Citi credit cards, also known as Citicards, are credit cards issued by the financial services giant Citibank. Citicards are known for offering attractive rewards and lengthy 0% APR promotions to people with above-average credit. But Citi (a WalletHub partner) also issues a range of store credit cards and a secured credit card that people with lower credit scores can get approved for.
Below, you can compare the latest Citi credit card offers, read customer reviews and more. For additional insights, check out our editors’ picks for the best Citibank credit cards right now.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.6
User Reviews
3.6
Market Comparison
4.1
fees: 5.0
cost: 3.3
APR: 5.0
Purchase Intro APR→0% for 12 months
Transfer Intro APR→0% for 21 months|Transfer Fee:5% (min $5)
Regular APR→17.24% - 27.99% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 21 months|Transfer Fee:5% (min $5)
Regular APR
17.24% - 27.99% (V)
annual fee
$0
rewards rate
None
minimum credit
Good
WalletHub's Take: The Citi Diamond Preferred card is a very good credit card that’s worth it for people with good credit who want to avoid interest charges on balance transfers or purchases. Citi Diamond Preferred offers introductory interest rates of 0% for 21 months on balance transfers and 0% for 12 months on purchases. The card also has a $0 annual fee and a balance transfer fee of 5% (min $5).
Pros
0% intro APR for 12 months on purchases
0% intro APR for 21 months on balance transfers
$0 annual fee
Cons
5% (min $5) balance transfer fee
Foreign transaction fee
High regular APR
No rewards
Additional Info
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 17.24% - 27.99%, 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.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
Market Comparison
4.5
fees: 4.0
rewards: 5.0
cost: 5.0
APR: 3.8
Purchase Intro APR→0% for 15 months
Transfer Intro APR→0% for 15 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR→19.24% - 29.24% (V)
Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
19.24% - 29.24% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
30,000 points
Bonus Offer
30,000 points
minimum credit
Good
WalletHub's Take: The Citi Strata℠ Card is a good credit card to apply for if you have good credit or better and you want to save on groceries, gas/EV charging, transit, and purchases in a category of your choice. Plus, there’s no annual fee, and you can save big with an initial bonus and a 0% introductory APR. So, the Strata Card is definitely worth considering.
Pros
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate
Cons
Balance transfer fee
High regular APR
Requires good/excellent credit
Rewards Details
For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
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.
Additional Info
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 19.24% - 29.24%, 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).
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.4
Market Comparison
4.4
fees: 3.8
rewards: 4.6
cost: 4.7
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 18 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR→18.24% - 28.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 18 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
18.24% - 28.24% (V)
annual fee
$0
rewards rate
2 - 5% Cash Back
Bonus Offer
$200
Bonus Offer
$200
minimum credit
Good
WalletHub's Take: Citi Double Cash is one of the best everyday credit cards available right now, combining low costs and very good cash-back rewards to create a lot of savings for people with good credit or better. Most importantly, Double Cash has a $0 annual fee and gives a total of 2% back on all purchases. It's nearly twice as rewarding as the average cash rewards credit card as a result.
Pros
Offers 2% cash back on all purchases
$0 annual fee
$200 initial rewards bonus
Low intro APR on balance transfers
Cons
3% foreign transaction fee
High regular APR
Rewards Details
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.
Additional Info
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, 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).
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.6
Market Comparison
3.5
fees: 5.0
rewards: 3.0
cost: 3.6
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→19.49% - 27.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.49% - 27.49% (V)
annual fee
$0
rewards rate
1 - 5% Cash Back
minimum credit
Excellent
WalletHub's Take: The Costco Credit Card is a good option for Costco members with excellent credit who spend a lot on gas, travel and dining, in addition to Costco purchases. The card offers bonus cash back in those spending categories, and it's easily worthwhile, thanks to a $0 annual fee. Costco membership will run you at least $65 per year, though.
Pros
$0 Annual Fee
High Rewards Rate
No Foreign Transaction Fees
Cons
No Initial Rewards Bonus
In-Store Rewards Redemption Only
High Regular APR
Rewards Details
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
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Additional Info
*No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.6
User Reviews
3.9
Market Comparison
4.0
fees: 2.9
rewards: 3.8
cost: 4.7
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→20.24% - 28.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
20.24% - 28.24% (V)
annual fee
$95
rewards rate
1 - 10 points / $1
Bonus Offer
60,000 points
Bonus Offer
60,000 points
minimum credit
Good
WalletHub's Take: The Citi Strata Premier® Card is a good credit card to apply for if you have good credit or better and you want to earn lots of bonus points. You can get an initial bonus worth up to $600 bonus points on airfare, hotels, gas, restaurants, and supermarkets, making the card easily worth the $95 annual fee.
Pros
60,000 points initial bonus
High rewards rate
No foreign-transaction fees
Cons
$95 annual fee
No 0% intro rates
High regular APR
Rewards Details
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
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
User Reviews
3.9
Market Comparison
2.0
fees: 1.3
rewards: 4.1
cost: 1.0
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→20.24% - 29.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
20.24% - 29.24% (V)
annual fee
$595
rewards rate
1 mile / $1
Bonus Offer
70,000 miles
Bonus Offer
70,000 miles
minimum credit
Good
WalletHub's Take: The Citi® / AAdvantage® Executive World Elite Mastercard® is worth considering if you are a frequent American Airlines flyer with good credit or better who spends a lot of time in airports. The card’s best feature is an Admiral’s Club airport lounge membership that would otherwise cost at least $750 per year. But that perk is far from free.
Pros
High rewards rate
70,000 miles initial rewards bonus
No foreign fee
Cons
High membership fees
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Rewards Details
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
Market Comparison
2.5
fees: 1.3
rewards: 4.0
cost: 2.1
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→21.24% - 29.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
21.24% - 29.24% (V)
annual fee
$595
rewards rate
1.5 - 12 points / $1
Bonus Offer
80,000 points
Bonus Offer
80,000 points
minimum credit
Good
WalletHub's Take: The Citi Strata Elite℠ Card is a good credit card for big-spenders with good or excellent credit who like to travel and don’t mind booking accommodations through Citi Travel. It’s worth the $595 annual fee if you earn the card’s 80,000-point initial bonus, use its $300 annual hotel credit, and pay your bill in full every month. Citi Strata Elite has good rewards, but the ongoing earning rates are no match for the card’s high APR.
Pros
High rewards rate
80,000 points initial rewards bonus
No foreign fee
Cons
High membership fees
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Rewards Details
For a limited time, earn 80,000 bonus Points after spending $4,000 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.
Additional Info
No Foreign Transaction Fees
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
"I would give a -1, not even a 0, for their so-called wonderful customer service. It's pathetic! I became a ping-pong ball between Best Buy Geek Squad Membership Services and Best Buy Credit Card Service. They are extremely inefficient.
It was an extremely painful experience dealing with the Customer Service of Best Buy Credit Card Services. Surprise #1: They failed to communicate to the customer that his promotional period for the monthly payment plan was ending, and then they automatically applied interest from that point, which was a total surprise. We had a difficult time talking to the customer representative to finally make the remaining balance in full payment. Surprise #2: Despite my instructions to the customer service to close my Geek Squad membership upon the full payment of my purchases, it was somehow overlooked, and the membership was continued without my consent. We eventually received a debt collection notice due to the outstanding membership fee, with a late payment fee added on. Frustration: It's impossible to reach the customer representative on the provided number. It directs to a speech-enabled system, and it is extremely difficult to get an actual person to speak with from this customer service number. Overall: It was a terrible experience with any purchase that involves a plan and automated renewal of membership. I ended up paying an amount that I did not owe to them! To me, this team is utterly disrespectful to customers.
This is a lawless bank blatantly violating federal law. We have a large credit in the credit card account, which the bank must refund within 7 business days after a customer request. They are stonewalling and trying to mislead about timing and the law. Their so-called Executive Response Team is a sham, doing absolutely nothing.
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Product: Citibank Credit Cards
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mech_engr @mech_engr
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1 Star Rating
Extremely disappointed with Citi credit card. They charge you high interest once you miss a payment date. Extremely poor customer service, basically of no help, as they adhere strictly to the system.
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Product: Citibank Credit Cards
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0
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xxhedi @xxhedi
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1 Star Rating
The worst customer service I've ever dealt with. I have a pending dispute that should have been resolved a long time ago. They have had all the information they needed to resolve this. And they keep requesting more bogus information about the dispute. Citibank also submitted a past due amount on my credit report, even though it was in dispute. I've contacted the disputes department and customer service seven times with no resolution. I also contacted Citigold Investing, where I have money, and received no response from them either.
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Product: Citibank Credit Cards
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hewebber @hewebber
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1 Star Rating
Citi Bank has chosen profit over customer service! I decided to transition from a no-fee credit card to one with a $95 annual fee. They charged me a $95 fee for an AAdvantage Miles Up Credit Card that I never applied for, nor have I received, and I have not received the no annual fee credit card either. I spent over an hour speaking to Coco, Gladis, and Jan in the Philippines Citi Customer Service, which was a total mess. I asked for the Citi Customer Service phone number in the US, and they gave me the Citi Gold phone number!
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Product: Citibank Credit Cards
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0
0
coreyrice1987_cr @coreyrice1987_cr
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1 Star Rating
Citibank is absolutely unsatisfactory. We opened a card and did a balance transfer under the impression that it was zero interest. We then used it for other purchases and got charged interest. When we called to inquire, we learned it was no interest only on the balance transfer, which was fine. We paid the amount down to the balance transfer. However, the next month we were charged interest again. After another call, we discovered that only a portion of the payment was applied to the current amount, with the rest going to the balance transfer. We paid the entire balance in August, but lo and behold, we were charged interest yet again. This company is so terrible and deceitful; I would never recommend using them as they are absolutely unsatisfactory.
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Product: Citibank Credit Cards
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0
0
Richard Brown @Ktm890
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3 Star Rating
I've been a cardholder since 2003 and as a veteran, I appreciate the 10% discount. I also like the $299 6-month plan I currently have, although I recently received an email statement stating that I was late on my monthly payment. I had a terrible time trying to log in and tried to reset my password, but it kept telling me the passwords didn't match. So I went to the top of the page and clicked on 'make payment.' Oddly, I had no trouble making a payment. Therefore, I guess I'll continue this way without logging into my account. In summary, you have no problem with someone making a payment, but logging in to see your statement is a different story.
We had a dispute and provided proof that the transaction was canceled on the hotel's end. Hilton could not provide the one-bedroom suite because they gave our room to a Diamond member. Citi requested documentation in PDF form, which we provided immediately. Now they are saying that time ran out and we owe money for a hotel room Hilton couldn't provide.
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Product: Citibank Credit Cards
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No Citi @citi_no_more
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1 Star Rating
The worst card experience in my wallet: Within an hour of receiving the card in the mail, I activated it through the app and was prompted to add it to Apple Wallet. Great! Nope. "Please call us." 18 minutes on hold. Transfer. 12 minutes on hold. 2 minutes on hold. Can only verify identity if I already have another Citi account, so instead I have to wait 10 days for a USPS paper letter with a code to call back. Meanwhile? Card locked. Useless. Every other card in my wallet, including those from tiny local banks and major national cards, was added to Wallet in seconds. I'll never use a Citi product again.
Their credit limit is embarrassing. Plus, if you're short on purchasing a Christmas tree by $25, they won't give an increase to cover it. So, tell your kids no Christmas tree. It's wrong because I've never been late on a payment.
Get answers to your questions about Citi Credit Card Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Citibank's credit score requirement is good credit or better for most cards (700+ credit score recommended). One exception is the Citi® Secured Mastercard® because it is designed for people with less than 3 years of credit history, which is considered limited credit.
Keep in mind that it's best to wait to apply for a card until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Citibank credit card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.
The Citi® Secured Mastercard® is the easiest Citi credit card to get as it's the only Citi card that will accept applicants with limited credit (less than 3 years of credit history). The Citi Secured card requires a $200 refundable security deposit, but it has a $0 annual fee.
There are a few Citi cards available for people with fair credit, namely some Citi store cards. Just note that store credit card purchases are limited to the affiliated merchant or their website.
To log in to your Citibank credit card account, go to the login page on the Citibank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign On” button to access your online account. If you don't already have an account, you will need to start by clicking “Register” in order to set up a username and password.
You can have as many Citi cards as you want, as long as your credit and income are good enough to get approved for each. Citi does not limit the number of cards you can have, but it does limit the number of cards you can apply for (and be approved) within a specific period of time. You can only apply for one card every 8 days, and no more than two over a 65-day period.
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* The information about the following cards has been independently collected
by WalletHub: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi® Secured Mastercard®, American Airlines AAdvantage® MileUp®, Citi Custom Cash® Card, Citi Simplicity® Card, and Best Buy® Store Card.
