Horrible card from a horrible card. Most of the benefits like lounge access do not work. Bank closed my account out of nowhere after just a few months of use and will not tell me why. Noone is ever at the bank working, everyone is on a lunch break.

Good Sub-Tier card for the annual fee at 3x multipliers on (4) categories. Just got my sign up bonus worth about $600 not to mention the points added to get the bonus =$720. The best value to redeem the points using it on flights or hotels at a 1:1 ratio compared to if you try and redeem for cash, gift cards, or amazon purchases - you would get less! With the $100 hotel credit and TY points on Citi's travel portal used as a combo. Just remember to do your homework when pricing the hotels as sometimes you might get a better deal with third party sites than Citi's Reward Portal. I use this card frequently for gas, market, dining, and of course travel. Had it for a couple months and glad I applied for it.

Love the card ..3x groceries..3x resteraunts..3x travel...100 dollar annual hotel credit yearly...with point flexibility you would be a fool to not get this credit card ...love you citi..+ 600 dollar sign on bonus