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CITI TRAVEL with Booking.com

Introducing citi travel℠: your first stop to your next destination.

Earn ThankYou ® Points when you pay for part, or all, of your trip with your eligible Citi Card through the Citi Travel portal. Plus, you can redeem your points towards even more adventures through the Citi Travel portal. With customizable options and booking right from your Citi Mobile ® App for eligible cardholders, the way to go is now way easier.

Earn More ThankYou ® Points on Select Bookings Through the Citi Travel portal

10x the fun with citi premier ®.

Earn a total of 10x ThankYou ® Points on hotels and car rentals when you book on the Citi Travel portal. Offer expires June 30, 2024. 1

5X the Fun with Rewards+ ®

Earn a total of 5x ThankYou ® Points on hotels and car rentals when you book on the Citi Travel portal. Offer expires December 31, 2025. 2

More Points, More Fun with Double Cash ®

Earn a total of 5 ThankYou ® Points per $1 spent on hotels and car rentals when you book on the Citi Travel portal. Offers expires December 31, 2024. 3

Offer provides 3 additional points on top of the 1 point per dollar on purchases and 1 point per dollar for payments on purchases

Earn More Points with Custom Cash ®

Earn an unlimited additional 4 ThankYou ® Points per $1 spent on hotels and car rentals when you book on the Citi Travel portal. Offers expires June 30, 2025. 4

Additional Citi Travel Portal Benefits

The citi travel portal offers perks to make your travel booking experience easier and more convenient., access to over 1.4 million hotel and resort options, competitive prices when booking flights, hotels, cars and attractions, 24/7 customer service support for your booking needs.

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ThankYou ® Cards Make Every Day More Rewarding

It's easy to earn ThankYou ® Points with Citi credit cards. Find the one that helps you earn the most on your daily spending.

Citi Travel: Frequently Asked Questions

What is the citi travel portal.

Citi Travel is a travel booking portal that gives eligible Citi card members access to book flights, hotels, rental cars, and attractions at competitive prices, along with 24/7 customer support. Additionally, when you book through the Citi Travel portal using ThankYou ® rewards cards, you can earn ThankYou ® points on your travel spending which can then be redeemed to be used on your next journey.

How do I book through the Citi Travel portal?

To book through the Citi Travel portal:

  • Login into your Citi Mobile App or directly into the Citi Travel portal using your Citi Online User ID and password.
  • After that, search for the flights, hotels, car rentals or attractions you want to book and enter the necessary information (such as number of guests or passengers, travel dates, etc.)
  • Confirm your booking and choose whether you want to pay with card, points, or a combination of these purchase options.ns.

Can I use any Citi ® card to book through Citi Travel?

All Citi ThankYou ® Rewards Credit Cards

Citi Travel℠ is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

1 Earn a total of 10 ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 11:59 PM 06/30/2024. You earn 3 ThankYou ® Points per $1 spent on the Citi Travel portal bookings. You will earn an additional 7 bonus ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 (TTY: 711) through 11:59 PM 06/30/2024. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Premier ® Card registered at the Citi Travel portal to earn the bonus points. For bookings made with a combination of points and your Citi Premier ® Card, only the portion paid with your card will earn points. Bonus points will take up to 3 billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

2 Earn a total of 5 ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 and saying "Travel". Offer is valid through 11:59 PM 12/31/2025. You earn 1 ThankYou ® Point per $1 spent on the Citi Travel portal bookings. You will earn an additional 4 bonus ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 through 11:59 PM 12/31/2025. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Rewards+ ® Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your Citi Rewards+ ® Card, only the portion paid with your card will earn points. Bonus points will take up to 3 billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

3 Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 and saying "Travel". Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024. You earn 1 ThankYou Point per $1 spent on the Citi Travel portal bookings and an additional 1 ThankYou Point per $1 paid on Eligible Payments (as defined in the Citi ThankYou ® Rewards Terms and Conditions for Citi Double Cash ® Card Accounts) made to your Citi Double Cash card account. You will earn an additional 3 bonus ThankYou Points per $1 spent on hotel, car rental, and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 through 11:59 PM Eastern Time (ET) 12/31/2024. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Double Cash Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your eligible Citi Double Cash card, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

4 Earn an additional 4 Thank You Points per $1 spent on hotel, car rental, and attractions excluding air travel through the Citi Travel℠ portal or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 11:59 PM Eastern Time (ET) 6/30/2025. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Custom Cash ® Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your eligible Citi card, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

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10 Credit Cards That Provide Travel Insurance

Lissa Poirot

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Travel insurance helps you get your money back when things go wrong with your trip. And it remains a debate: Do you really need it, and is it worth it?

Personally, I’ve often skipped travel insurance, preferring to put the extra money toward my trip. Yet as I pulled into the airport after a winter ski trip to Jackson Hole, Wyoming, in my SUV rental, a snowplow kicked up a rock and a crack extended across the windshield. And just like that, I got in the dreaded rental car accident .

Thankfully, I had rented my car with my Delta SkyMiles® Gold American Express Card , which covered rental car windshield reimbursement. Note that I had also specifically opted out of the car rental's insurance coverage offered at the counter, which is a requirement in order to allow my credit card coverage to kick in. Terms apply.

» Learn more: The best travel credit cards right now

A number of credit cards provide various types of travel insurance (including trip cancellation, trip interruption and car rental loss and damage insurance) when you use your card to pay for flights, rental cars and other travel expenses. So do you need additional travel insurance? Maybe not.

What does your travel insurance cover?

First, let’s look at the different types of coverage that your credit card may offer to help protect your trip, from your bags to your rental car to your health.

Baggage delay . If your luggage doesn’t arrive when you do, you may receive a reimbursement to offset the costs of having to purchase new attire and other items you may need. The length of delay required and the coverage offered varies by card.

Lost/damaged baggage . If your bags are lost or damaged by a carrier, or items have been stolen from your baggage, your provider may provide monetary compensation.

Trip delay . If your trip on a common carrier is delayed, you may receive monetary compensation to help cover meals, hotels, transportation and necessary purchases up to a certain amount per ticket.

Trip cancellation . If you need to cancel a prepaid, nonrefundable trip, you may receive compensation to offset the lost funds. This benefit generally applies to cancellations for covered reasons, which vary by card.

Trip interruption . If you miss a portion of your trip due to a covered reason, this benefit will reimburse you for any unused, prepaid, nonrefundable reservations (i.e., excursions, hotel nights).

Medical treatment . If you are hurt while traveling and require medical treatment, medical expenses may be covered up to a certain dollar amount.

Medical evacuation . If your illness or injury requires you to return home immediately for care, the insurance coverage through your card may cover the costs.

Travel accident insurance. In the case of accidental death or dismemberment, your credit card may provide coverage to you or to your beneficiary

Rental car insurance. This coverage provides protection to your rental car against theft and damage. Coverage may be primary or secondary to your personal auto insurance, depending on the card.

» Learn more: Should you insure your cruise?

Popular credit cards with travel insurance

Some of the best travel rewards cards include various forms of travel insurance. These are a few of our favorite cards that offer certain types of coverage. If you have a different travel rewards card, it’s a good idea to check the benefits of your card before assuming that it either does or doesn’t have any of the coverage listed here.

1. Chase Sapphire Reserve®

Chase Sapphire Reserve Credit Card

Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

Trip delay: Up to $500 per ticket for delays more than six hours.

Baggage delay: Up to $100 per day for five days.

Lost luggage: Up to $3,000 per passenger.

Travel accident: Up to $1,000,000.

Rental car insurance: Up to $75,000.

2. Chase Sapphire Preferred® Card

Chase Sapphire Preferred Credit Card

Trip delay: Up to $500 per ticket for delays more than 12 hours.

Travel accident: Up to $500,000.

Rental car insurance: Up to the actual cash value of the car.

3. Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant American Express Card

Lost luggage: Up to $2,000 for checked bag and up to $3,000 for checked and carry-on bag. New York state residents get $2,000 per bag, up to a maximum of $10,000 for all covered persons per trip.

Travel accident insurance. Up to $500,000.

Trip delay insurance: Up to $500 per trip. Maximum benefit of $1,000 per 12-month period.

Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

4. Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless™ Credit Card

Baggage delay: Up to $100 per day for five days for essential purchases like toiletries and clothing for delays of over six hours.

Lost luggage: Up to $3,000 per passenger for checked or carry on luggage.

Damaged luggage: Up to $3,000 per passenger for checked or carry on luggage.

5. Southwest Rapid Rewards® Plus Credit Card

Chase Southwest Rapid Rewards® Plus Credit Card

Baggage delay: Up to $100 per day for three days.

Travel accident insurance: Up to $250,000 to $500,000 (Visa Platinum and Visa Signature, respectively).

Rental car insurance: Up to actual cash value of vehicle.

Travel and emergency assistance services: Assistance and referral via the Benefit Administrator, cardholder is responsible for all costs.

6. United℠ Explorer Card

Chase United Airlines Mileage Plus Credit Card

Trip cancellation: Up to $1,500 per person and $6,000 per trip.

Trip interruption: Up to $1,500 per person and $6,000 per trip.

Rental car insurance: Covers damage or theft with restrictions.

7. Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

Lost carry on luggage: Up to $1,250 per person for carry on baggage while in direct transit to or from a common carrier terminal, while traveling on a common carrier or while at a common carrier terminal.

Lost checked luggage: Up to $500 per person while traveling on a common carrier.

Rental car insurance: Up to $50,000.

Terms apply.

8. The Platinum Card® from American Express

The Platinum Card® from American Express

Trip delay: Up to $500 per trip for delays more than 6 hours.

9. Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Lost luggage: Up to $3,000 per passenger. For New York state residents, coverage is limited to $2,000 per bag.

Travel accident insurance: Up to $250,000.

Rental car insurance: Covers damage or theft with restrictions. Eligible rental periods are limited to 15 consecutive days in the cardholders home country or 32 consecutive days outside it.

10. Hilton Honors American Express Aspire Card

Baggage delay: Up to $100 per carrier for three days.

Do I need additional travel insurance?

Even with the coverage listed above, some credit cards offering travel insurance benefits may not provide enough insurance for your needs. For example, if you have paid $10,000 for a vacation using your card and trip cancellation is not offered, you may want to purchase additional coverage. Likewise, if you book a very expensive trip but your card only covers $10,000 in trip cancellation coverage, you may want to consider additional coverage.

American Express offers full travel insurance options through AmEx Assurance . This specific benefit is available to all travelers and does not require an American Express card. You can pick and choose the coverage you want, and a quote will be processed based on your age, trip expense and days traveling.

For example, here's what we found when requesting insurance for a two-day trip that costs $1,000. You can decide what coverage you'd like and see the full cost of your options:

The quote we received covered 100% reimbursement for cancellation, then offered different levels for other types of coverage.

Medical protection was available for $25,000 to $100,000.

Travel accident protection was available for $250,000 to $1,500,000.

Baggage protection was available for up to $500 to $2,500.

Trip delay coverage was offered for $150 to $1,000 per day, depending on selecting basic, silver, gold or premium options.

When renting a car, be sure to check the specific requirements of your credit card, which may vary by location and type of vehicle.

So do you need travel insurance? A good rule of thumb is if the amount you could lose is more than you want to lose (or can afford to lose) if something goes wrong, get the insurance. For a list of travel insurance companies that provide online quotes, read more about how to find the best travel insurance .

» Learn more: Does trip insurance cover award flights?

Cards with travel insurance, recapped

If you are concerned about an upcoming trip and want to be fully protected, combine your travel credit card insurance with a build-your-own plan to cover what your credit card does not.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

citi card travel insurance

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  • Citi Aadvantage Executive World Elite Mastercard

21 Benefits of the Citi AAdvantage Executive World Elite Credit Card

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21 Benefits of the Citi AAdvantage Executive World Elite Credit Card

1. Welcome Bonus Miles

The value of complimentary lounge access, 3. global entry or tsa precheck credit, 4. get closer to aadvantage elite status, 5. flight benefits, 6. savings on inflight purchases, 7. earn 4x to 5x miles on american airlines purchases, 8. earn miles on every purchase, 9. redeem miles on partner airlines, 10. add authorized users, 11. no foreign transaction fees, 12. concierge services, 13. citi private pass, 14. save on grubhub purchases, 15. earn lyft credits, 16. earn avis and budget car rental credits, 17. travel protections, 18. purchase protection, 19. extended warranty, 20. world elite mastercard benefits, 21. citi banking relationship annual credit, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

If you’re an American Airlines loyalist and fly frequently on the airline, you’ve probably given thought to securing an American Airlines AAdvantage credit card. Having an AAdvantage branded credit card allows you to earn AAdvantage miles quickly, receive flight benefits, and save money on inflight purchases.

However, some AAdvantage-branded credit cards come with more benefits than others. For example, if having airport lounge access is important to you, there is only 1 AAdvantage credit card that delivers this valuable benefit complimentary.

The Citi ® /AAdvantage ® Executive World Elite Mastercard ®   comes with all the expected priority flight benefits, inflight savings, and accelerated earnings on American Airlines purchases. It also offers an extraordinary Admirals Club lounge access benefit that extends to your traveling companions and authorized users. The AAdvantage Executive World Elite card can also help you reach elite status.

In this article, you’ll find a deep dive into all the benefits that come with the card and see if the card delivers the value proposition you’re looking for as a frequent American Airlines flyer.

You can count on thousands of AAdvantage frequent flyer bonus miles when you are approved for the AAdvantage Executive World Elite card and complete the initial spending requirements in the first 3 months after card approval.

Citi® / AAdvantage® Executive World Elite Mastercard®

Citi ® / AAdvantage ® Executive World Elite Mastercard ®

Access to Admirals Clubs, tons of added benefits, and a way to spend towards elite status make this a great option for American Airlines loyalists.

The Citi ® /AAdvantage ® Executive World Elite Mastercard ® is a go-to card thanks to its exclusive perks and benefits for people who love to fly American Airlines. With a complimentary Admirals Club membership, free checked bags, inflight discounts, and the ability to earn Loyalty Points for every $1 you spend, there is plenty to love about the card.

  • Earn 70,000 American Airlines AAdvantage ® bonus miles after spending $7,000 within the first 3 months of account opening.
  • Admirals Club ® membership for you and access for up to two guests or immediate family members traveling with you
  • No Foreign Transaction Fees on purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage ® mile earned from 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
  • $595 annual fee
  • Doesn’t earn many miles on all other eligible purchases

Financial Snapshot

  • APR: 21.24% - 29.99% Variable
  • Foreign Transaction Fees:

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American Airlines AAdvantage Frequent Flyer Program

  • Benefits of the Citi AAdvantage Executive World Elite Card
  • Best American Airlines AAdvantage Credit Cards
  • Best Citi Credit Cards
  • Best Credit Cards for Airport Lounge Access
  • Best Credit Cards for American Airlines Flyers
  • How To Get American Airlines Elite Status (And Is It Worth It?)

Do note that the welcome bonus miles are not offered to consumers who have received a new account bonus for an AAdvantage Executive World Elite card in the past 48 months.

2. Admirals Club Membership

Admirals Club Bar

Depending on your level of American Airlines AAdvantage elite status and the type of lounge membership you select, the cost of an annual Admirals Club membership can vary greatly.

If you are currently paying for an annual Admirals Club membership, securing the AAdvantage Executive World Elite card can make economic sense.

Since complimentary Admirals Club access comes with the card, you could potentially save hundreds of dollars by having the card versus purchasing an Admirals Club membership. The card charges an annual fee of $595 .

Plus, with the AAdvantage Executive World Elite card, you can bring in 2 guests or your entire immediate family. Additionally, authorized users ($175 per year) receive the same Admirals Club lounge privileges, including access for their guests.

With nearly 50 Admirals Clubs and more than 60 affiliated partner lounges worldwide, having complimentary access is a huge benefit. Find out more about Admirals Clubs and the amenities they offer in our complete guide.

Receive up to $100 reimbursement, as a statement credit, when paying your Global Entry or TSA PreCheck application fee with your card. You will be eligible for the credit once every 4 years.

When you use this credit card, you’ll earn 1 Loyalty Point for every dollar you spend. Plus, you can earn Loyalty Point bonuses.

When you reach 50,000 Loyalty Points in a qualification year, you’ll earn a 10,000 Loyalty Point bonus . You’ll receive another 10,000 Loyalty Point bonus after reaching 90,000 Loyalty Points in the same qualification year. These bonuses are Loyalty Points only and don’t include redeemable miles.

For the qualification year ending February 29, 2024, the 10,000 Loyalty Point bonus can be earned by spending $40,000 on purchases or reaching 50,000 Loyalty Points. For the qualification year beginning March 1, 2024, the Loyalty Point boosts can only be achieved by reaching 50,000 and 90,000 Loyalty Points. There is a limit of 20,000 Loyalty Points per member that can be earned through these bonuses.

  • Free Checked Bag — Free checked bag for the cardholder and up to 8 travel companions on the same domestic American Airlines, and subsidiaries, reservation. With a checked bag costing $25 one-way, this benefit is a real money saver.
  • Priority Boarding —  Early boarding (group 4) ensures space for your bags and a chance to get settled on board ahead of the crowd. You and up to 8 traveling companions can enjoy the priority boarding privileges that come with the card.
  • Priority Check-In — Avoid the crowds when checking in for your flight when you use the business or first class priority check-in lane , regardless of the class you are flying on American. You and up to 8 additional travelers, on the same reservation, can use the priority check-in lane.
  • Priority Airport Screening — Receive priority TSA screening, where available, for yourself and up to 8 companions on the same reservation when traveling on American Airlines-operated flights.

American Airlines inflight food purchase

Use your AAdvantage Executive World Elite credit card to purchase inflight food and beverage on American domestic flights and receive a 25% statement credit on your purchase. The discount is unlimited.

Use your card for purchases on American Airlines and receive 4x miles for every dollar spent.

After spending $150,000 on purchases in a calendar year, you’ll earn 5x miles per dollar spent on American Airlines purchases for the remaining calendar year.

Earn 10x miles per dollar spent on qualifying car rentals booked through aa.com/cars and 10 miles per dollar spent on qualifying hotel bookings through aa.com/hotels. All other purchases you make with your card earn 1 mile per dollar spent.

The AAdvantage miles you earn on your AAdvantage Executive World Elite card can be redeemed for flights on American Airlines but also on a large network of Oneworld Alliance and partner airlines such as British Airways, Cathay Pacific, Iberia, Japan Airlines, and more.

Flagship Lounge

You can add authorized users  to your AAdvantage Executive World Elite card for a cost of $175 per year. Authorized users enjoy access to Admirals Club lounges including the ability to bring 2 guests or immediate family.

Take your card with you when you travel the world as there are no transaction fees charged on foreign purchases.

Enjoy the services of a dedicated concierge to assist you with travel plans, shopping, entertainment, or dining arrangements.

Given that the card is issued by Citi, cardholders receive special access to a wide variety of dining and entertainment events such as concerts, sporting events, and theater tickets. Cardholders also receive invitations for unique experiences and exclusive offers.

Get a monthly statement credit of $10 for Grubhub purchases, for a total of up to $120 in statement credits per 12 billing statements.

After taking 3 eligible Lyft rides in a calendar month, and paying in full or partially using your AAdvantage Executive World Elite card, you’ll get a $10 Lyft credit. There’s a maximum of $120 in credits that can be earned each year.

Cardholders will receive a $1 statement credit for every $1 spent on eligible Avis or Budget car rentals, up to $120 each year. Read our guide on how to use the $120 Avis/Budget credit to find out more.

The rentals must be paid for using the AAdvantage Executive World Elite card and must be booked directly through Avis or Budget. Rentals booked through third-party websites do not qualify for the credit. The statement credit can take 8 to 10 weeks to be applied to your account.

The AAdvantage Executive World Elite card comes with travel protections including:

  • Trip cancelation and interruption protection
  • Trip delay protection
  • Lost baggage protection
  • Car rental Insurance

Purchase a covered item with your AAdvantage Executive World Elite card and receive theft and damage coverage for 120 days (90 days for New York residents) from the date of purchase. You’re covered for up to $10,000 per item, totaling no more than $50,000 per calendar year.

Hot Tip: If this coverage is an important requirement for you, there are many credit cards that offer purchase protection .

Pay for an eligible item in whole or in part with your AAdvantage Executive World Elite card and have a maximum of 24 months added to the manufacturer’s warranty. Coverage is limited to the amount charged on your card or $10,000, whichever is less.

World Elite Mastercard partners

World Elite Mastercard benefits are many but often overlooked. Here’s a summary of the extra benefits you can expect from the World Elite Mastercard program:

  • Benefits with partners such as Lyft , DoorDash , and ShopRunner
  • Complimentary room upgrades, breakfast, and other amenities at over 2,000 luxury hotels
  • Hotel lowest rate guarantee
  • 24/7 travel assistance
  • Car rental savings and elite status
  • Savings on vacations, private jets, hotels, cruises, and more

The last perk is a unique benefit available only to qualified Citigold banking clients, and it entitles you to a $145 statement credit each cardmember year as long as you remain a cardmember and are billed the $595 annual fee.

The biggest benefit of having the AAdvantage Executive World Elite card is receiving complimentary lounge access to the Admirals Club and affiliated lounges. An annual household membership to the Admirals Club alone can cost as much as $1,650.

Because complimentary lounge access allows 2 guests or immediate family to enter with the cardholder, this access benefit can be effectively the same as having a household membership, especially since you can add a family member as an authorized user and your entire traveling party, related or not, can have access ($175 each per year).

If lounge access isn’t important to you, but you still frequent American Airlines, the Citi ® / AAdvantage ® Platinum Select ® World Elite™ Mastercard ® with its annual fee of $99, waived for first 12 months , might be a good alternative selection for an AAdvantage-branded credit card.

Or if you fly a lot of different airlines, find value in earning rewards, and enjoy receiving additional travel benefits, a general travel rewards credit card could be a viable consideration.

The information regarding the Citi ® / AAdvantage ® Platinum Select ® World Elite™ Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Is the citi aadvantage executive world elite card worth it.

If you are currently paying for an annual Admirals Club membership, you could potentially save hundreds of dollars just by having the AAdvantage Executive World Elite card.

An individual Admirals Club membership alone can cost more than $650 and the card charges an annual fee of just $595 .

If lounge access is not important to you, you may be better off with another AAdvantage branded card with a lower annual fee or a general travel rewards credit card.

How does Admirals Club lounge access work?

The AAdvantage Executive World Elite card comes with complimentary access to Admirals Club and network lounges worldwide for the cardholder and 2 guests or their immediate family.

For example, if the cardholder is traveling with their spouse and 2 teenage children, which is a total of 3 guests, they would all be allowed to enter because they are all immediate family.

Authorized users on the card also receive complimentary Admirals Club lounge access and can bring in 2 additional guests or their immediate family. It costs $175 to add an authorized user to your card.

Do authorized users receive a free checked bag?

No, authorized users on the card do not receive flight benefits such as a free checked bag or priority boarding.

Can I transfer American Airline AAdvantage miles to other airlines?

No, you cannot transfer AAdvantage miles to other airlines, but you can use your miles to book award flights with a large network of partner airlines.

You can also redeem miles for an Admirals Club membership, car rentals, vacations, hotels, gift cards, magazines, or donate your miles to charity.

Will my miles expire if I cancel the card?

Miles will not expire if you cancel your AAdvantage credit card as long as the miles you have earned have been transferred to your AAdvantage frequent flyer account.

Each statement period when miles are earned, they are transferred into your AAdvantage frequent flyer account when the monthly statement closes. If you are going to cancel your card, be sure all of the miles you’ve earned have been transferred into your AAdvantage account first before canceling your card.

Any miles not transferred into your AAdvantage account could be lost.

Once miles have been deposited into your AAdvantage account (from your credit card), they are subject to the AAdvantage program rules which state that miles do not expire as long as there is current activity.

If your account goes 24 months without activity, your miles will expire.

Current activity is defined as earning or redeeming miles. Once you have a qualifying activity, the 24-month period starts over and your miles are safe for another 24 months.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Credit Cards

Guide to Citi ThankYou travel portal

Carissa Rawson

Ashley Barnett

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Robin Saks Frankel

Published 6:47 a.m. UTC Feb. 26, 2024

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Featured Image

Gerasimov174, Getty Images

Citi is a Blueprint partner.

Like other card issuers such as American Express , Capital One and Chase , Citi® maintains a travel portal through which cardholders can book hotels, rental cars, flights and activities. Whether or not this is a good idea depends on how you travel.

Let’s take a look at the Citi ThankYou® travel portal, how it works and who can access its booking features.

  • The Citi ThankYou travel portal offers flights, hotels, rental cars and activities. 
  • Eligible cardholders can earn elevated rewards on bookings through Citi travel.
  • The Citi ThankYou travel portal provides access to extra hotel benefits via the Luxury Collection and the Hotel Collection.

How to book travel through the Citi travel portal

Booking travel through Citi’s portal is simple. First, you’ll want to navigate to the Citi ThankYou travel portal website . You’ll be prompted to sign in with your online account and choose which Citi card you’ll be using to book your travel. Once signed in, you’ll be directed to the travel portal’s home page.

citi card travel insurance

From here, you can choose what type of travel you’re looking to book, whether that’s a hotel, flight, rental car or activity.

For example, if you were looking to book a hotel through the Citi ThankYou travel portal, you’d simply need to enter your destination, dates of travel and how many people you’re traveling with.

citi card travel insurance

The portal will then pull up a page showing all the results that match your search. You can also check out what properties are available by using an interactive map. The search includes a long list of filters by which you can sort properties, including star rating, neighborhood, cancellation options, bed type, property amenities and hotel brand.

Once you’ve selected the travel you’re looking for, you’ll be taken through the checkout process. This includes providing personal and payment information, like your frequent flyer number for a flight.

Note that you’ll need to use your eligible Citi card to pay for your booking. It’s also during checkout that you can decide whether or not you’d like to redeem your Citi ThankYou points.

Once you’ve completed your booking, you’ll receive a confirmation email. You can also find your upcoming bookings within the travel portal via a drop-down menu in the upper right corner.

citi card travel insurance

Who can use the portal?

The Citi ThankYou travel portal is available to cardholders who have the following Citi cards :

  • Citi Premier® Card * The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
  • Citi Rewards+® Card * The information for the Citi Rewards+® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
  • Citi Double Cash® Card

Citi Custom Cash® Card

  • Citi Prestige® Card (no longer open to new applicants).

our partner

Blueprint receives compensation from our partners for featured offers, which impacts how and where the placement is displayed.

Welcome Bonus

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

  • No annual fees.
  • Easy-to-redeem cash-back rewards.
  • Introductory APR period.
  • Charges foreign transaction fees.
  • There’s a balance transfer fee.
  • Limited cash-back reward categories.

Card Details

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou ®  Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

Is the portal worth using?

The Citi ThankYou travel portal isn’t always the best way to book your travel. This is because it doesn’t offer a best-price guarantee, so the pricing you see on the portal may not reflect the lowest available prices.

There may also be an issue if you book hotels or rental cars through the Citi ThankYou travel portal and want to receive any elite status benefits. Generally speaking, hotel and rental car companies exclude third party bookings from elite status perks. This also means you won’t earn any bonus points or elite status credit from your bookings.

However, any flight you book through the Citi ThankYou travel portal will earn miles and will also be eligible for elite status benefits. But, if your plans change, you’ll need to negotiate with Citi travel rather than directly with the airline for your flights.

That being said, Citi heavily rewards those who choose to book within its travel portal. Depending on which card you hold, you can earn up to 10 Citi ThankYou points per $1 spent on eligible bookings through the travel portal (through June 30, 2024).

How to maximize your Citi travel benefits through the portal

Although the Citi ThankYou travel portal may not provide the best prices, there are two key benefits it offers that provide serious benefits. The first is the ability to book certain tickets and attractions through the portal.

This includes tickets to popular amusement parks such as Universal Studios Orlando.

citi card travel insurance

Eligible cardholders can easily redeem their Citi ThankYou points for theme park tickets using this method. Those who hold the Citi Premier Card can also earn 10 points per $1 spent through June 30, 2024.

The second key benefit is that the Citi ThankYou travel portal offers access to the Luxury Collection and the Hotel Collection. Those with a Citi Prestige Card or a Citi Premier Card can book both of these options. The Luxury Collection mimics elite status benefits at high-end hotels and can provide room upgrades, a $100 experience credit, complimentary breakfast, late check-out and more. 

The Hotel Collection is available to all cardholders with access to the Citi ThankYou travel portal. Its benefits include daily breakfast, free Wi-Fi, early check-in and late check-out.

Quick guide to Citi ThankYou Rewards

Citi ThankYou Rewards can be earned from a variety of different credit cards, as we noted above. These points can be highly valuable, especially when they’re transferred to Citi’s hotel and airline partners. This is generally considered to be the best way to use your Citi points since you can score outsized value when redeeming your points for reward redemptions.

Other ways to redeem Citi ThankYou points include:

  • Online shopping.
  • Gift cards.
  • The Citi ThankYou travel portal.
  • Donations. 
  • Statement credits. 
  • Cash. 

You’ll always want to do the math before redeeming your points. For example, you’ll receive just one cent in value when redeeming your Citi points via the ThankYou travel portal, while choosing to transfer your points to a partner can yield a much higher value.

Frequently asked questions (FAQs)

Yes, it’s possible to book a flight and use your Citi points to pay. There are a few different ways to do this. The first is to transfer your points over to any of Citi’s airline transfer partners. You can then make an award redemption for a flight.

The second is to book your flight using the Citi ThankYou travel portal and redeeming your Citi points to pay for it. This has the advantage of still earning airline miles on your ticket, but it doesn’t necessarily represent the best value for your points.

The third is to purchase an airline ticket using your card and then redeeming points as a statement credit. This last option typically provides the least value and should only be used in limited circumstances.

Citi ThankYou points can be redeemed in a variety of ways, including transfers, gift cards, statement credits and more. To do so, you’ll want to navigate to Citi’s ThankYou redemption site . Once you’ve signed in to your account, you’ll be able to redeem your points online.

Like many of the best credit cards , Citi has 14 airline transfer partners, including:

  • Air France/KLM
  • Turkish Airlines 
  • Qatar Airways
  • Virgin Atlantic
  • Thai Airways
  • Singapore Airlines
  • Qantas Airways
  • Cathay Pacific 

You can also use your Citi ThankYou points via the travel portal to book flights with many different airlines.

While it’s not necessary to tell Citi if you’re traveling internationally, it may be a good idea. Setting up a travel notice lets your bank know that you’ll be out of town. This, in turn, can help avoid your card being declined or flagged for fraud on unfamiliar charges.

If you’re booking travel on Expedia’s website, the only way to redeem your points is as a statement credit. You’ll first want to pay using your Citi card. Then, you can redeem those points against the purchase to wipe it away.

*The information for the Citi Premier® Card and Citi Rewards+® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Carissa Rawson

Carissa Rawson is a credit cards and award travel expert with nearly a decade of experience. You can find her work in a variety of publications, including Forbes Advisor, Business Insider, The Points Guy, Investopedia, and more. When she's not writing or editing, you can find her in your nearest airport lounge sipping a coffee before her next flight.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Complimentary Travel Insurance with Citi Credit Cards

  • Credit Cards
  • Complimentary Travel Insurance

Travel Insurance

Complimentary Travel Insurance with Citi Credit Cards

Simply charge the Full Fare of your travel ticket to your Citi Card and activate your Complimentary Travel Insurance before you travel.

Complimentary Travel Insurance feature is available for the following cards:

  • Citi Rewards World Mastercard ® / Visa Signature Card
  • Citi Cash Back World Mastercard / Visa Signature Card
  • Citi Cash Back+ World Mastercard / Visa Signature Card
  • Citi Lazada Visa Signature Card

Please note that with effect from 1 April 2019, complimentary travel insurance will only be offered to customers who charge their airfare to the Citi Cash Back Visa Signature Card and Citi Rewards Visa Signature Card.

Remember to activate your travel insurance prior to travel to enjoy the Complimentary Travel Insurance feature.

ACTIVATE YOUR TRAVEL INSURANCE HERE

Please note for Citi PremierMiles , Citi Prestige and Citi ULTIMA Cardmembers, complimentary travel insurance is auto-activated with either AIG or AXA upon full airfare charge. Kindly click on link for more details.

Please note that for claims under the complimentary travel insurance in respect of a Covered Trip starting on or before 31 Jan 2024 and ending on or before 31 Jan 2024, such claims should be filed with AIG Asia Pacific Insurance Pte. Ltd. (“AIG”). For claims under the complimentary travel insurance in respect of a Covered Trip starting on or before 31 Jan 2024 but ending after 31 Jan 2024, such claims should be filed with HL Assurance Pte Ltd.

Effective 1 Feb 2024, the complimentary travel insurance will be underwritten by HL Assurance Pte Ltd instead of AIG Asia Pacific Insurance Pte Ltd (“AIG”).

Travel Insurance Agent: AIG / HL Assurance Pte Ltd

Who is eligible.

Cardmember, spouse (who is also a Citi Card member) and dependent children. Refer to respective policy document for details and applicable terms and conditions.

For AIG, please click here

For HL Assurance Pte Ltd, please click here

Complimentary Travel Insurance Benefits

For trips starting on or before 31 Jan 2024 and ending on or before 31 Jan 2024, please contact AIG. For trips starting on or before 31 Jan 2024 but ending after 31 Jan 2024, please contact HL Assurance Pte Ltd.

AIG Asia Pacific Insurance Pte. Ltd.

For enquiries or claims, please contact AIG Call centre at 6419 3000

(Mon - Fri, 9 am to 5 pm, except Public Holidays)

AIG's 24 hour emergency hotline no. for customer to call when overseas is 6735 2221 .

Customer should quote Policy no. 509C000003

For more details and applicable Terms and Conditions of the Travel Insurance policy, please click here .

Download the Claim form here .

The insurance products or services described above are underwritten and provided by AIG Asia Pacific Insurance Pte. Ltd.

For more information please contact CitiPhone at +65 6225 5225 .

The insurance products or services described above are underwritten and provided by AIG Asia Pacific Insurance Pte Ltd.

HL Assurance Pte Ltd

For enquiries or claims, please contact HL Assurance Pte Ltd Call centre at 6702 0202

(Mon - Fri, 9 am to 6 pm, except Public Holidays)

HL Assurance Pte Ltd's 24 hour emergency hotline no. for customer to call when overseas is 6922 6009 .

For HL Assurance Pte Ltd. Claims, please contact HL Assurance Pte Ltd. directly at 6922 6003, Fax (65) 6224 1923, [email protected]

The insurance products or services described above are underwritten and provided by HL Assurance Pte Ltd.

Airline credit cards vs. travel credit cards: Which are best?

Danyal Ahmed

Credit cards aimed at travelers come in various forms, the two most popular being airline credit cards and travel credit cards . While both types of cards can help you pay for travel, several differences may affect your choice.

Choosing a card that best suits your travel needs can be challenging considering how competitive the landscape has become regarding welcome offers, card rewards and other benefits. We review the ins and outs of airline and travel credit cards to help you determine which type of card is right for you.

What is an airline credit card?

Airline credit cards are cobranded cards offered by the issuer and a partner airline that provide benefits for flying with that specific airline. Airline credit cards earn miles associated with the airline's frequent flyer program , which you can redeem for flights on that carrier or its partner airlines.

citi card travel insurance

The annual fee for airline credit cards can range from no annual fee to upward of $500. Usually, an airline credit card with a higher annual fee includes impressive benefits such as increased earning rates, free checked bags and statement credits, among other perks.

For example, the United Quest℠ Card has an annual fee of $250 and offers 8 miles per dollar spent on United Airlines purchases, up to $125 annual statement credit for United purchases, priority boarding and other impressive benefits.

Related: Are airline credit cards worth it anymore?

Pros and cons of airline credit cards

When comparing airline and travel credit cards, there are several reasons why you might prefer an airline credit card. Although not an exhaustive list, the following table highlights the pros and cons of airline credit cards.

When does an airline credit card make sense?

Several factors may play a role in dictating whether an airline credit card makes sense. As a cardholder, if you live near an airport with a hub for a specific airline, having a card for that airline makes sense to maximize your benefits.

For example, residents who live near Chicago's O'Hare International Airport (ORD), a United hub, should consider a United credit card , such as the United Club℠ Infinite Card or the United℠ Explorer Card , to take advantage of lounges, free checked bags, priority boarding and redemption options for award flights.

citi card travel insurance

If you don't live near an airline hub and aren't committed to a particular carrier, an airline credit card might not be your best option.

Related: The best credit cards to reach elite status

What is a travel credit card?

A travel credit card earns rewards on all purchases, including bonus-earning categories. You can use your rewards to book flights, hotels, rental cars and more. A travel credit card earns rewards within the issuer's own ecosystem rather than through a specific airline frequent flyer program.

Examples of credit card programs include American Express Membership Rewards , Chase Ultimate Rewards , and Capital One Miles .

citi card travel insurance

Annual fees for travel credit cards can range from nothing to $700, corresponding to the card's perks and benefits. Typically, the higher the annual fee, the more valuable the benefits, whereas the lower the annual fee, the opposite is true.

For example, The Platinum Card® from American Express has an annual fee of $695 (see rates and fees ) but offers perks and benefits that can easily top $1,000. Benefits include an annual up to $200 hotel credit, an annual up to $200 airline credit, up to $100 Saks Fifth Avenue statement credit (up to $50 in statement credits from January through June and up to $50 in statement credits from July through December; enrollment required), a TSA PreCheck or Global Entry application fee credit and an entertainment credit for select streaming services.

Travel credit cards can offer other travel-related perks, such as complimentary travel insurance, including emergency travel medical, trip delay or cancellation**, and baggage insurance***.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

***Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

Related: The best time to apply for these 10 popular travel credit cards, based on offer history

Pros and cons of travel credit cards

Based on your personal preferences, travel credit cards may be more appealing than airline cards. Although not an exhaustive list, consider the following travel credit card pros and cons before you apply.

Travel credit cards maximize flexibility for cardholders thanks to their ability to earn transferable currency points . In addition to not being limited to one airline, you can often redeem your points toward hotels, car rentals, cruises, vacation packages and more.

As cards become more premium, so do their benefits, which translates to high annual fees. For example, the Chase Sapphire Reserve® comes with a $300 annual credit and Priority Pass lounge access but has an annual fee of $550.

When does a travel credit card make sense?

If you are flexible about the airline carriers you choose to fly with, a travel credit card makes sense. You'll benefit from bonus points for travel-related purchases, such as airfare, hotels, rental cars and sometimes parking meters and tolls.

citi card travel insurance

When contemplating between travel and airline credit cards, remember that travel credit cards won't help you earn elite status, unlike some airline cards like the Delta SkyMiles® Reserve American Express Card and the Citi® / AAdvantage® Executive World Elite Mastercard® . The biggest benefit of a travel credit card is the flexibility you get when redeeming your points or miles.

Unlike an airline credit card, travel credit cards have a variety of transfer partners you can use to book your next adventure.

Related: How many credit cards should I have?

Should you get both?

Both airline credit cards and travel credit cards have pros and cons. For example, it pays to have an airline credit card if you regularly check bags for domestic flights, especially considering the increase in checked bag fees across numerous carriers . Meanwhile, travel credit cards offer various travel insurance coverages that can provide peace of mind while traveling.

citi card travel insurance

My very first travel-orientated card was the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® because I found value in American Airlines' award chart and had several American flights lined up for the year in which I needed checked bags.

The information for the Citi / AAdvantage Platinum Select has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Soon afterward, I opened a Chase Sapphire Reserve for its lounge access, transfer partners and annual travel credit. Nowadays, I use both cards. However, since I have elite status with American, the Citi card's free checked bag is less important. That said, I still hold onto the card to earn American Airlines AAdvantage miles.

Bottom line

Both airline credit cards and travel credit cards offer benefits. They can offset travel costs and provide perks such as priority boarding, free checked bags, lounge access and various statement credits. We recommend choosing a card based on your travel needs and circumstances. You may even benefit from holding both types of cards, as long as you're maximizing the perks.

For rates and fees of the Amex Platinum, click here .

Mediafeed

4 ways travel credit cards can really save you big on your next vacation

Posted: March 29, 2023 | Last updated: July 29, 2023

<p>A travel credit card is a generic term that applies to a type of credit card that offers travel rewards. There are many different kinds of travel credit cards, and each one may offer a different array of rewards, benefits, and perks. Some travel credit cards might earn airline miles, while others offer hotel points.</p><p>Finding the right travel credit card for you will depend on your own specific spending and travel patterns.</p>

What Is a Travel Credit Card?

A travel credit card is a generic term that applies to a type of credit card that offers travel rewards. There are many different kinds of travel credit cards, and each one may offer a different array of rewards, benefits, and perks. Some travel credit cards might earn airline miles, while others offer hotel points.

Finding the right travel credit card for you will depend on your own specific spending and travel patterns.

<p>The start of 2021 will certainly be a rollercoaster with the distribution of the COVID-19 vaccine and the inauguration of a new president. These events can trigger many reactions on Wall Street. In fact, when the vaccine trial results were determined better than expected, <a href="https://www.cnbc.com/2020/11/09/heres-where-to-invest-your-money-in-2021-financial-advisors-say.html">the major stock indexes jumped to record highs.</a></p><p>If you invest in the stock market, take some time to reevaluate where you have invested your money. Industries such as fast food, streaming entertainment and at-home fitness have performed exceptionally well in 2020.</p><p>However, later in 2021, airlines, hospitality and travel industries may see a huge improvement from their depression in 2020.</p><p>The lesson? Evaluate the societal changes as we enter into the new year and how your investments may shift to meet those changes.</p>

Different Types of Travel Credit Cards

There are three main types of travel credit cards: airline cards, hotel cards, and cards that earn generic travel points.

Airline Travel Credit Cards

Many airlines offer one or more airline travel credit cards that earn  credit card miles  that you can use to fly with that specific airline. With each purchase, you can get that much closer to your next flight. Additionally, many airline travel credit cards offer perks like free checked bags, a way to earn elite status, or discounts on inflight purchases.

<p>The front desk check-in is a typical hotel experience that’s bound for some big changes, including a plexiglass partition to help reduce contact between guests and employees. You shouldn’t expect to pass over your ID card or <a href="https://financebuzz.com/best-hotel-credit-card">hotel credit card</a> during a new check-in experience because it would form a point of contact. Instead, hotels may transition to contactless payments and verification methods.</p><p>Don’t be surprised if some hotels don’t require a visit to the front desk at all, as this would be one of the best ways to limit human interaction and contact points. Digital check-ins via your compatible mobile device can replace the need for a physical front desk.</p>

Hotel Travel Credit Cards

Another type of travel credit cards are hotel credit cards issued by major hotel chains including Hilton, Hyatt, and Marriott. Similar to their airline counterparts, hotel travel credit cards let you earn hotel points with each purchase that you can then use to stay with their chain. Many hotel travel credit cards also offer hotel-specific perks, like elite status, increased earnings from stays, or an annual free night certificate.

<p>There are two banking areas that you should pay attention to and look to “fix” right away.</p><p>The first is with the fees that you’re subject to paying at your current bank. I know all too well that it can be easy to avoid paying attention to the fees you’re paying. But that’s the problem — it might just be one of the easiest things you can easily keep tabs on and control, yet it’s often overlooked and neglected.</p><p>The amount you’re paying in fees to your bank every month can draw down your balance by small amounts over an extended period of time. Slowly but surely, this can end up costing you more than a few hundred dollars every year.</p><p>If you’re unsure of the fees you’re currently paying, I’d highly recommend checking in with your bank to understand them better and only see if there are better options for your current needs. If not, you might want to consider an alternative bank.</p><p>You’ll also want to pay attention to and consider opening a bank account that has a solid interest rate. Online banks will almost always offer higher interest rates for their accounts compared to traditional, brick-and-mortar banks.</p><p>Choosing a bank account with a higher interest rate can be a great way to help you reach your financial goals even faster. If this is something you’re serious about, I’d recommend using a high-interest bank account for your emergency fund or sinking fund.</p>

Bank Travel Credit Cards

If you like traveling but don’t want to tie yourself to a specific airline or hotel chain, you can consider a more generic travel card. Some banks, including American Express, Chase, and Citi, offer travel credit cards that earn their own proprietary  credit card points . You can then use these bank points for many different forms of travel.

<p>If you’re planning to travel out of town during the holidays, these <a href="https://www.policygenius.com/blog/ways-to-save-on-travel/">15 ways can help you save on travel</a>.</p>

4 Benefits of Travel Credit Cards

There are a number of advantages to having a travel credit card. Here’s a closer look at these upsides.

Qualify For Significant Welcome Bonuses

Many travel credit cards offer welcome bonuses when you’re approved for the card and meet certain minimum spending criteria. For example, you might earn 60,000 airline miles after spending $2,000 on your card in the first three months.

These welcome bonuses can be worth hundreds if not thousands of dollars, and they can be a great way to boost your travel budget. That’s why it’s important to understand  how a credit card works  when you sign up and what requirements there are to make the most out of your card.

<p>If you love to travel, you’re likely to be excited about the possibility of earning airline miles or hotel points with each purchase. The miles and points that you earn while using your travel credit card can help fund your next vacation trip.</p>

Earn Airline Miles and Hotel Points

If you love to travel, you’re likely to be excited about the possibility of earning airline miles or hotel points with each purchase. The miles and points that you earn while using your travel credit card can help fund your next vacation trip.

<p>Expenses related to the death of a person include funeral and burial costs, possible debts and taxes. Liquidating assets can take time. The Death Benefit of a life insurance policy, on the other hand, can be claimed immediately, which makes it useful for paying out such expenses and reducing the financial burden of a death on your family.</p>

Get Insurance Benefits

Some travel credit cards offer different types of insurance that you might find valuable if you’re a frequent traveler. Some  credit card travel insurance  protects you if you are delayed or an airline loses your baggage. Other credit card insurance might cover you while renting a car, allowing you to decline the rental car company’s high-priced insurance offerings.

<p>A travel policy is an often-overlooked coverage that you can customize based on where you're going, the risks you face along the journey and your personal circumstances. Similar to <a href="https://www.carinsurance.org/guide/understanding-your-policy/elements-and-terms-to-help-you-understand-your-policy/">different types of car insurance,</a> travel insurance is a bundle of individual coverages.</p><p>Travel insurance can protect you from various situations ranging from an inconvenience (such as losing your luggage or getting stranded due to bad weather) to having a life-threatening medical emergency requiring an airlift to the nearest hospital.</p><p>Keep reading to find out five primary coverages you get from a travel policy.</p>

Enjoy Other Perks and Card Benefits

Perks like elite status, free checked bags, or an annual free night certificate are other potential benefits of having a travel credit card. If you’re traveling outside the country, you might also consider an  international credit card  that you can use while abroad.

<p>While travel credit cards can come with many benefits, there are also some disadvantages you’ll want to keep in mind.</p><h3>Limitations in Travel Choices</h3><p>If you have an airline or hotel credit card, you will likely only earn airline miles or hotel points with that specific airline or hotel chain. This can limit where you can use your travel rewards. As one example, if you have a Delta Air Lines credit card, you won’t be able to use your miles if you want to fly United or Southwest.</p><h3>Not as Flexible as Cash-Back Rewards</h3><p>Earning airline miles and hotel points can seem fun and exciting, but it may not be the best way to maximize your earnings. You’ll want to carefully consider the benefits of <a href="https://www.sofi.com/learn/content/credit-card-miles-vs-cash-back/">credit card miles vs. cash back</a> to decide which type of reward makes the most sense for you. You may find that you’re better off with a cashback credit card like the SoFi <a href="https://www.sofi.com/credit-card/">credit card</a>.</p><h3>Potential for Annual Fees</h3><p>Some (but not all) travel credit cards come with annual fees. These annual fees may be waived for the first year as an incentive for you to sign up, but you’ll be on the hook to pay the fee each year you continue to have the card.</p><p>While it is possible to get more value from your travel credit card than the amount of the annual fee, you’ll want to make sure that’s the case for your situation. Otherwise, you’ll want to focus your search on <a href="https://www.sofi.com/learn/content/no-annual-fee-no-foreign-transaction-fee-credit-card/">no annual fee credit cards</a>.</p>

3 Disadvantages of Travel Credit Cards

While travel credit cards can come with many benefits, there are also some disadvantages you’ll want to keep in mind.

Limitations in Travel Choices

If you have an airline or hotel credit card, you will likely only earn airline miles or hotel points with that specific airline or hotel chain. This can limit where you can use your travel rewards. As one example, if you have a Delta Air Lines credit card, you won’t be able to use your miles if you want to fly United or Southwest.

Not as Flexible as Cash-Back Rewards

Earning airline miles and hotel points can seem fun and exciting, but it may not be the best way to maximize your earnings. You’ll want to carefully consider the benefits of  credit card miles vs. cash back  to decide which type of reward makes the most sense for you. You may find that you’re better off with a cashback credit card like the SoFi  credit card .

Potential for Annual Fees

Some (but not all) travel credit cards come with annual fees. These annual fees may be waived for the first year as an incentive for you to sign up, but you’ll be on the hook to pay the fee each year you continue to have the card.

While it is possible to get more value from your travel credit card than the amount of the annual fee, you’ll want to make sure that’s the case for your situation. Otherwise, you’ll want to focus your search on  no annual fee credit cards .

<p>Saving money doesn't have to end at airfare. Once you're there, there are ways to ensure you continue keeping and sticking within your budget. </p><p>Let's see how to save some cash!</p>

Are Travel Credit Cards Worth It?

Whether a travel credit card is worth it will depend quite a bit on your own specific financial and travel situation. There’s no denying that there are many people who have used travel credit cards to great effect, traveling around the world at a discounted rate thanks to miles and points. Others have signed up for travel cards and continue to pay annual fees, even though they aren’t traveling as often.

<p>Only 8% of currency is in physical form.</p>

Alternatives to Travel Credit Cards

You do have other options you might think about if you’re not interested in a travel credit card.

If you’re intrigued by earning rewards with a specific brand but don’t travel often, you might consider a  private label credit card . These types of cards can offer benefits at a specific store or retail establishment.

Another option could be a cash-back rewards credit card. This would allow you to earn cash as a reward, which you could use for travel or anything else that suits you.

<p>Travel credit cards are a type of credit card that offers rewards, perks, and benefits for frequent travelers. You might earn airline miles, hotel points, or more generic bank points that you can use for a variety of different types of travel. While it is possible to use travel credit cards to rack up airline miles or other travel rewards, you’ll also want to keep an eye on any annual fees that you’re being charged.</p><p class="p1"><b>Learn More:</b></p><ul><li><a href="https://www.sofi.com/personal-loan-calculator/">Personal loan calculator</a></li><li><a href="https://www.sofi.com/learn/content/pros-and-cons-of-personal+loans/">The pros and cons of personal loans</a></li></ul><p class="p1"><i>This article originally appeared on </i><i><a href="https://www.sofi.com/learn/content/how-do-travel-credit-cards-work/">SoFi.com</a></i><i> and was syndicated by</i><a href="https://mediafeed.org/"><i> MediaFeed.org</i></a><i>.</i></p><p class="p1"><i>Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.</i></p><p class="p1"><i>The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.Communication of SoFi Wealth LLC an SEC Registered Investment AdvisorSoFi isn’t recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.</i></p><p class="p1"><i>Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at </i><a href="https://adviserinfo.sec.gov/"><i>www.adviserinfo.sec.gov</i></a><i>. Liz Young is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Her ADV 2B is available at </i><a href="https://www.sofi.com/legal/adv"><i>www.sofi.com/legal/adv</i></a><i>.</i></p>

The Takeaway

Travel credit cards are a type of credit card that offers rewards, perks, and benefits for frequent travelers. You might earn airline miles, hotel points, or more generic bank points that you can use for a variety of different types of travel. While it is possible to use travel credit cards to rack up airline miles or other travel rewards, you’ll also want to keep an eye on any annual fees that you’re being charged.

Learn More:

  • Personal loan calculator
  • The pros and cons of personal loans

This article originally appeared on  SoFi.com  and was syndicated by  MediaFeed.org .

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.Communication of SoFi Wealth LLC an SEC Registered Investment AdvisorSoFi isn’t recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at  www.adviserinfo.sec.gov . Liz Young is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Her ADV 2B is available at  www.sofi.com/legal/adv .

<p>Before moving on any further down the checklist of personal finance advice, it’d be smart to check your credit score. You can do so easily and for free at <a href="https://www.creditsesame.com/">Credit Sesame</a>.</p><p>If you’re net worth is the most important financial metric to check, your credit score comes in at a close second place. There are a lot of <a href="https://www.juststartinvesting.com/the-powerful-benefits-of-a-good-credit-score/">benefits associated with having a good credit score</a>, including:</p><ul>  <li>Access to excellent credit cards</li>  <li>Lower interest rates on loans</li>  <li>Higher credit limits</li>  <li>And much more</li> </ul><p>Knowing where your credit score stands is the first step to take in order to improve it (or to celebrate if you already have a good score!).</p>

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IMAGES

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COMMENTS

  1. Your Guide to Protection Benefits

    Citi Card (including AAdvantage ® miles). means any pre-paid travel, tour or vacation when all or at . Trip least a portion of the cost of such arrangements was paid using Your Citi Card and/or AAdvantage ® miles for all Covered Travelers. Trip Departure Date. means the date on which the Covered Traveler(s) are originally scheduled to leave ...

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  13. Citi Premier® Card

    The Citi Premier ® Card offers several benefits, including the ability to enjoy rewards through the ThankYou ® Rewards program: 3X Points at Restaurants 2. 3X Points at Supermarkets 2. 3X Points at Gas Stations 2. 3X Points on Air Travel and Hotels 2. 1X Point on All Other Purchases 2.

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  15. 10 Credit Cards With Travel Insurance

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  16. 17 Benefits of the Citi AAdvantage Executive World Elite Credit Card

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    Global Travel Insurance (for T&E Corporate and One Card cardholders only) As a cardholder, you will receive global travel accident and lost luggage insurance so you feel safe and secure wherever you travel with a Citi commercial card. To view the global travel accident insurance, click here. For more information on lost luggage insurance click ...

  20. Credit Card Complimentary Travel Insurance

    For enquiries or claims, please contact HL Assurance Pte Ltd Call centre at 6702 0202. (Mon - Fri, 9 am to 6 pm, except Public Holidays) HL Assurance Pte Ltd's 24 hour emergency hotline no. for customer to call when overseas is 6922 6009. For more details and applicable Terms and Conditions of the Travel Insurance policy, please click here.

  21. Airline credit cards vs. travel credit cards: Which are best?

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    Some banks, including American Express, Chase, and Citi, offer travel credit cards that earn their own proprietary credit card points. You can then use these bank points for many different forms ...

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