I just closed my Citi DoubleCash. It declines SO MUCH and foreign transaction fees are a pain. It also has basically no perks.

Just swapped it for a Capital One Venture X. Card has a $395 annual fee, but gives $400 in annual cash benefits spendable on travel ($100 can be used on any travel, $300 can be used on their portal, which is perfectly fine for booking flights).

Benefit is the app/ecosystem is a lot nicer and it’s never declined a transaction. They also started me out with over 3x the credit limit as Citi did.

It also has return protection, extended warranty, etc.

Will have to wait to find out, but Capital One and Ally are both at similar numbers.