Citi Credit Cards
Citi Credit Cards with Great Reviews
- Citi® Double Cash Card – 18 month BT offer – 5/5 editor’s rating
- Citi® Diamond Preferred® Card – 3.6/5 editor’s rating
- Citi Rewards+® Card – 4.2/5 editor’s rating
- Costco Anywhere Visa® Card by Citi – 4.7/5 editor’s rating
- Best Buy® Store Card – 3/5 editor’s rating
- American Airlines AAdvantage MileUp℠ Card – 3/5 editor’s rating
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.
- Consumer
- Business
- Student
- Excellent – Above 749
- Good – 700 - 749
- Fair – 640 - 699
- Bad – 300 - 639
- No Credit/Limited History

Secured Card
Min Deposit of $200
One-Time Fees
$0
23.24% (V)
annual fee
$0
monthly fee
$0
Limited History
Pros
- Relatively low minimum deposit
- No annual fee
Cons
- Expensive financing
- 3% foreign-transaction fee
- No rewards
Additional Info
- 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.
- The standard variable APR for Citi Flex Plan is 23.24%. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About Citi® Secured Mastercard®

Not Offered
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
14.74% - 24.74% (V)
annual fee
$0
rewards rate
2% Cash Back
Good Credit
Pros
- Offers 2% cash back
- $0 annual fee
- Multiple redemption options
- Low intro APR on balance transfers
Cons
- No initial rewards bonus
- 3% foreign transaction fee
- Must have at least $25 in rewards to redeem
Rewards Details
- 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.
Additional Info
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, 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).
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About Citi® Double Cash Card – 18 month BT offer

0% for 15 months
0% for 15 months|Transfer Fee: 5% (min $5)
14.74% - 24.74% (V)
annual fee
$0
rewards rate
1 - 5% Cash Back
Rewards Bonus
$200
Rewards Bonus
$200
Good Credit
Pros
- $200 initial bonus
- $0 annual fee
- Up to 5% cash back
- 0% introductory APRs
Cons
- Bonus rewards limit
- High regular APR
- Foreign transaction fee
Rewards Details
- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
Additional Info
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- See More Details & Reviews About Citi Custom Cash℠ Card

0% for 12 months
0% for 21 months|Transfer Fee: 5% (min $5)
14.49% - 24.49% (V)
annual fee
$0
rewards rate
None
Good Credit
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 for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.49% - 24.49%, 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.
- The standard variable APR for Citi Flex Plan is 14.49% - 24.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About Citi® Diamond Preferred® Card

0% for 12 months
0% for 21 months|Transfer Fee: 5% (min $5)
15.49% - 25.49% (V)
annual fee
$0
rewards rate
None
Good Credit
Pros
- 0% intro rate on balance transfers for 21 months
- 0% intro rate on new purchases for 12 months
- No annual fee
Cons
- 5% (min $5) balance transfer fee
- High regular APR
- No rewards
Additional Info
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 15.49% - 25.49%, 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.
- The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
- See More Details & Reviews About Citi Simplicity® Card

Not Offered
Not Offered
16.74% - 24.74% (V)
annual fee
$95
rewards rate
1 - 3 points / $1
Rewards Bonus
60,000 points
Rewards Bonus
60,000 points
Good Credit
Pros
- 60,000 points initial bonus
- 3 points per $1 spent on travel, gas, dining and at supermarkets (1 point per $1 on everything else)
- No foreign-transaction fees
Cons
- $95 annual fee
- No 0% intro rates
- High regular APR
Rewards Details
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
Additional Info
- No Foreign Transaction Fees on purchases
- See More Details & Reviews About Citi Premier® Card

0% for 15 months
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
14.24% - 24.24% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Rewards Bonus
20,000 points
Rewards Bonus
20,000 points
Good Credit
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Additional Info
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.24% - 24.24%, 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).
- The standard variable APR for Citi Flex Plan is 14.24% - 24.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About Citi Rewards+® Card
Citibank Credit Card Reviews
What's Your Rating?
WALLETHUB LETS USERS/BOTS DO THIS!!!
Worst customer service ive ever experienced in this industry BY FAR, totally incapable. I wasn't allowed to simply switch one single card perk......WHY? "We just can't". I needed to because ur poorly trained customer service signed me up to the ONLY CITIBANK CC WITHOUT INTRO APR when thats all i wanted! Credit was good enough so i klnwo that wasnt it. I was lied to, conned into this hot pile of grabage. And now i have a large interest charge on a card im stuck with and will no longer use. Better that way i suppose.... but I'm partially disabled, supporting another disabled family member.... just trying to get by like most of us here. If shifty deceitfulness, apathy, and incompetency were illegal, this bank would be a criminal enterprise.
Questions & Answers
Get answers to your questions about Citi Credit Card Reviews below. For more general questions, visit our Answers section.
- Most Popular
- Most Upvotes
How can I log in to my Sears Credit Card account online?
To log in to your Sears 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” to access your online account. If you don't already have an account, you will need to start by clicking “Register for Online Access” in order to set up a username and password.
How to Log in to a Sears Credit Card Account
- Register your Sears Credit Card for online account access. Click “Register for Online Access” and enter your card number, birthdate and the last 4 digits of your Social Security number or Tax ID number to verify your credit card account.
- Choose your Sears Credit Card username and password. The username must be between 5 and 50 characters, including special characters, but no spaces. The password must contain from 6 to 50 characters and have at least one letter and one number, and no more than two consecutive identical characters. The password is not case sensitive and may contain special characters.
- Log in with your new Sears Credit Card credentials. From the login page on the Citibank website or mobile app, fill out the User ID and Password fields using your new credentials, and click “Sign On” to access your account.
After you have signed up and logged in, you'll be able to manage your Sears Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot Password?” on the Citibank login page. Then, just follow the prompts to reset or retrieve your username or password.
How do I make a Best Buy Credit Card payment?
You can make a Best Buy® Credit Card payment online, by phone, through the Citibank mobile app, by mail or at a branch. To pay a Best Buy® Credit Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Citibank does allow cardholders to set up automatic payments, too.
Ways to Make a Best Buy® Credit Card Payment
- By phone. Call 1-888-574-1301 and enter your card information when prompted.
- Online. Log in to your online account and click on “Make a Payment.”
- Through the mobile app. Log in to your account and select your card, then tap “Make a Payment.”
- By mail. Send a check or money order (but not cash) to My Best Buy® Credit Card Payments / P.O. Box 9001007 / Louisville, KY 40290-1007. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
- At a branch. You can make a payment at any Citibank branch during normal business hours.
How can I make a Home Depot Credit Card payment?
The easiest way you can make a Home Depot® Credit Card payment is either online, or over the phone at (866) 875-5488. Alternatively, you can pay your Home Depot® Credit Card bill through the mobile app, by mail, or at a branch. The issuer does allow cardholders to set up automatic payments, too. Keep in mind that you cannot make a Home Depot® Credit Card payment in-store.
Ways to Make a Home Depot® Credit Card Payment
- Online: Sign in to your online account and click the “Make a Payment” button. From there, you'll see your payment options and can enter the amount you want to pay, along with your bank account information if you haven't previously stored it.
- Phone: To make a Home Depot® Credit Card payment over the phone, call the number on the back of your card or the main customer service line, at (866) 875-5488. You should call between 6 a.m. and 1 a.m. EST from Monday to Saturday or between 7 a.m. and 12 a.m. EST on Sundays.
- Mobile app: Use the issuer's mobile app for iOS and Android and select your card, then tap “Make a Payment.”
- At a branch: You can make a payment at any Citibank (the issuer) branch during normal business hours.
- Mail: If you want to pay your Home Depot® Credit Card bill by mail, send a personal check with your account number on the memo line to the card's payment address:
The Home Depot® Consumer Credit Card Payments
Home Depot Credit Services
P.O. Box 9001010
Louisville, KY 40290-1010
Overnight Delivery/Express Payments
Attn: Consumer Payment Dept.
6716 Grade Ln
STE 910
Louisville, KY 40213
Keep in mind that payments via regular mail take the longest time to post. So, in order to avoid being late, always send your payments at least 5-7 days before your due date.
Where can I find the Citi Double Cash login page?
You can find the Citi Double Cash Card login page on Citi's website. Everyone who has a Citi account can log in to manage their account there. There is no separate page for a Citi Double Cash Card login.
You can also access the Citi Double Cash Card login page from the Citi mobile app, which you can get for free for both Apple and Android. This is probably the most convenient way for you to manage your account on the go. You'll just need to log in on the app with the same information you'd normally put in to the website login field.
How to create an online account:
If you don't have an online account, it's pretty easy to create one. Just go to the login page and click below the username and password fields where it says, “Register for Online Access.” You'll then need to enter your card number, along with your birthdate and the last 4 digits of your SSN. Then you can set up your account and create a username and password. After you're logged in, you'll have full access to your account, allowing you to view your balance, see your transactions and rewards, make payments and more.
How do I make a Sears Credit Card payment?
You can make a Sears Credit Card payment online, by phone, by mail or at a local Sears store. To pay a Sears Credit Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Sears Credit Card does allow cardholders to set up automatic payments, too.
Ways to Make a Sears Credit Card Payment
- Online: Log in to your online account and click on "Make a Payment."
- By phone: Call (800) 669-8488 and enter your card information when prompted, then follow the automated instructions to make a payment. There is a fee for payments made through a representative.
- At a store: You can make a payment at any Sears store location.
- By regular mail: Send a check or money order (but not cash) to:
Sears Consumer Payments
O. Box 9001055
Louisville, KY 40290-1055
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too. - Mail overnight payments: Send a check or money order (but not cash) to:
Sears Consumer Express Payments
Attn: Consumer Payment Dept.
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
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