Applied for this card several months ago and was approved right away. Took advantage of the bonus points they offer and was very satisfied. Great Card for hotels/travel, gas and dining 3x times points on those categories. And the costumer service is always so great. This is my second card from Citi and they never disappoint. Approved with an initial CL of 10K and I know they will raise it in 6 months for me they always do.

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