Citi® Credit Cards

From everyday cash back with the Citi Rewards+℠ Card to plentiful travel rewards with the Citi Premier℠ Card, compare the latest offers from Citi and find your favorite.

See the latest credit card offers from Citi below.

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
16.24% - 26.24% variable

Show Less

Highlights

  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day — just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
0%* 12 months on Purchases*
Regular APR
16.24% - 26.24%* (Variable)
Intro Balance Transfers APR
0%* 21 months on Balance Transfers*

View All Card Details

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Citi® Double Cash Card

Citi® Double Cash Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
15.74% - 25.74% variable

Show Less

Highlights

  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
  • Balance Transfers do not earn cash back
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
N/A
Regular APR
15.74% - 25.74%* (Variable)
Intro Balance Transfers APR
0% for 18 months on Balance Transfers*

View All Card Details

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Citi Premier℠ Card

Citi Premier℠ Card
Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
50,000 points
?

Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Annual Fee
$95, waived first year
Regular APR
16.74% - 25.74% variable

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Highlights

  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 points per $1 spent on travel including gas stations
  • Earn 2 points per $1 spent at restaurants and on entertainment
  • Earn 1 point per $1 spent on all other purchases
  • 50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases

Rates & Fees

Annual Fee
$95, waived for first 12 months
Intro Purchase APR
N/A
Regular APR
16.74% - 25.74% (Variable)
Intro Balance Transfers APR
N/A

View All Card Details

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CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
70,000 miles
?

For a limited time: Earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases in first 4 months of account opening*

Annual Fee
$99, waived first year
Regular APR
17.99% - 25.99% variable

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Highlights

  • Designed for businesses
  • For a limited time: Earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases in first 4 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*

Rates & Fees

Annual Fee
$99, waived for first 12 months*
Intro Purchase APR
N/A
Regular APR
17.99% - 25.99%* (Variable)
Intro Balance Transfers APR
N/A

View All Card Details

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Citi® Secured Mastercard®

Citi® Secured Mastercard®
No Credit History
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
24.74%* (Variable)

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Highlights

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.

Rates & Fees

Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
24.74%* (Variable)
Intro Balance Transfers APR
N/A

View All Card Details

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Citi Rewards+℠ Student Card

Citi Rewards+℠ Student Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
2,500 points
?

Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com

Annual Fee
$0
Regular APR
16.74% - 26.74% variable

Show Less

Highlights

  • Introducing the New Citi Rewards+℠ Student Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
  • Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
  • 0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
  • No annual fee

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% intro for 7 months on Purchases
Regular APR
16.74% - 26.74% (Variable)
Intro Balance Transfers APR
N/A

View All Card Details

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Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi
Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
17.49% variable

Show Less

Highlights

  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 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*

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
N/A
Regular APR
17.49%* (Variable)
Intro Balance Transfers APR
N/A

View All Card Details

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Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by Citi
Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0*
Regular APR
17.49% variable

Show Less

Highlights

  • Exclusively for Costco Members: Go Big with Cash Back Rewards. Receive a reward coupon annually which is redeemable for cash or merchandise at US Costco warehouses
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 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*

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
N/A
Regular APR
17.49%* (Variable)
Intro Balance Transfers APR
N/A

View All Card Details

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Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


Comparing Credit Card Offers from Citi

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:

  • Citibank's best cards
  • Deeper analysis on best cards
  • What is Citi?
  • Rewards program and redemptions
  • Quick recap

The Best Citi Credit Cards of 2019

Deeper analysis on Citi's best cards

No matter your credit circumstance, there is a Citi card for you. Whether you are new to credit or ready for a superior rewards card, Citi has it all. Here are the best Citi cards we have to offer:

Citi Rewards+SM Card

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 $60 on supermarkets and gas stations with the 2X points earnings, in gift cards at thankyou.com. All this with no annual fee.

Highlights

  • Card rounds up to the nearest 10 points on every purchase
  • Get 10% points back for the first 100,000 ThankYou points you redeem each year
  • 0% APR on purchases and balance transfers for 12 months, then a variable 15.74%-25.74% after that

Citi Simplicity Card

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 0% intro APR for 21 months on balance transfers and 12 months on purchases (then 16.24% - 26.24% variable). Note that there is a balance transfer fee of $5 or 5%, whichever is greater.

Highlights

  • 0% intro APR for 21 months on balance transfers (then 16.24% - 26.24% variable)
  • No late fees or penalty rate
  • No annual fee

Citi Premier Card

As one of the top travel credit cards on the market, this worthy rival to the Chase Sapphire Preferred even offers a travel portal boost equal to the Chase Ultimate Rewards. Here's how it works:

The Premier Card offers 50,000 points after a $4,000 spend within the first 3 months of card membership. But that's not all. Those points translate into $625 in airfare when redeemed through the ThankYou Travel Center.

Also, the Premier allows you to earn 3X points on travel – including gas stations. The $95 annual fee is waived the first year.

Highlights

  • 50,000 point bonus after $4,000 spend in first 3 months
  • No expiration or limit to points you can earn
  • No airline transfer fee and transfers can start at 1,000 points

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

If your business frequently requires travel and American Airlines is your carrier of choice, consider this CitiBusiness card.

While there is a $99 annual fee—which is waived for the first year–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 70,000 miles after $4,000 in purchases within your first 4 months.

Highlights

  • Large miles bonus
  • Solid purchase categories that earn 2X miles
  • Annual fee is waived the first year

Citi® Secured Mastercard®

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.

Highlights

  • No annual fee
  • Monthly reports to credit bureaus
  • Auto pay and online bill pay options

Citi Rewards+SM Student Card

This card is a great option for college sudents 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. There's also 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.

Highlights

  • 2X points at supermarkets and gas stations
  • 10% points back for the first 100,000 points redeemed every year
  • No annual fee

Costco Anywhere Visa Card by Citi

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.

Highlights

  • Can be used anywhere that Visa is accepted
  • No annual fee with your paid Costco membership
  • No foreign transaction fee

Costco Anywhere Visa Business Card by Citi

Designed with small business owners in mind, the Costco Anywhere Visa Business Card comes with high cash back rates in relevant spending categories.

Like its consumer counterpart, it offers 4% cash back on eligible gas purchases for the first $7,000 per year, then 1%. Additionally, you'll get 3% back at restaurants and on eligible travel purchases, along with 2% back on all other purchases from Costco (including at Costco.com) and 1% back on all other purchases. That's all for no annual fee.

Highlights

  • Generous cash back program
  • No annual fee with your paid Costco membership
  • Benefits like car rental insurance

What is Citi?

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.

America's oldest continuous banks...

Year foundedRankFounding nameCurrent name
11784Bank of New YorkBNY Mellon
21792State Street Deposit & TrustState Street Corp.
31799The Manhattan CompanyNow part of JPMorgan Chase
41812City Bank of New YorkCitibank
51818John A. Brown & Co.Brown Brothers Harriman

Wikipedia and creditcards.com research

Services Citi offers

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:

Banking

  • Checking
  • Savings
  • CDs and IRAs

Credit cards

  • Low interest
  • Rewards
  • Travel
  • Cash back & savings
  • Balance transfer
  • Business
  • Secured

Lending

  • Home equity
  • Personal lines
  • Mortgages

Investing

  • For retirement
  • For college
  • For life changes
  • Protecting your wealth
  • Estate planning

Business

  • Small business banking
  • Commercial

Overview of their rewards program and best redemption options

Citi ThankYou Rewards

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.

Monthly points with Citi direct deposit and bill payment...

Eligible products & servicesCitigold, Citi Priority, or Citi Private Bank AccountThe Citibank Account
Checking account, bill payment, direct deposit650450
Auto save12575
Savings/money market200150
Mortgage175100
Personal/installment loan12550
Home equity loan175100
Custom credit line15075
Total1,6001,000

Citibank

Redeeming

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.

  • Get gift cards from such retailers as Best Buy, Starbucks, Macy's and The Home Depot.
  • Choose merchandise from such brands as Apple, Sony and KitchenAid.
  • Get tickets to concerts and other events at LiveNation.com. You can link your Live Nation and ThankYou Rewards accounts.
  • Online Bill Pay allows you to use ThankYou points you've already earned toward your bill payments.
  • If available, you can redeem through the Travel Center.

Cash back and AAdvantage

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.

Citi Easy Deals

  • Base tier – Gives you access upon registration to local offers for restaurants, shops and services.
  • Enhanced tier – In addition to base tier benefits, spend $100 in purchases on your eligible credit card in one calendar year for access to savings on gift cards and magazines.
  • Plus tier – In addition to base and enhanced benefits, spend $500 in purchases on your eligible credit card in one calendar year for access to savings on merchandise, travel and Daily Deals.

Driver's Edge

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.


Recap: The Best Credit Cards from Citibank

CardBest For:CreditCards.com Rating
Citi Rewards+SM CardDaily purchases3.0 / 5
Citi Simplicity® CardLong 0% intro period for balance transfers3.7 / 5
Citi PremierSM CardFlexible travel rewards3.5 / 5
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®Business travel3.9 / 5
Citi® Secured Mastercard®Building your credit3.0 / 5
Citi Rewards+SM Student CardCollege students2.4 /5
Costco Anywhere Visa Card by CitiGas purchases2.5 / 5
Costco Anywhere Visa Business Card by CitiSmall business owners2.6 / 5

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.