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Choose the right Citi® credit card for you – whether you want travel rewards, cash back, bonus points or a low introductory rate, Citi has the card that fits your needs. Citi is an advertising partner.
Whether you want cash back, great rewards or a low intro rate, Citi has a card that fits your needs. Citi is an advertising partner.
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Citi, one of the nation’s largest and oldest banks, offers much more than credit cards. In addition to rewards, business and credit-building cards, Citi serves as a bank for people seeking mortgages, investing services and more.
Here, we delve into what is Citi and what the bank offers:
If you don’t love the idea of rotating categories and you have a sizeable balance transfer you need to make, the Citi Double Cash Card is the card for you.
This card is best known for 2 things: its intro APR of 0% intro for 18 months on Balance Transfers (then 13.99% - 23.99% (Variable) and its double cash back. Here’s how it works: you get unlimited 1% cash back when you make your purchase, then you get another 1% when you pay for the purchase. Heads up that balance transfers don’t earn cash back.
Have a big purchase coming up? Need to transfer that monster balance? This card can help with both.
The Citi Simplicity’s greatest feature is the intro APR of 0% for 21 months on Balance Transfers and 0% for 12 months on Purchases (then 14.74% - 24.74% (Variable)). Note that there is a balance transfer fee of $5 or 5%, whichever is greater.
The Diamond Preferred’s intro APR offer of 0% for 21 months on Balance Transfers (it’s 13.74% - 23.74% (Variable) after that) is its most compelling feature, although the purchase offer is only for 12 months. While there are no ongoing rewards or sign-up bonus, this card has other features that might make it worth your while in the long term.
With this card, you can earn 15,000 bonus points after a $1,000 spend within the first 3 months of card membership, then the ongoing rewards include 2X points at supermarkets and gas stations for the first $6,000 spent each year. It’s 1X point after that and on other purchases. That means you can redeem $150 back for the sign-up bonus, then $120 on supermarkets and gas stations with the 2X points earnings, in gift cards at thankyou.com. All this with no annual fee.
This card is a terrific choice if you’re an American Airlines loyalist looking for a taste of luxury travel. Along with a large sign-up bonus of 50,000 AAdvantage miles if you spend $5,000 in the first 3 months, you’ll enjoy elite perks like Admirals Club lounge access (a $550-$650 value), a credit of up to $100 for Global Entry / TSA PreCheck every 5 years, in-flight discounts and priority check-in and boarding.
If your business frequently requires travel and American Airlines is your carrier of choice, consider this CitiBusiness card.
While there is an annual fee of $99, waived for first 12 months –the rewards make sense for business owners as you earn 2X miles per dollar on purchases at telcos, cable and satellite providers, car rentals, and gas stations. Of course, you’ll also earn 2X miles per dollar on eligible AA purchases and 1 mile per dollar on all other purchases. The sign-up bonus is substantial with a reasonable spending requirement: you earn 65,000 miles after $4,000 in purchases within your first 4 months.
This card may not carry the flashiest sign-up bonus or the most impressive luxury perks, but it should offer frequent AA flyers some terrific long-term value. Unlike most airline cards, which tend to offer bonus miles only on purchases made directly with the airline, the MileUp card also offers 2X miles on grocery store purchases. Earning bonus miles in such a practical everyday spending category should make it much easier to rack up rewards for future trips. Best of all, the card charges no annual fee.
The Citi Secured Mastercard is a good option if you’re new to credit and need to build it from the ground up.
Since this Citi card is a secured card, that means that you’ll have to put down a security deposit to use the card. The minimum here is $200, but it gets you off to a good start to pay your bill on time every month and build your credit back up. With online bill pay and auto pay options, it’s easy to keep track of bill payments each month.
This card is a great option for college students and contains a few more perks than you might expect from a student credit card.
Most notably, the Citi Rewards+ Student Card earns 2X points at supermarkets and gas stations on up to $6,000 in purchase per year, then reverts to earning 1X point per dollar as it does on all other purchases. It also rounds up to the nearest 10 points on every purchase. There’s a 2,500-point sign-up bonus after you spend $500 in your first 3 months, which can then be redeemed for a $25 gift card.
When Costco switched from American Express to Visa in 2016, that meant the club warehouse also switched which sole network they accepted to Visa.
While you don’t have to have this Costco card to shop there, you can max out on gas, restaurants and travel, and Costco spending with some pretty generous rewards with the Costco Anywhere Visa. There’s no sign-up bonus with this card, but the ongoing rewards more than make up for it.
To start off, while there’s no sign-up bonus, Costco members receive a reward coupon annually which is redeemable for cash or merchandise at U.S. Costco warehouses.
Earn 4% cash back on eligible gas (worldwide and at Costco) for up to $7,000 for the year, then 1% thereafter; 3% cash back on restaurants and eligible travel; 2% cash back on all other Costco and Costco.com purchases; and 1% cash back on all other purchases.
| Credit card | Best for | CreditCards.com Rating |
|---|---|---|
| Citi® Double Cash Card | Flat-rate cash back | 3.8 / 5 |
| Citi Simplicity® Card | Long 0% intro period for balance transfers | 3.7 / 5 |
| Citi® Diamond Preferred® Card | Excellent credit | 3.9 / 5 |
| Citi Rewards+SM Card | Bonus rewards points | 3.0 / 5 |
| Citi® / AAdvantage® Executive World EliteTM Mastercard® | Lounge access | 3.9 / 5 |
| CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® | Business travel | 3.8 / 5 |
| American Airlines AAdvantage MileUpSMCard | American Airlines purchases | 3.5 / 5 |
| Citi® Secured Mastercard® | Building your credit | 3.0 / 5 |
| Citi Rewards+SM Student Card | College students | 2.4 /5 |
| Costco Anywhere Visa® Card by Citi | Gas purchases | 2.5 / 5 |
Citibank, a division of Citigroup, is a full-service bank that provides mortgages, checking and savings accounts, credit cards, and more.
Citibank was founded in 1812 as City Bank of New York, with Samuel Osgood as the founding president. One of North America’s oldest banks in continuous operation, it is steeped in the United States’ banking history.
| Year founded | Rank | Founding name | Current name |
|---|---|---|---|
| 1784 | 1 | Bank of New York | BNY Mellon |
| 1792 | 2 | State Street Deposit & Trust | State Street Corp. |
| 1799 | 3 | The Manhattan Company | Now part of JPMorgan Chase |
| 1812 | 4 | City Bank of New York | Citibank |
| 1818 | 5 | John A. Brown & Co. | Brown Brothers Harriman |
Wikipedia and creditcards.com research
Citibank’s services vary by location. For example, in New York, you can qualify for a mortgage, card, bank accounts, and more. Here are some Citi services that are available in New York as an example:
It’s actually pretty simple – the more business you do with Citi, the more ThankYou points you receive. Have a mortgage with them? That’s up to 175 points a month. Checking, bill pay and direct deposit? Up to 650 a month. Here’s how it all breaks down.
| Eligible products & services | Citigold, Citi Priority, or Citi Private Bank Account | The Citibank Account |
|---|---|---|
| Checking account, bill payment, direct deposit | 650 | 450 |
| Auto save | 125 | 75 |
| Savings/money market | 200 | 150 |
| Mortgage | 175 | 100 |
| Personal/installment loan | 125 | 50 |
| Home equity loan | 175 | 100 |
| Custom credit line | 150 | 75 |
| Total | 1,600 | 1,000 |
When it comes to redemptions, your options are numerous. Rewards start at 1,000 points, which is rock-bottom compared to other programs, and TPG ranks a ThankYou point at 1.7 cents, which is more than competitive. Here are ways your points can be redeemed. Heads up that there can be gift card and shopping deals, and the ThankYou Travel Center portal is competitive with the Chase Ultimate Rewards portal.
Citi features multiple cash back cards, such as the Citi Rewards+ Card and the Costco Anywhere Visa cards. Redemptions range from statement credits to gift cards.
With the CitiBusiness/AAdvantage Platinum Select World Elite Mastercard, you earn miles you can redeem with American Airlines or American Eagle to more than 250 destinations worldwide. Miles can also be redeemed for car rentals or hotel stays at more than 10,000 locations.
This rewards program earns you a 2% rebate when you lease or purchase a new or used car with the Driver’s Edge Credit Card.
Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura’s work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.