This card is a great mid tier travel card. This is a great card for those who want to earn elevated earnings a lot of different everyday spending categories. It's great for those who want simplicity, maybe those who to use this as a one card setup. 

​

The biggest drawback of this card is its credit. It covers the whole annual fee if you can use it, but you have to jump through some hoops to get it. First it has to be on a hotel stay of $500 or more, which might not be super hard to do for a lot of people. But, the second thing is you have to book through the Citi portal, which can become an issue if you have status with the hotel you're going to stay at as if you book through a travel portal, most hotels won't recognize status. 

​

If you can use the credit, this card is an amazing everyday card that has a decent amount of travel benefits. This is a very solid mid tier travel card and could be a great option for you for everyday spending and traveling.