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Citi Double Cash benefits guide

This flat-rate cash back Citi card offers a decent sign-up bonus and numerous redemption options for its rewards

Published: August 29, 2022

Author: Nicole Dieker

Editor: Kaitlyn Tang

Reviewer: Claire Dickey

How we Choose

With the Citi Double Cash, you earn up to 2 percent cash back on every purchase you make and pay off — but what are the card’s other benefits? Read on to learn more about all the card’s perks, including its 0 percent intro APR on balance transfers.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards , or use our CardMatch™ tool to find cards matched to your needs.

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The Citi Double Cash® Card comes with a unique cash back offer — the opportunity to earn an unlimited 1 percent cash back on every purchase, as well as an additional 1 percent back every time you make on-time payments on those purchases. Essentially, you can earn a full 2 percent cash back on every purchase you make and pay off, which provides an incentive for you to pay off your balances as quickly as possible.

But what are the other Citi Double Cash benefits? Let’s take a closer look at the benefits of the Citi Double Cash Card, which include the ability to turn your cash back rewards into Citi ThankYou points and a 0 percent intro APR period on balance transfers.

The Citi Double Cash at a glance

As a flat-rate cash back card , the Citi Double Cash Card provides a unique rewards offer, of up to 2 percent cash back, that helps motivate you to pay off your credit card bill in full. It also gives you 18 months of a 0 percent APR (18.49 percent to 28.49 percent variable APR after) to pay off old debt without accruing interest charges. Eighteen months is a fairly standard time period among balance transfer offers and should be ample time for you to resolve your debt.

Earning rewards

Flat cash back

The Citi Double Cash Card offers an unlimited 1 percent cash back on all purchases, along with the opportunity to double your cash back when you make on-time payments on those purchases. For cardholders who regularly pay off their balances in full, it’s a straightforward offer, making it easy and effortless to earn up to 2 percent cash back on all your purchases.

Some people may discount the Citi Double Cash as low earning for its simplicity, but don’t count it out too quickly. In fact, compared to its sister card, the Citi Custom Cash℠ Card , another top cash back credit card, the Citi Double Cash earns more cash back in a year for high spenders.

Let’s look at a spend example. If you charge $24,000 in a year on your Citi Double Cash, you would earn $480 in cash back. However, because the Citi Custom Cash Card’s 5 percent category caps out at $500 per billing cycle and all other purchases after that earn 1 percent, $24,000 on the card would also yield $480. Essentially, those who spend annually $24,000 or more will earn more cash back with the Citi Double Cash’s unlimited cash back.

Sign-up bonus

Sometimes lacking one and sometimes offering one, the Citi Double Cash currently boasts a decent welcome offer. New cardholders who spend $1,500 in the first six months will earn $200 in cash back. Considering other welcome bonuses on the market , the $1,500 spending goal is relatively manageable, especially since you have six months to achieve it, which requires you to spend only $250 a month across the six months.

Redemption options

The Citi Double Cash Card has plenty of redemption options to enjoy the rewards your card earns. Though technically a cash back card, this card actually earns rewards as ThankYou points, which are quite versatile. Every 100 ThankYou points are worth $1 in cash back, and they can be used to book travel through the Citi travel portal, shop online and more.

Note, the card technically earns “basic” ThankYou points , meaning you won’t be able to transfer them to Citi airline or hotel partners.

You can also turn your ThankYou points into cash back redemption methods like statement credits, deposits into checking or savings accounts or mailed checks.

Balance transfer offer

One of the best Citi Double Cash benefits is its 0 percent intro APR offer — meaning no interest for 18 months on balance transfers, followed by a variable APR of 18.49 percent to 28.49 percent. The card even has an intro balance transfer fee of $5 or 3 percent (whichever is higher) on balance transfers performed in the first four months of opening your account. After that, the fee goes up to $5 or 5 percent, whichever is higher.

For most cardholders who have a little bit of credit debt accumulated from another high-interest card, the Citi Double Cash’s zero-interest offer should be enough time to pay that debt off.

Other benefits

The Citi Double Cash Card is a no-annual-fee credit card , which also means it doesn’t offer as many benefits and perks as cards that do charge an annual fee.

Nevertheless, the Citi Double Cash does offer a few useful perks, like 24-hour fraud protection and zero liability on authorized charges in case any fraudulent charges are found on your account. As a Citi cardholder, you’ll also have access to Citi Entertainment , which gives you exclusive presale tickets to concerts and sporting events and dinners by renowned chefs.

How to maximize your Citi Double Cash benefits

If you want to maximize your Citi Double Cash rewards, make sure you pay off your credit card balances every month. Remember, you only earn 1 percent cash back on every purchase if you don’t pay off that purchase at the end of the billing cycle, which undermines much of the card’s value. If you make a late credit card payment , you won’t earn the additional 1 percent.

For those with a little bit of credit debt, we recommend transferring your balances to the Citi Double Cash. Since the card lacks a 0 percent intro APR on new purchases, you should work on paying off those balances before charging anything with your new card. And, of course, be sure to meet that $1,500 spend goal within the first six months so that you can earn your sign-up bonus, worth $200. It’s only a good thing that the Citi Double Cash currently offers a welcome bonus, so you should capitalize on it while it lasts.

We also recommend using your rewards as Citi ThankYou points, rather than as cash back. Though redemption options like statement credit and cash back are tempting for their simplicity, the average worth of these is 0.5 cents per point. Instead, we recommend redeeming your ThankYou points for travel on the Citi travel portal or even home mortgage or student loan repayments, as these make points worth 1 cent apiece.

Bottom line

The biggest benefit of the Citi Double Cash Card is the opportunity to double your cash back every time you make on-time credit card payments. While you won’t get much in the way of travel perks or similar extra benefits, the ability to earn up to 2 percent cash back on every purchase you pay off is a huge win. And when you add in the Citi Double Cash balance transfer offer, the card becomes a double win.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Nicole Dieker is a freelance writer with a focus on personal finance and habit formation. She spent five years as a writer and editor at The Billfold, a personal finance site where people had honest conversations about money, and she regularly teaches classes on how to build your income as a freelancer.

Learn more about Card advice

Basic ThankYou points: What does that actually mean?

Some Citi credit cards that earn ThankYou points have better redemption options. Combining points from multiple Citi cards can help you maximize the value of your ThankYou points.

Guide to Citi Custom Cash Card's rewards and benefits

The Citi Custom Cash Card offers cash back that adapts to your spending habits. It may be worth a look if you’re interested in flexible rewards.

Earn 60,000 bonus points with the Citi Premier Card

How to get preapproved for a Citi card

How to request a credit limit increase with Citi

How to earn and use Citi ThankYou points

Explore more categories

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Citi Double Cash Card benefits guide

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Key takeaways

The Citi Double Cash® Card is an excellent flat-rate rewards card that can earn you 2 percent cash back on all purchases — 1 percent when you make a purchase and 1 percent when you pay it off, with no categories to keep track of.
If you have high-interest debt, the card's 0 percent intro APR offer on balance transfers for 18 months (variable APR of 19.24 percent to 29.24 percent after) can help you consolidate debt and save money on interest.
To maximize your card, first understand your financial goals — either to earn straightforward rewards on your spending or consolidating and paying down high-interest debt — to avoid taking on new debt your budget may not be positioned to pay off.

When it comes to earning credit card points, you should understand the different types of rewards credit cards to find the right fit. Some people benefit the most from rewards credit cards that offer different bonus categories, or from travel credit cards that let them earn points good for airfare, hotels and other travel bookings. However, there are also cash back credit cards to consider, including ones that let you earn a flat rate of rewards for each dollar you spend.

The Citi Double Cash® Card * is among the top rewards credit cards in the latter category due to its flat earning rate, yet this card is also popular for consumers who need to consolidate and pay down high-interest debt .

If you want to earn the highest flat rate of cash back you possibly can, or if you need to pay down debt, the Citi Double Cash should be at the top of your list. Read on to learn about the main details of this offer, including the benefits you’ll get if you sign up and if this card is worth it for you.

Citi Double Cash Card benefits

Flat cash back rewards.

Cardholders who sign up for the Citi Double Cash get the chance to earn a total of 2 percent cash back for each dollar they spend — 1 percent back when a purchase is made and another 1 percent when it is paid off. The Citi Double Cash doesn’t charge an annual fee, and there are no limits to the rewards you can earn.

Separately, this card also gives you an introductory 0 percent intro APR on balance transfers for 18 months, followed by a variable APR of 19.24 percent to 29.24 percent based on your creditworthiness. This perk doesn’t necessarily combine well with the rewards aspect of this card, but you can use it to consolidate and pay down high-interest debt from other cards and save money along the way.

0 percent intro APR balance transfer

The Double Cash’s intro APR offer only applies to balance transfers, and not purchases. With that in mind, you should know that purchases you make with your card will accrue interest at the regular variable APR if you carry a balance from month to month.

If you plan to use this card’s intro APR offer to consolidate debt , we suggest not using your card for purchases while you pay off old balances. This will allow you to focus on debt repayment without being enticed by rewards and racking up new balances you can’t afford to pay off.

Balance transfer example

How much money can you save if you transfer a balance to the Citi Double Cash? This all depends on the specifics of your situation. But let’s consider an example.

Let’s say you owe $6,500 in credit card debt at a current APR of 21 percent. You’ve calculated that you can afford to pay $375 a month toward your balance. And at that rate, you could become debt-free in 21 months — although you would pay $1,313 in interest along the way.

If you transferred the $6,500 balance to the Citi Double Cash, you would pay a 3 percent (minimum $5) intro balance transfer fee if completed after four months of account opening. This means you would begin debt repayment with a balance of $6,695. With the same $375 monthly payment, however, you could pay off the entire balance in about 18 months with $0 in interest charges — saving you more than $1,100.

Other protections and benefits

The Citi Double Cash doesn’t have many consumer protections or perks, but there are a few to be aware of. Consider the following benefits and how you might use them when gauging the total value of this offer.

Lost wallet service

If your wallet is lost or stolen, Citi will replace your credit card in a short period of time, usually within 24 hours. Citi can also provide you with emergency cash to spend, provided you have cash advance availability within your credit limit.

Citi Entertainment

The Citi Double Cash can help you gain access to special presale tickets and events that may not be open to the general public. Events available within Citi Entertainment can include concerts, sporting events, culinary experiences and more.

Flexible redemption options

While the Citi Double Cash is a cash back credit card at heart, you have several different options when it comes to redeeming your rewards.

Cash back or statement credit. You can request a check in the mail for your rewards once your rewards balance is at least $25. You can also request a statement credit to your card when your rewards balance is at least $25, or ask for a credit to a linked Citi checking or savings account (as long as you have used that account to pay your Citi credit card bill at least twice).
Convert your rewards to Citi ThankYou points. If you have another Citi credit card that earns Citi ThankYou points (or just want to have more options for redeeming your rewards), you can also convert rewards earned with the Citi Double Cash to Citi ThankYou points . You’ll need a minimum of $1 in rewards to make this conversion.

Maximizing the Citi Double Cash Card

If you are thinking of signing up for the Citi Double Cash, we suggest figuring out your goals first. Here are the two strategies to consider once you’re a card member.

Earn rewards on all your purchases

The Citi Double Cash lets you earn one of the best flat rates among all cash back credit cards, and you don’t have to keep track of bonus categories or limits. Use your card for all your spending and regular bills and earn a total of 2 percent cash back for each dollar you spend — 1 percent when you make a purchase and another 1 percent when you pay it off.

Consolidate and pay down high-interest debt

Instead of focusing on rewards, you can use the Citi Double Cash to consolidate and pay down high-interest debt. We suggest transferring as much high-interest debt to this card as you can, then figuring out how to pay off as much as you can within the 18-month introductory period. Remember that any remaining balances you have will begin accruing interest at the regular variable APR after your offer ends.

The bottom line

This guide explains the main perks you can get as a cardholder and the strategies you can use to make the most of this offer. Even so, you should take the time to compare Citi Double Cash Card’s benefits with the perks you get from other rewards credit cards.

If you can’t decide on a single rewards credit card for your wallet, you can also pair up a few cards with different rewards structures and perks. Be sure to research the top credit card combinations before you decide.

Why I love the Citi Double Cash Card

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Is the Citi Double Cash Card worth it?

Citi Double Cash Credit Card Review

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Citi Double Cash Card — Full Review [2024]

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Citi Double Cash ® Card

$200 cash back

0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable

Fair to Excellent (580-850)

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

The Citi Double Cash ® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points . This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Card Snapshot

Welcome bonus & info.

Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou ® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Citi Double Cash ® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel SM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.

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Rewards Center

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Customer Service Number

1-888-248-4226

Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Flexible redemption options
No annual fee
No bonus categories
3% foreign transaction fees
Lack of premium travel benefits

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Great card if.

You want a card with no annual fee
You prefer a card with a basic earning structure, so you don’t have to memorize bonus categories

Don’t Get If

You want a card that offers premium travel perks
You want a card that does not charge foreign transaction fees
You want a card that offers bonus categories for the things you spend the most on

Double Cash Card — Is It Worth It?

The Double Cash card is an excellent option for those who are looking for a no-annual-fee card that offers a simple but strong earning structure and flexible redemption options.

Since you earn an uncapped 2% back on all purchases (1% at time of purchase and 1% when you pay), without an annual fee, the Citi Double Cash is easily one of the best credit cards for monthly bills and other non-bonused purchases.

Double Cash Card Top Benefits

Introductory apr.

Since the typical user of this card is not spending heavily in any given category, they may want to use this card as a way to float some cash.

0% intro APR on balance transfers for 18 months . After that, the variable APR will be 19.24% - 29.24%

There is absolutely no hassle as long as you pay the minimum fee each month (go to the Citibank login right away and set up autopay), allowing you to accrue some quick cash if you need it.

If you’re using the intro APR, just be sure you’ve got a plan to have the cash available by the end of the introductory offer; the APR will be retroactive for anything not paid off by that time.

Other Benefits of the Double Cash Card

While this card is a fairly simple, no-frills card, there are a few more benefits worth mentioning.

First, there is no maximum to the double rewards that you can earn. Whether you spend $1,000 or $100,000 a year, you’ll still earn a total of 2% on all purchases (1% at time of purchase and 1% when you pay).

Plus, your Citi ThankYou Points can be redeemed for cash-back, travel, gift cards, and more.

Double Cash cardholders can transfer their ThankYou Points to Choice Privileges at a 1:1.5 ratio and Wyndham Rewards and JetBlue TrueBlue at a 1:0.8 ratio. But , if you have a premium Citi ThankYou Rewards card like the Citi Premier ® Card or Citi Prestige ® Card , you can pool your points together between the cards and then transfer them to any of the full suite of Citi ThankYou transfer partners.

Best Ways To Earn and Redeem Your Citi Points

While you’ll rack up Citi ThankYou Points fast (which is earned as points), there are lots of other great options that help you earn more Citi ThankYou Points , as well.

When it comes time to redeem, the best option goes to those who also hold a premium ThankYou Rewards card like the Citi Premier card or the Citi Prestige card, as they can transfer the points earned from your Double Cash card and have access to the full list of Citi transfer partners .

This will unlock all of the best ways to redeem Citi ThankYou Points , which include using your points to book luxurious first and business class award tickets!

Alternative Card to the Double Cash Card

Chase freedom unlimited ®.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

The Chase Freedom Unlimited ® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Travel
3% back on dining and drugstore purchases
3% foreign transaction fee
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited ® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Chase Ultimate Rewards

The Freedom Unlimited card is another compelling no-annual-fee card but earns 5% back on travel through the Chase travel portal , 3% back on dining and drugstore purchases, plus 1.5% cash-back on all other purchases instead of 2%, 1% at the time of purchase and 1% when you pay, offered with the Double Cash card. The Freedom Unlimited card can also earn Chase Ultimate Reward points when paired with a premium Chase card like the Chase Sapphire Preferred ® Card or the Chase Sapphire Reserve ® .

Read more about how these 2 cards compare: Double Cash card vs. Freedom Unlimited card

We’ve compared the Double Cash card to other popular cards:

Double Cash card vs. Capital One Venture Rewards Credit Card
Double Cash card vs. Citi Premier ® Card

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Premier ® Card has expired and the card is no longer open to applicants. The information for the Citi Prestige ® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Is the double cash card worth it.

The card is a great beginner card for those looking to get started in the credit card points world . Thanks to its uncapped 2% ThankYou Points per $1 on all purchases, flexible redemptions, and no annual fee, it makes a great addition to your wallet.

What is the Double Cash card annual fee?

$0 — there is no annual fee on this card.

What is the Double Cash card foreign transaction fee?

The foreign transaction fee on the card is 3%.

What credit score is needed for the Double Cash card?

There is no specific credit score required to apply for the Double Cash card, nor is there one that will guarantee your approval should you decide to apply. Citi will take your credit score into consideration, along with other factors like your stated income, years of credit history, and the average age of your credit accounts.

But generally speaking, you should feel good about your approval odds on the Double Cash card if your credit score is at least 700 and you have a few years of credit history.

Which card is better: the Chase Freedom Flex℠ Credit Card or the Double Cash card?

Neither card is necessarily better than the other. But some will find one card to be much better suited for them based on their unique needs.

While neither card charges an annual fee, the Freedom Flex card earns 5% back on rotating quarterly categories , 5% back on travel purchased through the Chase travel portal, 3% back on dining and drugstores, and 1% back on all other purchases.

Meanwhile, the Double Cash card does not offer any bonus categories but earns an uncapped 2% back on all purchases.

So, if your spending patterns mainly fall within the bonus categories of the Freedom Flex card, then that would be a much better fit for you. If your spending habits are varied, or you don’t want to be bothered with memorizing different categories, then go with the Double Cash card.

Is the Double Cash card a Visa or Mastercard?

The Double Cash card is a Mastercard and is accepted anywhere in the world that Mastercard is accepted.

Where can I transfer my ThankYou Points earned with the Double Cash card?

If you do not also hold a premium ThankYou Point earning card like the Citi Prestige card or Citi Premier card, then your only transfer partner options will be Choice Privileges at a 1:1.5 ratio and Wyndham Rewards and JetBlue TrueBlue at a 1:0.8 ratio.

If you do pair your Double Cash card with a premium ThankYou Rewards card, you will have access to all of Citi’s transfer partners.

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

6 ways to maximize the Citi Double Cash Card

Allie Johnson

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

Robin Saks Frankel

Published 5:50 a.m. UTC April 1, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

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Citi is a Blueprint partner.

The Citi Double Cash® Card is one of the best 2% cash-back credit cards on the market, offering an unlimited 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. But while the card’s rewards structure is straightforward, you still have opportunities to get extra value.

Whether you’re considering applying for the Citi Double Cash Card or you already have it in your wallet, here are six ways you can make the most of the card’s features.

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Citi Double Cash® Card

Welcome bonus

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Regular APR

Credit score.

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

Editor’s take

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

Card details

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

1. Accelerate your cash back with the welcome bonus

Historically, the Citi Double Cash Card hasn’t offered a cash bonus to new cardholders. But in November 2023, the card issuer added a welcome offer to the card.

Now, you’ll earn $200 cash back after spending $1,500 on purchases in the first six months of account opening. That’s a higher spending requirement than similar cash-back bonus offers, but you get twice as long to meet the threshold, which comes out to just $250 in monthly spending over that time.

As you track your progress toward the welcome bonus, make sure to avoid spending more than you would normally just to earn it.

2. Use the card to book travel with Citi

The Double Cash Card typically doesn’t offer bonus rewards categories. However, through December 31, 2024, cardholders can earn an up to 5% cash back when booking hotels, car rentals and attractions through the Citi Travel portal.

3. Pay your balance in full each month

Rewards credit cards make it possible to get value from everyday spending, but carrying a balance can essentially wipe out your rewards by costing you more than you earn.

For example, let’s say you have an average daily balance of $1,000 for a given month and a 24% APR. If you pay off that balance in full, you won’t pay a dime in interest. However, if it takes you three months to pay off the debt, you’ll pay roughly $40 in interest, or double the amount you earned in cash back on the purchases.

4. Use your rewards to book flights with JetBlue

The Citi Double Cash Card is technically a cash-back credit card, but your rewards come in the form of ThankYou® Points.

The Citi ThankYou rewards program allows cardholders to transfer points to several airline and hotel loyalty program partners. If you only have the Double Cash card, you get access to just three of those transfer partners: JetBlue TrueBlue, Choice Privileges and Wyndham Rewards.

If you transfer your points to JetBlue, you’ll get 800 TrueBlue points for every 1,000 ThankYou points you move. That’s below the standard 1:1 transfer ratio you can expect from most travel rewards programs. However, TrueBlue points are worth an average of 1.6 cents apiece, so you can still get more value than you would with cash back.

What can you do with the rewards earned on the Citi Double Cash card? Here’s our complete guide to earning and redeeming Citi ThankYou rewards

5. Pair the card with the Citi Premier® Card * The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Double Cash Card is an excellent choice for your everyday spending. But depending on your spending habits, you could get far more value out of your daily purchases by pairing the Double Cash with the Citi Premier® Card * The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .

The Citi Premier Card earns 3 ThankYou® points per $1 at restaurants, supermarkets, gas stations, air travel and hotels and 1 point per $1 on all other purchases.

By using the Citi Premier for its bonus rewards categories and the Double Cash for everything else, you’ll be able to rack up ThankYou points a lot faster. What’s more, the Citi Premier Card gives you full access to the card issuer’s list of transfer partners, plus a better 1:1 transfer ratio with the JetBlue TrueBlue program.

Citi allows you to combine points earned with different ThankYou credit cards, giving you a chance to maximize the rewards you earn with both cards.

Aren’t sure how to book travel through Citi? We’ll explain all about the Citi ThankYou travel portal

6. Pay down high-interest credit card debt

In addition to a welcome bonus, the Citi Double Cash Card also offers an introductory balance transfer offer. New cardholders can get a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 19.24% to 29.24%. An intro balance transfer fee of either $5 or 3%, whichever is greater, applies to transfers completed in the first 4 months. After that, the fee will be 5% of each transfer (minimum $5).

While balance transfer offers typically don’t get the same fanfare as welcome bonuses, a generous offer could give you far more value in the long run.

For example, let’s say that you have a $6,000 balance on a card with a 24% APR. If you were to pay off the debt over 18 months, you’d have a monthly payment of $400.21, and pay roughly $1,203 in interest.

However, if you transferred the balance to the Double Cash Card and paid it off in 18 months, you’d have a monthly payment of $343.33, and your only cost would be the $180 balance transfer fee (3% of each balance transfer; $5 minimum within the first 4 months of account opening) — that’s a savings of $1,023, or more than five times the value of the card’s welcome bonus.

Final verdict

People like the Citi Double Cash for its simplicity, but with the right approach, you can get even more value out of the card than it appears on the surface. If you’re already a Double Cash cardholder, consider how you might use some of these approaches to get even more value in the future.

If you don’t yet have the card, think about your situation and preferences, as well as these strategies, to determine whether the Double Cash Card is right for you.

Read more: How to choose the best cash-back card .

*The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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

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

Ben Luthi is a freelance writer who covers all things personal finance and travel. His work has appeared in dozens of online publications. Ben lives in Salt Lake City with his two children and two cats.

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

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

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Notificación importante

Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta.

Please be advised that verbal and written communications from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.

CITI TRAVEL with Booking.com

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

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

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

10x the fun with citi premier ®.

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

5X the Fun with Rewards+ ®

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

More Points, More Fun with Double Cash ®

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

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

Earn More Points with Custom Cash ®

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

Additional Citi Travel Portal Benefits

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

ThankYou ® Cards Make Every Day More Rewarding

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

Citi Travel: Frequently Asked Questions

What is the citi travel portal.

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

How do I book through the Citi Travel portal?

To book through the Citi Travel portal:

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

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

All Citi ThankYou ® Rewards Credit Cards

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

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

2 Earn a total of 5 ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 and saying "Travel". Offer is valid through 11:59 PM 12/31/2025. You earn 1 ThankYou ® Point per $1 spent on the Citi Travel portal bookings. You will earn an additional 4 bonus ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 through 11:59 PM 12/31/2025. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Rewards+ ® Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your Citi Rewards+ ® Card, only the portion paid with your card will earn points. Bonus points will take up to 3 billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

3 Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 and saying "Travel". Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024. You earn 1 ThankYou Point per $1 spent on the Citi Travel portal bookings and an additional 1 ThankYou Point per $1 paid on Eligible Payments (as defined in the Citi ThankYou ® Rewards Terms and Conditions for Citi Double Cash ® Card Accounts) made to your Citi Double Cash card account. You will earn an additional 3 bonus ThankYou Points per $1 spent on hotel, car rental, and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 through 11:59 PM Eastern Time (ET) 12/31/2024. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Double Cash Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your eligible Citi Double Cash card, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

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

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You now get World Elite Mastercard perks with the Citi Double Cash card

Update : Some offers mentioned below are no longer available. View the current offers here .

Citi is a TPG advertising partner.

One of the best perks of the Citi® Double Cash Card is, well, double cash back. You get 2% cash-back earnings on all purchases — 1% when you buy and another 1% as you pay — which is pretty tough to beat for a no-annual-fee card .

While fantastic for pure cash back (or ThankYou points with a linked account ), the Double Cash card was otherwise devoid of many perks.

Want more credit card news and travel advice from TPG? Sign up for the TPG daily newsletter.

That list of benefits was sparse and included contactless payment with a chip-enabled card, access to Citi Entertainment , a free ShopRunner membership and access to your FICO Score .

However, Citi has emailed some cardholders -- myself included -- that the Double Cash will be converted to a World Elite Mastercard. And there are several advantages that come with that designation. Note, some cardholders already have a Double Cash that is a World Elite.

Related: Comparing Visa Signature and World Elite Mastercard benefits

With this change for many Double Cash cardholders, you should now get access to an array of new extras including a Lyft and Boxed benefit.

With Lyft , you can take five rides in a month and get a $10 Lyft credit once per month for World Elite cardholders . With Boxed, you'll earn 5% cash rewards on orders for use on future purchases.

Unfortunately, one of the biggest perks of World Elite Mastercard criteria isn't included on the Citi Double Cash. A Citi spokesperson told TPG that the cell phone protection benefit is not included as part of this update.

However, World Elite cardholders -- including those that have the Double Cash -- do complimentary 24/7 concierge service, a Fandango benefit and more .

Related: Credit cards that cover cellphone loss and damage

With the Double Cash Card, you can convert your cash rewards to ThankYou points and have access to points transfer partners such as JetBlue. If Double Cash cardmembers also have a Citi Premier® Card or Citi Prestige card, they are able to access the full array of Citi's points transfer partners .

You'll earn 2 ThankYou points per dollar spent. Based on TPG's valuation of ThankYou points at 1.7 cents each , this means you can earn a 3.4% return (with the full array of Citi transfer partners).

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

These perks are certainly a welcome addition for those that have a Citi Double Cash card. The benefits should come at no extra cost for current and future cardholders -- great news in a world where sometimes the expectation is fewer perks, not more.

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Find the best credit card for you

Citi strata premier card replaces citi premier: enjoy travel insurance and other new benefits, in addition to a new name, the card offers new travel protections and bonus rewards categories..

Citi is an advertising partner.

Citi has rebranded its popular mid-tier Citi Premier® travel credit card as the Citi Strata Premier ℠ Card . The new Strata Premier Card is nearly identical to the old Citi Premier except it has additional travel protections, bonus spending categories and a new limited-time welcome offer .

If you're interested in applying for this card, here's what you need to know about the card's benefits and how to qualify for the intro bonus .

Citi Strata Premier℠ Card

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.; 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations; 1 Point per $1 spent on all other purchases

Welcome bonus

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

Regular APR

21.24% - 29.24% variable

Balance transfer fee

5% of each balance transfer, $5 minimum

Foreign transaction fee

Credit needed.

Good/Excellent

See rates and fees . Terms apply.

Citi Strata Premier℠ Card details

The Citi Strata Premier ℠ Card earns transferrable Citi ThankYou points and earns them in bunches. It also currently offers a welcome bonus worth 70,000 points after spending $4,000 in the first three months of account opening.

This bonus is worth $700 in gift cards, cash back or travel (booked through thankyou.com ). To potentially get even greater value, you can also transfer these points to any Citi ThankYou travel partners , including Air France/KLM (Flying Blue), Avianca, Singapore Airlines and Virgin Atlantic. Having the option to transfer your points unlocks all sorts of opportunities.

For example, you could take advantage of the monthly Flying Blue promo rewards and use the bonus points to book two round-trip economy awards flights from the U.S. to Europe which can easily cost over $500 a person depending on your itinerary. Want to go somewhere a little more tropical? Transfer those 70,000 points to Avianca LifeMiles and you have enough to book two round-trip economy awards flights from the U.S. to the Caribbean .

New Citi Strata Premier Card benefits

Aside from a new name and some travel protections, the new Citi Strata Premier is mostly the same as the Premier card it replaces.

One change is that the Strata Premier is making permanent the old Premier's limited-time spending category bonus of 10X points on hotels, car rentals and attractions when booked through CitiTravel.com You're also now able to earn 3X at EV charging stations.

But the most notable changes with the Strata Premier are the new travel coverages, including:

Trip cancellation/interruption
Lost or damaged luggage
MasterRental coverage (car rental insurance)

What's staying the same with the Citi Strata Premier Card?

The Citi Strata Premier's annual fee is staying at $95, and you'll continue to earn:

3X points on air travel
3X points on hotels (not booked through CitiTravel.com)
3X points at restaurants
3X points at supermarkets
3X points at gas stations
1X points on all other purchases

You'll still receive an annual hotel benefit valid for $100 off a single hotel stay of $500 or more that you book through CitiTravel.com. This card continues to have no foreign transaction fees and access to Citi Entertainment as well as all of the same Citi ThankYou transfer partners.

As before, if you have a Citi cash-back card, such as the Citi Double Cash® Card or the Citi Custom Cash® Card , you can pair it with the Citi Strata to convert your cash-back rewards into fully transferrable points.

Citi Double Cash® Card

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

Citi Custom Cash® Card

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

0% APR on balance transfers and purchases for first 15 months

5% of each balance transfer ($5 minimum)

Excellent, Good, Fair

Read our Citi Custom Cash ® Card review .

How to qualify for the Citi Strata Premier Card

You'll want a good-to- excellent credit score to have the best chance of being approved for the Citi Strata Premier. There is also an additional restriction for qualifying for this card's intro bonus. If you've received an intro bonus for the Strata Premier or the Premier card within the last 48 months, you can't earn the bonus again with a new Strata Premier Card.

It's important to note that this 48-month restriction applies to when you received the intro bonus points, not when you opened the account. If you opened a Citi Premier card in April of 2020 but didn't earn the intro bonus until early July 2020, you have to wait 48 months from July — not April — to be able to earn the Strata Premier's bonus.

Alternatives to the Citi Strata Premier Card

The Chase Sapphire Preferred® Card charges the same annual fee as the Strata Premier Card and offers similar benefits. It too earns transferrable travel rewards and has a long list of travel and purchase protections. But while the cards seem similar on the surface, dig a bit deeper and you'll find the Chase Sapphire Preferred Card has a few advantages over the Citi card.

The Chase Ultimate Rewards® airline and hotel transfer partners include programs such as World of Hyatt, Southwest Rapid Rewards and Air Canada Aeroplan, which help make Chase's network one of the best in the travel rewards space. The Sapphire Preferred also features more robust protections than the Strata Premier, including purchase protection and extended warranty protection on top of travel insurance.

Chase Sapphire Preferred® Card

Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Capital One Venture Rewards Credit Card (see rates and fees ) doesn't have the same long list of bonus spending categories you get with the Strata Premier. Instead, it earns at least 2X miles on every purchase, which makes it a strong option for everyday purchases outside of standard bonus categories. The Capital One Venture Rewards also allows you to transfer miles to a strong list of partner travel programs or keep things simple by offsetting travel purchases with miles at a rate of one cent each.

Capital One Venture Rewards Credit Card

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

N/A for purchases and balance transfers

19.99% - 29.99% variable

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

See rates and fees , terms apply.

Bottom line

The Citi Premier Card is now the Citi Strata Premier . With this renaming, a few of the benefits are changing, but it is largely the same card. However, the biggest weakness of the Citi Premier has been solved with this update, which includes the addition of travel insurance perks.

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Which credit cards earn rewards for Airbnb and VRBO stays?

This piece was last updated on Oct. 25, 2023, to reflect current credit card details.

The pandemic has changed so much about the way Americans and others around the world travel, including an unprecedented reduction in work-related trips. A December 2020 study from IdeaWorks even shows that business travel may stay depressed indefinitely, with a loss to airlines in the 19 percent to 36 percent range overall. Further, intracompany meetings, which make up 20 percent of business air trips, could decrease as much as 60 percent.

And, what about hotel stays? Obviously, fewer air trips for business travelers could easily result in fewer hotel stays and a declining focus on hotel loyalty. And with an extended focus on social distancing, the hotel industry, which caters to large crowds, is primed to struggle anyway.

With all this in mind, you may be wondering how you can earn rewards for Airbnb and VRBO stays. Doing so could make it easier for you to book more pandemic-friendly options, as well as larger properties that can work better for families.

How to earn points and miles on vacation rentals

Earning points and miles on vacation rentals requires you to sign up for a rewards credit card . However, there may be situations where you can earn rewards in a related program you belong to regardless of how you pay for your vacation rental booking.

Rumors of an Airbnb loyalty program abound, but Airbnb loyalists haven’t seen anything come together so far. Either way, earning rewards for Airbnb stays is easy with the right credit card, and you can even “double-dip” on your rewards.

For example, both Delta and British Airways have portals that let you earn miles when you book with Airbnb. The Delta Airbnb portal lets you rack up 1 mile for each dollar you spend on Airbnbs worldwide, and the British Airways Airbnb portal lets you earn 2 Avios for each dollar you spend. However, if you’re brand-new to the Airbnb program, you can earn 6 Avios per dollar spent on your first booking.

Many Airbnb enthusiasts also strategically buy gift cards in order to boost rewards on Airbnb stays. This can make sense if you have a credit card that earns bonus rewards at grocery stores and drugstores where Airbnb gift cards can be found or if you buy gift cards through the United MileagePlus app. Either option can let you earn more points on your Airbnb stay than you would if you booked it directly and paid with a rewards card.

With VRBO.com, you can book private homes, luxurious villas, condominiums and more, and you have a few different ways to earn more points. For starters, you’ll want to make sure you pay with a rewards credit card and maybe even a travel credit card that offers bonus points on travel bookings. Just keep in mind that, based on many reports, VRBO bookings do not always code as travel on your credit card statement. In some cases, your purchase may code as “property management” or “real estate” instead, in which case it wouldn’t qualify for bonus points if your card offers them.

You may also be able to earn some extra cash back if you click through a portal like Cashback Monitor or TopCashback before you make your VRBO booking. Both offer 3 percent in cash back at the time of this writing, although their promotions are always subject to change.

Redeeming credit card points for vacation rental stays

When it comes to redeeming rewards for vacation rental stays, the strategies to consider and the value of your points can vary widely. The best way to move forward will depend on the type of rewards you have taken the time to earn, and they can vary even more depending on the exact rewards credit card you have.

For example, if you have the Chase Sapphire Preferred® Card , your points are worth 1.25 cents each when you book vacation rentals through Chase Ultimate Rewards . Yet, points accrued with Chase Sapphire Reserve® are worth 1.5 cents each when used to book vacation rentals through the same process. You could also use either of these cards to make vacation rental bookings directly with VRBO.com or Airbnb then redeem your points for statement credits at a rate of 1 cent each.

Another solid travel credit card for Airbnb and VRBO bookings is the new Capital One Venture X Rewards Credit Card . This card lets you earn 10X miles on hotel and rental car Capital One Travel bookings and 5X miles on flights through Capital One Travel, plus 2X miles on all other purchases. Also, you can redeem your miles for any travel you want at a rate of 1 cent per mile. This means you can use this card to pay for your Airbnb or VRBO booking directly, then use your miles to make up for all or part of the charge.

Also, note that Wyndham Rewards stands out among other hotel loyalty programs due to its many vacation rental options. In fact, you can use points in this program to book Wyndham vacation rental properties, private homes or even vacation cottages on Cottages.com.

Best credit cards for earning rewards on Airbnb and VRBO stays

While an Airbnb rewards credit card is only a pipe dream, for now, there are plenty of rewards credit cards that can help you rack up points when you book a vacation rental. Here are Bankrate’s top credit cards for earning rewards on Airbnb and VRBO stays, as well as your other travel expenses.

Capital One Venture X Rewards Credit Card: Best for credits and bonuses

Welcome bonus of 75,000 miles after spending $4,000 on purchases within the first three months of opening your account
Earn 10X miles on hotel and rental car Capital One Travel bookings and 5X miles on flights through Capital One Travel, plus 2X miles on all other purchases
Up to $300 in annual Capital One Travel booking credit
Get a 10,000-mile account anniversary bonus
Receive up to $100 in credit toward your Global Entry or TSA Precheck application fee (every four years)
$395 annual fee

The Capital One Venture X Rewards Credit Card is the issuer’s first premium travel credit card, and it created quite the stir in the travel credit card world with its debut. You can use your rewards as statement credit to cover travel-related expenses you charge on your card, like vacation rentals. We should also note that Wyndham Rewards is one of Capital One’s transfer partners, which means you can transfer your points and use your rewards to book Wyndham vacation rentals or cottages, as well.

If you decide not to use your rewards for vacation rental bookings, you can transfer them to airline or hotel partners or use them to cover purchases made on Amazon.com or PayPal.com. Although this card comes with a hefty annual fee, the $300 in annual Capital One Travel credit and 10,000-mile anniversary bonus (worth $100) help justify that fee.

Capital One Venture Rewards Credit Card: Best for flat-rate rewards

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel, 2X miles for each dollar you spend
Receive up to $100 in credits toward Global Entry or TSA Precheck membership (every four years)
$95 annual fee

The Capital One Venture Rewards Credit Card is a more basic version of the Venture X card but offers many of the same features including the option to redeem rewards for statement credit to cover travel purcahses as well as the ability to book travel in Capital One’s travel portal . For a $95 annual fee, this Capital One credit card earns you 5X miles on hotels and rental cards purchased through the Capital One portal, 2X miles on every purchase you make and up to $100 in credits toward Global Entry or TSA Precheck membership every four years.

Chase Sapphire Preferred® Card: Best for flexibility

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem for travel through Chase Ultimate Rewards.
Enjoy benefits such as a $50 annual hotel credit for a stay booked through the Ultimate Rewards portal, 5X points on travel purchased through Chase Ultimate Rewards, 3X points on dining and 2X points on all other travel purchases.

If you want to earn generous rewards on vacation rental stays, but you also want some flexibility in your rewards program, the Chase Sapphire Preferred Card could be a good fit. This card lets you earn 2X points on travel purchases, including on Airbnb and VRBO stays, and you can also earn a generous welcome bonus. Note that you can redeem your rewards for vacation rentals through Chase Ultimate Rewards, but you can also transfer points to Chase airline and hotel partners. Other redemption options include gift cards, merchandise, cash back and statement credits. A $95 annual fee applies.

Chase Sapphire Reserve®: Best for luxury travel perks

Earn 60,000 points after spending $4,000 on purchases within your first three months
Earn 5X total points on air travel and 10X total points on hotels and car rentals (after earning your $300 annual travel credit) when you purchase travel through Chase Ultimate Rewards.
Earn 3X points on other travel and dining, and 1 point per dollar spent on all other purchases.
Major benefits include a $300 annual travel credit, Priority Pass Select airport lounge membership, DashPass Subscription ( $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. (Activate by December 12, 2024 )
$550 annual fee

If you want to earn rewards on Airbnb stays but also want access to luxury travel benefits, the Chase Sapphire Reserve could be the way to go. You’ll have to pay a $550 annual fee, but you’ll get benefits like a Priority Pass Select airport lounge membership, an up to $300 annual travel credit, a free DashPass membership (activation required) and more.

Citi® Double Cash Card: Best for earning cash back

Earn 2 percent cash back on all your purchases — 1 percent when you make a purchase and another 1 percent when you pay it off
No annual fee
Rewards can be used for statement credits, a check or a credit to a linked account once you have a cash rewards balance of $25 or more

The Citi® Double Cash Card is an excellent choice if you prefer to earn cash back when you book Airbnb and VRBO stays. This card lets you earn a total of 2 percent back on everything you buy — 1 percent when you make a purchase and another 1 percent when you pay it off. There’s no annual fee, and you can even redeem your rewards as cash back to cover your vacation rental stays. This card can also be good for balance transfers since you get an introductory 0 percent APR on balance transfers for 18 months, followed by a variable APR of 19.24 percent to 29.24 percent (transfers must be made in the first four months to qualify).

Additional options for booking Airbnb and VRBO stays (and other vacation rentals) with credit card rewards

There are many different ways to book a vacation rental for leisure or business travel, just as there are many ways to use rewards to cover the cost. The following strategies might help you get more bang for your buck the next time to use credit card rewards for vacation rental stays:

Buy gift cards with premium rewards credit cards. Grocery stores can be an excellent place to pick up gift cards for Airbnb or even VRBO, and the same is true for drugstores. If you use a credit card that offers more points on these purchases, you can boost your rewards haul compared to if you had booked the rental with your credit card directly. As an example, the Chase Freedom Unlimited® * offers 1.5 percent cash back on regular purchases and 3 percent cash back on dining at restaurants and drugstore purchases. Meanwhile, the Blue Cash Preferred® Card from American Express lets you earn 6 percent back on up to $6,000 spent at U.S. supermarkets each year (then 1 percent back).
Book through the Chase portal. While the Chase Ultimate Rewards portal lets you book vacation rentals with points, you can also book with a mix of points and cash or cash only. Fortunately, both Chase Freedom cards (the Chase Freedom Unlimited® and the Chase Freedom Flex℠ *) offer 5 percent back on travel bookings made through Chase Ultimate Rewards.
Consider hotel programs with vacation rental options. Also, be sure to look at hotel programs that offer vacation rental options, including Wyndham Rewards. You could even look at Marriott Rewards, which offers bookable units with kitchens and living areas with some of their brands, like Residence Inn.
Redeem for statement credits. Remember that, in some cases, it makes sense to redeem your rewards for statement credits. This option makes it possible to use cash back rewards for Airbnb or VRBO rentals or to use rewards to cover any other purchases made to your card.

The bottom line

Vacation rentals can be more convenient for large families and those who want to cook or have more space while on vacation. However, you shouldn’t just pay with any credit card. Do some research to find the best credit cards with Airbnb rewards or VRBO potential based on your needs and spending style, and you’ll be on your way to more free travel in no time.

The information about the Chase Freedom Unlimited® and Chase Freedom Flex SM has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Which credit cards earn rewards for Airbnb and VRBO stays?

Citi Enhances the Citi Premier Card with New Benefits to Make Travel Adventures More Rewarding

The card refresh also unveils a new name, travel protections from Mastercard and sleek design

NEW YORK - Today, Citi announced the Citi Strata Premier℠ Card – an enhancement of the existing Citi Premier® Card – now offering increased benefits and more opportunities to earn ThankYou® Points with the same $95 annual fee 1 , and Mastercard as the payments network. The newly redesigned card provides cardmembers with the opportunity of making travel more rewarding and adds travel protections for peace of mind.

The new name, Citi Strata Premier, evokes a sense of ambition and adventure, empowering cardmembers to reach new heights and unlock their passions. Accompanying the new name is a sleek, modern card design featuring distinctive treatments and sweeping wave lines, welcoming cardmembers into the new Citi Strata Premier experience.

“We heard from our cardmembers that they want be rewarded for their travels as well as their everyday spending,” said Anthony Merola, Head of Proprietary Products for U.S. Branded Cards at Citi. “The Citi Strata Premier Card now offers extra ways for cardmembers to earn on travel and turn their purchases into future experiences.”

The refreshed Citi Strata Premier Card offers new benefits including:

Now as an ongoing benefit, 10 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions when booking through the Citi Travel site 2
Trip Cancellation and Trip Interruption (Common Carrier) 4
Trip Delay 3
Lost or Damaged Luggage 3
Car Rental (MasterRental Coverage) 5
3 ThankYou Points for each $1 spent at EV Charging Stations

In addition to the new benefits, Citi Strata Premier cardmembers will continue to enjoy access to all existing benefits including:

3 ThankYou Points for each $1 spent on Air Travel and Other Hotel Purchases
3 ThankYou Points for each $1 spent on Restaurants
3 ThankYou Points for each $1 spent on Supermarkets
3 ThankYou Points for each $1 spent on Gas Stations
1 ThankYou Point for each $1 spent on all other purchases
A $100 Annual Hotel Benefit 6 - once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through the Citi Travel site
Complimentary breakfast for two
$100 resort credit 7
Early check-in, late check-out and room upgrades upon availability.
Access to Mastercard World Elite benefits, with offers on ride-sharing, food delivery, streaming, online shopping and more as well as access to Priceless® Experiences
No foreign transaction fees 1

With the ThankYou Rewards program, cardmembers can make every moment and every point count. ThankYou Points do not expire and there is no limit on the number of points cardmembers can earn with this card. Additionally, cardmembers can access valuable redemption options such as transferring ThankYou Points to participating airline and hotel partners.

Starting today and for a limited time, customers who apply for the Citi Strata Premier Card on CitiCards.com and are approved can earn 75,000 bonus ThankYou Points after spending $4,000 within the first three months of account opening. 8

“Over three quarters of American consumers are likely to leverage credit card travel benefits, so we partnered with Citi to refresh a card product that enhances their traveler experiences,” said Jason Lane, Executive Vice President, Global Account Management at Mastercard. “We’ve focused on essential benefits that travelers value, by adding protections that help make sure every journey is plain-sailing.”

For more information the Citi Strata Premier Card, visit citicards.com .

Citi is a preeminent banking partner for institutions with cross-border needs, a global leader in wealth management and a valued personal bank in its home market of the United States. Citi does business in nearly 160 countries and jurisdictions, providing corporations, governments, investors, institutions and individuals with a broad range of financial products and services.

Additional information may be found at www.citigroup.com | Twitter: @Citi | LinkedIn: www.linkedin.com/company/citi | YouTube: www.youtube.com/citi | Facebook: www.facebook.com/citi

Media Contact:

Gabrielle Baum 908-930-6320 [email protected]

1 The variable APR for purchases and balance transfers is 21.24% - 29.24%, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 21.24% - 29.24%, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is 29.99%. The variable penalty APR is up to 29.99%. Minimum interest charge - $0.50. Annual fee - $95. Fee for foreign purchases - None. Cash advance fee - 5% of each cash advance (min. $10). Balance transfer fee - 5% of each transfer (min. $5). Rates as of 05/13/2024.

2 Citi Travel Site: You will earn 10 ThankYou Points for each $1 spent on hotels, car rentals, and attractions when you use your Citi Strata Premier Card to book them through the Citi Travel site via CitiTravel.com or 1-833-737-1288 (TTY:711). For bookings made with a combination of points and your Citi Strata Premier Card, only the portion paid with your card will earn points. Points are not earned on cancelled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

3 Should you apply and be approved for the Citi Strata Premier Card more information will be provided in the Guide to Protection Benefits you receive with your card. Benefits are subject to terms, conditions, and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company.

4 Policy provides secondary coverage only

5 Coverage is secondary within the Eligible Renter’s country of residence.

6 Once per calendar year, enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through the Citi Travel site via CitiTravel.com (Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com) or 1-833-737-1288 (TTY:711).

7 Eligible experiences for the $100 resort credit varies by property

8 Bonus ThankYou® Points are not available if you have received a new account bonus for a Citi Premier® or Citi Strata Premier℠ account in the past 48 months. This offer is available if you apply through the method(s) provided in this document today. Offers may vary and this offer may not be available in other places where the card is offered.

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Table of Contents

Do Citi cards have travel insurance?

Car rental insurance, costco anywhere visa® card by citi travel insurance benefits, citi® / aadvantage® executive world elite mastercard® travel insurance coverage, does citibank offer travel insurance.

Citi credit cards provide a host of benefits, including some generous points and miles earning opportunities (depending on the card you have).

But, when it comes to travel insurance, let’s just say it’s not necessarily Citi cards' strong suit.

Still, there are Citibank travel insurance benefits you should know about to ensure you use the right card when paying for your next trip. Here are the primary benefits associated with Citi card travel insurance.

Only two Citi cards have travel insurance, and each one has a different set of benefits: The Costco Anywhere Visa® Card by Citi and the Citi® / AAdvantage® Executive World Elite Mastercard® .

Citibank Costco-Anywhere Visa Card Credit Card

on Citibank's application

Citibank Citi® / AAdvantage® Executive World Elite™ MasterCard® Credit Card

Both cards provide rental car insurance.

The Costco Anywhere Visa® Card by Citi also offers roadside assistance, worldwide travel accident insurance and a 24/7 concierge for travel and emergency assistance. The Citi® / AAdvantage® Executive World Elite Mastercard® , on the other hand, offers baggage protection, trip cancellation/interruption insurance and trip delay protections.

» Learn more: Best Citi credit cards right now

If you use either of the two Citi credit cards listed above to pay for a car rental, Citi travel insurance will protect any damages to a rental car up to $50,000.

This amount will cover the cost of repairs or the cash value of the car, whichever is lower. It applies anywhere you rent a car — there are no geographic limitations — as long as the rental period is no longer than 31 days. Citibank travel insurance covers accidental damage, theft, vandalism or a natural disaster, and any necessary towing costs.

Citi's rental car insurance is secondary when renting a car within the U.S., but if you're renting outside of the country, it switches to primary coverage.

With secondary insurance, you need to rely on any other insurance coverage you have before Citi’s car rental insurance kicks in. Primary insurance, alternatively, will be the first line of coverage you have.

Coverage wouldn't apply if you rent the car to someone else or operate a rental car as a rideshare vehicle. It also only covers the car, not any personal injuries that might result from an accident.

There are several types of vehicles that are excluded from coverage. These include:

Trucks, pickup trucks, trailers, full-size vans on a truck chassis or recreational vehicles like campers and off-road vehicles.

Motorcycles or motorized bikes.

Commercial vehicles or cargo vans.

Any vehicle with fewer than four wheels.

Antique vehicles older than 20 years or that have not been made in the past decade.

Limousines.

Sport-utility trucks or open, flat-bed trucks.

Any vehicle that retails for over $50,000.

» Learn more: Rental car insurance explained

Roadside assistance

When driving in the U.S., roadside assistance is available for Costco Anywhere Visa® Card by Citi cardholders by calling 866-918-4670.

Roadside assistance is valuable in the event of an accident, loss of fuel or other vehicle malfunction. Keep in mind that you would still have to pay for the assistance (like a tow truck, for example), but this benefit makes it easy to reach someone with one phone call.

Citi card provides access to similar assistance as a membership program like AAA . The difference is that AAA’s annual fee covers roadside assistance fees while Citi's coverage doesn't; it solely provides access to someone who can help you for a reduced rate.

Several credit cards provide some type of roadside assistance and are worth considering before paying the annual fee for AAA.

Worldwide travel accident insurance

The Costco Anywhere Visa® Card by Citi includes accident insurance, which covers the cardholder or family members if they are injured or killed when traveling on a common carrier (any vehicle that is licensed to carry passengers like a bus, plane, cruise ship or train).

You will need to have used the Citi card to cover the entire cost of the travel on that common carrier for the benefit to apply. The maximum coverage is $250,000.

» Learn more: How does travel insurance work?

Travel and emergency assistance

The Costco Anywhere Visa® Card by Citi card provides access to a 24/7 concierge to help you with a disruption to your trip. This can include medical assistance, referrals to a doctor or legal help. It can also help if you need to adjust travel plans.

Just remember, you’ll be responsible for paying for any services used, but the call is toll-free.

Baggage protection

Only available for the Citi® / AAdvantage® Executive World Elite Mastercard® , this luggage protection provides coverage if your checked bag is stolen, lost or damaged.

The insurance covers as much as $3,000 per person ($2,000 for New York residents), but only kicks in if you use the card or American AAdvantage miles to pay for the trip.

» Learn more: The guide to baggage insurance

Trip cancellation and interruption insurance

If a covered traveler has a medical emergency or dies, the Citi® / AAdvantage® Executive World Elite Mastercard® coverage can provide reimbursement for up to $5,000 in eligible nonrefundable expenses.

You would need to use the card or American AAdvantage miles to pay for the trip.

Trip delay protection

Another benefit that’s reserved only for the Citi® / AAdvantage® Executive World Elite Mastercard® is trip delay protection . This coverage kicks in if your trip is delayed by at least six hours, and offers reimbursement for expenses incurred during the delay, up to $500 per trip.

This would include reasonable purchases like hotel stays, rental cars and meals.

» Learn more: The best travel credit cards right now

Citibank travel insurance is available, but limited. It is only offered on two cards and isn't as comprehensive as other credit cards with travel insurance .

Both cards include rental car coverage, but beyond this, each has its own set of benefits. Depending on which one you hold, it may include coverage like trip delay protection or roadside assistance.

People hold Citi cards for many reasons, including the ability to earn transferable Citi ThankYou Points . But, the travel insurance benefits are somewhat limited. If you have a Citi card, review the travel insurance perks before you take off to understand your coverage.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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What are the Costco Visa travel benefits

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

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

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

Cash back rewards on travel

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

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

Other travel benefits

Cardholders can also get access to services and benefits like:

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

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

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

Access to Citi Entertainment

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

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

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

1 Important Pricing & Information

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

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Earn 4x Bonus Citi ThankYou Points at Restaurants with Citi Double Cash Credit Card (Targeted Email Offer)

Good afternoon everyone, I hope your week is going well. Earlier today, I received an email from Citi regarding my Citi Double Cash Credit Card . The subject line sounded generic: “ Grant, Activate your offer today and start earning now ” and didn’t look very enticing until I read further down the email. After activating the offer, I can “ Earn an additional 4 points per $1 spent, up to 2,500 ThankYou® Points, through 07/31/2024 ” when I “ Spend on eligible purchases at restaurants. ”

4x Bonus Citi ThankYou Points on top of the 2x the Citi Double Cash already earns = 6x at restaurants on the first $625 spent. That is better than the 4x on the American Express Gold Card , and a little better than 5x on the Citi Custom Cash Credit Card and the old Citi Prestige Credit Card, but not as great as the 7x on the Chase Freedom Flex Credit Card . If you have a Citi Double Cash, check you email for this targeted email offer from Citi.

After clicking on the above Activate in One Click button, here is the confirmation message that says you successfully activated the offer.

Citi also sent out another targeted email about my Citi Custom Cash with the long subject line “ Special offer: Earn additional ThankYou Points on hotels, car rentals and attractions booked through the Citi Travel portal. ” By using the Citi Travel Portal to book hotels, car rentals, and attractions with your Citi Custom Cash, you can earn an extra 4x Citi ThankYou Points. This email is kind of confusing to read, so I clicked the Book Travel button to learn more.

Unfortunately (in typical Citi ways), the landing page is equally confusing. Even with the extra 4x Citi ThankYou Points on the Citi Custom Cash, I would come out ahead if I used my Citi Premier for 10x on travel booked through the Citi Travel Portal. There are also 4 different expiration dates, depending on which Citi credit card you use. Either way, I am not a fan of booking paid travel through the Citi Travel Portal because:

You will only get 1 cent per point (CPP) value from your Citi ThankYou Points
You have to deal with Citi’s online travel agency (OTA) to cancel or make any changes to your reservations
You will not earn hotel points or elite nights if you stay at a chain hotel
You can often earn 10%-15% cash back booking chain hotels through cash back portals

Long story short, activate the restaurant offer on the Citi Double Cash and don’t book paid travel through the Citi Travel Portal. The one exception would be if you are using the $100 Hotel Credit with your Citi Premier , since you will earn 10x on the hotel reservation. If you have questions about either offer, please let me know. If you received any other recent offers from Citi, please share the details in the comments section too. Have a great day everyone!

Check Out These Related Posts:

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Unveiling the New Citi Strata Premier: What’s Changed and What’s Improved

Citi Strata Premier

Citi is calling this a refresh of the Citi Premier and I tend to agree. When a bank refreshes a card, they’ll tweak some of the bonus categories, possibly add or remove some benefits and review the annual fee. While the Citi Premier was a very good card, there were some things about it that could make it better. I think Citi has done a good job of keeping the card’s best features and adding some necessary improvements, all while keeping the same annual fee.

Citi hasn’t launched the new card in a major way, so it’s not apparent what’s changed. Here are a few of the major improvements:

Travel Coverages Are Back!

One major reason people weren’t using Citi cards to pay for travel is that the bank removed all travel protections in 2019. That means if you booked airfare with your Citi Premier and your flight was delayed overnight, you’d get nothing from the card. I know that this kept me from using the card to pay for flights and hotels.

With the launch of the Strata Premier, the following coverages are back:

Trip Delay ($500 for a 6-hour or longer delay)
Trip Cancellation and Interruption ($5,000 per covered trip)
Lost or Damaged Luggage
Secondary Car Rental Coverage

It took some digging through the Citi website, but as a cardholder, I was able to find a copy of the new Benefits Guide. I’m happy to report that the Trip Delay and Trip Cancellation/Interruption coverages apply when you pay with your Strata Premier Card, use ThankYou points, or partially pay with frequent flyer points.

You must charge the full amount of a covered trip to your covered card or in combination with your covered card and accumulated points on your eligible account or redeemable certificates, vouchers, coupons, or discounts awarded from frequent flyer program or similar program.

The baggage coverage only applies when paying with your Strata Premier or Citi points.

If you’d like to read the details of all coverages, the updated Benefit Guide can be found HERE ( This link will download a PDF of the guide ). If you’re a Citi Strata Premier cardholder, the guide can be found on the card benefits page.

Shopping Coverages Are Also Back!

When Citi removed the travel coverages, they also took away all of the shopping protections. While we didn’t get all of these back, Citi has brought back Damage & Theft Protection and Extended Warranty coverages.

New Bonus Categories

Most importantly, Citi didn’t mess with existing bonus categories with the Strata Premier. You’ll still get 3X points with:

Supermarkets
Restaurants, including takeout
Gas stations
Travel agencies (This is a hidden bonus category)

There are only a few notable changes. First, the 10X bonus category for booking at CitiTravel.com was already a temporary benefit of the Citi Premier. The Strata Premier makes that 10X a permanent feature, adding attractions to the existing hotels and car rental categories. EV charging stations were added to the 3X gas station category. Several cards are adding this benefit as EVs become more prevalent.

Sign-Up Bonus

Citi is offering a limited-time 75,000-point sign-up bonus for the Strata Premier after spending $4,000 in the first three months. This offer is similar to the best we’ve seen on the Citi Premier. The typical Citi 48-month rule applies to people who received the sign-up bonus for the Citi Premier.

Bonus ThankYou Points are not available if you have received a new account bonus for a Citi Premier or a Citi Strata Premier account in the past 48 months.

Final Thought

The Citi Premier was already a great card for earning ThankYou points on everyday spending. It was also the only card, besides the Citi Prestige, that allowed you to unlock all of the Citi ThankYou travel partners for point transfers. The downside was that it wasn’t a great card to use for paying for airfare or travel due to the lack of travel protections.

Citi has refreshed and relaunched the Strata Premier card, making it a solid all-around option. Now, the Strata Premier can be considered alongside the Sapphire Preferred, Capital One Venture, Bilt Rewards and the AMEX Green Card as one of the best entry-level travel cards with transfer partners.

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Travel Benefits
Travel Benefits. Citi® Concierge Citi® Concierge experts are ready 24/7 to assist you with your travel, shopping, dining, entertainment, and everyday needs. Contact us at [email protected] or. 1-800-508-8930 (TTY: We accept 711 or other Relay Service). Travel Notice Citi is by your side when you travel.
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Your Guide to Protection Benefits
1-312-356-7830. Monday - Sunday, 8 a.m. - 12 a.m. ET. Read this Guide carefully. Each benefit description provides You with the details on what coverage You have and any exclusions and restrictions. This Guide to Protection Benefits ("Guide") includes important details about the benefits that come with Your card at no additional cost.
Best Travel Rewards Credit Cards
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If you're a Citi Strata Premier cardholder, the guide can be found on the card benefits page. Shopping Coverages Are Also Back! When Citi removed the travel coverages, they also took away all of the shopping protections. While we didn't get all of these back, Citi has brought back Damage & Theft Protection and Extended Warranty coverages.

Citi Double Cash benefits guide

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What is the Double Cash card annual fee?

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What credit score is needed for the Double Cash card?

Which card is better: the Chase Freedom Flex℠ Credit Card or the Double Cash card?

Is the Double Cash card a Visa or Mastercard?

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About Jarrod West

6 ways to maximize the Citi Double Cash Card

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Citi Double Cash® Card

Welcome bonus

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Editor’s take

Card details

1. Accelerate your cash back with the welcome bonus

2. Use the card to book travel with Citi

3. Pay your balance in full each month

4. Use your rewards to book flights with JetBlue

5. Pair the card with the Citi Premier® Card * The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

6. Pay down high-interest credit card debt

Final verdict

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