A Citi card will almost always be a Mastercard. Citi’s current Visa cards are the Costco Anywhere Visa and Anywhere Visa Business cards. Both cards earn 4% cash back per $1 spent on gas purchases up to $7,000 annually; 3% on restaurant and travel purchases; and 2% on Costco purchases.
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 million 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.
As a network, neither Visa or Mastercard actually issue credit cards. That’s left to banks such as Citi. The issuer handles applications, approval, billing, payments, and sets the terms and conditions for its Mastercard and Visa cards.
Some of the best Citi Mastercard credit cards include the Citi Double Cash, Simplicity, and Citi Premier cards. The Double Cash card earns 2% cash back on all purchases; 1% when you buy, and an additional 1% when you pay. The Simplicity offers an introductory 0% interest rate for 18 months on purchases and balance transfers. Citi Premier gives 50,000 bonus points (worth up to $625 in airfare) 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.
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