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.
- Consumer
- Business
- Student
- Excellent – Above 749
- Good – 700 - 749
- Fair – 640 - 699
- Bad – 300 - 639
- No Credit/Limited History

0% for 15 months
0% for 15 months|Transfer Fee: 5% (min $5)
16.24% - 26.24% (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 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 16.24% - 26.24%, 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

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
16.24% - 26.24% (V)
annual fee
$0
rewards rate
2% Cash Back
Bonus Offer
$200
Bonus Offer
$200
Good Credit
Pros
- Offers 2% cash back
- $0 annual fee
- Multiple redemption options
- Low intro APR on balance transfers
Cons
- 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.
- For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Additional Info
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.24% - 26.24%, 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).
- More Details & Reviews About Citi® Double Cash Card – 18 month BT offer

0% for 12 months
0% for 21 months|Transfer Fee: 5% (min $5)
15.99% - 25.99% (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 15.99% - 25.99%, 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.
- More Details & Reviews About Citi® Diamond Preferred® Card

0% for 12 months
0% for 21 months|Transfer Fee: 5% (min $5)
16.99% - 26.99% (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 16.99% - 26.99%, 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.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
- More Details & Reviews About Citi Simplicity® 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
15.74% - 25.74% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
20,000 points
Bonus Offer
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 at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point 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 15.74% - 25.74%, 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).
- More Details & Reviews About Citi Rewards+® Card

Secured Card
Min Deposit of $200
One-Time Fees
$0
24.74% (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.
- More Details & Reviews About Citi® Secured Mastercard®

Not Offered
Not Offered
18.24% - 27.24% (V)
annual fee
$0
rewards rate
1 - 2 miles / $1
Bonus Offer
10,000 miles + $50 statement credit
Bonus Offer
10,000 miles + $50 statement credit
Good Credit
Pros
- No membership fees
- High rewards rate
- 10,000 miles + $50 statement credit initial rewards bonus
- Reports to the three major credit bureaus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn 1 AAdvantage® mile for every $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
Additional Info
Citibank Credit Card Reviews
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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 right now.
Citibank Annual Fees
What's the easiest Citi card to get?
The easiest Citi card to get is the Citi® Secured Mastercard® because it is the only one 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 build credit history with monthly reporting to all three major credit bureaus (TransUnion, Equifax and Experian).
More info regarding Citi credit cards score requirement
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 or 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. The Best Buy® Store Card and the Shell Gas Card, for instance, are among the many store cards that also have a full-fledged co-branded version on either the Visa or Shell Credit Card network, which can be used anywhere the network is accepted. Those cards aren't as easy to get as the store versions, as they require at least good credit.
Here are some of the easiest Citi cards to get:
The Citi Secured is open to applicants with limited credit (less than 3 years of credit history). It has a $0 annual fee.
The Best Buy Store Card requires fair credit or better (a credit score of 640+). It has a $0 annual fee. Earns 2.5 points per $1 spent on Best Buy purchases.
To get the Shell Gas Card, you need fair credit or better (a credit score of 640+). It has a $0 annual fee. Offers savings: 30¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2023, after that 10¢ per gallon (up to 20 gallons) every time you fill up, 10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year).
The Sears Store Card requires fair credit or better (a credit score of 640+). It has a $0 annual fee.
The easiest Citi cards to get come with limitations. They offer low minimum credit limits, high interest rates and few rewards and benefits. And 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 annual fees as low as $0. And they report to the three major credit bureaus. So, if you use them responsibly, you'll be able to build or rebuild your credit and 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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