
Chase
IHG One Rewards Premier Credit Card
Similar Travel profile with a different fee and perk mix.
Citi
A mid-tier points card with a $95 annual fee and broad category coverage for travel and everyday spending.
Year-one value
$1,978
Balanced assumption model with the welcome offer included.
Ongoing value
$1,278
Rewards plus usable credits minus the annual fee.
Welcome offer
$700
$4,000 in 3 months
Usable credits
$70
Assumes 70% real-world usage.
Annual fee
$95
Year-one card cost
Credit needed
Good+
Issuer approval tier
Required spend
$4,000 / 3 mos
Welcome-offer threshold
Offsetting credits
~$100/yr
Recurring credits in dataset
Bonus ROI
17.5%
Welcome bonus on required spend
How You Earn
Travel
10 ThankYou Points per $1 on hotels, car rentals, and attractions booked through Citi Travel.
Travel
3 ThankYou Points per $1 on air travel and other hotel purchases.
Dining
3 ThankYou Points per $1 at restaurants.
Groceries
3 ThankYou Points per $1 at supermarkets.
Credits And Perks
$100 Annual Hotel Benefit
~$100/yrEligible hotel stays booked through Citi Travel can receive a $100 benefit once per calendar year.
Citi Entertainment
Eligible cardholders can access select tickets, experiences, and presales through Citi Entertainment.
Trip Cancellation and Interruption Protection
Can reimburse covered prepaid travel expenses when a qualifying trip is canceled or interrupted for a covered reason.
Trip Delay Protection
Can reimburse eligible out-of-pocket expenses when a covered trip is delayed beyond the issuer's threshold.
1 recurring credit found in the current dataset.
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