Expedia®+ Voyager Card from Citi

Robin Saks Frankel  in  Travel Advertising Disclosure
Annual Fee:
$95.
Purchase Intro APR:
N/A
Regular APR:
15.74% to 23.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.
Terms and Restrictions Apply | Rates and Fees
Bankrate Score: 93 out of 100

Commonly used for: Excellent Credit, No Foreign Transaction Fees, Rewards, Travel.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our excellent credit category page.

Editor’s note: some of the offers on this page are no longer available. 

For those who enjoy a challenge, the Expedia+ Voyager Card from Citi offers some of the best points values available from a travel rewards credit card. But this isn’t a card that allows minimum effort, as calculating your redemption options can be complicated.

Review

Juicing the most value out of the Expedia+ Voyager Card from Citi requires a lot of legwork. It’s best if you travel at least a few times a year and book those trips through Expedia. With the Voyager card, you’ll earn 4 Expedia+ bonus points for every $1 spent on eligible Expedia purchases. Restaurants and entertainment will net you 2 Expedia+ bonus points per $1 and all other spending earns 1 Expedia+ point per $1. The card also comes with Expedia+ gold status, which gives you an additional 30% points bonus on Expedia bookings.

That bonus could really boost your rewards.

But — and here’s the tricky part — the value of Expedia+ points depends on how you use them. The best value comes from using the points toward a +VIP Access hotel stay, where 3,500 Expedia+ points are worth a $50 credit toward the hotel. Expedia says your points are worth twice as much when booking a +VIP Access Hotel, and you’ll get 250 bonus points for booking a hotel with this designation.

If you prefer a hotel that’s not labeled +VIP Access, those 3,500 points are worth a $25 credit toward that hotel.

The lowest value use of Expedia+ points would be to book a flight, where it takes 8,000 Expedia+ points to receive up to $50 worth of credit toward a flight. You also have to have enough points to redeem for the entire cost of the flight; you can’t use a combination of points and cash.

If you’re using your earnings toward hotels or flight and hotel packages,  you’ll have to redeem your points for a coupon first and then book your travel and apply the coupon to your trip. So, if you have a $500 coupon, and the cost of your hotel stay is $491, you lose the remaining $9 of value. And, the coupons can only be used on one room per booking. This means if you’re a family who needs two rooms, you can only pay for one room with your earnings.

The card comes with an $100 annual air incidental travel credit, and if you spend $2,000 within 3 months of account opening, a 25,000 Expedia+ point bonus. The sign-up bonus could be worth as much as $350 if you use it for a + VIP Access hotel, or as little as $150 if you use it toward a flight booking.

Who should get this card

Only those who are up for the challenge of making the most of a complicated rewards structure should consider this card.

Advantages
  • If you're willing to put the work in, this card can offer big rewards.
Disadvantages
  • Getting the maximum value out of your Expedia+ points can be cumbersome and requires thorough understanding of a complex redemption program.
  • You can only redeem rewards for flights or hotels booked through the Expedia site.
  • If you don’t use or earn points within 18 months, they’ll expire.
  • You can only redeem your points for a vacation package up to $300.

Fees and APR

  • Annual fee is $95.
  • This card has a variable APR of 15.74% – 23.74% for purchases and balance transfers.
  • There are no foreign transaction fees for purchases made outside the U.S.

Extras, perks and using points

Cardholders get Expedia+ gold status, which gives a 30% point bonus on all Expedia.com travel bookings.

If you spend $10,000 on the card in the prior card membership year, get a 5,000-anniversary points bonus.

To redeem your points, log in to your Expedia account and select which type of redemption you’d like.