Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Citibank rewards programs

Use your card on the purchases that'll earn you the most rewards.


Fact checked
There are five types of rewards credit cards from Citibank, a advertising partner. They offer perks such as cash back, round-trip flights and statement credits toward Costco purchases. Finding the right program to match your lifestyle will help you rack up points and earn the rewards you want.

How does a Citi rewards program work?

As you purchase items with your credit card, you accumulate points that can later be exchanged for rewards such as flights, gift cards and cash. If you have multiple Citibank rewards credit cards, remember to use them on the purchases where they earn the most rewards.

What are the types of Citi rewards programs?

  • Citi ThankYou rewards
    This program lets you earn points on everyday spending and is redeemable for a large catalog of rewards, from travel rewards and gift cards to cash and mortgage payments. With five ThankYou card options, you’re likely to find a fit here.
  • American Airlines AAdvantage
    This program earns you AAdvantage miles, which can be redeemed on travel with American Airlines or American Eagle, as well as at over 10,000 hotels and car rental companies in 320 locations. There are four American Airlines AAdvantage cards to choose from.
  • Citi cash back program
    This program gives you cash back on all purchases. Get the most out of your experience by picking one of the three available cash back cards that best fits your shopping habits. But keep in mind, you can only redeem the Costco cards’ cash back at Costco locations.
  • Other rewards credit cards
    Citibank used to offer more rewards credit cards, but now you can only get the Expedia card. With this card, you can earn Expedia Rewards points, which you can redeem toward travel rewards.

How to compare rewards programs

While it may seem like all Citibank rewards cards offer the same benefits, there are other important factors to consider before making your decision. Try focusing on the following points:

  • Interest rates. Double-check that you’re able to manage the interest rates if you fail to pay your balance in full. Rewards cards won’t be much fun if you nullify them with interest payments.
  • How points are earned. Take a look at what types of purchases can earn you points and assess whether or not they match your lifestyle.
  • What’s the annual fee? If you’re not spending or earning points, ask yourself if the annual fee is worth it. You don’t want fees to overshadow rewards.

Pros and Cons of the Citi rewards programs

As with any program, there are benefits and drawbacks to the Citi rewards programs. Keep in mind, however, that they largely depend on the card you choose.


  • No points cap with most Citibank rewards cards. Without a limit or expiration date on points, you’ve got greater earning potential and can save longer.
  • Redeem points for gift cards. You can do this at a wide range of stores such as Starbucks, Banana Republic and Bed Bath & Beyond.
  • Access to premium perks. The ultimate Citi rewards credit cards come with premium perks such as priority boarding, Admiral’s Club membership, complimentary hotel stays and travel credit.


  • High APR and annual fee. Rewards cards often come with high APRs. And if you want the premium perks, expect to pay a premium annual fee.

Our pick for a Citi rewards card

Citi® Double Cash Card

  • 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.
Read less
Read more

Compare Citibank® credit cards

Data indicated here is updated regularly
Name Product Filter values Rewards Purchase APR Annual fee
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 13.49% to 23.49% variable)
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
CardMatch™ from
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.

Compare up to 4 providers

Bottom line

To get the best value out of a Citi reward credit card, choose a card that fits your lifestyle and budget. Some cards reward big spenders, while others are more suited for everyday shopping.

Before applying for a card, compare all credit card options until you find an offer that matches your needs.

Frequently asked questions

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

2 Responses

  1. Default Gravatar
    JanineNovember 29, 2018

    How can I redeem my points?

    • Avatarfinder Customer Care
      nikkiangcoDecember 5, 2018Staff

      Hi Janine,

      Thanks for reaching out! To redeem your Citibank Rewards, you must log-in on your account at the Citibank website. Once logged in it will show how much points you’ve accumulated and what you can redeem with your rewards. Hope this help!


Go to site