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Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products 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.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

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.

Expedia®+ Card from Citi: High Rewards With No Annual Fee

Image of Expedia®+ Card from Citi
85
"A very good travel rewards card, for individuals who like shopping through Expedia. Those who spend $10,000+ anually should prefer the Expedia+ Voyager card to this one."

Contents

Individuals who love making detailed plans for how to redeem their credit card points will find the Expedia®+ Card from Citi a fantastic offer. If used correctly, this card has great rewards rates (up to 4.2%) – in that regard it is unmatched by other ‘no annual fee’ credit cards. The major downside is that the rewards program of the Expedia®+ Card can only be optimized under certain scenarios, and is not a card we'd recommend for everyday spending or general consumers. There are various restrictions and factors to keep track of – one misstep can cause you to lose a good amount of value. If you consider yourself a ‘travel hacker’, this may be one of the best cards to have in your arsenal. 

Pros

  • High potential rewards rate of up to 4.20%
  • No annual fee

Cons

  • Poor for everyday use
  • Complicated rewards program when trying to maximize rewards

Review: Is the Expedia®+ Card from Citi Worth It?

The Expedia®+ Card from Citi can produce a 4.2% rewards rate when used optimally, which is very good compared to most credit cards – especially cards that come with no annual fee. The downside of the card comes from the fact that it has very limited use-case scenarios where good rewards rates can be reached. To get a rate of 4.2%, users must use the card to exclusively make Expedia.com purchases, and then redeem their reward on +VIP Access hotels – exchanging points for ordinary rate hotel coupons will drop the rewards rate down to 2.1%. Any other use of the Expedia®+ Card and its rewards will result in a sub-par rewards rate.

Consumers who prefer simplicity, and wish to only carry around a single credit card wherever they go, might do better with a card like the Citi® Double Cash Credit Card or the Barclaycard Arrival™ World MasterCard®. Both these cards provide lower rewards rates, however they are far more rewarding across a broader spectrum of purchases. These cards are also much simpler to use. With the Expedia®+ Card from Citi, you will find yourself micro-managing your points and having to strategize about how to redeem coupons optimally. We discuss coupons, and what makes them tricky, in a section below.

Those who travel predominantly to destinations outside of the United States should be aware that this card comes with a 3% foreign transaction fee. If you wish to have a credit card for your international travels, in case of emergencies or just for convenience, there are much better cards to consider.

Bottom Line: Consumers who don’t mind using Expedia’s website, and dealing with a rewards program that needs lots of management, can find great value in the Expedia®+ Card from Citi. The 4.2% rewards rate will undoubtedly be appealing enough to some consumers to put up with some hoop jumping. Ultimately, the Expedia®+ Card from Citi is a pretty good card to keep in your wallet for the next time you decide to book a vacation on Expedia.com.

Expedia®+ Card from Citi Benefits & Features

Image of Expedia®+ Card from Citi
Annual Fee No Annual Fee
Purchase APR 14.99%, 16.99% or 22.99% Variable
Card Details
  • Earn 15,000 Expedia+ rewards bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Earn 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
  • Earn 1 Expedia+ bonus point per $1 spent on other purchases
  • Automatic Expedia+ silver status
  • No annual Fee
  • One Elite Qualifying Hotel Night towards +gold status for every $2,500 in card spend on any purchases

When you use your Expedia®+ credit card, you will earn Expedia+ rewards bonus points with each purchase. If you use the card to pay for Expedia.com purchases – including booking airfare, hotels, and travel packages – you will earn 3 Expedia+ bonus points per $1. Every other purchase outside of that will earn just 1 point per $1.

New cardmembers can also earn an additional 15,000 Expedia+ rewards bonus points, when they spend at least $1,000 on purchases within the first 3 months of opening their account. Keep in mind purchases do not include things such as balance transfers, or cash advances. Furthermore, you don’t have to keep a balance of $1,000 in order to qualify. This means you can buy a $1,000 TV, pay off your credit card bill immediately, and the 15,000 points will still be yours.

The rewards rate of the Expedia®+ Card fluctuates between 0.6% and 4.2% depending on how you use it. The card serves you best when you use it to pay for Expedia.com reservations, thus earning 3 points for every $1 you spend. This results in rewards rates of 1.8% or better – a decent reward when compared to other cash back credit cards. We have constructed the table below to show you what rewards rates result from various combinations of spending and redemptions.

Expedia®+ Card Rewards Rate
 Spending Category Redeeming for Flights Redeeming for Rate Hotel Coupons Redeeming for +VIP Access Hotel Coupon
Expedia 1.8% 2.1% 4.2%
Other Purchases 0.6% 0.7% 1.4%

As you can see, using your rewards points for +VIP Access hotel coupons is most profitable. If possible, we recommend redeeming rewards in this way. When it comes to purchases of things other than Expedia bookings, we suggest using a decent cash back card instead – you can probably average a rewards rate of 1.5% to 2% in that way.

Finally, it is worth pointing out that the points earned will generally not expire, unless your account becomes inactive for 18 months. Activity is defined as either redeeming or earning Expedia+ bonus points. We don’t anticipate this being a problem for most individuals. You just simply have to make sure you make at least one purchase with the Expedia®+ Card every 1.5 years, and your points will remain in your account.

Redeeming Points Earned Through the Expedia®+ Card from Citi

You can trade Expedia+ bonus points in exchange for +VIP Access hotel coupons, ordinary rate hotel coupons & vacation packages, flights, and last but not least charitable donations. Out of these options, you will be getting the best value if you redeem for +VIP Access hotels. All other redemptions cut your value by half, of more. We go over the aforementioned options in the sections below.

Coupons

The biggest umbrella that most of the Expedia®+ Card rewards fall under is “coupons”. There are 3 types of coupons available to users. The most lucrative allows you to redeem points for +VIP Access hotels coupons – you need at least 3,500 points to redeem for a $50 coupon. +VIP Access hotels are specially marked on Expedia’s website with a little badge next to them. In addition to the superior value you get through these redemptions, these hotels also provide Expedia users with various special amenities. All other hotels and vacation packages require 3,500 points for a $25 coupon – half the value.

All coupons are one-time use items. Therefore, if you use an $800 coupon to pay for a $700 booking, the leftover $100 will become void. Because of this, users should carefully plan their redemptions and bookings as to not waste any of their points needlessly. Coupons are only available in $50 and $25 increments, meaning this may be difficult to pull off. A coupon may only be applied to a single hotel room per booking. Those traveling with large groups and families might find this restriction particularly difficult to deal with. There are ways around this, of course. You may generate different coupons, and book rooms separately. However, this is a hassle that can be avoided with other rewards programs we’ve come across.

Flights

When you use your Expedia+ bonus points to pay for airfare bookings, you will be getting the worst value possible. Redemptions start at 8,000 points, which translates to a $50 fare. For each additional $50 you will need 8,000 points. This translates to a point value of approximately $0.006 ($50 / 8,000). If you plan to pay for a flight with your points, those points must pay for the entire bill. This means you cannot partially cover the costs using Expedia+ bonus points, and just make up the difference with real money. 

Flights booked with Expedia+ bonus points cannot be cancelled or changed. If you can’t follow through with your plans, the value of your booking will, therefore, be lost. We urge cardholders to make their bookings carefully.

Donate to St. Jude Children's Research Hospital®

All Expedia®+ credit card users have the option of donating the points they earn to St. Jude Children's Research Hospital®. You can donate either $25, $50, or $100 at a time. Doing so will cost you 3,500, 7,000, or 14,000 points respectively. Expedia pledges to give 100% of all donations directly to the charity.

Other Benefits of Being an Expedia®+ Cardholder

With the Expedia®+ Card from Citi, consumers receive complimentary Expedia®+ silver status. Benefits of silver status include priority customer service, exclusive travel offers, bonus points for +VIP Access hotel bookings, and more. Normally, to qualify for silver status individuals would need to book at least 7 night stays through Expedia, or spend $5,000.

For every $2,500 you spend on the card, you will receive one Elite Qualifying Hotel Night towards +gold status. The increase in benefits between +silver and +gold status is marginal. As a +gold member, you will receive dedicated customer service agents, and the possibility to upgrade rooms when staying at +VIP Access hotels. In general, 15 nights are needed in total to earn +gold status.

How Does the Expedia®+ Card from Citi Compare to Other Credit Cards?

To get a clearer understanding of the true value the Expedia®+ card holds, we decided to compare it against other leading competitors. Overall, we’ve seen that when deciding between the Expedia®+ Card from Citi and most other cards, the decision comes down to value vs simplicity. If you prefer to sacrifice the latter, for the former, you will find the Expedia®+ card to be a top choice.

Expedia®+ Card from Citi vs Expedia®+ Voyager Card

The Expedia®+ Voyager Card is a much better version of the ‘no annual fee’ Expedia®+ Card. All the features you see on the Expedia®+ Card from Citi are done better on the Voyager – the rewards rates are higher across the board, there is a better bonus, and automatic +gold membership. The only catch is that the Expedia®+ Voyager Card comes with an annual fee of $95. As long as your average annual spending is high enough, however, paying the fee is still worth it. We estimate as a general guideline that if you're spending at least $10,000 annually on your card, the Expedia®+ Voyager Card will provide a 5,000 point anniversary bonus which offsets a majority of the annual fee. 

Additionally, with the Voyager you are awarded a $100 airline fee statement credit, which also justifies paying the card’s membership fee – assuming you take advantage of the airline credit. If you only travel occasionally, and don’t spend much using your credit card, we recommend going with the regular Expedia®+ Card.

Expedia®+ Card from Citi vs Barclaycard Arrival™ World MasterCard®

The Barclaycard Arrival™ World MasterCard® is a top tier “no annual fee” travel rewards card. The card provides fantastic travel rewards when used on dining and travel purchases (2.1%). While you can squeeze better value out of the Expedia®+ Card, the Barclaycard Arrival™ World MasterCard® is far simpler to use. The miles earned through it do not have to be redeemed for coupons, or anything of that sort. They are simply applied to your monthly bill, to help pay down travel purchases. Assuming that more than 71% of your dining and travel purchases, fall into the ‘dining’ category, the Barclaycard will come out ahead in terms of rewards.  

Expedia®+ Card from Citi vs Citi® Double Cash Credit Card

The Citi® Double Cash Credit Card card is one of the best credit cards available, especially for everyday use. It gives users 1% cash back after a purchase is made, and then 1% again when that purchase is paid off on the bill. When it comes to spending, the Expedia®+ Card is better than the Citi Double Cash when it comes to purchases on the Expedia.com website – then you can get rewards rates as high as 4.2%, more than twice that of the Citi® Double Cash Credit Card. For simplicity of use, and best overall savings we recommend the Citi® Double Cash Credit Card instead.

Credit Card Comparison Tool

Choosing the right credit card often comes down to matching your spending to the right rewards system. We have built a tool that does that just. By entering your estimated monthly spending, into the categories below, we will calculate for you the reward rates you can expect out of the following credit cards. To browser through more options, visit our rewards credit card page.

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.

Expedia®+ Card from Citi
No Annual Fee 1.02%
$107
Earn 15,000 Expedia+ rewards bonus points after you spend $1,000 on purchases in the first 3 months of account opening
$350
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 = $244
Bonuses
15,000 x $0.007 = $107
Total Net Estimated Rewards Through 24 Months 350

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

Annual Fee No Annual Fee
APR 14.99%, 16.99% or 22.99% Variable

Card Details

  • Earn 15,000 Expedia+ rewards bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Earn 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
  • Earn 1 Expedia+ bonus point per $1 spent on other purchases
  • Automatic Expedia+ silver status
  • No annual Fee
  • One Elite Qualifying Hotel Night towards +gold status for every $2,500 in card spend on any purchases
Expedia®+ Voyager Card from Citi
$95 0.79%
$178
Earn 25,000 Expedia+ rewards bonus points after you spend $2,000 on purchases in the first 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 13.99%, 15.99% or 21.99% Variable

Card Details

  • Earn 25,000 Expedia+ rewards bonus points after you spend $2,000 on purchases in the first 3 months of account opening
  • Earn 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
  • 2 Expedia+ bonus points per $1 spent on purchases for dining out and entertainment
  • Earn 1 Expedia+ bonus point per $1 spent on other purchases
  • Automatic Expedia+ gold status
  • No FX Fee
  • $100 annual statement credit for airline incidentals on qualified airlines or Wi–Fi Carries or for the Global Entry application fee

Comments and Questions

* 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, Platinum Delta SkyMiles® Credit Card, Hilton Honors™ 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 Delta Reserve for Business Credit Card from American Express 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.