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Best Citibank Mastercard Credit Cards
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Citi® Secured Mastercard® Citi® Secured Mastercard®
Secured Card
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Min Deposit of $200
One-Time Fees
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$0
Regular APR
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23.99% (V)
WalletHub's Take
The Citi Secured Mastercard is a good secured credit card for people who are new to credit because it has a $0 annual fee and requires a refundable security deposit of just $200. Those features make it easy to get approved and begin building credit inexpensively.
Read our editor's full Citi Secured review.
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 23.99%. Citi Flex Plan offers are made available at Citi's discretion.
Citi® Double Cash Card – 18 month BT offer Citi® Double Cash Card – 18 month BT offer
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
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15.49% - 25.49% (V)
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 a good credit score or better. The Citi Double Cash Card has a $0 annual fee and gives a total of 2% cash back in rewards on all purchases. Cardholders earn 1% cash back in rewards on purchases, plus another 1% cash back when paying off the resulting balance. Double Cash is nearly twice as rewarding as the average cash rewards credit card as a result.
Read our editor's full Citi Double Cash Card review.
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 15.49% - 25.49%, 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 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi Custom Cash℠ Card Citi Custom Cash℠ Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 5% (min $5)
Regular APR
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15.49% - 25.49% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take
The Citi Custom Cash℠ Card is a good credit card for people with a 700+ credit score who want to automatically earn an above-average rewards rate in their biggest spending category each month. Citi Custom Cash is most worthwhile for relatively light spenders, as its 5% rewards rate only lasts up to $500 spent per billing cycle.
Read our editor's full Citi Custom Cash review.
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 15.49% - 25.49%, based on your creditworthiness.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 21 monthsTransfer Fee: 5% (min $5)
Regular APR
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15.24% - 25.24% (V)
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 new 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, to go along with a balance transfer fee of 5% (min $5).
Read our editor's full Citi Diamond Preferred review.
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 15.24% - 25.24%, 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 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi Simplicity® Card Citi Simplicity® Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 21 monthsTransfer Fee: 5% (min $5)
Regular APR
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16.24% - 26.24% (V)
WalletHub's Take
The Citi Simplicity Card is a very good 0% APR credit card. Citi Simplicity is worthwhile because it has a $0 annual fee and offers introductory rates of 0% for 21 months on balance transfers and 0% for 12 months on new purchases. But Simplicity isn’t for everyone. You need good credit to qualify. And a 5% (min $5) balance transfer fee complicates its long interest-free period.
Read our editor's full Citi Simplicity Card review.
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 16.24% - 26.24%, 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 16.24% - 26.24%, 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
Citi Premier® Card Citi Premier® Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.49% - 25.49% (V)
Annual Fee
$95
Rewards Rate
1 - 3 points / $1
Minimum Credit
Good
WalletHub's Take
With an initial bonus worth up to $800 and bonus points in several major spending categories, rewards-seekers with good credit will find a lot to like in the Citi Premier® Card.
Read our editor's full Citi Premier review.
Pros
- 80,000 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
- For a limited time, earn 80,000 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
- 80,000 Points are redeemable for $800 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
Citi Rewards+® Card Citi Rewards+® Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
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14.99% - 24.99% (V)
Annual Fee
$0
Rewards Rate
1 - 5 points / $1
Minimum Credit
Good
WalletHub's Take
The Citi Rewards+® Card is a good everyday rewards credit card for people with good credit or better whose biggest expenses include gas and groceries. The Citi Rewards+ Card has a $0 annual fee and gives 2 points per $1 spent, on up to $6,000 per year, at supermarkets and gas stations. Plus, for a limited time, the first $6,000 you spend on air travel and hotels in the first year yield 5 points per $1 spent. All other purchases produce 1 point per $1 spent. Cardholders who make $1,500 in purchases within 3 months of opening an account also get a sign-up bonus of 20,000 points, worth $200 in gift cards at thankyou.com.
Read our editor's full Citi Rewards+ Card review.
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 14.99% - 24.99%, 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 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Citi® / AAdvantage® Executive World Elite Mastercard® Citi® / AAdvantage® Executive World Elite Mastercard®
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.49% - 26.49% (V)
Annual Fee
$450
Rewards Rate
1 - 2 miles / $1
Minimum Credit
Good
WalletHub's Take
Frequent American Airlines flyers with good credit or better who spend a lot of time in airports may want to consider the Citi® / AAdvantage® Executive World Elite Mastercard®. The Citi AAdvantage Executive Card’s best feature is an Admiral’s Club airport lounge membership that would otherwise cost at least $500 per year. But that perk is far from free and does not alone make the card worthwhile.
Read our editor's full Citi AAdvantage Executive Card review.
Pros
- High rewards rate
- 50,000 miles initial rewards bonus
- No foreign fee
- Reports to the three major credit bureaus
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 spending $5,000 in purchases 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 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible 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
- The standard variable APR for Citi Flex Plan is 17.49% - 26.49% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
American Airlines AAdvantage MileUp℠ Card American Airlines AAdvantage MileUp℠ Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.49% - 26.49% (V)
Annual Fee
$0
Rewards Rate
1 - 2 miles / $1
Minimum Credit
Good
WalletHub's Take
The American Airlines AAdvantage MileUp℠ Card is a no-annual-fee airline miles credit card for people with good credit or better whose biggest spending categories include airfare and groceries. It’s also not going to be your best option, even if you’re a frequent flyer who’s loyal to American Airlines. There are just too many other credit cards with better rewards on travel and groceries, many of which are much easier to get.
Read our editor's full AAdvantage MileUp Card review.
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 mile earned from purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
Additional Info
- No Annual Fee
- The standard variable APR for Citi Flex Plan is 17.49% - 26.49% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
NO FOREIGN FEE
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What is the best Citi Mastercard credit card?
The best Citi Mastercard is the Citi® Double Cash Card – 18 month BT offer because it gives 2% cash back on all purchases and has a $0 annual fee. The Citi Double Cash Mastercard even has an intro offer of 0% for 18 months on balance transfers. The card’s low cost and lucrative, straightforward rewards make it perfect for everyday use or as a trusty backup payment option. Those are all reasons why WalletHub’s editors give Citi Double Cash a rating of 5/5.
Some people might save more with other Citi Mastercard offers, though. It all depends on your spending and payment habits. To help you make an informed decision, WalletHub’s editors compared all of the Citi credit cards on the Mastercard network in our database of 1,000+ credit card offers. We then picked the best offers in the most popular credit card categories.
Best Citibank Mastercard Credit Cards of 2022:
| Citi Mastercard | Best For | Annual Fee | Editor’s Rating |
| Citi® Double Cash Card – 18 month BT offer | Cash Back & No Annual Fee | $0 | 5/5 |
| Citi Premier® Card | Bonus Rewards Points | $95 | 4.6/5 |
| Citi® / AAdvantage® Executive World Elite Mastercard® | Lounge Access | $450 | 1.5/5 |
| Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | Miles & No Foreign Transaction Fee | $0 intro 1st yr, $99 after | 4.4/5 |
| CitiBusiness® / AAdvantage® Platinum Select® Mastercard® | Business | $0 intro 1st yr, $99 after | 4/5 |
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Questions & Answers
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