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Citibank is a global leader in the credit card industry. Citi credit cards include no-annual-fee cards, cashback credit cards, travel credit cards, balance transfer cards with long intro APR offers, and more. With more than two dozen cards, including a number of co-branded store and airline cards, Citi provides options for most everyone.
Learn more about the credit cards Citi has to offer and explore the ones we most recommend here.
Compare Citibank credit cards (personal)
Citi balance transfer cards
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0%, 12 months from date of account opening
0%, 21 months from date of account opening
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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).
- Stay protected with Citi® Quick Lock
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0%, 12 months from date of account opening
0%, 21 months from date of account opening
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, 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.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
Citi cash back credit cards
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- 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.
- 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, 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).
Citi rewards credit cards
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- For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. 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).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
Citi travel credit cards
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- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
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- For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
Citi co-branded rewards credit cards
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- For a limited time, earn 90,000 American Airlines AAdvantage® bonus miles after $5,000 in purchases within the first 4 months of account opening.
- American Airlines AAdvantage® bonus miles are not available if you have received AAdvantage® bonus miles for a new AAdvantage® Globe™ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage® Globe™ account.
- Every calendar year, receive four Admirals Club® Globe™ Passes.
- Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
- Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
- Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
- Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.
- Earn 1 AAdvantage® miles for every $1 spent on all other purchases.
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- Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- No Foreign Transaction Fees
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
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- Earn 15,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
- 0% Intro APR for 15 months from date of account opening for balance transfers only. After that the variable APR will be 19.74% - 29.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- Balance transfer fee of either $5 or 5% of the amount of each credit card balance transfer, whichever is greater. Balance Transfers must be completed within 4 months of account opening.
- No Annual Fee
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
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- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Compare Citibank business credit cards
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- For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening
- 2X miles for eligible American Airlines purchases and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
- First checked bag is free on domestic American Airlines itineraries
- Preferred boarding
- 25% savings on American Airlines inflight Wi-Fi when you use your card
Citi credit card types
There are currently more than a dozen Citi credit cards to choose from, split into:
Citi personal credit cards
Citi offers a wide variety of personal credit cards that can suit your needs. From travel cards to cash back cards, there's a card for a variety of uses.
Citi cash back cards
The best cash back 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.
Cash back is earned in the form of 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 cash back cards:
| Credit card | Rewards rate | Annual fee |
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5.0
|
2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel | $0 |
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4.7
|
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; plus, as a special travel offer, earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026 | $0 |
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 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.
Even better, 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:
| Credit card | Rewards rate | Annual fee |
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4.9
|
10X Points on hotels, car rentals, and attractions booked on CitiTravel.com; 3X Points on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations; and 1X Points on all other purchases | $95 |
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Citi Strata Elite℠ Card 4.8
|
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com; Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time; Earn 1.5 Points per $1 spent on All Other Purchases | $595 |
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 APR rates that can be ideal for balance transfers.
Citi offers these no-annual-fee cards:
| Credit card | Rewards rate | Balance transfer intro APR |
|
5.0
|
2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel | 0% intro APR on balance transfers for 18 months, then 17.74% - 27.74% (Variable); balance transfers must be completed within 4 months of account opening |
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Citi Strata℠ Card
4.5
|
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases. | 0% intro APR on balance transfers for 15 months, then 18.74% - 28.74% (Variable); balance transfers must be completed within 4 months of account opening |
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4.5
|
None | 0% intro APR on balance transfers for 21 months from date of account opening, then 17.74% - 28.49% (Variable); balance transfers must be completed within 4 months of account opening |
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4.4
|
None | 0% intro APR on balance transfers for 21 months from date of account opening, then 16.74% - 27.49% (Variable); balance transfers must be completed within 4 months of account opening |
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4.4
|
None | None |
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American Airlines AAdvantage® MileUp® Card
4.0
|
2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services; 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases; and 1 AAdvantage® mile for every $1 spent on other purchases | 0% intro APR on balance transfers for 15 months from date of account opening, then 19.74% - 29.74% (Variable); balance transfers must be completed within 4 months of account opening |
Check out our list of the best no-annual-fee credit cards for more options.
Citi intro APR cards
An intro APR credit card provides an introductory APR on purchases and/or balance transfers during an introductory period that usually lasts between 12 to 18 months. This can be beneficial if you need to manage your debt.
Citi credit cards with 0% intro APR offers will typically also be among 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 over time.
Citi offers these 0% intro APR cards:
| Credit card | Balance transfer intro APR | Annual fee |
|
5.0
|
0% intro APR on balance transfers for 18 months, then 17.74% - 27.74% (Variable); balance transfers must be completed within 4 months of account opening | $0 |
|
Citi Strata℠ Card
4.5
|
0% intro APR on balance transfers for 15 months, then 18.74% - 28.74% (Variable); balance transfers must be completed within 4 months of account opening | $0 |
|
4.5
|
0% intro APR on balance transfers for 21 months from date of account opening, then 17.74% - 28.49% (Variable); balance transfers must be completed within 4 months of account opening | $0 |
|
4.4
|
0% intro APR on balance transfers for 21 months from date of account opening, then 16.74% - 27.49% (Variable); balance transfers must be completed within 4 months of account opening | $0 |
|
American Airlines AAdvantage® MileUp® Card
4.0
|
0% intro APR on balance transfers for 15 months from date of account opening, then 19.74% - 29.74% (Variable); balance transfers must be completed within 4 months of account opening | $0 |
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 partner airline's loyalty program.
Citi has a 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:
| Credit card | Rewards rate | Annual fee |
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Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
4.3
|
2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases; and 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases | $99 (waived first year) |
|
American Airlines AAdvantage® MileUp® Card
4.0
|
2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services; 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases; and 1 AAdvantage® mile for every $1 spent on other purchases | $0 |
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Citi® / AAdvantage® Executive Card
4.8
|
10X miles on hotels booked through aadvantagehotels.com and eligible car rentals booked through aa.com/cars, 4X miles on eligible American Airlines purchases (after spending $150,000 per calendar year this increases to 5X for the remainder of the calendar year), and 1X miles for every $1 spent on other purchases | $595 |
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:
| Credit card | Rewards rate | Annual fee |
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Costco Anywhere Visa® Card by Citi
4.6
|
Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and 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 | $0 |
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:
| Credit card | Rewards rate | Annual fee |
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Citi® / AAdvantage Business™ World Elite Mastercard®
4.6
|
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 | $99 (waived first year) |
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Costco Anywhere Visa® Business Card by Citi
4.2
|
5% cash back rewards on gas at Costco, 4% cash back on eligible gas and EV charging purchases (on the first $7,000 per year of these two categories combined, 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 | $0 |
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 to fit your lifestyle and needs.
For no-nonsense rewards on everyday purchases, the Citi Double Cash provides excellent value with a $0 annual fee. You can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
For travel rewards and benefits, you might be more interested in the Citi Strata Premier® Card. You can use this card to earn rewards from travel purchases, and you can transfer your rewards to over a dozen transfer partners.
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.
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 has about 230,000 employees as of 2025, and Chase has over 300,000. In 2024, Citi's revenue totaled $81.1 billion, and Chase's totaled $180.6 billion.
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, apply to 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 is a much larger company than American Express, and its cards are accepted more widely in countries outside 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.
When you compare Citi credit cards to Capital One credit cards, Citi's tend to stand out more for their intro APR offers, while Capital One cards stand out more for travel benefits.
FAQs
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 cash back 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.
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.
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.
Bottom line
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. For more information, read our full Citibank review.
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 you search through the many different Citi credit cards and find the one that would benefit you most.
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Current Offer
For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening
Annual Fee
$0
Rewards Rate
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.