citibank travel fair

NATAS Fair August 2024: Dates, Directions, and Details

Last update: 28 May, 2024

Gear up for the biggest travel fair in Singapore as the popular NATAS Travel Fair returns in August 2024!

Bringing together top-notch travel providers, tourism boards, and more, the NATAS Holidays Travel Fair is where you can start planning your dream vacation — think fantastic promos and packages, fun activities, free goodies, and more!

Whether you're a beach bum or a city explorer, there’s bound to be something that tickles your fancy. With well-known agencies like Nam Ho Travel, ASA Holidays, Chan Brothers, and more at the fair, there’ll be a plethora of different tour packages and deals to choose from!

In addition, you’ll be able to speak to various national tourism boards and find out more about the destinations you want to visit. From secret spots to must-visit attractions, you’ll be able to learn all there is to learn directly from travel experts before planning your big trip!

What is NATAS Holidays Travel Fair?

The NATAS Travel Fair is Singapore’s largest consumer travel fair and is held twice a year in February/March and August/September. Its organising body, the National Association of Travel Agents Singapore (NATAS), brings together numerous travel agencies, tourism boards, airlines, and hotels under one roof to showcase the latest tourism products and trends.

It is the ideal opportunity to discover the best itineraries for that year-end vacation!

When is NATAS Fair August 2024?

16 to 18 Aug 2024

Friday to Sunday

10am to 9:30pm

Where will the NATAS Fair August 2024 be held?

Singapore EXPO

1 Expo Dr, Singapore 486150

Hall 4 and 5

How much does it cost to enter NATAS Fair August 2024?

Admission is FREE!

Stay tuned for the updated floor plan coming soon!

List of Exhibitors at NATAS Holidays Travel Fair 2024

Stay tuned for the updated list of exhibitors coming soon!

Getting to NATAS Fair 2024

Address: Singapore Expo, Hall 5, 1 Expo Drive, Singapore 486150

Singapore EXPO is a 15-minute drive from the CBD. Click this link for parking information .

By taxi or ride-hailing apps

The nearest drop-off point to Hall 5 is Foyer Two (next to Expo MRT station). Take note that fares may be subject to peak-hour surcharges.

Singapore EXPO is served by the Expo MRT station. Two lines connect to this station, the East-West (Green) Line and Downtown (Blue) Line.

There are several bus stops from which you can walk to Singapore EXPO:

• Expo Station Exit E (bus number 20 and 118)
• Besides Carpark G on Upper Changi Road East (bus numbers 12, 24 and 38)
• Outside Hall 1 on Upper Changi Road East (bus numbers 12, 24 and 38)
• Besides Carpark J on Xilin Avenue (bus numbers 35, 35M, 47, and 118)
• Opp Changi City Pt. (bus number 20 and 47)

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Ultimate guide to the Citi travel portal

fCiti is a TPG advertising partner.

The new Citi travel portal launched earlier this year , offering an enhanced user experience, more hotel options and a new feature for booking activities and attractions. Citi Travel with Booking.com is powered by Rocket Travel by Agoda, utilizing the features and booking availability of Booking.com's brands.

In this article, we will explore the functionality of the new Citi travel portal, discuss any potential drawbacks and clarify who can access this booking engine. Additionally, we will provide a step-by-step guide on using the portal to book your desired travel experiences and explain how to pay using your ThankYou points.

What is the Citi travel portal?

There are four main selling points for using Citi Travel with Booking.com.

First, it provides a one-stop shop for travel that you can pay for with your Citi ThankYou points while booking multiple elements of a trip simultaneously. This can be simpler than transferring points to separate airline or hotel partners and booking your trip piece by piece — and you can even use as many or as few points as you want. The downside is that you might achieve less value from your points to gain simplicity.

Second, the portal allows you to use points to pay for travel beyond flights and hotels, such as guided tours and theme park tickets. You can't do this with Citi's list of transfer partners, and you may achieve better value paying for travel with points in Citi's portal than you would by cashing out your points .

Third, certain card benefits require using the Citi travel portal. This is true of hotel benefits built into the Citi Prestige® Card (no longer open to new applicants) and Citi Strata Premier℠ Card (see rates and fees ). We'll explore those below.

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

Lastly, if you're paying for travel (and not using points), you may be interested in the bonus points available when using Citi Travel with Booking.com. Competitors like the Chase Ultimate Rewards travel portal , American Express Travel and Capital One Travel offer higher earn rates (depending on which credit cards you have) when booking your travel in the bank's portal rather than directly.

With the Citi Strata Premier℠ Card , you can earn 10 points per dollar on reservations for hotels, rental cars and eligible attractions.

Through June 30, 2024, Citi cardholders can earn bonus points as follows:

• 10 points per dollar on reservations for hotels, rental cars and eligible attractions with the Citi Prestige® Card (no longer open to new applicants)

Through December 31, 2025, Citi cardholders can earn bonus points as follows:

• 5 points per dollar on these same bookings with the Citi ThankYou® Preferred Card (no longer open to new applicants) and the Citi Rewards+® Card (see rates and fees )

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

The fact that Citi's portal provides a one-stop shop for your vacation is its main strength. The ability to book hotels, rental cars and even entrance tickets to tourist attractions in one place (and even pay for these with your points) provides great simplicity.

Related: The ultimate guide to Citi ThankYou Rewards

How to use the Citi travel portal

Citi's portal sets itself apart from competitors by being available to anyone with a credit card earning Citi ThankYou points . For comparison, some travel portals reserve their best features for cardholders with expensive premium credit cards . Thus, you can access the portal with the $495-a-year Citi Prestige Card and the no-annual-fee Citi Rewards+ Card .

You can access Citi Travel with Booking.com by clicking this link and logging into your Citi account. If you have multiple Citi credit cards, you must select which card you want to use for booking travel. Once you select a card, you're ready to start booking travel.

How to book flights using the Citi travel portal

Booking flights in Citi's portal functions similarly to other portals. You'll choose whether this is a one-way or round-trip flight and provide the route, number of passengers, dates and class of travel. Unfortunately, you can't book multi-city itineraries.

Here's an example search from Chicago to Los Angeles. Note that you can use cities for your search if you don't have a specific airport preference.

The Citi Travel portal offers many filters and sorting options to help you find the most suitable travel options. These filters allow you to refine your search based on price, duration, departure and arrival times, number of connections and even your preferred airline. Furthermore, you can sort the results using these options without losing any filtering choices.

To change the sorting order of the results, click on the "Best overall" drop-down menu on the right side above the price of the first result.

Once you have selected a flight, you will be prompted to provide passenger information, including names, dates of birth, frequent flyer numbers and known traveler numbers for TSA PreCheck and Global Entry (if applicable).

Additionally, before making your payment, you can upgrade to a higher class of travel if it is available. This is the first time you'll see the cost to book a main cabin fare instead of a basic economy fare.

And if your fare class lets you select a seat, you can do so before heading to the payment page.

On the final page, you'll choose how you want to pay (with your points, credit card or a mix of the two) and complete your purchase. The redemption rate is an underwhelming 1 cent per point. For context, our valuations peg ThankYou points at 1.8 cents apiece, which you should be able to get by maximizing Citi's transfer partners .

How to book hotels using the Citi travel portal

Booking hotels will feel familiar to those who have used other portals.

You should choose your Citi Strata Premier or Citi Prestige card before beginning your hotel search if you intend to use those cards' benefits. Strata Premier cardholders can use a $100 hotel credit each calendar year on a booking of $500 or more. In contrast, Prestige cardholders get a fourth night free on hotel bookings in the portal, available up to twice per calendar year.

From here, you can add filters to help you reduce your results, such as by price, neighborhood, star rating and nearby attractions.

Once you pick a property, you'll see details on its amenities and features.

Then, you can select your desired room.

After choosing a room type, you can pay with points at checkout. Again, each point is worth a lackluster 1 cent.

You'll also have the option to view the cancellation policy before paying. Since policies can vary, ensure you know whether it's possible to change or cancel your booking before you make the final payment.

However, if you book a hotel that's part of a major loyalty program — like Hilton Honors or Marriott Bonvoy — through Citi, you likely won't earn points, nor will you enjoy any elite status perks on your reservation.

Hotel Collection and Luxury Collection properties

Alongside its revamped portal, Citi has introduced two new hotel programs, namely the Hotel Collection and the Luxury Collection. These programs offer similar advantages to other luxury hotel programs offered by credit cards .

Reservations through the Hotel and Luxury Collection have no minimum stay requirements. However, access to the Luxury Collection is exclusive to Citi Strata Premier and Citi Prestige cardholders.

You will receive guaranteed benefits such as daily breakfast for two people and complimentary Wi-Fi for Hotel Collection bookings. In addition to these perks, the Luxury Collection offers a $100 on-property credit, which can be used based on the policies of each hotel. Both programs also provide other benefits, such as early check-in, late checkout and room upgrades (specifically for Luxury Collection bookings, subject to availability at check-in).

Unfortunately, you can't filter search results specifically for Hotel and Luxury collections properties. To identify these properties, you must look for a tag or description indicating their inclusion in your search results.

Related: A comparison of luxury hotel programs from credit card issuers: Amex, Capital One, Chase and Citi

How to book rental cars using the Citi travel portal

Searching for rental cars feels familiar and works quickly.

After providing your location, dates, times and age, click "Search." From the available results, you can use the following filters:

• Vehicle type
• Rental company
• Free cancellation option availability

After choosing a car, you can see the full details and cancellation policy on the next page.

As with other items in Citi Travel with Booking.com , you can add your rental car to the shopping cart (if booking multiple travel elements) or go straight to check out to pay and reserve. Again, you can pay with points at a rate of 1 cent apiece.

How to book attractions using the Citi travel portal

One standout feature of Citi's travel portal is the ability to book attractions along with your hotels, flights and rental cars. This convenient option allows you to make a single transaction for all your travel needs, and you can even use your points to pay for them.

To access this feature, look for the "Attractions" option in the main search bar. However, depending on your location within the portal, you may need to click "More" in the drop-down menu and select "Attractions" from there.

Once you search for a destination, you'll see all available options— from entrance tickets for tourist sights to guided tours. For example, you can book a guided walking tour of the Hollywood Sign.

When you see an activity or tickets you want to purchase, click on the tile. This will take you to a page with details about this offering and cancellation policies.

One noteworthy option is Chicago CityPASS tickets, including access to five popular attractions. Click on "Check availability" in the top right corner to choose your preferred date to find pricing and availability.

As with other elements of Citi's portal, you can pay for attraction bookings using ThankYou points with a value of 1 cent apiece.

More things to consider about the Citi travel portal

Now that you know how to use the Citi travel portal, here's some general guidance to maximize your experience.

As always, we recommend comparing prices. There is no guarantee that Citi Travel with Booking.com will offer the best price for your trip. It's recommended to compare the prices you see on the portal with prices available when booking directly with hotels, airlines, rental car companies or tour providers.

If you plan to pay with points, check if you can get better value by using fewer points with Citi's transfer partners . Transferring points to programs like Wyndham Rewards may let you get more value from your points. Check out our guide to redeeming Citi ThankYou points for high-value redemption ideas.

Also, if you book hotels or car rentals through Citi's travel portal, you may forfeit any elite status earnings and benefits. Many loyalty programs require direct bookings to recognize elite status and provide associated perks. Evaluate whether the benefits you would be giving up are worth it.

Finally, Citi Strata Premier and Citi Prestige cardholders have exclusive benefits within the travel portal. Premier cardholders can enjoy $100 off a hotel stay of $500 or more once a calendar year, while Prestige cardholders can get a fourth night free on hotel stays of four nights or more twice a calendar year. If you're making an eligible hotel reservation, you'll see the option to use your available benefit on the payment screen.

You'll also see the benefit(s) highlighted on the hotel search page if you have one of these cards. This includes information on how many more times your benefit can be used.

If you don't see these benefits, check the top right corner of the portal and ensure your Premier or Prestige card is the active card for your searches.

Bottom line

Citi's revamped travel portal allows you to search and make travel reservations for flights, hotels, rental cars, and even tours and attractions. You can book travel up to a year in advance and pay using your Citi ThankYou points or any travel credit card .

Additionally, if you hold the Citi Strata Premier or Citi Prestige, you can utilize your hotel benefits through the portal.

However, it's important to consider potential tradeoffs. Assess your elite status with hotel or rental car companies and determine if you might get better value by booking your travel through another platform. If convenience is your deciding factor, this user-friendly portal offers many results when planning your upcoming vacation.

Additional reporting by Kyle Olsen.

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The Recommended Minimum Requirements of Citi Credit Cards [2024]

Christine Krzyszton

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Table of Contents

The value of a citibank credit card, recommended minimum requirements for citibank credit cards, before you apply for a citibank credit card, best citi credit cards for fair (580 to 669) to excellent (740+) credit, best citi business credit cards, best citi credit card for no credit or poor credit, everything else you need to know, 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.

Citibank is a financial institution that has been around for a long time, dating back to the 1800s. While the bank has offered a wide variety of financial products since that time, it wasn’t until the 1960s that the bank started issuing credit cards.

You won’t find a lot of premium credit cards with high annual fees and luxury travel perks in Citibank’s portfolio, but you will find solid everyday cards that can serve a valuable purpose.

Selecting the card that’s right for your situation may be the easy part, but applying for a card can make one a little anxious. In fact, applying for any credit card can be a leap of faith. We complete the application, hit submit , then hold our breath anticipating a positive outcome.

While it’s not always possible to know for sure if you’ll be approved for a card, you can take steps to increase the probability.

Below, we’ll take a look at what we know about applying for Citi credit cards and how you can increase your chances of approval.

Here are the recommended minimum application requirements for Citibank credit cards and tips for applying.

We’ll talk about applying for Citi cards shortly, but first, let’s look at the potential value of Citi credit cards and establishing a relationship with the Citibank financial institution.

Access to a Variety of Credit Cards

Whether you’re looking for a travel rewards card or a cash-back earning card, you’ll find several choices with Citi. While the best Citi credit cards require fair to excellent credit , those applicants with no credit or poor credit will also have options.

Earning Rewards

Citi credit cards may earn cash-back or 1 of 2 types of ThankYou Rewards Points , which are flexible points that can be transferred to hotel and airline partners or which can be redeemed for a fixed value. Every purchase you make with a Citi credit card, with the exception of a secured credit card, will earn rewards.

Citi also allows you the opportunity to earn ThankYou Points as interest on the funds in your bank accounts.

Multiple Redemption Options

There are many Citi credit card reward redemption options: some cards earn ThankYou Points that can be redeemed for a fixed value for cash-back, travel, gift cards, merchandise, charitable donations, loan payments, and statement credits. Some cards, such as the Citi Strata Premier ® Card, also earn ThankYou Points that offer greater redemption options, including the ability to transfer Citi ThankYou Points to hotel and airline partners.

Citi also offers the option to redeem ThankYou Points for payments on student loans and mortgages.

Shopping Protections and Benefits

While coverage varies by card, you’ll find several shopping protections and benefits on Citi credit cards, including damage and theft protection, purchase protection, extended warranty, and Citi Merchant Offers that can save you hundreds of dollars each year.

Citibank Additional Services

In addition to credit cards, a relationship with Citibank could include access to savings and checking accounts, auto loans, home loans, student loans, wealth management, and more.

If you have a current relationship with Citi, a Citi credit card could be even more rewarding. Some Citi credit cards allow you to pay specific loans with rewards earned on the card.

Bottom Line: You’ll have several options when selecting a Citi credit card, including cash-back cards, travel rewards cards, or a secured credit card. Cards offer several rewards redemption options including travel, gift cards, merchandise, and the option to redeem for loan payments. You’ll also find several shopping protections and benefits on select cards. Additionally, establishing a relationship with Citibank can provide greater access to its additional financial products. 

Knowledge is power when it comes to applying for a credit card . Let’s face it, applying for a card you’re not quite qualified for can mean a denial, a hard inquiry on your credit report, and disappointment. Knowing the requirements upfront can help you minimize your chances of being denied.

Here’s what you need to know before applying for a Citi credit card:

What We Know for Sure

You will need a fair to excellent credit score to qualify for the best Citi credit cards . A fair score is generally considered 580 to 669, a good credit score ranges from  670 to 739 and an excellent score is 740 and above.

In addition to general requirements, each Citi credit card has its unique creditworthiness requirements. Most Citi credit cards need at least a fair credit score for approval, although there are choices for a wider range of credit scores.

Citi does not limit how many of its credit cards you can have, but it does limit the number of cards you can apply for (and be approved) within a specific period of time. For personal credit cards, you cannot apply for more than 1 Citi card every 8 days and no more than 2 within a 65-day window.

You cannot apply for more than 1 business credit card every 95 days.

Hot Tip: Unlike some card issuers, Citi allows you to earn a welcome bonus more than once on a specific credit card. You must wait 24 to 48 months since you’ve previously earned the welcome bonus, but you can earn it again. Terms differ by card and whether your card is still open or if you’ve closed it.

Optional but Potentially Helpful

There is no requirement to have an existing Citibank relationship in order to be approved for a Citi credit card, but if this is your first credit card or your first credit card with Citi, opening a bank account could help with approval.

Carrying a balance on your credit card from statement to statement will incur interest charges and negate any rewards you may have earned on your purchases. However, credit card issuers earn money on those customers who do carry a balance.

For this reason, when completing the application, you may want to consider that in the future you may need to carry a balance and indicate this when completing the application.

Bottom Line: You will need to have a fair to excellent credit score to qualify for the best Citi credit cards. You can only apply for 1 Citi credit card every 8 days, with no more than 2 cards applied for within a 65-day time period. If you have poor or no credit , you may still qualify for a secured Citi card. Having an existing account with Citi and indicating you’ll carry a balance from statement to statement can help with approval.

Don’t apply for a Citi credit card, especially your first Citi credit card, without some preparation.

Here are a few tips for increasing your chances of getting approved for a Citi credit card:

Check To See if You Have Offers

Before you apply for a Citi credit card, you’ll want to check to see if you have any existing credit card offers available to you. It’s easy to do and does not affect your credit score.

One option for finding out if you have card offers is through the CardMatch tool . You’ll need to provide minimal information to receive a list of available offers from several different card issuers, including Citi. Y our credit will not get a hard pull when using CardMatch.

There is also a Citi preselection tool that you can use to see whether you are eligible for any offers, using the same no-risk procedure that does not impact your credit.

Either preselection tool may help you uncover offers for the cards you’re most likely to be approved for. Keep in mind that these offers do not guarantee you’ll be approved or that you aren’t qualified for more premium cards, just that your profile matches the card’s general requirements.

Once you submit a card application, Citi will run a hard pull on your credit report to determine your actual creditworthiness.

Know Your Credit History and Score

It makes sense to check your credit report periodically and/or prior to applying for a credit card, to determine if the report is current and accurate . If you find any errors, you’ll be able to initiate a correction and resolve any discrepancies prior to any credit card issuer accessing your report.

Since the Fair and Accurate Credit Transactions Act of 2003 was enacted, you can request a copy of your free credit report from each of the 3 major credit bureaus once each year. And, if you’ve had adverse action such as being denied a credit card, you are eligible to receive a free report from the bureau that was used to make that decision.

Consider Opening a Citi Bank Account

It is not necessary to have an existing Citi bank account to get approved for a Citi credit card, although it may assist, particularly if this is your first credit card or your first credit card with Citi. You may even want to stop by a branch location first, open an account, then apply for a card.

What if You Have Poor Credit or No Credit?

Even if you have less-than-perfect credit or no credit, Citi has credit cards that work for just about any credit situation. A real plus is that once you’ve proven your creditworthiness with Citi, you may qualify for a better card with greater rewards and more benefits.

Bottom Line: Before applying for a Citi credit card, order a copy of your credit card to check for errors, know your credit score, and consider opening a Citi bank account. 

The best Citi credit cards have robust earning structures and earn flexible rewards that have multiple redemption options.

Here are some of the best Citi credit cards requiring a fair to excellent credit score:

Citi Strata Premier ℠ Card

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The Citi Strata Premier card comes with a generous welcome offer and elevated earnings on everyday spending. We like that the card earns Citi ThankYou Points that offer flexible options at redemption time, including redeeming for travel via the Citi ThankYou travel portal for 1.25 cents per point. We also like that points can be transferred to airline and hotel partners for potentially even greater value.

Citi Double Cash ® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

The Citi Double Cash ® Card  has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points . This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee
• No bonus categories
• 3% foreign transaction fees
• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou ® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Citi Double Cash ® Card Travel Portal Limited Time Offer: 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 SM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
• APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
• Foreign Transaction Fees:  3% of the U.S. dollar amount of each purchase

Citi ThankYou Rewards

The Double Cash card could be your go-to card if you’d prefer a card with no annual fee. You won’t be bothered with learning complicated earning structures as each purchase earns 1% cash-back when you make the purchase and another 1% when you pay your bill. That’s a total of 2% cash-back on every purchase.

Citi Custom Cash ® Card

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!

The Citi Custom Cash ® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, without an annual fee.

Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.

• 5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
• Multiple redemption options
• Your 5% category is limited to $500 in spend ($25 in cash-back) each month
• Not particularly rewarding for any purchases outside of your top 5% cash-back category
• 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked via the Citi Travel℠ portal through 6/30/2025.
• 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.
• APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.
• Foreign Transaction Fees:  3%

With no annual fee and the opportunity to earn up to 5% cash-back on your highest bonus-earning category expenses each statement period (up to $500 in purchases each statement period), you’ll find the Citi Custom Cash card is a great everyday spending card.

Costco Anywhere Visa ® Card by Citi

The Costco Anywhere Visa ® Card by Citi is a great Citi’s cash-back rewards card designed specifically for Costco Members.

• Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
• 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
• APR: 20.49% Variable
• Foreign Transaction Fees:  None

If you’re a frequent Costco shopper, you’ll love the Costo Anywhere card , especially if you purchase a lot of gas. The card earns 4% cash-back at any gas station, as well as bonus earnings on EV charging, dining, travel, and at Costco. Plus, the card does not charge an annual fee.

Bottom Line: You will need a fair to excellent credit score to qualify for Citi’s best rewards-earning credit cards .

There aren’t many business credit cards offered by Citibank, and the ones we single out as being among the best, are actually co-branded cards.

Here are our choices for the best Citi business credit cards and the benefits of each one:

Costco Anywhere Visa ® Business Card by Citi

Earn 4% cash-back on gas/EV charging purchases, 3% cash-back at restaurants and travel, 2% cash-back at Costco, and 1% on all other purchases.

• Discover the only business credit card designed exclusively for Costco members
• Whether you’re traveling for business or pleasure, enjoy no foreign transaction fees on purchases

Businesses that spend considerably on gas will benefit from receiving 4% cash-back at any gas station and at EV charging stations , up to $7,000 in purchases each year.

Also, if you’re a business that shops regularly at Costco or Costco.com, cash-back earned on the Costco Anywhere Business card   could add up quickly.

With additional bonus earnings on travel and dining, the card is worth considering.

CitiBusiness ® / AAdvantage ® Platinum Select ® Mastercard ®

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.

With the CitiBusiness ® / AAdvantage ® Platinum Select ® Mastercard ® , you get a card that gives you perks like boarding privileges, free checked bags, and discounts on inflight purchases, while also earning more miles for your next award redemption.

• 2x miles per $1 spent on American Airlines purchases
• 2x miles per $1 spent on cable and satellite providers, at gas stations, on car rentals, and on select telecommunications merchants
• 1x mile per $1 spent on all other purchases
• $99 annual fee
• Does not earn transferable rewards
• Designed for businesses
• For a limited time, earn 75,000 American Airlines AAdvantage ®  bonus miles after $5,000 in purchases within the first 5 months of account opening.
• First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
• 25% savings on American Airlines inflight Wi-Fi when you use your card
• Enjoy preferred boarding on American Airlines flights
• Earn 2 AAdvantage ® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
• Earn 1 AAdvantage ® mile per $1 spent on other purchases
• Earn 1 Loyalty Point for every 1 eligible AAdvantage ® mile earned from purchases
• No Foreign Transaction Fees
• APR: 21.24% - 29.99% Variable

American Airlines AAdvantage Frequent Flyer Program

If your business involves travel on American Airlines, you’ll appreciate accumulating 2x AAdvantage miles earned on everyday business purchases such as telecommunications, satellite and cable providers, car rentals, and at gas stations .

Miles earned on the CitiBusiness Platinum Select card  can be used to secure award flights that can help offset the cost of business travel.

Plus, if you’re traveling with companions, you, and up to 4 additional travelers, will enjoy flight benefits such as preferred boarding , a free checked bag , and statement credits for inflight purchases.

Bottom Line: If your business shops often at Costco or you or your employees frequently fly American Airlines, Citi’s co-branded business credit cards could be logical choices for a business credit card. 

If your credit could use some improvement or you have limited or no credit history, you might want to start your relationship with Citi by selecting its secured card.

Citi ® Secured Mastercard ®

A great option for those with little or no credit history and can help you build your credit.

• The Citi ® Secured Mastercard ® is a no annual fee credit card that helps you build your credit when used responsibly.
• Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
• Use your card anywhere Mastercard ® is accepted – worldwide.
• A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
• Get help staying on track with Auto Pay and account alerts.
• With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
• Manage your account 24/7 online, by phone, or in our mobile app.
• APR: 26.74% Variable
• Foreign Transaction Fees: 

With no annual fee and monthly reporting to the 3 major credit bureaus, the Citi Secured card is accepted anywhere Mastercard is accepted. A minimum required security deposit of $200 is required, but you’ll be able to manage your account online and via mobile, have free access to your FICO score, and select flexible payment due dates that work for you.

There is no minimum credit score required for the Citi Secured card, but if you have had a recent bankruptcy you could be denied.

Hot Tip: If you are reluctant to apply for a secured card, don’t forget to use the CardMatch tool or Citi’s pre-selection tool to see if any secured card offers await you. 

Lack of Travel Benefits

While you will find several shopping protections and benefits on various Citi credit cards, you will not find travel insurance protections or benefits. If these protections and benefits are important to you, you may want to consider travel rewards credit cards .

Card Limits and Application Frequency

As we mentioned previously, there is no stated limit for how many Citi credit cards you can have at one time. However, the total amount of credit you already have open with Citi could affect your approval odds. Plus, it’s wise to spread out your applications if you’re applying for more than 1 card with Citi, as you can only apply for 2 cards every 65 days and the applications must be more than 8 days apart.

Reconsideration Line

If you are denied when applying for a Citi credit card, you may want to contact the reconsideration line . It is possible that the denial you received could have been an automated response based on how you completed the application and additional information could change the decision — not always, of course, but it’s worth a phone call to have a real person look at your application.

You can contact the Citi reconsideration line for personal cards at 800-695-5171 or 866-541-7657 for business cards. These numbers were current at the time of writing. If either does not work and you need immediate access, you can easily find these numbers online.

If you need to check the status of your Citi application , you can do so on Citi’s website.

Although Citibank gets far less media attention than rivals American Express, Chase, or Capital One, doing business with Citi offers advantages. We particularly like the Citi Strata Premier card for earning flexible ThankYou Points and the Double Cash card for earning 2% cash-back on every purchase ( 1% cash-back when you make the purchase and another 1% when you pay your bill) — a good choice for non-bonus spending categories and supplementing travel rewards cards.

And, if your credit score could use some improvement, there’s nothing wrong with starting out with the Citi Secured card and working your way up.

Most Citi credit cards don’t have the bells and whistles of the best premium travel rewards cards, but you can find value in several of their card offerings.

The information regarding the Citi Double Cash ®  Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Custom Cash ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Costco Anywhere Visa ® Card by Citi was independently collected by Upgraded Points and not provided nor reviewed by the issuer.  The information regarding the Costco Anywhere Visa ® Business Card by Citi was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the CitiBusiness ® / AAdvantage ® Platinum Select ® Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi ® Secured Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What are the requirements for a citi credit card.

You will need a fair to excellent credit score to qualify for the best Citi credit cards. A fair score is generally considered 580 to 669, a good credit score ranges from  670 to 739 and an excellent score is 740 and above.

Citi offers a wide variety of credit cards for nearly every credit situation, including a secured credit card that can be secured with a credit score as low as 300.

In addition to your credit score, credit history, income, number of hard inquiries on your credit report, and how much credit you have with Citi will also be considered when applying for a Citi card.

Does Citi give instant approval for credit cards?

Yes, it is possible to be instantly approved for a Citi credit card.

Why did I get denied for a Citi credit card?

One of the most common reasons for denial is too many recent inquiries on your credit report. You could also be denied if your credit score is lower than the requirements for the specific card for which you’re applying, or if your income is not sufficient.

You may also receive a denial if the application was not completed correctly or if you have applied for too many Citi cards in too short a time.

Which is the easiest Citi card to get?

The Citi Secured card is the easiest to obtain as it requires no minimum credit score and can be secured with poor credit or no credit.

However, if you have good credit or better, the card would not be a fit for you.

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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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Insider Threat Lead Analyst( Hybrid)

Citi security & investigative services (csis) intelligence combines specialized global intelligence research and analytical resources in support of investigations and security incidents., we are a quickly evolving organization within csis charged with solving some of the most challenging intelligence and analytical questions posed to citi. the work we do will engage your whole brain (as well as a fair amount of your time) and our most impactful achievements have one crucial feature in common: colleagues who embrace our three citi leadership principles., + we take ownership * #thinkingoutsidethebox #problemsolvers, + we deliver with pride * #makinganimpact #lifelonglearners, + we succeed together * #respect #dreamteam, citi is a great place to work, and we do some pretty cool stuff. so, if you think you are up for it, see if these apply to you:, i enjoy working in a creative and high-paced environment where no two days are the same, i am self-aware and use this ability to stay flexible and direct my behavior positively, i enjoy being part of a diverse, multicultural, and globally dispersed team, i communicate openly with others, share my ideas constructively, and listen actively, i value being surrounded by talented, committed, and supportive colleagues, i want my work to be meaningful and impactful, i like to solve problems collaboratively, to be challenged intellectually, and want to take charge of my own career, i embrace change with agility and a positive attitude, a little about this role:, the citi security and investigative services (csis) insider threat lead analyst position requires a high level of domain expertise in area of insider threat. the analyst will provide stakeholders with customized, advanced, professionally crafted intelligence, research, and analytical products. the analyst will be responsible for routinely evaluating insider threat tradecraft and methodologies to identify potential areas for improvement and/or gaps in the industry and developing training plans for the team’s analysts on these identified methodologies. this analyst will work within the insider threat program in collaboration with csis investigations and security across the globe., based in tampa, florida, this individual contributor position will report to the global csis insider threat manager. in support of csis global functions, the incumbent will provide strategic, tactical, and operational analysis as part of the overall insider threat program.  this position will encompass reviewing csis investigations (related to fraud, conduct, and cybersecurity) for insider threat or risk potential, conduct in-depth analysis of various data sets related to identity and access management, authorization mechanisms, security architecture, network components, and proxy logs. this role will provide training and awareness activities to appropriate business partners and managers within the organization and provide advice and assistance to ongoing investigations. this position will collaborate on the development of policies and procedures governing these intelligence programs.  this position will contribute to and provide guidance on the establishment of processes, procedures, and playbooks, oversee assigned consultations and analytical products, and identify opportunities for program improvement. this position will also identify opportunities to mentor, coach, and ensure professional development of other investigators and analysts as necessary., key responsibilities/ day to day activities, collect insider threat intelligence from various sources relevant to the firm and the industry to conduct risk assessments., analyze the insider risks and potential impact of an incident and make recommendations on controls and mitigation., develop and lead training engagements based on identified internal and external insider threat trends, activities and methodologies., brief findings from insider threat cases to improve behavioral baselines, update network analysis, and improve indicators to identify future threats., assist with consultation engagements across csis investigations., develop leads through engagements with global and regional partners., update workflows and process to ensure alignment with csis investigation programs., gather both technical and non-technical data, analyze information and draw conclusions supported by facts, and develop written reports of findings., identify and incorporate technologies able to facilitate incident management and referrals., create presentations and brief senior managers., liaison with a broad network of partners and peer institution levels to develop best practices., knowledge of a second language is plus.   , create, develop, and update charter, runbooks, playbooks, workflows, processes, procedures, and other documentation as needed., help track and manage metrics (kpis/kris) to ensure the advancement of the program., other duties as assigned.    , job qualifications, the csis insider threat lead analyst position is a high visibility, experienced position requiring proven experience in intelligence analysis and being part of quickly developing programs in a corporate setting. if you have the following, we would like to talk to you:, work experience:, minimum of 7 years of combined experience in insider threat, counterintelligence, or intelligence., experience in analyzing and investigating insider threat incidents, identifying risks, and recommending controls., familiarity of corporate insider threat tactics, techniques, and procedures., familiarity with the intelligence cycle., proven track record of a taking a mitigation approach to detect and identify, assess, and manage an insider threat program or similar activity., broad knowledge of business processes including business operations, information technology, security, fraud and misconduct investigations, and intelligence production., experience in creating standard operating procedures, guidelines, processes, and intelligence product lines., experience coordinating several projects simultaneously and oversee the execution of daily duties with minimal supervision., strong organizational and facilitation skills., experience in policy development, implementation, and training., experience with enterprise level software tools to analyze large data sets and system logs., experience with host-based insider threat detection tools and advanced analytic methodologies., experience in advising senior management., experience in working with insider threat regulations and information security reports., proven track record of strategic thinking and finding business focused compliance solutions., experience with enterprise level software tools to analyze large data sets and system logs (i.e. splunk microsoft purview)., experience with host-based insider threat detection tools and advanced analytic methodologies (i.e. dtex, symantec dlp)., qualifications:, minimum ba, preferred, post graduate degrees welcomed, demonstrated self-starter and resourceful individual, with experience of operating in fast paced and dynamic operational settings., broad professional experience, including prior international work experience/travel or experience working as part of a globally dispersed team an advantage., excellent communication and presentation skills. ability to effectively communicate, both orally and in writing, through all levels of the organization., self-motivated with the ability and maturity to make decisions in the absence of detailed instructions., ability to identify risk, notify stakeholders, and inform leadership of the risk posed along with courses of action., ability to maintain client relationships to exceed client satisfaction related to csis insider threat services and products., process oriented and able to develop and describe process to a broad audience of varied backgrounds., this job description provides a high-level review of the types of work performed. other job-related duties may be assigned as required..

• Insider Threat Program Manager certificate a plus.
• Some corporate experience a plus.

------------------------------------------------------

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In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi .

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The OMB-designated Best-in-Class City Pair Program procures and manages discounted air passenger transportation services for federal government travelers. At its inception in 1980 this service covered only 11 markets, and now covers over 13,000 markets. Today, CPP offers four different contract fares.

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Note: All fares are listed one-way and are valid in either direction. Disclaimer - taxes and fees may apply to the final price

Taxes and fees may apply to the final price

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• E-Gov Travel Service for civilian agencies.
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If these services are not fully implemented, travelers should use these links:

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Contract Awards CSV

Download the FY24 City Pair Contract Awards [CSV - 1 MB] to have them available offline. The file updates after 11:59 pm Eastern Time on standard business days. Previous fiscal year contract awards can be found on the Fiscal documents and information page . To read more about the contract award highlights, please see our Award highlights .

Instructions for the FY24 CSV file

All fares are listed one-way and are valid in either direction. In the CSV file, Origin and Destination are in alphabetical order regardless of travel direction. The Origin is the airport code (domestic travel) or city code (international travel) that comes first alphabetically and the Destination is the airport or city code that comes second alphabetically.

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City Pair Program benefits and info

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• Fully refundable tickets
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CPP is a mandatory use, government-wide program, designated as a Best-In-Class procurement by OMB. The program delivers best value airfares, and ensures federal agencies effectively and efficiently meet their mission.

CPP saves the federal government time and money by maintaining one government-wide air program. At the acquisition level CPP delivers data analysis, compliance, and uses strategic sourcing to optimize its service.

PER DIEM LOOK-UP

1 choose a location.

Error, The Per Diem API is not responding. Please try again later.

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Rates for Alaska, Hawaii, U.S. Territories and Possessions are set by the Department of Defense .

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Rates are available between 10/1/2021 and 09/30/2024.

The End Date of your trip can not occur before the Start Date.

Traveler reimbursement is based on the location of the work activities and not the accommodations, unless lodging is not available at the work activity, then the agency may authorize the rate where lodging is obtained.

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When a military installation or Government - related facility(whether or not specifically named) is located partially within more than one city or county boundary, the applicable per diem rate for the entire installation or facility is the higher of the rates which apply to the cities and / or counties, even though part(s) of such activities may be located outside the defined per diem locality.

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Silver price today: Silver is up 20.65% year to date

Farran Powell

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

Published 10:41 a.m. UTC June 26, 2024

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What is the current price of silver today?

The price of silver opened at $28.87 per ounce, as of 9 a.m. ET. That’s down 2.34% from the previous day and up 20.65% year to date.

The lowest trading price within the last day: $28.57 per ounce. The highest silver spot price in the last 24 hours: $29.56 per ounce.

Silver spot price

The spot price refers to the price at which silver can be bought or sold “on the spot,” or immediately. The futures price, on the other hand, reflects the price for silver delivered later.

Silver’s spot price in U.S. dollars is denoted as XAG/USD on the foreign exchange market. You can track silver’s spot price in other currencies, including XAG/GBP for British pounds and XAG/EUR for euros. Silver trades 24/7, so its price is always shifting.

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Silver price chart

This chart shows how silver’s spot price has trended over the last year. The data is updated at 9 a.m. ET and doesn’t have intraday lows or highs.

As of 9 a.m. ET, silver was up 20.65% since Jan. 1. It hit its 52-week high of $32.51 on May 19, 2024. The 52-week low was $20.69 on Oct. 2, 2023.

The spot price represents the current market rate, or what the price is “on the spot.” Like gold prices, silver prices are typically provided in troy ounces. One troy ounce equals 1.097 standard ounces.

Various factors drive spot prices for silver. Many investors opt to trade using futures contracts rather than spot prices.

Precious metals prices

Silver is one of four main precious metals investors can trade via physical bullion , exchange-traded products or futures contracts. Gold, palladium and platinum spot prices are also updated 24/7 in a variety of currencies.

Gold/silver ratio

The gold/silver ratio is the price of an ounce of gold divided by the price of silver per ounce. As of today, the gold/silver price ratio is 80.03.

This is an important tool for comparing the value of gold to the value of silver over time. A higher ratio means gold is trading at a premium to silver. That can often be a sign of economic uncertainty. A lower ratio means silver prices are gaining on gold prices.

Silver price history

Silver prices peaked in January 1980 at $49.45 per troy ounce. They hit a low of $3.56 per troy ounce in February 1993.

Silver’s spot price has fluctuated over the years. Variables such as supply and demand, geopolitical events, currency strength, economic data, and changes in investment trends impact silver prices.

1970 - 2005

Silver was under $10 per ounce in the mid-1970s. It reached nearly $50 in 1980. But silver fell back under $10 by the late 1980s.

2006 - 2024

Silver prices cleared $10 again in 2006.

The Great Recession drove prices higher. In March 2008, spot prices reached about $20 per ounce. But another sharp decline followed. Silver dropped back below $10 by October 2008.

Another major jump occurred a few years later. In April 2011, silver traded at over $45 per ounce.

Silver future prices

Global exchanges exist in cities such as London, Hong Kong, Zurich, New York and Chicago. They allow for nearly 24-hour silver trading. The COMEX plays an essential role in setting silver spot prices. This branch of the Chicago Mercantile Exchange uses futures contracts to project silver prices.

Silver futures are contracts to buy or sell silver for a set price at a set future date.

Silver ETPs

Do you want to invest in silver using your normal broker? Then you might consider exchange-traded products. ETPs have ticker symbols and trade like stocks on exchanges. They typically hold physical bullion stored in audited facilities. Shares represent ownership of a fraction of that silver.

Note that ETPs may have management fees. They may also have tracking errors relative to silver’s spot price.

Investing in silver

Investing in silver can be approached in several ways, each with unique benefits and considerations:

• Bullion. This direct method involves owning physical silver bars and coins. But investors must consider storage and insurance costs, dealer markups, and the bid-ask spread when buying and selling.
• ETPs. These are available in most brokerage accounts and offer a more accessible alternative. But investors face ongoing annual expense ratios and possible tracking errors relative to the spot price of silver. It's important to note that redeeming shares for physical silver is only sometimes guaranteed.
• Futures. Futures allow for speculation or hedging against price movements. Trading these derivatives is done on margin, making it highly volatile and potentially unpredictable. It requires a thorough understanding of the market and its risks.

Is silver a good investment?

Various economic factors affect silver’s price movement. Your objectives, risk tolerance and time horizon also impact whether silver is a good investment.

Silver is one way to diversify a portfolio that includes stocks and bonds. But it can be volatile and risky. Consider your options before investing in silver.

Frequently asked questions (FAQs)

Gold is rarer than silver.

A precious metal’s rarity can be understood through its mass fraction. This indicates how much of the metal can be found per billion kilograms of Earth’s crust. Gold is present at four parts per billion, compared to 75 parts per billion for silver.

Investors can gain silver exposure in their IRA through two main methods. One way is by including silver ETPs in their individual retirement account . This method allows investors to have an investment linked to silver without needing physical storage.

Alternatively, investors can use a silver IRA provider to open a specialized IRA that holds physical silver. In this case, the investor’s IRA invests in silver bars or coins stored in a secure, IRS-approved depository.

The process requires choosing a custodian that specializes in self-directed IRAs to manage the purchase, storage and security of the physical silver.

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.

Tony Dong is a freelance financial writer with bylines in U.S. News and World Report, the NYSE, the Nasdaq, The Motley Fool and Benzinga. He lives in Vancouver, Canada and is an avid watch collector.

Farran Powell is the lead editor of investing at USA TODAY Blueprint. She was previously the assistant managing editor of investing at U.S. News and World Report. Her work has appeared in numerous publications including TheStreet, Mansion Global, CNN, CNN Money, DNAInfo, Yahoo! Finance, MSN Money and the New York Daily News. She holds a BSc from the London School of Economics and an MA from the University of Texas at Austin. You can follow her on Twitter at @farranpowell.

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Department of Defense Travel Card Benefits

Progress informed from the past, and inspired by the future, cardholder guide.

Official travel for the Department of Defense just became easier with the Citi Department of Defense Travel Card. When you are preparing to use your new card, please read What To Do When I First Receive My New Card . For more information regarding your new card, please read the Department of Defense Cardholder Guide .

Department of Defense Travel Insurance

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.

• Travel Accident Insurance Guide
• Lost Luggage Insurance Guide

MasterCard Guide to Benefits

Visa Guide to Benefits

In addition to the card benefits provided by Citi, Visa provides card benefits such as Car Rental Insurance and Travel and Emergency Assistance. For full details, please read the Visa Guide to Benefits .

Travel Tips

For more information on your Citi Department of Defense Travel Card, please read What to do Before, During and After travel .

Online Tools

Citi's global online tool, CitiManager ® , enables you to manage business expenses from anywhere around the globe from your computer or mobile device; you can view statements online, confirm account balances, sign up for email and SMS alerts, and much more. If you have not already signed up for the CitiManager ® tool, please log on to www.citimanager.com/login and click on the 'Self registration for Cardholders' link. From there, follow the prompts to establish your account.

For more information on the CitiManager ® tool, view our CitiManager ® Cardholder Quick Reference Guide .

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Find the best credit card for you

5 best travel cards for fair credit of july 2024, if you're building your credit, you may be able to earn rewards to use for travel at the same time..

The Citi Premier® Card is no longer available for new applicants.

Many travel credit cards require applicants to have at least good credit — typically scores 670 and above. However, some credit cards are tailored to consumers rebuilding their credit scores. These credit cards are easier to qualify for but often lack the benefits and rewards available with the best credit cards . That said, there are travel credit cards for consumers with less-than-perfect credit that allow you to rebuild or establish your credit and earn cash back, points or miles .

Below, CNBC Select rounds up the best travel credit cards for fair credit, including cards with generous rewards structures, welcome bonuses and intro APR offers. (See  our methodology  for information on how we chose the best fair credit travel credit cards).

Best travel credit cards for fair credit

• Best for welcome bonus: Discover it® Secured Credit Card
• Best for 0% intro APR: Citi Custom Cash® Card
• Best for students: Bank of America® Travel Rewards Credit Card for Students
• Best for cash back: Bank of America® Customized Cash Rewards Secured
• Best for unsecured cards: Chase Freedom Rise℠
• Best for earning rewards: Credit One Bank Wander® Card

Best for welcome bonus

Discover it® secured credit card.

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Welcome bonus

Discover will match all the cash back you've earned at the end of your first year

N/A on purchases

Regular APR

28.24% Variable

Balance transfer fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Foreign transaction fee

Credit needed.

New / Rebuilding

*See rates and fees , terms apply.

Read our Discover it® Secured Credit Card review.

• Cash-back program
• Generous welcome bonus
• Starting at seven months from account opening, Discover will automatically review your credit card account to see if you can transition to an unsecured line of credit and return your deposit
• Cash-back program limits earnings: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%
• Low credit line prevents cardholders from charging high-cost items or many expenses

Who's this for? The Discover it® Secured Credit Card stands out for having a unique and potentially lucrative welcome bonus . Plus, the card charges  no foreign transaction fees making it a for international travel.

Standout benefits: Discover automatically matches all the cash back earned at the end of your first year regardless of how much you spend. Plus, cardholders 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter), which is generous for a secured card.

[ Jump to more details ]

Best for 0% intro APR

Citi custom cash® card.

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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

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.

0% APR on balance transfers and purchases for first 15 months

19.24% - 29.24% variable

5% of each balance transfer ($5 minimum)

Excellent, Good, Fair

See rates and fees . Terms apply.

Read our Citi Custom Cash ® Card review.

• No annual fee
• 5% cash back in eligible spend categories like restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment
• $200 cash back welcome bonus if meet spending threshold
• 5% cash back is limited to top spend category, up to the first $500 spent
• 3% foreign transaction fee when traveling outside the U.S.

Who's this for? The Citi Custom Cash® Card is a great fit for anyone who may need extra time to pay for their travels thanks to its generous 15-month 0% APR introductory offer on purchases and balance transfers (after, 19.24% - 29.24% variable APR)

Standout benefits: Cardholders earn 5% cash back (up to the first $500 spent and then 1%) on their top spending category each billing cycle. The categories include restaurants and grocery stores, gas stations, select travel, select transit and more. Plus, a special travel offer: earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Cash-back is awarded as Citi ThankYou® Points , which can be transferred to select travel partners.

Best for students

Bank of america® travel rewards for students credit card.

Unlimited 1.5 points for every $1 spent on all purchases

25,000 online bonus points after you spend at least $1,000 in purchases in the first 90 days of account opening, which can be redeemed for a $250 statement credit toward qualifying travel and dining purchases

0% APR for the first 15 billing cycles on purchases, and for any balance transfers made within the first 60 days of opening your account

18.24% - 28.24% variable

3% of each transaction intro balance transfer fee for the first 60 days from account opening, then 4%

Good/Excellent

Terms apply.

• Strong welcome bonus of 25,000 points if you spend $1,000 in the first 90 days
• Intro 0% APR for 15 billing cycles on purchases and balance transfers
• No fee charged on purchases made outside the U.S.
• No student-centric benefits or incentives to practice responsible credit behavior
• Estimated rewards earned after 1 year: $466
• Estimated rewards earned after 5 years:   $1,528

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The Bank of America® Travel Rewards Credit Card for Students is ideal for students looking to study or travel abroad with no foreign transaction fees , a solid intro bonus and no annual fee.

Standout benefits: Student credit cards typically aren't designed with rewards in mind. However, this card earns 1.5X points on every purchase. That rate of return is 50% higher than what you'd earn with a typical rewards credit card for spending outside of bonus categories.

Best for cash back

Bank of america® customized cash rewards secured credit card.

3% on a category of your choice and 2% on grocery stores and wholesale clubs (up to $2,500 in combined choice category and grocery stores purchases) and 1% on all other eligible purchases.

28.24% variable

4% of the amount of each transaction

3% of the U.S. dollar amount of each transaction made in a foreign currency

Poor/No credit history

• Flexible bonus cash-back categories
• 3% foreign transaction fee

Who's this for? The Bank of America® Customized Cash Rewards Secured may be for you if you want to earn generous cash-back rewards for travel purchases.

Standout benefits: This card earns 3% cash back in one of six categories you can choose each month and 2% cash back at grocery stores and wholesale clubs (on up to $2,500 in combined purchases each quarter in the choice category and at grocery stores and wholesale clubs, then 1% back). The choice categories include travel-re and travel-related purchases such as gas and EV charging stations and dining . Cash-back is useful for booking travel because it can offset any travel-related expense without the restrictions typically attached to miles and points.

Best for unsecured cards

Chase freedom rise℠ credit card.

Earn unlimited 1.5% cash back on every purchase

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.

26.99% variable APR

5% or $5 of each transfer, whichever is greater

3% of the amount of each transaction in U.S. dollars

New/Rebuilding

Terms apply. Information about the Chase Freedom Rise℠ Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

• Low/no credit score requirement
• Generous rewards for everyday purchases
• Small welcome offer

Who's this for? The Chase Freedom Rise℠ is a great option for establishing your credit and a relationship with Chase, which issues many top travel credit cards.

Standout benefits: The Chase Freedom Rise earns 1.5% cash back on all purchases, which is a high rate of return for a starter credit card. If you or a household member have a card that allows point transfers (like the Chase Sapphire Preferred® Card ), you can move the rewards you earn from your Freedom Rise onto that card and transfer them to any of the Chase Ultimate Rewards travel partners .

Best for earning rewards

Credit one bank wander® card.

10X points on eligible hotels and rental cars book through the Credit One Bank travel partner; 5X points on eligible flights, dining and gas purchases; 1X points on all other purchases

No current offer

29.74% Variable

Average to excellent credit

See rates and fees. Terms apply.

• Great return on travel purchases
• Available to those with average credit
• No welcome bonus

Who's this for? The Credit One Bank Wander® Card is worth considering if you have average credit and want to earn the most rewards for your travel spending.

Standout benefits: Eligible travel, including flights, dining and gas purchases, earn a generous 5X points, and you can earn a whopping 10X points on eligible hotels and rental cars you book through the Credit One Bank travel partner site. You can redeem points for one cent each toward statement credits, so you're earning 5% to 10% back on a large swath of travel spending.

More on our top travel credit cards for fair credit

The Discover it® Secured Credit Card is a secured credit card that earns valuable rewards for gas station and restaurant spending, as well as a potentially lucrative welcome bonus.

• 2% back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1% back
• 1% back on all other purchases

Discover will match all of the cash back you earn at the end of your first year.

Notable perks

The Discover it® Secured Credit Card requires a refundable security deposit of at least $200, which then becomes your credit limit. After seven months, Discover will review your account to see if you can be moved to an unsecured card and have your deposit refunded.

Since this card has no foreign transaction fees, you won't be dinged for using it abroad. 

[ Return to card summary ]

The Citi Custom Cash® Card is a no-annual-fee card that offers a solid welcome bonus and flexible spending categories that automatically adjust to your biggest spending category each billing cycle.

• 5% cash back on purchases in the top eligible spend category each billing cycle, up to the first $500 spent (then 1%)
• 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025
• Unlimited 1% cash back on all other purchases

Earn $200 cash back after spending $1,500 on purchases in the first six months of account opening.

New Citi Custom Cash® Card members receive an intro 0% APR on purchases and balance transfers for the first 15 months (after, 19.24% - 29.24% variable APR). The standard balance transfer fee is 5% of each transfer ($5 minimum).

You can redeem the rewards you earn with this card in various ways, such as toward gift cards, statement credits and to book travel through the ThankYou travel center. You can also transfer your points to a limited number of Citi's travel partners including, JetBlue TrueBlue, Wyndham Rewards and Choice Privileges.

As you improve your credit, you can boost the value of your rewards by pairing the card with one that provides access to all of Citi's ThankYou travel partners , such as the Citi Premier® Card .

Bank of America® Travel Rewards Credit Card for Students

The Bank of America® Travel Rewards Credit Card for Students is a student credit card with a generous intro bonus and rewards structure. This makes it an excellent option for those looking to build their credit and earn travel rewards.

• 1.5X points on all purchases

Earn 25,000 points after spending $1,000 in purchases within the first 90 days of account opening.

This card has no foreign transaction fees so purchases made outside the U.S. won't incur the typical 3% charge. It also offers an intro 0% APR for 15 billing cycles for purchases and balance transfers you complete in the first 60 days of account opening (after that the APR is a variable 18.24% to 28.24%). There is an intro balance transfer fee of 3% of the amount of each transaction made within 60 days of account opening. The standard balance transfer fee is 4% of the amount of each transaction.

You can redeem the points you earn for statement credits for restaurant purchases and all sorts of travel, including flights, hotels, cruises, rental cars and more.

Bank of America® Customized Cash Rewards Secured

The Bank of America® Customized Cash Rewards Secured is a credit-builder card that offers a range of bonus spending categories you normally won't find with a secured credit card.

• 3% cash back in one of the following categories you choose: Travel, gas and EV charging stations, online shopping, dining, drug stores and pharmacies and home improvement or furnishings*
• 2% cash back at grocery stores and wholesale clubs*
• 1% cash back on all other purchases

*You'll earn 3% cash back and 2% cash back on the first $2,500 in combined purchases each quarter in your choice category and at grocery stores and wholesale clubs, then 1% cash back.

To open this card, you'll need a minimum opening deposit of $200 and can deposit up to $5,000. Your credit limit is based on factors such as the size of your security deposit and your income. Your account will be periodically reviewed and based on your credit and relationship with Bank of America, you may qualify to transition to an unsecured card and have your deposit .

You can redeem the cash back you earn for any amount as a statement credit or direct deposit.

Chase Freedom Rise℠

The Chase Freedom Rise℠ is a no annual fee card geared toward those just starting their credit journey. It offers an elevated rate of return on everyday purchases that you normally only see on credit cards with higher credit requirements.

• 5% cash back on Lyft rides (through March 31, 2025)
• 1.5% cash back on all other purchases

Earn a $25 statement credit after enrolling in automatic payments within the first three months of opening your account.

Eligible items you purchase with this card qualify for purchase protection and extended warranty protection. You can also be reimbursed up to $1,500 per person and $6,000 per trip for eligible prepaid non-refundable fares with this card's trip cancellation and interruption insurance.

This card also qualifies for several limited-time partner benefits. Cardholders can enroll to receive three free months of DoorDash DashPass (enroll by Dec. 31, 2024). After the three free months, you'll be automatically enrolled at 50% off for the next nine months. You can also take advantage of three free months of Instacart+ (enroll by July 31, 2024). After the free Instacart+ membership expires, you'll be automatically enrolled in an annual membership unless you cancel. After you're enrolled, you'll also receive up to $10 in statement credits each quarter (through July 31, 2024) for eligible Instacart purchases you make with your Freedom Rise card.

You can redeem your cash-back rewards for a direct deposit or statement credit to offset travel expenses. You can also use rewards to book travel through Chase Travel℠ . After you build your credit history, you can upgrade to a Chase Freedom Flex® or Chase Freedom Unlimited® card without losing the rewards you've earned.

The Credit One Bank Wander Card is rewarding for travel purchases, especially when you consider that it's available if you have fair or average credit.

• 10X points on eligible hotels and rental cars you book through the Credit One Bank travel partner site
• 5X points on eligible travel, dining and gas purchases
• 1X points on all other purchases

This card has no foreign transaction fees and offers travel accident insurance . Cardholders also enjoy free access to their credit score.

What does your credit score need to be to get a travel credit card?

The best travel credit cards generally require a good to excellent credit score, which is 670 or higher.

What's the best way to improve my credit score?

Your credit score is based on numerous factors, but the most important things to pay attention to are your debt and payment history. So the best way to increase your credit score is to consistently pay your bills on time and to focus on paying down your debt .

Can I get a Southwest credit card with a 600 credit score?

While there aren't officially published minimum credit score requirements for Southwest credit cards , you'll typically need a good to excellent score to be approved.

Bottom line

You'll generally need good to excellent credit to qualify for top travel credit cards. However, if you are building or rebuilding your credit , you can earn rewards to use for travel at the same time. These cards also have no annual fees and feature other useful perks such as intro APR offers and welcome bonuses.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best travel credit cards for fair credit.

Our methodology

To determine which travel cards are the best value for anyone with fair credit, CNBC Select analyzed the most popular credit cards available to those with no credit or who are rebuilding their credit. We compared each card on a range of features, including the annual fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees. We also considered additional perks, the application process and how easy it is to redeem points.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees of the Discover it® Secured Credit Card, click  here .

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• Electrostal History and Art Museum

You can spend time exploring the galleries in Electrostal History and Art Museum in Elektrostal. Take in the museums while you're in the area.

• Cities near Elektrostal

• Places of interest
• Yuri Gagarin Cosmonaut Training Center
• Central Museum of the Air Forces at Monino
• Peter the Great Military Academy
• History of Russian Scarfs and Shawls Museum
• Bykovo Manor
• Balashikha Arena
• Ramenskii History and Art Museum
• Malenky Puppet Theater
• Military Technical Museum
• Church of Our Lady of Kazan
• Drama Theatre BOOM
• Balashikha Museum of History and Local Lore
• Pekhorka Park
• Fryazino Centre for Culture and Leisure
• Pavlovsky Posad Museum of Art and History
• Saturn Stadium
• Borisoglebsky Sports Palace
• Church of Vladimir
• Orekhovo Zuevsky City Exhibition Hall
• Shirokov House
• Noginsk Museum and Exhibition Center
• Zheleznodorozhny Museum of Local Lore
• Stella Municipal Drama Theater
• Fairy Tale Children's Model Puppet Theater
• Fifth House Gallery
• Likino Dulevo Museum of Local Lore
• Malakhovka Museum of History and Culture
• Art Gallery of The City District