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How do I know I can trust these reviews about Citi Credit Cards? How do I know I can trust these reviews about Citi Credit Cards? 4,658,490 reviews on ConsumerAffairs are verified. We require ...

The card's rewards structure isn't the easiest to remember. But its useful bonus categories, flexible rewards and outstanding welcome offer make it a top contender among cash-back cards.

The points on this card aren't worth as much as the points in some other hotel programs — but you can earn a lot of points per dollar. IHG is relatively generous with free nights, too.