Citi Credit Cards
WalletHub makes it easy to find the best Citi credit card for you.
… show more
show less
Best Citi Credit Cards
- Citi® Double Cash Card – 18 month BT offer: Best for Cash Back
- Citi® Diamond Preferred® Card: Best for 0% Intro Rates
- Citi® Secured Mastercard®: Best for Limited Credit
- Citi Rewards+® Card: Best for Gas & Groceries
- Costco Anywhere Visa® Card by Citi: Best for Travel & Dining
- Staples® Credit Card: Best for Fair Credit
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card

- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, 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 3% 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.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- 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 TheCiti® Diamond Preferred® Card
Citi® Double Cash Card – 18 month BT offer Citi® Double Cash Card – 18 month BT offer

- 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.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
Citi Premier® Card Citi Premier® Card

- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- NEW! Earn 3 Points at Restaurants and Supermarkets
- Earn 3 Points at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- NEW! 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
- No Foreign Transaction Fees on purchases
- See More Details & Reviews About TheCiti Premier® Card
Citi Rewards+® Card Citi Rewards+® Card

- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com.
- 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.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti Rewards+® Card
American Airlines AAdvantage MileUp℠ Card American Airlines AAdvantage MileUp℠ Card

- 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
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
- No Annual Fee
- The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheAmerican Airlines AAdvantage MileUp℠ Card
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

- Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- No Foreign Transaction Fees
- The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® / AAdvantage® Platinum Select® World Elite Mastercard®
Costco Anywhere Visa® Card by Citi Costco Anywhere Visa® Card by Citi

- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas 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
- *No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCostco Anywhere Visa® Card by Citi
Citi® / AAdvantage® Executive World Elite Mastercard® Citi® / AAdvantage® Executive World Elite Mastercard®

- 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 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other 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
- No Foreign Transaction Fees on purchases
- The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® / AAdvantage® Executive World Elite Mastercard®
Citi® Secured Mastercard® Citi® Secured Mastercard®

- 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 22.49%. Citi Flex Plan offers are made available at Citi’s discretion.
- See More Details & Reviews About TheCiti® Secured Mastercard®
Best Buy® Store Card Best Buy® Store Card

- Get 5 points per $1 spent (10% back in rewards) on your first day of purchases made on the credit card within 14 days of account opening.
- Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit.
- Get 3 points (6% back in rewards) by spending at least $3,500 in purchases in a calendar year.
- Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
- Enjoy exclusive discounts and events and free shipping on purchases $35 and up.
- Deferred Interest Details: No Interest if paid in full within 12 months on storewide purchases of at least $299.
- Deferred Interest Details: No Interest if paid in full within 24 months on unlocked phones and Geek Squad® purchases of $649 or more.
- Deferred Interest Details: No Interest if paid in full within 24 months on select exercise equipment and Geek Squad® purchases of $799 and up.
- Deferred Interest Details: No interest if paid in full within 24 months on home theater and Geek Squad® purchases totaling $999 and up.
- Deferred Interest Details: No interest if paid in full within 18 months on appliance and Geek Squad® purchases totaling $599 and up.
- Extended purchasing plans – 0% - 11.99% APR for 24 months, 8.99% - 12.99% APR for 36 months or 11.90% APR for 48 months on select purchases eligible for the reduced rate credit plan.
- See More Details & Reviews About TheBest Buy® Store Card
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}
Best Citi Credit Cards of January 2021

But not everyone is looking for the same thing in a credit card account. So it’s good there are several great Citi credit cards to consider. For example, the Citi Simplicity® Card - No Late Fees Ever gives 0% intro APR on transferred debt for 18 months. And the Citi® Secured Mastercard® offers a $0 annual fee to people with limited credit. How do we know? WalletHub compared the Citibank credit cards in our database of 1,000+ offers to find the best of the bunch. You can check out our editors’ picks below.
Best Citi Credit Cards
Credit Card | Best For | Credit Needed | Annual Fee |
Citi Rewards+® Card | Gas & Groceries | Excellent | $0 |
Citi Simplicity® Card - No Late Fees Ever | Balance Transfer | Excellent | $0 |
Citi® Double Cash Card – 18 month BT offer | Cash Back | Excellent | $0 |
Costco Anywhere Visa® Card by Citi | Travel & Dining | Excellent | $0 |
Staples® Credit Card | Fair Credit | Fair | $0 |
Citi® Secured Mastercard® | Limited Credit | Limited History | $0 |
You need to know your credit score if you want to find the best Citibank credit card for your needs. So if you aren’t sure where you stand, make sure to check your latest credit score for free on WalletHub. And to confirm you’re getting a great deal, check out the best credit cards from other issuers.
Questions & Answers
Comparing citi credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
Searching for answers...No Matching Results
How do I check my Citi credit card application status? Reply
When do you need to set a Citi travel notification? Reply
What credit score do you need for a Citi credit card? Reply
What credit score do you need for Citi Double Cash? Reply
What is the credit limit on a Citi Diamond Preferred card? Reply
Featured Credit Cards
Ask the Experts
- Why would a credit card company offer 1% cash back on purchases and 1% cash back when cardholders pay the balances resulting from those purchases, rather than just 2% cash back at either point?
- What are the benefits and drawbacks of a credit card advertising “no late fees ever”?
- Citi now has the Costco credit card account, which used to be with American Express; what does that mean for the two companies as well as for consumers?
-
Scott J. Kolman
Lecturer, San Diego State University
Read More
-
Brian Wolfe
Assistant Professor of Finance, School of Management, University at Buffalo
Read More
-
Todd Arnold
Raymond A. Young Chair and Professor of Marketing, Director, Center for Customer Interface Excellence, Spears School of Business, Oklahoma State University
Read More
-
Boris Vallee
Assistant Professor of Finance, Harvard Business School
Read More
-
Paolina C. Medina
Assistant Professor of Finance, Mays Business School, Texas A&M University
Read More
-
Jeff W. Totten
D.B.A., P.C.M., Associate Professor of Marketing, MBA Program Director, McNeese State University
Read More
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.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.