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Expedia®+ Voyager Card from Citi: A Great Card for Travel Hackers

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, including American Express, see our disclosure page.

Image of Expedia®+ Voyager Card from Citi
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"Cardholders willing to put in the effort will find this to be one of the best travel credit cards available."

Contents

The Expedia®+ Voyager Card from Citi has some of the highest rewards rates we’ve seen. Unfortunately for most consumers, its value is buried in a rewards program which requires heavy user involvement. Individuals who enjoy maximizing their rewards, and carefully planning how they will redeem their points, can be earn rates as high as 5.6%. On top of this, the card offers a continuing annual bonus of 5,000 points, as long as you spend $10,000 each year, and $100 in statement credit towards incidental airline fees (including TSA Pre✓™/Global Entry). Overall, there is a lot of good value to find here for savvy credit card users.

Pros

  • Some of the highest rewards rates around (up to 5.6%)
  • $100 annual statement credit towards incidental airline fees

Cons

  • The rewards aren’t simple to use, and not very flexible
  • Relatively low welcome bonus, when compared to other leading travel rewards credit cards

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

The Expedia+ Voyager Card from Citi is one of the best travel rewards credit cards. It can have a very high rewards rate (5.6%), when used optimally - that is when you use it to pay for Expedia purchases, and later redeem the points earned for +VIP Access hotel stays. By comparison, some of our other top tier travel cards, such as the Chase Sapphire Preferred® Card, produce rewards rates of around 2.5% - less than half of what you get through the Expedia+ Voyager Card.

The downside of this credit card lies in how involved users must be to get the best value. For example, using your Expedia+ rewards points in exchange for regular hotel coupons drops that rewards rate down to 2.8% - which admittedly is still decent when compared to other travel cards. If you earned those points through dining and travel purchases, that rate drops further, to 1.4%. If you used the card on any other purchase, you suddenly find yourself having earned just 0.7%. The variation between the maximum potential earnings and the minimum is huge. Therefore,  Expedia+ Voyager cardholders must constantly be aware of where they are using their card and how they are redeeming their points in order to get the most value.

While the Expedia+ Voyager Card charges users a $95 annual fee, some of its other benefits – such as the annual $100 airline credit, and anniversary bonus – more than make up for this charge. If you spend at least $10,000 annually on your credit card (average $833/month), you will earn a bonus 5,000 Expedia+ rewards bonus points, which can have a value of up to $70, thus covering most of the annual fee. If can take advantage of one or both of these offers, we believe the annual fee should not be a major deterrent from applying. The welcome bonus on the Expedia+ Voyager Card from Citi is 25,000 points, and a little lackluster when compared to other cards at a similar price tag. The bonus is enough for a $350 +VIP Access hotel coupon, $175 rate hotel coupon, or a $150 airline ticket.

The bottom line: The Expedia+ Voyager Card from Citi can rival some of the best travel and hotel rewards credit cards out there. However, it requires users to be very involved in managing their points and understanding the best redemption scenarios. If used to make the wrong purchases and redemptions, this card can end up with rewards rates below 1%. To those who want to get the best out of their Expedia+ Voyager Card we recommend reading the below sections.

Expedia®+ Voyager Card From Citi Benefits & Features

Image of Expedia®+ Voyager Card from Citi
Annual Fee $95
Purchase 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

Earning Rewards: Whenever you make purchases using a Expedia®+ Voyager Card, you will earn Expedia+ rewards bonus points. You receive 4 points per $1 spent on any flights, hotels, activities and vacation packages purchased through Expedia. Using the card to pay for dining out and entertainment will net you 2 Expedia+ rewards bonus points for every $1 spent. All other purchases earn 1 point per $1.

Bonuses: After first signing up for the Expedia®+ Voyager Card from Citi, you will have the opportunity to earn a welcome bonus of 25,000 points. To qualify, users must spend $2,000 in purchases within the first 3 months of opening their account. Depending on how you use this bonus, it can be worth anywhere between $350 and $150. To squeeze the most out of your bonus, we recommend using it to get +VIP Access hotel coupons. Outside of the welcome bonus, users can also earn an additional 5,000 Expedia+ rewards bonus points every year in which they make at least $10,000 in purchases. If used to its full potential, this anniversary bonus can carry a value of $70 - enough to cover 74% of the annual fee.

Rewards Rate: Given the way this card’s benefits are structured, we calculated its rewards rate to be between 0.63% and 5.6%. The Expedia®+ Voyager Card’s rewards rate is excellent when the card is used to make purchases that earn 4 and 2 points per $1. This is the only case which results in a rewards rate above 2% (which can be attained with a good cash back credit card). Furthermore, to get the best value out of the card, we recommend redeeming your points strictly on +VIP Access hotels, if possible - followed by regular rate hotels, and finally flights. The table below shows you the various rewards rates attained with the Expedia®+ Voyager Card, after various point earning/redemption combinations. We have bolded the optimal rewards.

Expedia®+ Voyager Card Rewards Rate
 Spending Category Redeeming for Flights Redeeming for Rate Hotel Coupons Redeeming for +VIP Access Hotel Coupon
Expedia 2.4% 2.8% 5.6%
Dining & Entertainment 1.2% 1.4% 2.8%
Other 0.6% 0.7% 1.4%

Using the points earned to book +VIP Access hotel stays produces the highest value. For every 3,500 points redeemed you get a $50 +VIP Access hotel coupon. That is a value of $0.014 per point ($50 / 3,500). Regular hotel coupons offer half that value: 3,500 Expedia+ rewards points are needed for a $25 coupon, resulting in a value of $0.007 per point ($25 / 3,500). The worst deal you can get is when you use your points to pay for flights through Expedia. You need at least 8,000 points, which are then redeemed for a flight up to $50 – this results in a point value of $0.006 ($50 / 8,000). We go into more details about point redemption in the following section.

Redeeming Expedia+ Rewards Bonus Points

We’ve read through the fine print on the various redemptions available through the Expedia+ rewards program. The following are the essential details you must keep in mind when redeeming the points you earn through the Expedia®+ Voyager Card.

Hotel & Package Coupons

  • Expedia®+ Voyager cardholders may use their points on 1 of 3 coupon types: +VIP Access Hotel coupons, rate hotel coupons, and package coupons. +VIP Access hotels are those with open partnerships with Expedia, which provide their users with extra benefits. There is no shortage of options, as there are over 600 of these hotels in North America alone. To read more about +VIP Access, you may visit Expedia's website. Expedia Rate Hotel coupons are all other hotels listed on Expedia's website, which do not have the +VIP logo. Finally, packages are simply hotel + airline combinations organized by Expedia.
  • Coupons are a 1-time use item, and any leftover value becomes void. That means if you have an $800 coupon, and use it to pay for a $780 hotel stay, the difference ($20) is essentially lost. This is less than ideal, and the one gripe we have with Expedia’s rewards program.
  • Coupons can only be applied to one hotel room per booking. This reduces the usability of your rewards, for individuals who travel with families.
  • Coupons expire one year from the day they are created. This means you should hold off on redeeming points for as long as possible, and only do so right before you’re going to use them.

Flights

  • You can use your Expedia+ rewards bonus points to book flights. Unfortunately, this is less than optimal. If you exclusively use the card for purchases on Expedia, that results in a fairly decent rewards rate of 2.5% (4 points x 0.00625). However, all other spending will net you 1.25% at best (2 points x 0.00625). Therefore, we generally recommend against using the points earned with this card to pay for airline tickets.
  • All flights you book with Expedia+ rewards bonus points cannot be canceled or changed. Only use them if you are absolutely sure you can go through with your plans, otherwise you can potentially lose a lot.
  • Finally, when paying for a flight using Expedia+ points, you must cover the entire cost of the tickets using them. This means you cannot use your points to pay down a part of the airfare, and then pay the rest with your money.

Donating to St. Jude Children’s Research Hospital

  • One final thing you can do with your Expedia+ rewards bonus points is to donate them to charity. You can redeem your points for donations to St. Jude Children’s Research Hospital. For every 3,500 points you donate, Expedia will donate $25.

$100 Annual Airline Statement Credit

Every year, the Expedia®+ Voyager Card will give its members $100 credit towards paying down any incidental airline fees – this covers things such as baggage fees, in-flight food and entertainment, and Wi-Fi. If you apply for TSA Pre✓™/Global Entry, and pay for it using your Expedia®+ Voyager Card from Citi, you can also use the $100 credit to pay the application fee.

If you can take advantage of this benefit, in full, every year, it more than makes up for the $95 annual fee. If you are an individual who flies frequently enough to ring up $100 worth of crackers, vodka tonics, and in-flight movie rentals, this one is sure to leave your wallet breathing easy.

Expedia+ Gold Status

As long as you remain an Expedia®+ Voyager cardholder, you will have complimentary Expedia+ Gold status. This status allows for exclusive benefits, including dedicated customer service, and free room upgrades at +VIP Access hotels.

Normally, to receive gold status, a user would need to spend $10,000 on Expedia within a year, or book a total of 15 nights at hotels. You can read more about all the perks available to Expedia+ Gold Status users on their website.

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

It is difficult to determine the value of the Expedia®+ Voyager Card in a vacuum. That is why we matched it up against some leading credit cards in the industry, to see how it preforms.

Expedia®+ Voyager Card from Citi vsChase Sapphire Preferred® Card

Chase Sapphire Preferred® Card is an excellent travel rewards card, which is part of Chase Ultimate Rewards – one of the best credit card rewards programs. If you are looking for flexibility in the rewards you earn from a credit card, Ultimate Rewards has Expedia beat. While Chase Sapphire Preferred® Card cardholders will earn lower rewards rate than Expedia®+ Voyager users (2.5% vs 5.6%), they have significantly more options to choose from. Ultimate Rewards points can be used to book trips using Chase’s online portal, used for cash back, or transferred to one of many participating airline or hotel partners.

The welcome bonus on the Chase Sapphire Preferred® Card is one of the best around – it is worth $625 in travel rewards. By comparison, the welcome bonus on the Expedia®+ Voyager Card is worth only $350 (in its best redemption scenario). As was the case with the Barclaycard Arrival Plus, the Expedia®+ Voyager Card from Citi will eventually make up for this lackluster bonus, as long as cardholders are cashing in on the anniversary bonus.

Expedia®+ Voyager Card from Citi vs Barclaycard Arrival Plus World Elite Mastercard

The Barclaycard Arrival Plus, a top tier travel rewards card, provides users with a 2.1% rewards rate on all their purchases, when miles are redeemed for travel statement credit. This is significantly lower than what you can get out of the Expedia®+ Voyager Card From Citi. However, the Barclaycard Arrival Plus is correspondingly simpler to use. When using it, you never have to worry about which charges you are putting on your credit card, and redeeming your rewards miles is simple and straightforward.

Short-term gains are higher with the Barclaycard Arrival Plus, since it has a much better welcome bonus – it is worth twice as much as that of the Expedia®+ Voyager Card. In the long-term, however, the Expedia®+ Voyager will win out for users who spend at least $10,000 annually - especially for rewards maximizers, due to the continuing anniversary bonus of 5,000 points.

Expedia®+ Voyager Card from Citi vs Starwood Preferred Guest® Credit Card from American Express

The Expedia®+ Voyager Card from Citi can produce higher rewards on hotel stays than the Starwood Preferred Guest® Credit Card from American Express, which is one of the best hotel cards. Once again, the Starwood Preferred Guest® Credit Card from American Express is the clear winner when it comes to simplicity and ease of use. Its program allows users to essentially earn between 2.4% and 4.8% back, in the form of stays at any of the 1,300 Starwood hotels around the world. The Starwood card allows users to also enjoy great rewards on all their spending, unlike the Expedia®+ Voyager Card which is only profitable when users use it on Expedia, dining and entertainment purchases.

The welcome bonus on the Starwood Preferred Guest® Credit Card from American Express is valued at roughly $600 – $250 more than what you get with the Expedia®+ Voyager Card. Users looking the highest short-term value, and a way to earn rewards quickly would prefer the Starwood Preferred Guest® Credit Card from American Express.

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

The Expedia®+ Card from Citi is the ‘no annual fee’ version of the Voyager Card. Because users don’t have to pay an annual fee, several of the card’s benefits have been cut. The maximum attainable rewards rate with the Expedia®+ Card is 4.2%. Expedia®+ cardholders earn 3 points from Expedia purchases, and 1 point per $1 everywhere else – meaning there are very few chances to collect a high rewards rate, when compared to those on the Expedia®+ Voyager Card.

If you can take advantage of the $100 airline credit or anniversary bonus, you should prefer the Expedia®+ Voyager Card from Citi to the Expedia®+ Card. Those two features, which are absent in the ‘no annual fee version’, more than make up for the annual fee. Since this becomes a non-issue, we recommend opting for the higher rewards available through the Voyager card.

Comparison Tool

Figuring out the true value of the Expedia®+ Voyager Card is a tricky matter – especially since its rewards can vary from fantastic to abysmal. You can use our tool below to help you determine how the card will perform with your personal spending patterns, and how those same patterns would reward you with other leading credit cards in the market.

Edit Monthly Spend: $1,430
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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.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up 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.

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 sign-up 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.

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.

Starwood Preferred Guest® Credit Card from American Express
$0 introductory annual fee for the first year, then $95. 3.69%
$600
Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months
$1,329
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $95.
APR 16.24%-20.24% Variable
*Rates and Fees

Card Details

  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.024 = $824
Bonuses
25,000 x $0.024 = $600
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,329
Chase Sapphire Preferred® Card
Introductory Annual Fee of $0 the first year, then $95 2.86%
$625
50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening
$1,028
Graph Card Read Review More Details
Annual Fee Introductory Annual Fee of $0 the first year, then $95
APR 16.99% - 23.99% Variable

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $498
Bonuses
50,000 x $0.013 = $625
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,028
Barclaycard Arrival Plus® World Elite Mastercard®
$89 - Waived first year 2.92%
$420
Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
$1,052
Graph Card Read Review More Details
Annual Fee $89 - Waived first year
APR 16.99%, 20.99% or 23.99% Variable

Card Details

  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness.
  • There is a fee for balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.011 = $721
Bonuses
40,000 x $0.011 = $420
Less Annual Fees -$89
Total Net Estimated Rewards Through 24 Months 1,052
Discover it® Miles
$0 2.15%
$257
Discover will match all the Miles you've earned at the end of your first year. Bonus Miles - For example, if you earn 30,000 Miles, you get 60,000 Miles.
$772
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
257 x $0.01 = $257
Total Net Estimated Rewards Through 24 Months 772
Expedia®+ Card from Citi
No Annual Fee 0.97%
$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
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

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
Expedia®+ Voyager Card from Citi
$95 0.75%
$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
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

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

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.

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.