Citi Credit Cards
Citi Credit Cards with Great Reviews
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.

0% for 12 months
0% for 21 months|Transfer Fee: 5% (min $5)
17.99% - 28.74% (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 17.99% - 28.74%, 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.
- More Details & Reviews About Citi® Diamond Preferred® Card
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
18.99% - 28.99% (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
- 3% foreign transaction fee
- No initial rewards bonus
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 18.99% - 28.99%, 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).
- 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)
18.99% - 28.99% (V)
annual fee
$0
rewards rate
1 - 5% Cash Back
Bonus Offer
$200
Bonus Offer
$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 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 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 18.99% - 28.99%, based on your creditworthiness.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- More Details & Reviews About Citi Custom Cash℠ 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
18.49% - 28.49% (V)
annual fee
$0
rewards rate
1 - 2 points / $1
Bonus Offer
25,000 points
Bonus Offer
25,000 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
- High regular APR
- Foreign fee
Rewards Details
- Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024.
- 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.
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
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 18.49% - 28.49%, 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).
- No Annual Fee
- More Details & Reviews About Citi Rewards+® Card
Not Offered
Not Offered
20.99% - 28.99% (V)
annual fee
$95
rewards rate
1 - 3 points / $1
Bonus Offer
60,000 points
Bonus Offer
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. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards 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
- More Details & Reviews About Citi Premier® Card

Not Offered
Not Offered
20.99% - 29.99% (V)
annual fee
$450
rewards rate
1 - 2 miles / $1
Bonus Offer
50,000 miles
Bonus Offer
50,000 miles
Good Credit
Pros
- High rewards rate
- 50,000 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 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases in 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
Additional Info
- No Foreign Transaction Fees on purchases
- More Details & Reviews About Citi® / AAdvantage® Executive World Elite Mastercard®
Not Offered
Not Offered
20.24% (V)
annual fee
$0
rewards rate
1 - 4% Cash Back
Excellent Credit
Pros
- $0 Annual Fee
- 1 - 4% Cash Back on Purchases
- 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
- 4% cash back on eligible gas and EV charging purchases 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
- 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
- More Details & Reviews About Costco Anywhere Visa® Card by Citi
Citibank Credit Card Reviews
What's Your Rating?
I've been using the CitiBank credit cards for 20 years. Recently, the bank has been just terrible. I have a large credit limit but they routinely decline charges for potential fraud. Most recently, I called in to tell them of a large charge I was going to make later in the evening. Nonetheless, the charge was declined even though it was less than 1/10 of my available limit. When I called, I got two different explanations that made zero sense. They offered no apology or any reasonable answer. I would not recommend them in the least. Shameful company.
Stay far away from these scammers !
I got a card Diamond preferred so I can do some quick balance transfers ! I have credit score of 830 and business cards from BOA , Amex and Wells Fargo . I wanted to get something fast as one of the 0% rates was about to expire on my existing BOA card!
Never again will I get citi card - their customer service are absolute trash on steroids!
I had to wait for a card for 12 days - before I could make balance transfers (because apparently citi card is so special I needed a physical card for BT ) - after getting the card I proceeded to login and verified my card in the app! Then nightmare began - I couldn’t transfer as they have some password which I didn’t even know about ! Yet I logged in without it just fine on the iPhone app!
So I had to call the mentally feeble representatives who gave me a run around for 7 hours straight!
You see, citi card is so damn special they won’t verify your identity - apparently social security , adress, phone number, date of birth isn’t good enough for them ! They wouldn’t verify me by text to my cell phone because apparently my phone number wasn’t valid for some reason - the phone number I use for work : my cell - is not good enough for citi card representatives but was good enough to log into the app! And was good enough for all other credit cards I applied for and used for 30 years until citi .
After literally hours of them not being able to verify me they said they will send a letter -(seriously a Letter by snail mail) to verify me! After I waited 12 business days for their speedy delivery credit card to arrive!
After I told them to go and blank themselves as I never in my life had to deal with such insanity with any card I ever applied for, they told me I can’t even cancel this card without getting verified !
I wonder if the mental midgets running the lunatic asylum aka citi have ever read catch 22
I will make sure other users know about this fiasco and stay the far away from these frozen vegetables in the customer service citi department
I shredded the new citi card with pleasure and got a discover card seconds later!
I have an incredible credit score (business AND personal) and they gave me a $1,500 credit limit and they won't raise it for SIX MONTHS!!!!! How are you supposed to do business with this? When I called, they would not pass me along to the supervise and said there is 'Nothing that can be done for 6 months'. While I was on the phone, I hopped on my Capital one app, and got a $10,000 credit limit increase electronically in less than 2 minutes....
I will NEVER use Citi bank again for ANYTHING. Just a waste of my time and energy.
Citi Credit Cards Review FAQ
Get answers to your questions about Citi Credit Card Reviews below. For more general questions, visit our Answers section.
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How much is the Citibank annual fee?
The Citibank annual fee is $0 to $450, depending on the card offer. For example, the Citi® Double Cash Card – 18 month BT offer has a $0 annual fee, while the Citi® / AAdvantage® Executive World Elite Mastercard® has a $450 annual fee. For comparison, the average credit card annual fee on the market is $21.65 right now.
Citibank Annual Fees
What's the easiest Citi card to get?
The easiest Citi card to get is the Citi® Secured Mastercard®. This is the only Citi card that will accept applicants with limited credit (less than 3 years of credit history). This card requires a $200 refundable security deposit, but has a $0 annual fee. It also helps you build credit history with monthly reporting to all three major credit bureaus (TransUnion, Equifax, and Experian).
Other things to know about the Citi credit cards:
Aside from the Citi Secured, nearly all other Citi credit cards require good credit or better (a credit score of 700+) for good odds of approval. Some of these cards include the Citi® Double Cash Card – 18 month BT offer and the Citi Premier® Card.
However, there are a number of store cards that also make it among the easiest Citi cards to get. Citi store cards require at least fair credit (a credit score of 640+) for approval. But purchases are limited to the affiliated merchant or its website.
What to know before getting a Citi credit card:
The easiest Citi cards to get come with limitations. They offer low minimum credit limits, high interest rates and few rewards and benefits. Also, with the Citi store cards, beware of deferred interest promotions. Deferred interest means that there's 0% interest as long as the balance gets paid in full by the end of the promotion. If it's not paid in full, Citibank charges interest on the original purchase amount from the date of purchase, at the card's regular APR.
It may also be beneficial to look outside of Citibank to some of the easiest cards to get from other issuers. Aside from lenient approval requirements, some of these also offer rewards and have no annual fees. Also, they report to the three major credit bureaus. So, if you use them responsibly, you'll be able to build or rebuild your credit. You'll then have future access to some of the best Citi credit cards, or other excellent options from different issuers.
How can I log in to my Citibank account online?
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” 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 Citibank Credit Card Account
- Register your Citibank 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 Citibank username and password. The username must be between 5 and 50 characters, including special characters, and no spaces. The password must contain from 6 to 50 characters and have at least one letter and one number, different from your password, and no more than two consecutive identical characters. The password is not case sensitive and may contain special characters.
- Log in with your new Citibank credentials. From the login page on the Citibank website or mobile app, fill out the User ID and Password fields using your new credentials, then click “Sign On” to access your account.
After you have signed up and logged in, you'll be able to manage your Citibank 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 can I reach the Citibank credit card customer service?
You can reach the Citibank credit card customer service by:
- Accessing their website or the Citi Mobile App and sending them a message.
- Calling them at (800) 950-5114.
- Visiting your local Citibank branch.
- Writing them a mail at the following address:
Citibank Customer Service
P.O. Box 6500
Sioux Falls, SD 57117
If you opt to chat with them online, expect to experience higher than normal wait times.
How many Citi cards can I have?
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. And considering how many good Citi cards there are, for a range of different needs, it's no wonder people would want more than one. For example, you could use Citi ThankYou Premier to save on travel, Citi Diamond Preferred for 0% purchases and Citi Double Cash for everyday cash back. But you should be smart about your applications. You don't want to bite off more than you can chew and begin missing payments. That would be very bad for your credit score. Even just having a lot of hard inquiries on your credit report in a short time will hurt your credit. And you don't want to get rejected either.
Here's how many Citi credit cards you can have:
- You can have an unlimited number of Citi cards, as long as you're approved for each one.
- You're allowed to have more than one of any Citi card.
- Rumor has it you need to wait at least 8 days between applications for any two Citi credit cards in order to be approved for the second. And you supposedly have to wait at least another 66 days before applying for a third. But Citi Customer Service says they have no information on such a rule.
- Each additional Citi card you apply for will become slightly harder to get, as your income will need to support more potential spending. Having lots of income and excellent credit will help your odds.
- If you want to get as many Citi cards as possible, your best bet is to apply for one a year. A hard inquiry from a credit card application only can hurt your credit for 12 months.
If you're not approved for a card, that's not necessarily the end of the line for you. There's something called “reconsideration,” where you call customer service and ask them to take a second look at your application. If you have a bunch of Citi cards already, Citi might be willing to reduce the credit on some of them and give it back to you on a new card.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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