Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

• +2% flat rate on all purchases with no caps
• +No annual fee
• +0% intro APR for 18 months on balance transfers
• +Simple earning structure - no tracking categories
• +Points can combine with other Citi ThankYou cards

Cons

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards

• −3% foreign transaction fee
• −Must pay bill to earn second 1% cash back
• −No travel insurance or purchase protection
• −Relatively modest $200 welcome bonus
• −No bonus categories for high spenders

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

• +2% flat rate on all purchases with no caps
• +No annual fee
• +0% intro APR for 18 months on balance transfers
• +Simple earning structure - no tracking categories
• +Points can combine with other Citi ThankYou cards

Cons

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards

• −3% foreign transaction fee
• −Must pay bill to earn second 1% cash back
• −No travel insurance or purchase protection
• −Relatively modest $200 welcome bonus
• −No bonus categories for high spenders

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

• +2% flat rate on all purchases with no caps
• +No annual fee
• +0% intro APR for 18 months on balance transfers
• +Simple earning structure - no tracking categories
• +Points can combine with other Citi ThankYou cards

Cons

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards

• −3% foreign transaction fee
• −Must pay bill to earn second 1% cash back
• −No travel insurance or purchase protection
• −Relatively modest $200 welcome bonus
• −No bonus categories for high spenders