John S Kiernan, Managing Editor
@John
Most Citibank credit cards are on the Mastercard network, including the Citi Simplicity® Card and the Citi® Double Cash Card – 18 month BT offer. It is also worth noting that nearly all Visa cards that Citibank offers are co-branded, such as the Costco Anywhere Visa® Card by Citi and the Best Buy® Credit Card.
Both Visa and Mastercard benefit from extensive worldwide acceptance, so you’ll be able to use them anywhere credit cards are accepted.
You can find a comprehensive list of both Citi Mastercard and Citi Visa credit cards, right here on WalletHub. If you would like to learn more about the differing roles played by card networks and card issuers, you can also check out WalletHub’s guide on credit card companies and major cards.
2023's Best Citi Credit Cards
Compare Cards
ruth_costello, Member
@ruth_costello
A Citi card will almost always be a Mastercard. Citibank’s current Visa cards are the Costco Anywhere Visa® Card by Citi, the Costco Anywhere Visa® Business Card by Citi and the Best Buy® Credit Card.
Visa and Mastercard are the world’s two largest credit card networks. Both are accepted at almost 11 million locations in the United States, and more than 200 countries and territories worldwide. Visa and Mastercard also offer supplemental benefits such as rental car insurance, extended warranties and zero liability protection on top of any benefits the card’s issuer might provide. Having said that, it’s the issuer who has the final say in whether their cards offer such benefits.
As a network, neither Visa or Mastercard actually issue credit cards. That’s left to issuers such as Citibank. The issuer handles applications, approval, billing, payments, and sets the terms and conditions for its Mastercard and Visa cards. Networks like Visa and Mastercard dictate where credit cards can be used, facilitate payment processing and administer secondary credit card benefits.
Some of the best Citi Mastercard credit cards include the Citi Double Cash Card, the Citi Simplicity® Card, and the Citi Premier® Card. The Double Cash card earns 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). The Citi Simplicity Card offers an introductory purchase APR of 0% for 12 months on purchases. And that’s coupled with an introductory balance transfer APR of 0% for 21 months (there is also a 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer balance transfer fee). One the introductory periods are over, remaining balances accrue interest at a regular APR of 18.49% - 29.24% (V) (based on creditworthiness). And Citi Premier gives hefty rewards including an initial bonus of 60,000 points for spending $4,000 in the first 3 months.
Whether your Citi card is a Visa or Mastercard, you’ll possess a card that is widely accepted worldwide and shares similar benefits. You’ll just have to decide which Citi credit card best matches your spending and rewards preferences.
People also ask
Is Citi Premier a Visa or Mastercard?
Citi Premier® Card is a Mastercard. This means you can use your Citi Premier Card at nearly 11 million merchants that accept Mastercard nationwide. Plus, Mastercard is accepted in over 210 countries and territories.
There are a few differences between Visa and Mastercard credit cards, such as the level of benefits they offer,... read full answer
show lessIs the Citi Simplicity card a Visa or Mastercard?
The Citi Simplicity card is a Mastercard. Citi Simplicity is only issued on the Mastercard network now, but it used to be offered as either a Visa or a Mastercard in the past.
Now, you can use Citi Simplicity anywhere Mastercard is accepted, which includes over 200 countries and around... read full answer
show lessIs Citi Double Cash a Visa or Mastercard?
The Citi Double Cash Card is a Mastercard. This means that you can use the card virtually everywhere in the world that accepts credit cards. Mastercard is accepted in over 210 countries and territories, and by millions of retailers.
But wide acceptance isn’t the only good thing about the Citi Double Cash Card. You’ll also get... read full answer
show lessDid we answer your question?