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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

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(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $99

🎁 Bonus offer

For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.

Bonus points for spend in the following bonus categories:

Earn 2X miles on American Airlines purchases made directly with American Airlines. Otherwise, earn 1X.

2 x
Airfare
Estimated Rewards Value: 2.8%
2 x
Car Rentals
Estimated Rewards Value: 2.8%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2 x
Gas Stations
Estimated Rewards Value: 2.8%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
+
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  • First free checked bag can help you save $30 per American Airlines flight
  • Preferred boarding and a 25% discount on inflight food, drinks or wifi
  • Earn Loyalty Points and up to 2x miles on select categories tailored for business owners

Pros

  • First free checked bag on domestic American Airlines flights
  • Earn 1 Loyalty Point per $1 spent on the card
  • Earn an annual companion certificate by spending $30,000+ on the card

Cons

  • The annual fee costs $99 after the first year
  • Lacks travel insurance benefits
  • No Admirals Club lounge access
Annual Fee: $0 Introductory Annual Fee for the first year, then $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.014

Since AAdvantage moved to revenue based redemptions, they are a bit less valuable than they used to be. However, they can still book First and Business Class seats on oneworld partner airlines like Qatar Airways and Japan Airlines, and we also find that they can have occasional deals with forward cabin seats on American.

APR: 20.24%-29.24% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 13, 2025
Intro bonus:
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Annual Fee:
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Citi® / AAdvantage® Executive World Elite MasterCard®

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(3.7) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$595

🎁 Bonus offer

Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

Bonus points for spend in the following bonus categories:

On American Airlines flights booked directly only. Other airfare earns 1X mile per dollar.

4 x
Airfare
Estimated Rewards Value: 5.6%
1 x
Everything Else
Estimated Rewards Value: 1.4%
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  • Get American Airlines Admirals Club® access for you and your immediate family or you and two guests
  • You're a priority when flying American Airlines: enjoy benefits from priority check-in, to priority boarding to priority airport screening for you and up to eight travelers on the same reservation
  • You'll earn 1 Loyalty Point for every dollar spent on the card as well as special Loyalty Point threshold bonuses

Pros

  • Admirals Club membership (a $650 value) for unlimited entry for you and immediate family or up to two guests. Authorized users also get access, but see fees for Authorized Users below,
  • Free checked bag on domestic American Airlines itineraries for you and up to eight travelers on the same reservation
  • Earn 1 Loyalty Point per $1 spent; plus threshold Loyalty Point bonuses

Cons

  • $595 annual fee may be too costly for many
  • The earning rate isn't the most optimal at just 4-5x miles on American Airlines flights and 1x miles on other purchases (+10x miles on car and hotels booked via aa.com)
  • While Authorized Users used to be free, they are now $175 for the first three and $175 for each additional AU after that
Annual Fee: $595
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

Since AAdvantage moved to revenue based redemptions, they are a bit less valuable than they used to be. However, they can still book First and Business Class seats on oneworld partner airlines like Qatar Airways and Japan Airlines, and we also find that they can have occasional deals with forward cabin seats on American.

APR: 20.24%-29.24% (Variable)
Balance
transfer fees:
5% of each balance transfer; $5 minimum.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 13, 2025
Intro bonus:
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Citi Strata Premier® Credit Card

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(4.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

🎁 Bonus offer

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com

Get a 30% transfer bonus when you transfer Citi ThankYou to Qatar Airways Avios.

Promo is run by Qatar - Will not show on Citi site
Offer expires on May 31, 2025

This transfer bonus is being run on the Qatar side, so you will not see the bonus offer on the Citi ThankYou website. 

Per the promotional page on the Qatar website:

For a limited time only, you will collect 30% bonus Avios when converting reward points from participating partners into Avios by 31 May 2025.* The more reward points you convert, greater are your reward possibilities with Privilege Club.

IMPORTANT: Bonus Avios earned as part of this campaign will be credited to a Member’s Privilege Club account by 30th June 2025.

So, you may not get those bonus Avios for 1-2 months! This is a big difference between when the US bank offers a transfer bonus (bonus points are credited with the transfer) and when it’s run by the airline. I’ve seen both Qatar and Cathay Pacific specify delayed posting of the bonus which (I think) kind of ruins the deal since we never advise stockpiling – that said, you can still move these to other Avios programs later.

Remember that Qatar Avios has become competitive and inline with other Avois partners. It’s always worth checking whether one or another Avois partner (i.e. British Airways, Iberia, Finnair, or Aer Lingus) has a better redemption price since you can freely move between them. You can even connect your British Airways account directly inside Qatar’s website for easy and instant transfer.

SECOND IMPORTANT NOTE: Qatar has devalued their own program twice in recent months, first significantly raising the pricing for AA and Alaska awards, then by adding significant new surcharges on long haul premium awards by almost 200%. I wouldn’t transfer speculatively myself, but an Avios pro user with lots of ThankYou points might.

Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer Citi ThankYou to Virgin Atlantic Flying Club.

Offer expires on May 17, 2025

NOTES: Virgin Flying Club has moved to a dynamic pricing for awards. In some cases we are seeing extreme value like 29,000 point Business Class awards from the US to London. In other cases, the prices have risen dramatically.  Run some searches before transferring.

It’s also worth Virgin Atlantic transfer bonuses are fairly frequent between various programs. See historical transfer bonuses to Virgin Atlantic here. This is the 9th transfer bonus in the last year from a bank program to Virgin Atlantic. As you can see, it’s nearly always 30% with unicorns for 40%.

If we isolate to just Citi ThankYou to Virgin Atlantic Transfer Bonuses, it’s always 30%.

Best Uses of Virgin Flying Club points:

Two great uses are domestically on Delta within the US or US-Mexico/Canada and for economy flights to/from Europe that are as few as 12,000 miles each way on partners such as KLM or Delta.

If you could actually find a Delta One award FROM Europe to the US, it would be just 50,000 points. Availability is a unicorn. Unfortunately, awards TO Europe on Delta now cost more and have $1,000 + surcharges). Virgin Atlantic can also book Air France and KLM flights as well as other SkyTeam alliance airlines.

The other, well known, “best use” is to book ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip

Note that you can also book these ANA awards as one way for half the points. Search on United and then call Virgin to book.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

3 x
Airfare
Estimated Rewards Value: 4.8%
3 x
Gas Stations
Estimated Rewards Value: 4.8%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 4.8%
3 x
Hotels
Estimated Rewards Value: 4.8%
3 x
Groceries
Estimated Rewards Value: 4.8%
3 x
EV Charging
Estimated Rewards Value: 4.8%
1 x
Everything Else
Estimated Rewards Value: 1.6%
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  • Earn triple points from five distinct spending categories from air travel and hotels to restaurants, supermarkets, gas stations
  • Take advantage of World Elite Mastercard perks, like Lyft and DoorDash perks and extended warranty protection
  • Citi ThankYou® points are extremely flexible, with the ability to utilize an array of more than 15 airline and two hotel transfer partners to get the most bang for your buck on travel

Pros

  • The $95 annual fee can be completely offset by the $100 hotel credit
  • Redeem Citi ThankYou® points for a variety of travel, including the ability to transfer points to more than 15 airline and hotel programs
  • Trip Protection benefits

Cons

  • Citi ThankYou® points can only be transferred to airline programs (no hotels) and of them, the partners are more obscure international airlines
  • Weaker on travel perks, with no airport lounge access or TSA PreCheck/Global Entry reimbursement
  • No domestic airline transfer partners
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.016

If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 20.24%-28.24% (Variable)
Balance
transfer fees:
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 13, 2025
Intro bonus:
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Citi® / AAdvantage® Platinum Select® World Elite MasterCard

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(3.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $99

🎁 Bonus offer

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

Bonus points for spend in the following bonus categories:

On American Airlines airfare booked directly with American Airlines; otherwise earn 1X

2 x
Airfare
Estimated Rewards Value: 2.8%
2 x
Gas Stations
Estimated Rewards Value: 2.8%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
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  • Get a free checked bag on domestic American Airlines itineraries (for the primary cardholder and up to four companions)
  • Avoid having to gate-check your carry-on bag thanks to Group 5 preferred boarding
  • Earn Loyalty Points toward AAdvantage® elite status through credit card spending

Pros

  • Get a free checked bag on domestic American Airlines itineraries (for the primary cardholder and up to four companions)
  • Avoid having to gate-check your carry-on bag thanks to Group 5 preferred boarding
  • Earn Loyalty Points toward AAdvantage® elite status through credit card spending

Cons

  • Limited bonus miles categories
  • Card perks are limited to travel on American Airlines flights
  • Miles earned can only be used inside of the AAdvantage® program
Annual Fee: $0 Introductory Annual Fee for the first year, then $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

Since AAdvantage moved to revenue based redemptions, they are a bit less valuable than they used to be. However, they can still book First and Business Class seats on oneworld partner airlines like Qatar Airways and Japan Airlines, and we also find that they can have occasional deals with forward cabin seats on American.

APR: 20.24%-29.24% (Variable)
Balance
transfer fees:
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 13, 2025
Intro bonus:
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Citi Custom Cash℠ Card

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(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

Earn $200 in 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.

Bonus points for spend in the following bonus categories:

5 x
Airfare
Estimated Rewards Value: 5%
5 x
Transit
Estimated Rewards Value: 5%
5 x
Car Rentals
Estimated Rewards Value: 5%
5 x
Gas Stations
Estimated Rewards Value: 5%
5 x
Dining Out / Food Delivery
Estimated Rewards Value: 5%
5 x
Hotels
Estimated Rewards Value: 5%
5 x
Gym Memberships
Estimated Rewards Value: 5%
5 x
Streaming Services
Estimated Rewards Value: 5%
5 x
Drugstores
Estimated Rewards Value: 5%
5 x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 5%
5 x
Groceries
Estimated Rewards Value: 5%
1 x
Everything Else
Estimated Rewards Value: 1%
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  • The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
  • The only credit card to offer 5% on home improvement stores.
  • The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!

Pros

  • 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
  • No annual fee
  • Includes very rare bonus categories, like home improvement stores

Cons

  • With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
  • Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.016

If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 0 % Intro APR (on purchases for 15 months, 18.49%-28.49% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 18.49%-28.49% thereafter)
Balance
transfer fees:
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 13, 2025
Intro bonus:
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Citi® Double Cash Card

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(3.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Fair (580-669) *
Annual Fee:
$0

🎁 Bonus offer

Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

Bonus points for spend in the following bonus categories:

2 x
Everything Else
Estimated Rewards Value: 2%
+
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Notify me of bonus offer changes
  • It's easy to earn 2% cash back on all purchases
  • No annual fee
  • Can be combined with a Citi Premier to transfer points to airline and hotel partners

Pros

  • It's easy to earn 2% cash back on all purchases
  • No annual fee
  • Can be combined with a Citi Premier® to transfer points to airline and hotel partners

Cons

  • No bonus categories
  • No travel or shopping protections
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Fair (580-669) *
Point
Value:
$0.01-$0.016

If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 0% Intro APR (on balance transfers for 18 months, 18.24%-28.24% thereafter)
Balance
transfer fees:
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)
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 13, 2025
Intro bonus:
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Annual Fee:
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American Airlines AAdvantage® MileUp®

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(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

Earn 15,000 American Airlines AAdvantage® bonus miles after making $500 in purchases within the first 3 months of account opening.

Bonus points for spend in the following bonus categories:

Earn 2X miles per dollar on eligible American Airlines purchases; otherwise earn 1X

2 x
Airfare
Estimated Rewards Value: 2.8%
2 x
Groceries
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
Notify me of bonus offer changes
  • Get 25% back off inflight food and drink purchases on eligible American Airlines flights.
  • Earn toward American Airlines AAdvantage® elite status by spending on the card.
  • With no annual fee and a simple earning structure, this is an ideal card for beginners in the world of travel rewards who fly American.

Pros

  • Double earnings on two spending categories: Eligible American Airlines purchases and purchases at grocery stores
  • No fee for authorized users and no annual fee
  • Extended warranty protection for up to 24 months

Cons

  • Among airline cards, the MileUp only offers a modest sign-up bonus for new cardholders
  • No travel or trip protections
  • No free checked bag or priority boarding privileges
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

Since AAdvantage moved to revenue based redemptions, they are a bit less valuable than they used to be. However, they can still book First and Business Class seats on oneworld partner airlines like Qatar Airways and Japan Airlines, and we also find that they can have occasional deals with forward cabin seats on American.

APR: 0% Intro APR (on balance transfers for 15 months, 20.24%-29.24% thereafter)
Balance
transfer fees:
5% of each balance transfer; $5 minimum.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 13, 2025
Intro bonus:
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Citi® Diamond Preferred® Credit Card

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(2.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

None at this time

Bonus points for spend in the following bonus categories:

0 x
Everything Else
Estimated Rewards Value: 0%
+
 more
Notify me of bonus offer changes
  • Intro APR offer on purchases
  • Intro APR offer on balance transfers
  • No annual fee

Pros

  • Intro APR offer on purchases
  • Intro APR offer on balance transfers
  • No annual fee

Cons

  • No rewards are earned for spend
  • Few card benefits beyond the 0% Intro APR offers
  • 3% foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 0 % Intro APR (on purchases for 12 months, 17.24%-27.99% thereafter)
APR: 0% Intro APR (on balance transfers for 21 months, 17.24%-27.99% thereafter)
Balance
transfer fees:
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 13, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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Notify me of bonus offer changes

Costco Anywhere Visa Business Credit Card by Citi

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Annual Fee:
$0

🎁 Bonus offer

This card does not have a bonus offer at this time.

Bonus points for spend in the following bonus categories:

Earn 5% cash back at Costco gas stations, 4% at other gas stations including EV charging - up to a combined maximum of $7,000 per year

4 x
Gas Stations
Estimated Rewards Value: 4%
3 x
Airfare
Estimated Rewards Value: 3%
3 x
Transit
Estimated Rewards Value: 3%
3 x
Car Rentals
Estimated Rewards Value: 3%
3 x
Costco
Estimated Rewards Value: 3%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 3%
3 x
Hotels
Estimated Rewards Value: 3%
1 x
Everything Else
Estimated Rewards Value: 1%
+
 more
Notify me of bonus offer changes
  • Not currently available at Your Best Credit Cards

Pros

Cons

Annual Fee: $0
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 13, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Notify me of bonus offer changes

Costco Anywhere Visa Card by Citi

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$0

🎁 Bonus offer

None at this time

Bonus points for spend in the following bonus categories:

Earn 5% cash back at Costco gas stations, 4% at other gas stations including EV charging - up to a combined maximum of $7,000 per year

4 x
Gas Stations
Estimated Rewards Value: 4%
3 x
Airfare
Estimated Rewards Value: 3%
3 x
Transit
Estimated Rewards Value: 3%
3 x
Car Rentals
Estimated Rewards Value: 3%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 3%
3 x
Hotels
Estimated Rewards Value: 3%
2 x
Costco
Estimated Rewards Value: 2%
1 x
Everything Else
Estimated Rewards Value: 1%
+
 more
Notify me of bonus offer changes
  • 4% cash back at gas stations including EV charging stations, both at Costco and otherwise, for the first $7,000 per year.
  • 3% cash back at restaurants
  • 3% cash back on travel

Pros

  • 4% cash back at gas stations including EV charging stations, both at Costco and otherwise, for the first $7,000 per year.
  • 3% cash back at restaurants
  • 3% cash back on travel

Cons

  • Limited benefits to this card aside from cash back.
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 19.49%-27.49% (Variable)
Balance
transfer fees:
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 13, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
View Table Image
Annual fee
$595
Point value
$0.014
Best Multiplier
View Table Image
Annual fee
$95
Point value
$0.017
Best Multiplier
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 6 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$195
Point value
$0.01
Best Multiplier
5x Airfare
5x Cruises
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more
View Table Image
Annual fee
$0
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more
View Table Image
Annual fee
$550
Point value
$0.01 -
$0.0175
Best Multiplier
10x Car Rentals
10x Hotels
+ 5 more

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