Pros
5X on hotels, car rentals, and attractions via Citi Travel: High travel earn when booking through Citi's portal
No annual fee: Enjoy the benefits of the card without having to pay an annual fee
2x at restaurants: Great earn on restaurant purchases
Cons
Lower transfer value and no AA access: Poorer transfer ratios and no transfer to American Airlines
No travel perks or lounge access: Lacks protections and benefits found on premium cards
