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Excellent sock-drawer card, more than pays for itself with resort credit, airline fee credit, and annual FNC. Can build up huge points balances if used regularly for business travel.

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Good welcome offers available, has a very low effective AF after the restaurant and airline statement credits ($30) and high bonus category potential.

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Very broad reward categories, AF is $100 cheaper than the CSR even after their $300 statement credit, competitive welcome offers, access to pretty decent special offers. Pairs well with Amex Everyday/Everyday Preferred for lower-spending or beginning churners.

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Decent grocery/gas card if you have no other alternative, decent Amex special offers, very attainable bonus FNC w/ just $15k spend in a calendar year.

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It's hard to beat 4% on gas, especially if Costco is already significantly cheaper which it is in most areas.

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Decent sock-drawer card if you can utilize the annual free night, good elevated bonus categories for COVID. 15 bonus elite night credits towards status can be valuable when coupled with the business version for 15 more and a modest amount of paid or award Marriott nights - puts Platinum in play for many infrequent travelers, which is where Bonvoy status becomes interesting.

Notes

Meh. It's great to have a 5x airfare and dining card all in one, and the 5x on pre-paid OTA is a great unadvertised perk, but the rest of the travel categories are too narrow and Citi is a dogshit issuer with a terrible travel portal. And the 4th night free benefit is really not that great of a deal, you don't come out too far ahead, especially factoring in any hotel status and points you'd be forgoing. Is narrowly a better deal for hotels where you don't value status and need exactly four nights. The value-add from that perk doesn't offset the $245 effective annual fee after the general travel statement credit.

Notes

Not a bad miscellaneous card, 2% cash back can also be taken as 2x Citi TYP if you have a paid TYP card. Also most Citi cards can be PCd/downgraded to this card.