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Best Citicards of 2018

We took a look at various credit cards from Citi to determine which were the best Citicard offerings. With 18 cards to choose from, we identified the Citicards that stood out well not just within Citibank's portfolio but also among all of the U.S. credit cards available. Recently Citi has updated their selection of cards with some noteworthy newcomers, which rank among the best choices prospective cardholders can pick from.

Best Cash Back Credit Card: Citi® Double Cash Card

For a third year in a row, the Citi® Double Cash Card is our favorite credit card for cash back, and one of the best Citicards to maximize rewards overall. Even in 2018, there are very few credit cards that can provide the same high rewards rate across all shopping categories. It functions a little differently than most flat-rate rewards cards, giving you 1% back immediately and then another 1% when you make your payments. The rewards rate competes favorably with nearly all other options, however. With no annual fee, the Citi® Double Cash Card is a compelling option as a primary credit card for just about everyone. The only cards that offer a greater rewards rate are those in the travel category, with the tradeoff of having more limited flexibility when it comes to rewards redemption. When it comes to choosing a credit card, we think most consumers would do well to consider the Citi® Double Cash Card as a first option.

The one drawback of the Citi® Double Cash Card is that for most consumers, it doesn't come with any sort of welcome bonus. For example, in comparison, the Capital One® Quicksilver® Card offers a $150 early spend bonus for new cardholders, though it offers less in long-term spending rewards. To qualify for the early spend bonus on the Capital One® Quicksilver® Card you must spend at least $500 on your card within the first 3 months. For the long haul, however, the Citi® Double Cash Card will perform better over a number of years, and is one of the top credit cards, Citicard or otherwise, for cash back.

Best Balance Transfer Card: Citi® Diamond Preferred® Card

On the other end of the spectrum, the Citi® Diamond Preferred® Card is a suitable option for consumers who may have issues managing their existing credit card debt. As one of the top balance transfer credit cards, the card's introductory 0% APR for 21 months on balance transfers is one way to help you manage your accrued balances. This card also has a 12 month 0% APR introductory period for all purchases as well. If your looking for a card that will help you pay off debt and avoid interest, the Citi® Diamond Preferred® Card is a great choice.

Best Citi Travel Card Offerings

The Citicard travel offerings are a little more limited. Citi offers affiliated credit cards with Hilton, Expedia, and American Airlines, which, while few, are fortunately some of the largest brands in their respective businesses. These cards can reward travelers if they're planning on staying loyal to one brand or service. Here are the ones that stand out when it comes to each of the different travel affiliations.

Citi® Hilton HHonors™ Reserve Card

The Citi® Hilton HHonors™ Reserve Card is one of our featured hotel credit cards because of its valuable bonuses. The card does come with decent spending rewards that are worth about 1.5%, but what really sets this Citicard apart are the free hotel nights new cardholders are eligible for. Simply spend $2,500 in the first four months and you'll earn 2 complimentary weekend nights at a Hilton property. When used well, these free nights are worth as much as $700 depending on the property you choose. In addition, every subsequent year that you spend $10,000 on the Citi® Hilton HHonors™ Reserve Card will net you an additional free night, valued at between $250-400 overall. Given the spending requirements needed to earn the continuing bonuses and the card's $95 annual fee, the Citi® Hilton HHonors™ Reserve Card does require a minimum spending to be worthwhile.

Citi® / AAdvantage® Executive World Elite™ Mastercard®

Compared to the best airline credit cards, Citicard's offerings are a little less noteworthy. American Airlines is Citicard's only affiliated partner in the skies, and the AAdvantage cards are primarily used for earning extra miles that can be redeemed for flights. These cards are generally worthwhile only if you're planning to use American Airline as your primary carrier when traveling. Among the cards, the Citi AAdvantage Executive Card, which is a premium card costing $450 a year, is one to consider. The value of the card really comes from amenities like lounge access, free checked bags, and other benefits that make your travel arrangements easier. On the spending rewards front, it has the standard affiliated card 1x/2x structure with 1 AAdvantage Mile on general spending and 2 AAdvantage Miles on US Airways or American Airlines-related spending.

Citicard Welcome Bonuses

If you're in the market for a new card and are focused on the bonuses that you can accrue to help pay for an upcoming expense or to just optimize your spending, we've provided a list of the available bonuses from the different Citicards to make your shopping easier. This will give you an idea of which cards have bonuses that are easiest to earn and if the bonus rewards will apply to your spending.

CardSpending RequirementBonus
Citi ThankYou® Premier Card$4,000 in 3 months60,000 ThankYou® Points
Citi ThankYou® Preferred Card for College Students$500 in 3 months2,500 ThankYou® Points
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®$2,500 in 3 months50,000 AAdvantage Miles
Citi® / AAdvantage® Executive World Elite™ Mastercard®$7,500 in 3 months75,000 AAdvantage Miles
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®$4,000 in 4 months70,000 AAdvantage Miles
Citi® / AAdvantage® Gold World Elite™ Mastercard®$750 in 3 months25,000 AAdvantage Miles
Citi® Hilton HHonors™ Visa Signature® Card$1,000 in 4 months40,000 HHonors Bonus Points
Citi® Hilton HHonors™ Reserve Card$2,500 in 4 months2 Weekend Nights

Citi Price Rewind

One of the better features present in all of the best Citicards is Price Rewind. With it, Citi cardholders can receive a partial refund on their purchases if the price drops within 60 days. The partial refund is the amount of the drop. Citi covers purchases up to $300 per item, and up to $1,200 per year.

According to Citi, it has refunded a total of $2,588,185 in Q3 2015 alone. This was dispersed over 77k refunds, and came out to an average of $33.27 per refund.

The process is mostly automated, though you are required to register your purchase. Citi will track the price of certain items by checking prices that are advertised online. If you find the lower price yourself, you have the option of reporting it as well. Note that not all types of items and scenarios are covered. For example, tickets, firearms, plants or animals (including stuffed animals) are not covered. Refurbished items, limited-edition, or ‘going out of business’ prices are also not covered. You can read a full list of exemptions and how to file a claim through Citi’s website.

Comparison Tool

The only true way of finding the best Citi credit card for you, is to match one directly to your spending profile. Normally, this process would require a lot of calculations and time - however our interactive tool will do all the work for you. Simply input your estimated monthly spending by category, and we will calculate for you, which rewards credit cards provide you with the best rewards per $1 spent.

Assumptions Based On Monthly Spend of: $1,430 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
$99, waived for first 12 months* 3.51%
$702
Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening*
$1,206
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.014 = $603
Bonuses
50,000 x $0.014 = $675
1,000 x $0.014 = $14
1,000 x $0.014 = $14
Less Annual Fees -$99
Total Net Estimated Rewards Through 24 Months 1,206

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $99, waived for first 12 months*
APR 17.74% - 25.74%* (Variable)

Card Details

  • Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening*
  • New: Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • New: Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • New: Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
Citi ThankYou® Premier Card
$95, waived for first 12 months* 2.91%
$600
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
$999
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 49,440 x $0.01 = $494
Bonuses
60,000 x $0.01 = $600
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 999

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95, waived for first 12 months*
APR 16.24% - 25.24%* (Variable)

Card Details

  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*
Citi® Hilton HHonors™ Reserve Card
$95 2.40%
$500
Earn 2 weekend nights after spending $2,500 in the first four months
$825
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 102,960 x $0.005 = $515
Bonuses
0 x $0.005 = $500
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 825

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 15.99%

Card Details

  • Get Hilton Honors Gold Status as a cardmember
  • No foreign transaction fees
  • No caps and expiration on points if you use your card at least once a year
  • Earn an anniversary bonus for one weekend night at select hotels
  • No points cap
Citi® / AAdvantage® Gold World Elite™ Mastercard®
$50 2.04%
$338
Earn 25,000 American Airlines AAdvantage bonus miles after $700 in purchases the first 3 months
$701
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Bonuses
25,000 x $0.014 = $338
Less Annual Fees -$100
Total Net Estimated Rewards Through 24 Months 701

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $50
APR 13.99%, 17.99% or 21.99% Variable

Card Details

  • Save 25% on eligible in-flight food and beverage purchases
  • No blackout dates on award travel
  • No spending limit
Citi® Double Cash Card
$0* 2.00%
$0
$686
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 686 x $1 = $686
Total Net Estimated Rewards Through 24 Months 686

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0*
APR 15.24% - 25.24%* (Variable)

Card Details

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Citi® Hilton HHonors™ Visa Signature® Card
No Annual Fee 1.77%
$200
Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
$607
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 81,360 x $0.005 = $407
Bonuses
40,000 x $0.005 = $200
Total Net Estimated Rewards Through 24 Months 607

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.99% 19.99% Variable

Card Details

  • HHonors silver status with fast-track to HHonors Gold status after 4 stays within your first 90 days of cardmembership
  • Receive HHonors Silver Status for free
Citi ThankYou® Preferred Card for College Students
$0* 1.23%
$25
Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
$423
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Bonuses
2,500 x $0.01 = $25
Total Net Estimated Rewards Through 24 Months 423

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0*
APR 16.24% - 26.24%* (Variable)

Card Details

  • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.24% - 26.24% based upon your creditworthiness*
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Citi ThankYou® Preferred Card
$0* 1.16%
$0
$398
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Total Net Estimated Rewards Through 24 Months 398

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0*
APR 15.24% - 25.24%* (Variable)

Card Details

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.24% - 25.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Expedia®+ Card from Citi
No Annual Fee 1.01%
$105
Earn 15,000 Expedia+ rewards bonus points after you spend $1,000 on purchases in the first 3 months of account opening
$345
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.007 = $240
Bonuses
15,000 x $0.007 = $105
Total Net Estimated Rewards Through 24 Months 345

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.74% - 24.74% Variable

Card Details

  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening, redeemable for $200 towards your stay at a +VIP Access™ hotel
  • Earn 3 points per $1 spent on all eligible Expedia purchases
  • Earn 1 point per $1 spent on other purchases
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status qualification for each increment of $2,500 in purchases made on the card between your January and December billing statements
Expedia®+ Voyager Card from Citi
$95 0.79%
$178
Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening
$270
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.007 = $283
Bonuses
25,000 x $0.007 = $178
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 270

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 15.74% - 23.74% Variable

Card Details

  • Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening, redeemable for $350 towards your stay at a +VIP Access™ hotel
  • Earn 4 points per $1 spent on eligible Expedia purchases
  • Earn 2 points per $1 spent on dining at restaurants and entertainment
  • Earn 1 point per $1 spent on other purchases
  • $100 annual air travel fee credit
  • Enjoy Expedia+ gold status each year of cardmembership
  • Earn an anniversary bonus of 5,000 Expedia+ bonus points after you spend $10,000 in the prior cardmembership year
  • No foreign transaction fees on purchases
Citi Prestige® Card
$450 0.47%
$532
Earn 40,000 bonus ThankYou points after you spend $3000
$162
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $530
Bonuses
0 x $0.013 = $0
40,000 x $0.013 = $532
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months 162

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 15.24%

Card Details

  • No foreign transaction fee
  • Complimentary 4th night at luxury hotels when booked through Carlson Wagonlit Travel
  • Unlimited access to 400+ airport lounges
  • $100 global entry fee credit
  • Chip technology
  • 24/7 concierge
  • Lost baggage coverage
Citi® Diamond Preferred® Card
$0* 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0*
APR 14.74% - 24.74%* (Variable)

Card Details

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee
  • Free access to FICO® Scores
Citi Simplicity® Card
$0* 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0*
APR 15.74% - 25.74%* (Variable)

Card Details

  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day — just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Citi® Secured Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $0
0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.24%* (Variable)

Card Details

  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere Mastercard® is accepted — worldwide
Citi® / AAdvantage® Executive World Elite™ Mastercard®
$450 -1.27%
$0
Earn 75,000 American Airlines AAdvantage bonus miles after $7,500 in purchases the first 3 months
$-437
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months -437

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 17.49% - 25.49%* (Variable)

Card Details

  • Limited time offer: Earn 75,000 American Airlines AAdvantage® bonus miles after spending $7,500 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and access for guests traveling with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation*

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Starwood Preferred Guest® American Express Luxury Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.