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Citibank is a global leader in the credit card industry, promoting financial growth and economic progress to millions of clients worldwide. Its credit card offerings are ideal for both personal consumers and business owners, with many different types to choose from.
For the enthusiastic globetrotter, there are exceptional travel credit card choices available. Or for rewards on everyday purchases, you might consider the cashback credit cards that Citi offers. If you’re interested in applying for a new Citi card, here are the best options.
- Latest Citi personal card offers
- Latest Citi business card offers
- What is Citibank?
- What are the different types of Citi credit cards?
- How does Citi compare to other credit card companies?
- Which Citi credit card should you choose?
- FAQs about Citi credit cards
- Bottom line on the best Citi credit card for your wallet
Latest Citi personal card offers
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Current Offer
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness
Annual Fee
$0
Rewards Rate
2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
The Citi® Double Cash Card lets you earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, just be sure to pay at least the minimum due on time.
In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers 0% intro APR on balance transfers for 18 months, then 18.49% - 28.49% (variable) APR, and no annual fee.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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Current Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
Annual Fee
$0
Rewards Rate
5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, then 1% cash back), plus unlimited 1% cash back on all other purchases
The Citi Custom Cash℠ Card is a great option for those who want flexible cash rewards, with no annual fee, and the option to pay off existing credit card debt over time. Cardholders earn 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, then 1% cash back), plus unlimited 1% cash back on all other purchases.
In addition to generous cash back, the Citi Custom Cash Card offers a 0% introductory APR on balance transfers and purchases for 15 months, then 18.49% - 28.49% (variable) APR after that.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
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Current Offer
Long introductory APR period for balance transfers
Annual Fee
$0
The Citi® Diamond Preferred® Card is a great option if you need to finance a large purchase or have existing credit card debt and would like to pay it down over time.
Cardholders can enjoy a 0% intro purchase APR for 12 months from date of account opening and a 0% intro APR on balance transfers for 21 months from the date of first transfer. After that, the regular 17.49% - 28.24% (variable) APR will apply.
In addition to its introductory APR, this card also has no annual fee, making it a solid, inexpensive option.
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
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Current Offer
Long introductory APR period on balance transfers
Annual Fee
$0
The Citi Simplicity® Card is a great option for anyone who is looking for a long introductory APR period. Cardholders can enjoy a 0% introductory APR on balance transfers for 21 months and a 0% intro APR on purchases for 12 months. After that your balance will be subject to the regular 18.49% - 29.24% (variable) APR, based upon your creditworthiness.
Cardholders also don't need to worry about fees: There are no late fees, penalty rate, or annual fees with this no-frills, high-impact card.
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
- Stay protected with Citi® Quick Lock
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Current Offer
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Annual Fee
$95
Rewards Rate
3X points at restaurants, supermarkets, gas stations, air travel and hotels; and 1X points on all other purchases
The Citi Premier® Card is a rewards credit card fit for those who enjoy traveling and earning points on everyday spending.
Cardholders can redeem points for a wide range of rewards options, including: travel, cash back, gift cards, bill payments, and more.
Earn 3X points at restaurants, supermarkets, gas stations, air travel and hotels; and 1X points on all other purchases.
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Citi® / AAdvantage® Executive World Elite Mastercard®
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Citi® / AAdvantage® Executive World Elite Mastercard®
Current Offer
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases in the first 3 months of account opening
Annual Fee
$450
Rewards Rate
2X miles on eligible American Airlines purchases and 1X miles for every $1 spent on other purchases
The Citi® / AAdvantage® Executive World Elite Mastercard® is great for travelers who prefer to fly with American Airlines.
Cardholders will enjoy their first checked bag free, up to $100 reimbursement for Global Entry and TSA PreCheck application fees, and free access to Admirals Clubs.
Earn 2X miles on eligible American Airlines purchases and 1X miles for every $1 spent on other purchases.
- Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases in the first 3 months of account opening
- 2X miles on eligible American Airlines purchases and 1X miles for every $1 spent on other purchases
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
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Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Current Offer
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Annual Fee
$99 (waived first year)
Rewards Rate
2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and 1X miles on all other purchases
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a solid airline credit card with a generous sign-up offer and exclusive perks when flying American Airlines.
Cardholders will enjoy their first checked bag free, preferred boarding, and savings on eligible in-flight purchases.
Earn 2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and 1X miles on all other purchases.
- Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
- 2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and 1X miles on all other purchases
Citi Rewards+® Card
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Citi Rewards+® Card
Current Offer
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening
Annual Fee
$0
Rewards Rate
2X points at supermarkets and gas stations (on the first $6,000 in purchases per year, then 1X points thereafter), and 1X points on all other purchases
The Citi Rewards+® Card is a great option for those who enjoy earning rewards on their everyday purchases.
Cardmembers earn 2X points at supermarkets and gas stations (on the first $6,000 in purchases per year, then 1X points thereafter), and 1X points on all other purchases.
This card is good for smaller purchases because every purchase rounds up to the nearest 10 points. So both a $1 item and a $9 item will earn you 10 points.
Citi Rewards+ cardmembers can also enjoy an introductory offer on new purchases and balance transfers, a valuable welcome offer, and no annual fee.
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening
- 2X points at supermarkets and gas stations (on the first $6,000 in purchases per year, then 1X points thereafter), and 1X points on all other purchases
- Intro purchase 0% APR offer: 0% for 15 months then 17.99% - 27.99% (variable)
- Intro balance transfer 0% APR offer: 0% for 15 months then 17.99% - 27.99% (variable)
Citi® Secured Mastercard®
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Citi® Secured Mastercard®
Current Offer
Helps those with little to no credit history build their credit
Annual Fee
$0
The Citi® Secured Mastercard® is a decent option for those looking to build their credit. With this card, you put down a security deposit, and your credit limit is equal to that deposit. The minimum you can deposit is $200, and the maximum is $2,500.
Citi reports your payment activity to the three major credit bureaus, which can help you build credit or improve your credit score over time.
- Helps those with little to no credit history build their credit
American Airlines AAdvantage® MileUp® Card
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American Airlines AAdvantage® MileUp® Card
Current Offer
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Annual Fee
$0
Rewards Rate
2X AAdvantage® miles per dollar spent at grocery stores (including grocery delivery services) and on eligible American Airlines purchases; plus 1X miles per dollar on everything else
The American Airlines AAdvantage MileUp Card is best for occasional American Airlines customers who want to earn AAdvantage® miles. This card earns 2X AAdvantage® miles per dollar spent at grocery stores (including grocery delivery services) and on eligible American Airlines purchases; plus 1X miles per dollar on everything else.
This card's generous welcome offer and decent rewards make it a great option for American Airlines customers. Plus, it has no annual fee.
- Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
- 2X AAdvantage® miles per dollar spent at grocery stores (including grocery delivery services) and on eligible American Airlines purchases; plus 1X miles per dollar on everything else
Costco Anywhere Visa® Card by Citi
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Costco Anywhere Visa® Card by Citi
Current Offer
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Annual Fee
$0
Rewards Rate
4% cash back on eligible gas and EV charging purchases (up to $7,000, then 1% thereafter); 3% on restaurants and eligible travel purchases; 2% on all other purchases from Costco and Costco.com; and 1% on all other purchases
The Costco Anywhere Visa® Card by Citi is an excellent option for loyal Costco customers and those looking to earn cash back on their everyday purchases.
Cardholders can earn 4% cash back on eligible gas and EV charging purchases (up to $7,000, then 1% thereafter); 3% on restaurants and eligible travel purchases; 2% on all other purchases from Costco and Costco.com; and 1% on all other purchases.
With no annual fee and decent rewards, this credit card is a good value if you're a Costco member.
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- 4% cash back on eligible gas and EV charging purchases (up to $7,000, then 1% thereafter); 3% on restaurants and eligible travel purchases; 2% on all other purchases from Costco and Costco.com; and 1% on all other purchases
Latest Citi business card offers
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Current Offer
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening
Annual Fee
$99 (waived first year)
Rewards Rate
Earn 2X miles per dollar on all eligible American Airlines purchases and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations; plus 1X miles on other purchases
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a great option for businesses that frequently fly on American Airlines with high travel expenses. Cardholders enjoy perks like a first checked bag free and preferred boarding on American Airlines flights.
Earn 2X miles per dollar on all eligible American Airlines purchases and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations; plus 1X miles on other purchases.
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening
- Earn 2X miles per dollar on all eligible American Airlines purchases and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations; plus 1X miles on other purchases
Costco Anywhere Visa® Business Card by Citi
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Costco Anywhere Visa® Business Card by Citi
Current Offer
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Annual Fee
$0
Rewards Rate
4% cash back on eligible gas and EV charging purchases (on the first $7,000 per year, then 1%); 3% cash back on restaurants and eligible travel purchases; 2% cash back on all purchases from Costco and Costco.com; and 1% cash back on all other purchases
The Costco Anywhere Visa® Business Card by Citi is a great option for those who make frequent business purchases at Costco stores.
This card offers 4% cash back on eligible gas and EV charging purchases (on the first $7,000 per year, then 1%) and additional benefits such as extended warranty coverage, making it an option worth considering if you have a Costco membership and shop there often.
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- 4% cash back on eligible gas and EV charging purchases (on the first $7,000 per year, then 1%); 3% cash back on restaurants and eligible travel purchases; 2% cash back on all purchases from Costco and Costco.com; and 1% cash back on all other purchases
What is Citibank?
Citibank’s storied history began more than 200 years ago when the City Bank of New York was founded on June 16, 1812. Today, Citibank has about 200 million customer accounts and conducts business in more than 160 countries and jurisdictions, cementing its place as one of the world’s largest financial institutions.
From its earliest days, Citi has been involved in the banking industry. America was fighting with Britain in the War of 1812 when City Bank was founded, and the bank lent the federal government hundreds of thousands of dollars in funding. In 1914, National City Bank opened its first international branch, located in Buenos Aires, Argentina, though its banking affiliate, International Banking Corporation (IBC), had already opened branches in Panama City, Panama, and Shanghai, China.
Now, you can find Citibank branches and ATMs in countries around the globe. Because Citi uses both Visa and Mastercard to process credit card payments, you can also find Citi cards in use all over the world. Citi first delved into credit cards in the 1960s with its Everything Card, and by 1994, it had become the world’s largest card issuer, with more than 50 million active cards.
Citi continues to offer banking and wealth management services. You can also invest and take out loans with Citi, or apply for one of its many credit cards.
What are the different types of Citi credit cards?
There are currently more than a dozen Citi credit cards to choose from, split into the personal and business card categories. You have options for travel rewards, cash back, balance transfers, grocery shopping, and more. Business credit cards are also available to help you efficiently separate your business expenses from your personal expenses. In short, Citi has a card to fit just about any consumer’s needs.
Citi personal credit cards:
Citi offers a wide variety of personal credit cards that can suit your needs. From travel cards to cashback cards, there’s a card for everyone.
Citi cashback cards
The best cashback credit cards are best known for offering valuable rewards whenever you use them to make purchases. Redemption options for your rewards vary by card but typically include statement credits or cash deposited directly into an eligible account.
Some cards may also offer the option to convert cash back into Citi ThankYou Points. These points are flexible and can be redeemed for gift cards, travel redemptions, statement credits, charitable donations, and more.
Citi offers these cashback cards:
Citi travel cards
If you enjoy traveling, applying for one of the best travel credit cards could be a good choice. Citi travel cards offer premium travel perks and benefits to help enhance your jet-setting experiences. No foreign transaction fees can help stretch your dollar as you’re traveling abroad, and earning rewards on travel purchases gives you added value, and perks like car rental insurance could save you money.
Luxury card benefits such as annual travel credits, Priority Pass lounge access, and TSA PreCheck or Global Entry reimbursement can push your trip to the next level. Even better, all Citi travel cards earn Citi ThankYou Points. Aside from basic redemption options, you can also transfer these points to Citi transfer partners, such as Aeromexico, Emirates, JetBlue, and Virgin Atlantic.
Citi offers these travel cards:
- Citi Premier® Card
- Citi Prestige® Card (no longer accepting applications)
No annual fee Citi cards
If you want simple rewards earning or straightforward benefits, you might consider a Citi no annual fee credit card. These cards are easy to understand because they typically come with straightforward terms. There’s no annual fee to worry about, which means there are fewer benefits to think about, though that doesn’t mean you won’t see some valuable benefits with certain cards.
Some of Citi’s no annual fee cards offer high cashback rewards rates, which can be beneficial if you’re looking for an everyday card without an annual cost. Citi also offers some cards with low introductory interest rates that can be ideal for balance transfers.
Citi offers these no annual fee cards:
- Citi® Double Cash Card
- Citi Rewards+® Card
- Citi Simplicity® Card
- Citi® Diamond Preferred® Card
- Citi® Secured Mastercard®
- American Airlines AAdvantage® MileUp® Card
Check out our list of the best no annual fee credit cards for more options.
Citi 0% intro APR cards
A 0% APR credit card provides 0% introductory APR on purchases and/or balance transfers during an introductory period that usually lasts between 12 to 18 months. Some Citi cards have 0% introductory APR offers that last longer than 18 months, which can be beneficial if you need to manage your debt.
Citi credit cards with 0% intro APR offers will typically be the best balance transfer cards. These cards allow you to avoid accruing interest on a transferred balance for a certain time period, sometimes longer than you would normally see on credit cards from other companies. While you'll typically pay a balance transfer fee when you transfer a balance, the interest savings is likely to offset that cost quickly.
Citi offers these 0% intro APR cards:
- Citi® Double Cash Card: (0% intro APR on balance transfers for 18 months, then 18.49% - 28.49% (variable))
- Citi Rewards+® Card: (0% intro APR on purchases for 15 months, then 17.99% - 27.99% (variable); 0% intro APR on balance transfers for 15 months, then 17.99% - 27.99% (variable))
- Citi Simplicity® Card: (0% intro APR on purchases for 12 months, then 18.49% - 29.24% (variable); 0% intro APR on balance transfers for 21 months, then 18.49% - 29.24% (variable))
- Citi® Diamond Preferred® Card: (0% intro APR on purchases for 12 months, then 17.49% - 28.24% (variable); 0% intro APR on balance transfers for 21 months, then 17.49% - 28.24% (variable))
Citi co-branded airline cards
Citi co-branded airline cards are credit cards that Citi has issued in partnership with specific airlines. Instead of earning Citi ThankYou Points with these cards, you would earn miles or points from the airline’s loyalty program that Citi has partnered with.
Citi has a known partnership with American Airlines. This means your purchases with Citi and American Airlines co-branded cards would earn American Airlines miles in the AAdvantage frequent flyer program. You may also get specific airline benefits, such as free checked bags, preferred boarding, or savings on inflight food and beverage purchases.
Citi offers these co-branded airline cards:
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- American Airlines AAdvantage® MileUp® Card
- Citi® / AAdvantage® Executive World Elite Mastercard®
Other co-branded Citi cards
Citi also partners with retailers and companies that don’t necessarily fall into the airline category. However, the rewards from some of these cards may be redeemed toward airfare or other forms of travel. Other cards may offer redeemable points or cashback rewards.
Citi offers these other co-branded cards:
Citi business credit cards
In addition to its selection of personal credit cards, Citi also offers some of the best business credit cards. These cards were designed to help business owners easily manage their finances by keeping business expenses separate from personal expenses. Business credit cards can also offer valuable rewards and benefits.
Citi offers these business credit cards:
How does Citi compare to other credit card companies?
Citibank has hundreds of years of history in the United States and services millions of customer accounts around the world. Citi credit cards are widely used on an international level, and the company has partnerships with huge corporations such as Costco and American Airlines. But even with the clear levels of success Citi has achieved, it’s still compared to other big credit card companies.
So how does Citi match up against Chase, American Express, and Capital One?
Citi vs. Chase
Both Citi and Chase share banking roots, and both offer banking services to this day. They’re also both credit card issuers, but not payments networks like Visa or Mastercard. So they issue credit cards but don’t process credit card payments.
Overall, both Citi and Chase are very large financial institutions. Citi had about 200,000 employees in 2019, and Chase had more than 250,000 employees. The same year, Citi’s total net revenues totaled about 74 billion, and Chase’s totaled about 115 billion. Because both companies typically use Visa or Mastercard for their payments networks, their credit cards are generally accepted all over the world.
Citi vs. American Express
Citi and American Express are both credit card companies, but they have a lot of differences. Both Citi and American Express are card issuers, which means they issue credit cards for consumer use. However, American Express is also a payments network, but Citi is not. This means that American Express can process credit card payments on its network, just like Visa and Mastercard.
Citi offers many different types of services, in addition to issuing credit cards. With Citi, you can open an FDIC-insured banking IRA, take out a mortgage loan, and choose from a wide range of investment options. American Express offers only a few services in addition to its credit card products. You can open a savings account or open a certificate of deposit.
Currently, Citi (200,000 employees) is a much larger company than American Express (64,500 employees), and its cards are accepted more widely in countries other than the U.S.
Citi vs. Capital One
Citi and Capital One are more similar than some other credit card companies because they offer similar products. Both companies are credit card issuers and they both offer savings accounts, checking accounts, and loans. Like Citi, Capital One is not a payments network, but partners with networks like Visa and Mastercard. This means cards from both companies are generally accepted everywhere in the world.
Capital One is a much smaller company than Citi, with about 52,000 employees in 2019 compared to Citi’s 200,000 employees. With total net revenue of about 28 billion in 2019, Capital One has some catching up to do to reach Citi’s 74 billion.
Which Citi credit card should you choose?
The right Citi credit card for you depends on your situation and what you need the card for. There are many different types of Citi cards available, which makes it easy to select one that could best your lifestyle and needs.
If you go through the categories listed above, you can get an idea of the type of card you’re looking for. For no-nonsense rewards on everyday purchases, the Citi Double Cash provides excellent value with a $0 annual fee. You can earn up to 2% unlimited cash back on all purchases, without having to worry about rotating or bonus categories.
For travel rewards and benefits, you might be more interested in the Citi Premier® Card or the Citi Prestige (no longer accepting applications. You can use either card to earn rewards from travel purchases, and you can transfer your rewards to over a dozen transfer partners. Even better, the Citi Prestige offers premium travel perks. Enjoy annual travel credit, airport lounge access, and complimentary hotel nights.
If you need help with how to pay off debt, a balance transfer credit card may be useful. Many Citi cards offer balance transfers with 0% introductory APR for a certain period of time. Consider using these intro offers to avoid accruing interest for a set time period while you pay down your debt.
Co-branded Citi cards are great options if you’re loyal to a specific airline, company, or brand. You can take advantage of Citi benefits while earning rewards for a favorite loyalty program.
If you have a credit card need, Citi has a card for you. You may want to travel more or earn extra rewards on your daily purchases. Whatever your need is, browse through Citi’s extensive list of cards and you’ll likely find the right one for your wallet.
FAQs about Citi credit cards
What is the best Citibank credit card?
The best Citibank credit card is the one that holds the most value for you. Because everyone has a unique situation, the best card for you might not be the best card for someone else. If you enjoy traveling, you might consider a travel credit card for its travel rewards and benefits. For a card you can use every day, a cashback card that earns rewards on every purchase might make more sense.
What credit score do you need for a Citi credit card?
To qualify for a Citi credit card, you will likely need an excellent credit score. To obtain an excellent rating, you’ll need a FICO score of 800 or above. Because this isn’t a published rule, the final decision on who may qualify is up to Citi's discretion.
Which Citi credit cards have no annual fee?
These Citi credit cards have no annual fee:
- Citi® Double Cash Card
- Citi Rewards+® Card
- Citi Simplicity® Card
- Citi® Diamond Preferred® Card
- Citi® Secured Mastercard®
- American Airlines AAdvantage® MileUp® Card
Which Citibank credit cards earn rewards?
These Citibank credit cards earn rewards in the form of points, miles, or cash back:
- Citi® Double Cash Card
- Citi Rewards+® Card
- Citi Premier® Card
- Citi Prestige Card (no longer accepting applications)
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Citi® / AAdvantage® Executive World Elite Mastercard®
- American Airlines AAdvantage® MileUp® Card
- Costco Anywhere Visa® Card by Citi
Can you prequalify for a Citi card?
Yes, you can prequalify for a Citi card. Citi will typically offer prequalification tools on its website so you can check to see whether you’re prequalified for any Citi cards. You simply have to type in a bit of information and Citi will let you know what offers are available. This tool may not always be available.
Other options are receiving a letter in the mail from Citi with a prequalified offer or going into a Citi branch and asking if there are any offers available. Keep in mind that prequalification doesn’t mean you’ll automatically qualify for a Citi credit card. Ultimately, it’s up to Citi to decide whether you’re approved for a Citi credit card.
How can I log into my Citibank credit card?
Use the Citi website or mobile app to log into your Citibank account and check the status of any Citi credit cards you have. If you don’t yet have an online account with Citibank, you can also use the Citi website or mobile app to register for online access.
Which Citi credit card is the easiest to get?
The easiest Citi credit card to get would be one of its starter credit cards meant for building your credit. Currently, the Citi® Secured Mastercard® can help you establish or improve your credit. As such, you shouldn’t need a higher credit score to qualify for this card and may need little or no credit history. That said, Citi will make the final decision on approvals, depending on your creditworthiness and other factors.
What credit score does Citi require?
Citi typically requires an excellent credit score to qualify for most Citi credit cards. Excellent FICO credit scores are 800 and above. To build your credit, you might consider a Citi card such as the Citi Secured Mastercard. This card may require little or no credit history. At the end of the day, though, Citi has the final say on who it approves for a credit card, regardless of the suggested credit score.
Bottom line on the best Citi credit card for your wallet
As you can see, you’ve got several options if you’re interested in applying for a new Citi card. The best credit card for you will depend on your situation, so be sure to carefully consider your financial goals and spending habits when choosing a credit card.
If you already know what type of card you’re looking for, use this guide to narrow down the choices and find one that would suit your needs. Take your time as your search through the many different Citi credit cards and find the one that would benefit you most.
Earn Cash Back Twice
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Current Offer
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness
Annual Fee
$0
Rewards Rate
2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
Benefits
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
- 0% intro APR on balance transfers for 18 months, then 18.49% - 28.49% (variable) APR
- No annual fee
Drawbacks
- Foreign transaction fee
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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