earn American miles. However, we only recommend transferring Marriott points to airline programs for very specific redemptions.
Do American Airlines credit cards have foreign transaction fees?
Most American Airlines credit cards don’t have foreign transaction fees. But some, including the AAdvantage MileUp card, do charge foreign transaction fees. So, check the fine print before assuming your American Airlines credit card doesn't have foreign transaction fees.
Can I use my American Airlines credit card anywhere?
You can use your cobranded American Airlines credit card to make purchases at most merchants that accept credit cards.
Do you get priority boarding with American Airlines credit cards?
Cardholders of the Citi AA Executive card automatically get priority boarding in Group 4. Cardholders of most other eligible AAdvantage cards get preferred boarding in Group 5. You won’t get preferred boarding with the AAdvantage MileUp card, though.
Do American Airlines credit cards cover rental car insurance?
Some American Airlines credit cards, including the Citi AA Executive card, offer worldwide car rental insurance coverage when you pay for your rental with your card. See your card's guide to benefits to determine whether your card offers rental car coverage and, if so, the coverage details.
What credit score is needed for an American Airlines credit card?
You'll typically need good credit — which means a credit score of at least 670 — to be approved for an American Airlines credit card. However, you can improve your chances of getting approved with an excellent score in the high 700s or low 800s.
“If you want to get into Admirals Clubs when flying American and select partners (using a same-day boarding pass for an eligible flight), this is the card to get. You’ll enjoy a complimentary membership (including guests) with the card — along with an array of other statement credits and benefits.”
“If I’m booking an expensive American Airlines flight directly with the airline, I’ll sometimes pay with my Amex Platinum to earn 5 points per dollar spent. After all, this is an excellent return given how much value I can get from Amex Membership Rewards points.”
“When I book a flight with American, I almost always use my Sapphire Reserve for the extensive travel protections. Plus, I often transfer my Ultimate Rewards points to British Airways to book nonstop AA flights at better prices than I can get through AAdvantage.”
Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
3X
Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
2X
Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.
1X
Earn 1 AAdvantage® miles for every $1 spent on all other purchases.
Intro offer
Earn 60,000 American Airlines AAdvantage® bonus miles
Annual fee
$350
Regular APR
19.74% - 29.74% (Variable)
Recommended credit
Why we chose it
The Citi AAdvantage Globe Mastercard is a mid-tier travel card designed for American Airlines flyers. It stands out for its combination of travel perks and value, offering Four Admirals Club Globe passes each calendar year (worth over $300), one annual American Airlines Companion Certificate after card renewal and up to $100 in statement credits on inflight purchases made on qualifying American Airlines flights each calendar year.
Cardholders also enjoy preferred Group 5 boarding on American Airlines flights, up to $240 in annual Turo credits (up to $30 in statement credits for each eligible completed trip on Turo) and access to Citi Entertainment presales and experiences, making it a well-rounded option for travelers who want premium perks without the premium price tag.
The card also stands out for its Flight Streak bonus, rewarding cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year. This is the only card currently available that offers this feature.
Pros + cons
Pros
Four Admirals Club Globe passes per calendar year (each valid for 24 hours)
One American Airlines Companion Certificate each year after card renewal
Free first checked bag (on qualifying domestic American Airlines itineraries) for the primary cardmember and up to eight companions on the same reservation
Flight Streak bonus rewards cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year
Up to $120 in Global Entry or TSA PreCheck fee credits every four years (issued as statement credits every four years, as reimbursement for the application fee)
Up to $100 Annual Splurge Credit each calendar year (choice of two eligible categories)
Cons
Complimentary lounge access is limited to four passes per year
$350 annual fee
More details
Earn 60,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases in the first 3 months of account opening.
American Airlines AAdvantage® bonus miles are not available if you have received AAdvantage® bonus miles for a new AAdvantage® Globe™ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage® Globe™ account.
Every calendar year, receive four Admirals Club® Globe™ Passes.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.
Earn 1 AAdvantage® miles for every $1 spent on all other purchases.
Why we chose it
The Citi AAdvantage Globe Mastercard is a mid-tier travel card designed for American Airlines flyers. It stands out for its combination of travel perks and value, offering Four Admirals Club Globe passes each calendar year (worth over $300), one annual American Airlines Companion Certificate after card renewal and up to $100 in statement credits on inflight purchases made on qualifying American Airlines flights each calendar year.
Cardholders also enjoy preferred Group 5 boarding on American Airlines flights, up to $240 in annual Turo credits (up to $30 in statement credits for each eligible completed trip on Turo) and access to Citi Entertainment presales and experiences, making it a well-rounded option for travelers who want premium perks without the premium price tag.
The card also stands out for its Flight Streak bonus, rewarding cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year. This is the only card currently available that offers this feature.
View more
Pros
Four Admirals Club Globe passes per calendar year (each valid for 24 hours)
One American Airlines Companion Certificate each year after card renewal
Free first checked bag (on qualifying domestic American Airlines itineraries) for the primary cardmember and up to eight companions on the same reservation
Flight Streak bonus rewards cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year
Up to $120 in Global Entry or TSA PreCheck fee credits every four years (issued as statement credits every four years, as reimbursement for the application fee)
Up to $100 Annual Splurge Credit each calendar year (choice of two eligible categories)
Cons
Complimentary lounge access is limited to four passes per year
$350 annual fee
Earn 60,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases in the first 3 months of account opening.
Why we chose it
The Citi AAdvantage Globe Mastercard is a mid-tier travel card designed for American Airlines flyers. It stands out for its combination of travel perks and value, offering Four Admirals Club Globe passes each calendar year (worth over $300), one annual American Airlines Companion Certificate after card renewal and up to $100 in statement credits on inflight purchases made on qualifying American Airlines flights each calendar year.
Cardholders also enjoy preferred Group 5 boarding on American Airlines flights, up to $240 in annual Turo credits (up to $30 in statement credits for each eligible completed trip on Turo) and access to Citi Entertainment presales and experiences, making it a well-rounded option for travelers who want premium perks without the premium price tag.
The card also stands out for its Flight Streak bonus, rewarding cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year. This is the only card currently available that offers this feature.
Pros + cons
Pros
Four Admirals Club Globe passes per calendar year (each valid for 24 hours)
One American Airlines Companion Certificate each year after card renewal
Free first checked bag (on qualifying domestic American Airlines itineraries) for the primary cardmember and up to eight companions on the same reservation
Flight Streak bonus rewards cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year
Up to $120 in Global Entry or TSA PreCheck fee credits every four years (issued as statement credits every four years, as reimbursement for the application fee)
Up to $100 Annual Splurge Credit each calendar year (choice of two eligible categories)
Cons
Complimentary lounge access is limited to four passes per year
$350 annual fee
More details
Earn 60,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases in the first 3 months of account opening.
American Airlines AAdvantage® bonus miles are not available if you have received AAdvantage® bonus miles for a new AAdvantage® Globe™ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage® Globe™ account.
Every calendar year, receive four Admirals Club® Globe™ Passes.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.
Earn 1 AAdvantage® miles for every $1 spent on all other purchases.
Why we chose it
The Citi AAdvantage Globe Mastercard is a mid-tier travel card designed for American Airlines flyers. It stands out for its combination of travel perks and value, offering Four Admirals Club Globe passes each calendar year (worth over $300), one annual American Airlines Companion Certificate after card renewal and up to $100 in statement credits on inflight purchases made on qualifying American Airlines flights each calendar year.
Cardholders also enjoy preferred Group 5 boarding on American Airlines flights, up to $240 in annual Turo credits (up to $30 in statement credits for each eligible completed trip on Turo) and access to Citi Entertainment presales and experiences, making it a well-rounded option for travelers who want premium perks without the premium price tag.
The card also stands out for its Flight Streak bonus, rewarding cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year. This is the only card currently available that offers this feature.
Pros
Four Admirals Club Globe passes per calendar year (each valid for 24 hours)
One American Airlines Companion Certificate each year after card renewal
Free first checked bag (on qualifying domestic American Airlines itineraries) for the primary cardmember and up to eight companions on the same reservation
Flight Streak bonus rewards cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year
Up to $120 in Global Entry or TSA PreCheck fee credits every four years (issued as statement credits every four years, as reimbursement for the application fee)
Up to $100 Annual Splurge Credit each calendar year (choice of two eligible categories)
Cons
Complimentary lounge access is limited to four passes per year
$350 annual fee
Earn 60,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases in the first 3 months of account opening.
American Airlines AAdvantage® bonus miles are not available if you have received AAdvantage® bonus miles for a new AAdvantage® Globe™ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage® Globe™ account.
Every calendar year, receive four Admirals Club® Globe™ Passes.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.
Earn 1 AAdvantage® miles for every $1 spent on all other purchases.
Earn 60,000 American Airlines AAdvantage® bonus miles
Annual fee
$350
Regular APR
19.74% - 29.74% (Variable)
Recommended credit
Good, Excellent Credit
Why we chose it
The Citi AAdvantage Globe Mastercard is a mid-tier travel card designed for American Airlines flyers. It stands out for its combination of travel perks and value, offering Four Admirals Club Globe passes each calendar year (worth over $300), one annual American Airlines Companion Certificate after card renewal and up to $100 in statement credits on inflight purchases made on qualifying American Airlines flights each calendar year.
Cardholders also enjoy preferred Group 5 boarding on American Airlines flights, up to $240 in annual Turo credits (up to $30 in statement credits for each eligible completed trip on Turo) and access to Citi Entertainment presales and experiences, making it a well-rounded option for travelers who want premium perks without the premium price tag.
The card also stands out for its Flight Streak bonus, rewarding cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year. This is the only card currently available that offers this feature.
Pros + cons
Pros
Four Admirals Club Globe passes per calendar year (each valid for 24 hours)
One American Airlines Companion Certificate each year after card renewal
Free first checked bag (on qualifying domestic American Airlines itineraries) for the primary cardmember and up to eight companions on the same reservation
Flight Streak bonus rewards cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year
Up to $120 in Global Entry or TSA PreCheck fee credits every four years (issued as statement credits every four years, as reimbursement for the application fee)
Up to $100 Annual Splurge Credit each calendar year (choice of two eligible categories)
Cons
Complimentary lounge access is limited to four passes per year
$350 annual fee
More details
Earn 60,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases in the first 3 months of account opening.
American Airlines AAdvantage® bonus miles are not available if you have received AAdvantage® bonus miles for a new AAdvantage® Globe™ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage® Globe™ account.
Limited-Time Offer
Best for American Airlines lounge access
Citi® / AAdvantage® Executive World Legend Mastercard®
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
Pros + cons
Pros
Admirals Club membership
Annual American Airlines Vacations credit
Complimentary Avis President’s Club Status and Omni Hotels & Resorts Champion Status
Earn bonus Loyalty Points toward AAdvantage elite status
Free checked bag and priority airport benefits on eligible American Airlines itineraries
Annual credits for eligible inflight and Admirals Club purchases
Cons
Has a large annual fee
Statement credits may be difficult to maximize if you don't regularly use the eligible services
Authorized user fee
More details
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
Limited-Time Offer
Best for American Airlines lounge access
Citi® / AAdvantage® Executive World Legend Mastercard®
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Pros + cons
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
More details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more.
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
Pros + cons
Pros
The only major issuer with American Airlines as a travel partner
Four Admirals Club passes annually
Up to $1,100 in combined lifestyle and travel statement credits
High earning potential through Citi Travel and weekend dining
No foreign transaction fees
Cons
Limited travel bonus categories outside of Citi Travel
Limited lounge access compared to other premium travel cards
Authorized user fee of $75
More details
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Best for earning AAdvantage miles without flying
Citi Strata Elite℠ Card
TPG editor's rating
Best for premium travel perks and digital entertainment
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
Best for premium travel perks and digital entertainment
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Pros + cons
Pros
Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal
Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com
Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases
Cons
$95 annual fee
It can be difficult to get good value from the $100 annual hotel benefit
More details
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,800 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Pros + cons
Pros
Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $2,800 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee
Cons
Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
More details
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
Best for travel credits
Chase Sapphire Reserve®
TPG editor's rating
Best for Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Pros + cons
Pros
No annual fee
Solid reward rates in popular bonus categories
Flexibility to self-select a bonus category that earns 3 points per dollar spent
Cons
Available self-select bonus categories may not be suitable for everyone
More details
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
Best for Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card
Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
and
Good, Excellent Credit
American Airlines AAdvantage® bonus miles are not available if you have received AAdvantage® bonus miles for a new AAdvantage® Globe™ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage® Globe™ account.
Every calendar year, receive four Admirals Club® Globe™ Passes.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.
Earn 1 AAdvantage® miles for every $1 spent on all other purchases.
Every calendar year, receive four Admirals Club® Globe™ Passes.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.
Earn 1 AAdvantage® miles for every $1 spent on all other purchases.
Nick Ewen is TPG's editor-in-chief and helps readers leverage credit cards (he has more than 25 of them) and loyalty programs to travel more for less. He's been at TPG for over 11 years.
Compliance associate Lakeisha Robinson has 12 years of compliance experience. She uses her credit card knowledge, passion for travel and general compliance rules to ensure that she and her team share the most accurate and compliant content with TPG readers.
3.5
at Citi's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
1X
1 AAdvantage® miles for every $1 spent on other purchases
Intro offer
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles
Annual fee
$695
Regular APR
19.74% - 29.74% (Variable)
Recommended credit
670-850
Excellent, Good
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
Why we chose it
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
View more
Pros
Admirals Club membership
Annual American Airlines Vacations credit
Complimentary Avis President’s Club Status and Omni Hotels & Resorts Champion Status
Earn bonus Loyalty Points toward AAdvantage elite status
Free checked bag and priority airport benefits on eligible American Airlines itineraries
Annual credits for eligible inflight and Admirals Club purchases
Cons
Has a large annual fee
Statement credits may be difficult to maximize if you don't regularly use the eligible services
Authorized user fee
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
Why we chose it
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
Pros + cons
Pros
Admirals Club membership
Annual American Airlines Vacations credit
Complimentary Avis President’s Club Status and Omni Hotels & Resorts Champion Status
Earn bonus Loyalty Points toward AAdvantage elite status
Free checked bag and priority airport benefits on eligible American Airlines itineraries
Annual credits for eligible inflight and Admirals Club purchases
Cons
Has a large annual fee
Statement credits may be difficult to maximize if you don't regularly use the eligible services
Authorized user fee
More details
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
Why we chose it
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
Pros
Admirals Club membership
Annual American Airlines Vacations credit
Complimentary Avis President’s Club Status and Omni Hotels & Resorts Champion Status
Earn bonus Loyalty Points toward AAdvantage elite status
Free checked bag and priority airport benefits on eligible American Airlines itineraries
Annual credits for eligible inflight and Admirals Club purchases
Cons
Has a large annual fee
Statement credits may be difficult to maximize if you don't regularly use the eligible services
Authorized user fee
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
at Citi's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles
Annual fee
$695
Regular APR
19.74% - 29.74% (Variable)
Recommended credit
670-850
Excellent, Good
Why we chose it
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
Pros + cons
Pros
Admirals Club membership
Annual American Airlines Vacations credit
Complimentary Avis President’s Club Status and Omni Hotels & Resorts Champion Status
Earn bonus Loyalty Points toward AAdvantage elite status
Free checked bag and priority airport benefits on eligible American Airlines itineraries
Annual credits for eligible inflight and Admirals Club purchases
Cons
Has a large annual fee
Statement credits may be difficult to maximize if you don't regularly use the eligible services
Authorized user fee
More details
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
4.5
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5x
Earn 5x on travel purchased through Chase Travel℠.
3x
Earn 3x on dining, vacation homes, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs).
2x
Earn 2x on all other travel purchases.
1x
Earn 1x on all other purchases.
Intro offer
75,000 bonus points
Annual fee
$95
Regular APR
19.24% - 27.49% Variable
Recommended credit
670-850
Excellent/Good
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs
Member FDIC
Why we chose it
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
View more
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs
Member FDIC
Why we chose it
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Pros + cons
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
More details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs
Member FDIC
Why we chose it
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
75,000 bonus points
Annual fee
$95
Regular APR
19.24% - 27.49% Variable
Recommended credit
670-850
Excellent/Good
Why we chose it
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Pros + cons
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
More details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs
Member FDIC
3.5
at Citi's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
12X
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
6X
Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
6X
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
1.5X
Earn 1.5 Points per $1 spent on All Other Purchases.
Intro offer
Earn 75,000 bonus Points
Annual fee
$595
Regular APR
20.74% - 28.74% (Variable)
Recommended credit
740-850
Excellent
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
No Foreign Transaction Fees
Why we chose it
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
View more
Pros
The only major issuer with American Airlines as a travel partner
Four Admirals Club passes annually
Up to $1,100 in combined lifestyle and travel statement credits
High earning potential through Citi Travel and weekend dining
No foreign transaction fees
Cons
Limited travel bonus categories outside of Citi Travel
Limited lounge access compared to other premium travel cards
Authorized user fee of $75
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
No Foreign Transaction Fees
Why we chose it
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
Pros + cons
Pros
The only major issuer with American Airlines as a travel partner
Four Admirals Club passes annually
Up to $1,100 in combined lifestyle and travel statement credits
High earning potential through Citi Travel and weekend dining
No foreign transaction fees
Cons
Limited travel bonus categories outside of Citi Travel
Limited lounge access compared to other premium travel cards
Authorized user fee of $75
More details
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
No Foreign Transaction Fees
Why we chose it
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
Pros
The only major issuer with American Airlines as a travel partner
Four Admirals Club passes annually
Up to $1,100 in combined lifestyle and travel statement credits
High earning potential through Citi Travel and weekend dining
No foreign transaction fees
Cons
Limited travel bonus categories outside of Citi Travel
Limited lounge access compared to other premium travel cards
Authorized user fee of $75
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
at Citi's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn 75,000 bonus Points
Annual fee
$595
Regular APR
20.74% - 28.74% (Variable)
Recommended credit
740-850
Excellent
Why we chose it
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
Pros + cons
Pros
The only major issuer with American Airlines as a travel partner
Four Admirals Club passes annually
Up to $1,100 in combined lifestyle and travel statement credits
High earning potential through Citi Travel and weekend dining
No foreign transaction fees
Cons
Limited travel bonus categories outside of Citi Travel
Limited lounge access compared to other premium travel cards
Authorized user fee of $75
More details
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
No Foreign Transaction Fees
4.5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5X
Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Intro offer
As High As 175,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
View more
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As 175,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
Why we chose it
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
at Citi's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
10X
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
3X
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
1X
Earn 1 Point per $1 spent on all other purchases
Intro offer
Earn 60,000 bonus ThankYou® Points
Annual fee
$95
Regular APR
19.74% - 27.74% (Variable)
Recommended credit
670-850
Excellent, Good
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases
Why we chose it
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
View more
Pros
Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal
Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com
Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases
Cons
$95 annual fee
It can be difficult to get good value from the $100 annual hotel benefit
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases
Why we chose it
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Pros + cons
Pros
Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal
Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com
Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases
Cons
$95 annual fee
It can be difficult to get good value from the $100 annual hotel benefit
More details
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases
Why we chose it
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Pros
Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal
Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com
Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases
Cons
$95 annual fee
It can be difficult to get good value from the $100 annual hotel benefit
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
at Citi's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn 60,000 bonus ThankYou® Points
Annual fee
$95
Regular APR
19.74% - 27.74% (Variable)
Recommended credit
670-850
Excellent, Good
Why we chose it
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Pros + cons
Pros
Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal
Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com
Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases
Cons
$95 annual fee
It can be difficult to get good value from the $100 annual hotel benefit
More details
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases
4.5
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
8x
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠.
4x
Earn 4x points on flights and hotels booked direct.
3x
Earn 3x points on dining worldwide.
1x
Earn 1x points on all other purchases.
Intro offer
100,000 bonus points
Annual fee
$795
Regular APR
19.49% - 27.99% Variable
Recommended credit
740-850
Excellent
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
Member FDIC
Why we chose it
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,800 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
View more
Pros
Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $2,800 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee
Cons
Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
Member FDIC
Why we chose it
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,800 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Pros + cons
Pros
Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $2,800 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee
Cons
Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
More details
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
Member FDIC
Why we chose it
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,800 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Pros
Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $2,800 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee
Cons
Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
100,000 bonus points
Annual fee
$795
Regular APR
19.49% - 27.99% Variable
Recommended credit
740-850
Excellent
Why we chose it
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,800 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Pros + cons
Pros
Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $2,800 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee
Cons
Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
More details
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
Member FDIC
4
at Citi's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5X
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com.
3X
Earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
3X
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
2X
Earn 2 ThankYou® Points for each $1 spent at Restaurants.
1X
Earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
Intro offer
Earn 20,000 bonus Points
Annual fee
$0
Regular APR
18.74% - 28.74% (Variable)
Recommended credit
670-850
Excellent, Good
No Annual Fee
Why we chose it
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
View more
Pros
No annual fee
Solid reward rates in popular bonus categories
Flexibility to self-select a bonus category that earns 3 points per dollar spent
Cons
Available self-select bonus categories may not be suitable for everyone
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
No Annual Fee
Why we chose it
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Pros + cons
Pros
No annual fee
Solid reward rates in popular bonus categories
Flexibility to self-select a bonus category that earns 3 points per dollar spent
Cons
Available self-select bonus categories may not be suitable for everyone
More details
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
No Annual Fee
Why we chose it
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Pros
No annual fee
Solid reward rates in popular bonus categories
Flexibility to self-select a bonus category that earns 3 points per dollar spent
Cons
Available self-select bonus categories may not be suitable for everyone
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
at Citi's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn 20,000 bonus Points
Annual fee
$0
Regular APR
18.74% - 28.74% (Variable)
Recommended credit
670-850
Excellent, Good
Why we chose it
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Pros + cons
Pros
No annual fee
Solid reward rates in popular bonus categories
Flexibility to self-select a bonus category that earns 3 points per dollar spent
Cons
Available self-select bonus categories may not be suitable for everyone
More details
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
