Citi Credit Cards: Best and Latest Offers [July 2020]

Citibank credit cards are used by individuals and businesses around the world. See which card could be a good fit for you.
Last updated Jul 1, 2020 | By Ben Walker

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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.

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Latest Citi personal card offers

Citi Double Cash Card

Special Offer

Earn cash back twice: 1% when you buy + 1% when you pay

Why We Like It

The Citi Double Cash Card lets you earn cash back twice. Earn 2% cash back on all purchases: 1% when you buy plus 1% when you pay. 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 a 0% introductory APR on balance transfers for 18 months and no annual fee.


Credit Needed: Excellent

Citi Diamond Preferred

Special Offer

0% intro APR on purchases and balance transfers for 18 months

Why We Like It

The Citi Diamond Preferred 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 18 months and a 0% intro balance transfer offer for 18 months. After that, the standard variable APR will apply.

In addition to its introductory APR, this card also has no annual fee, making it a solid, inexpensive option. 

Credit Needed: Excellent

Citi Simplicity Card

Special Offer

Get 0% introductory APR on balance transfers for 21 months and purchases for 12 months

Why We Like It

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 on purchases for 12 months.

Cardholders also don't need to worry about fees: There are no late fees, penalty fees, or annual fees with this no-frills, high-impact card.

Credit Needed: Good - Excellent

Citi / AAdvantage Executive World Elite Mastercard

Special Offer

Earn 50,000 American Airlines AAdvantage bonus miles after spending $5,000 in the first 3 months

Why We Like It

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 American Airlines purchases and 1X miles for every $1 spent on other purchases.

Credit Needed: Excellent

Citi / AAdvantage Platinum Select World Elite Mastercard

Special Offer

Earn 50,000 American Airlines AAdvantage bonus miles after spending $2,500 in the first 3 months

Why We Like It

The Citi / AAdvantage Platinum Select World Elite Mastercard is a solid airline credit card with a generous signup offer and exclusive perks when flying American Airlines.

Cardholders will enjoy their first checked bag free, priority boarding, and savings on inflight eligible purchases.

Earn 2X miles at gas stations, restaurants, and on American Airlines purchases, and unlimited 1X miles on all other purchases.

Credit Needed: Excellent

Citi Rewards+ Card

Special Offer

Earn 15,000 points after spending $1,000 on purchases in the first 3 months

Why We Like It

The Citi Rewards+ Card is a great option for those who enjoy earning rewards on their everyday purchases. Cardmembers earn 2X ThankYou points per dollar spent at supermarkets and gas stations on the first $6,000 in purchases per year. 

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 a valuable welcome offer and no annual fee.

Credit Needed: Excellent

Citi Rewards+ Student Card

Special Offer

Earn 2,500 bonus points after $500 in purchases in the first 3 months

Why We Like It

The Citi Rewards+ Student Card is a great choice for students looking to build their credit while earning valuable rewards. Students can not only earn a sign-up bonus, but also 2X ThankYou Points at supermarkets and gas stations and 1X points on all other purchases.

This card is great for smaller purchases because points are rounded up to the nearest 10 points on every purchase. That $4 cup of coffee will earn 10 points. Plus, there's no annual fee. 

Credit Needed: Good

Citi Secured Mastercard

Citi Secured Mastercard

Special Offer

Helps those with little to no credit history build their credit

Why We Like It

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.

American Airlines AAdvantage MileUp Card

American Airlines AAdvantage MileUp Card

Special Offer

Earn 10,000 AAdvantage bonus miles (and a $50 statement credit) after making $500 in purchases in the first 3 months

Why We Like It

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 and on eligible American Airlines purchases, plus 1X 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.

Credit Needed: Excellent

Citi® / AAdvantage® Gold World Elite™ Mastercard®

Citi® / AAdvantage® Gold World Elite™ Mastercard®

Special Offer

Save 25% on eligible inflight purchases

Why We Like It

The Citi / Advantage Gold World Elite Mastercard offers many travel benefits for anyone who prefers to travel with American Airlines.

Cardholders can enjoy 25% off inflight food and beverage purchases and a 10% discount on American Airlines vacation packages.

Earn 1X miles for every dollar spent.

Credit Needed: Good - Excellent

CitiBusiness / AAdvantage Platinum Select Mastercard

CitiBusiness / AAdvantage Platinum Select Mastercard

Special Offer

Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in the first 4 months

Why We Like It

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is an all-around viable option for businesses that frequently fly on American Airlines with high travel expenses. Our favorite benefit is the offer of reduced mileage awards.

Credit Needed: Excellent

Citi Premier Card

Citi Premier Card

Special Offer

Earn 60,000 bonus points after spending $4,000 in the first 3 months

Why We Like It

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 on travel including gas stations; 2X points at restaurants and on entertainment; and 1X points on all other purchases. 

Credit Needed: Excellent

Citi Prestige

Citi Prestige

Special Offer

Earn 50,000 bonus points after spending $4,000 within 3 months of account opening

Why We Like It

The Citi Prestige Credit Card is an outstanding card for people who love to travel and earn rewards.

Cardholders will enjoy no foreign transaction fees, up to $250 in travel credits every calendar year, and complimentary 4th night stays on bookings of 4+ nights through thankyou.com.

Earn 5X points on airline purchases, travel agencies, and restaurants; 3X points on hotels and cruise lines; and 1X points on all other purchases.

Credit Needed: Excellent

AT&T Access Card from Citi

AT&T Access Card from Citi

Special Offer

Earn 10,000 points when you spend $1,000 within the first 3 months

Why We Like It

The AT&T Access Card from Citi is a decent option for loyal AT&T customers. This card comes with a generous welcome offer and no annual fee. 

Plus, cardholders earn 2X points on AT&T purchases and online purchases at eligible travel and retail websites; and 1X points on all other purchases.


Credit Needed: Fair - Good

Costco Anywhere Visa Card

Costco Anywhere Visa Card

Special Offer

Earn up to 4% back on eligible gas purchases

Why We Like It

The Costco Anywhere Visa Card 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 purchases (up to $7,000), 3% on restaurant and travel purchases, 2% on Costco and Costco.com purchases, and 1% on everything else. 

With no annual fee and decent rewards, this credit card offers some decent value if you're a Costco member.

Credit Needed: Excellent

Latest Citi business card offers

CitiBusiness / AAdvantage Platinum Select Mastercard

CitiBusiness / AAdvantage Platinum Select Mastercard

Special Offer

Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in the first 4 months

Why We Like It

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is an all-around viable option for businesses that frequently fly on American Airlines with high travel expenses. Our favorite benefit is the offer of reduced mileage awards.

Credit Needed: Excellent

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

Cashback 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, a travel credit card could be the right move for you. 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.

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:

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 0% intro APR cards

A 0% APR credit card provides 0% interest 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 credit 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.

Citi offers these 0% intro APR cards:

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:

Other co-branded Citi cards

Citi also partners with other 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 high-value small 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 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 or the Citi Prestige. 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 to pay off debt, a balance transfer credit card may help. Many Citi cards offer introductory balance transfer periods with 0% APR. Consider using these intro offers to avoid accruing interest for a time 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
  • AT&T Access Card from Citi
  • Citi Diamond Preferred Card
  • American Airlines AAdvantage MileUp Mastercard
  • Expedia Rewards Card from Citi
  • Citi Secured Mastercard

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
  • Citi / AAdvantage Platinum Select World Elite Mastercard
  • American Airlines AAdvantage MileUp Mastercard
  • Citi / AAdvantage Executive World Elite Mastercard
  • Costco Anywhere Visa Card by Citi
  • AT&T Access Card from Citi
  • Expedia Rewards Card from Citi
  • Expedia Rewards Voyager Card from 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 right 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

Citi Double Cash Card

Citi Double Cash Card

Citi Double Cash Card

Benefits

  • 0% intro APR on balance transfers for 18 months
  • 2% cash back on all purchases - 1% when you buy and 1% when you pay
  • No annual fee