Sigh, really? I bought airplane tickets from Expedia, and the site offered a $100 discount if I opened a Citi card. The $100 discount came through, but then a month later a fee of $95. Now let's see. I lost $10 in points by not using my regular card. So I am $5 dollar down on this one. Problem though is that the $95 fee was not upfront with the offer. Bait and switch. Lesson leaned. Avoid Citi.