Compare Citibank® credit cards | finder.com

Compare Citibank® credit cards

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

This bank offers many attractive cards, including travel, cashback and balance transfer products.

Citibank is one of the largest credit card issuers in the United States, offering a variety of strong products. Take a look at this provider if you want a great cashback or balance transfer card.

Compare Citibank® credit cards

Updated October 23rd, 2018
Name Product Credit Score Min. Annual Fee Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
720
0%
1
Unsecured
$0
15.24% to 25.24% variable
0% for the first 18 months (then 15.24% to 25.24% variable)
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
680
0%
1
Unsecured
15.49% to 25.49% variable
0% for the first 15 months (then 15.49% to 25.49% variable)
Enjoy our low intro APR for 15 months on purchases and balance transfers.
680
Secured
$0
24.49% variable
Start building credit for tomorrow with a secured credit card.
2
Unsecured
$0
15.74% to 24.74% variable
Get rewarded for purchases you're already making with the AT&T Access Card, a top rewards credit card from Citi. Apply for the AT&T credit card today and start earning ThankYou® Points redeemable for gift cards, travel rewards electronics and much more.
720
0%
Unsecured
$0
15.99% to 25.99% variable
0% for the first 21 months (then 15.99% to 25.99% variable)
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
720
1
Unsecured
$0
16.99% variable
Earn Costco cash rewards everywhere Visa® is accepted.
720
450
1
Unsecured
$450
17.79% to 25.74% variable
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
720
99
1
Unsecured
$0 annual fee for the first year ($99 thereafter)
17.99% to 25.99% variable
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first REWARDS.BONUS_POINTS_TIMEFRAME months.
690
1
Unsecured
$0
16.49% to 26.49% variable
Earn 2,500 bonus points after spending $500 within the first 3 months of account opening.
720
95
1
Unsecured
$0 annual fee for the first year ($95 thereafter)
16.49% to 25.49% variable
Enjoy Great Rewards and Earn ThankYou® Points on Dining, Entertainment, Travel and more

Compare up to 4 providers

Best Citibank credit cards

Citibank offers almost 20 credit cards, most of them travel products. It also offers an attractive cashback card and two best-in-class balance transfer cards.

Jump to …

Best for cash back: Citi® Double Cash Card

The Citi® Double Cash Card is a no-annual-fee favorite. With a flat cashback rate on all purchases and a bonus amount added as you pay them off, you’ll find simple and strong rewards.

Citibank occasionally offers an intro APR on balance transfers. When it does, you’ll typically find an impressive promotion.


Best for travel: Citi Premier℠ Card

Citibank offers a few general travel cards, including the Citi® ThankYou® Preferred Card and the premium Citi Prestige® Card.

The Citi® ThankYou® Preferred Card costs $95 a year starting the second year. For most, it’s the option that’s just right. Points give you lots of flexibility, as you can redeem them for a variety of travel rewards. And if you redeem them through the ThankYou® Travel Center, they’re worth 25% more.

If you’re a frequent American Airlines flyer, you might like one of Citibank’s co-branded airline cards, such as the Citi® / AAdvantage® Executive World Elite™ Mastercard®.


Best for everyday purchases: Costco Anywhere Visa® Card by Citi

An excellent all-around cashback product. Give it serious consideration if you spend heavily on gas, dining, travel or Costco purchases.


Best for balance transfers: Citi Simplicity® Card

This is a simple card with no annual fee that offers an excellent intro APR on both purchases and balance transfers. If you want to get rid of debt you’ve accumulated from other credit cards, this could be the Citibank card for you.

Best secured credit card: Citi® Secured Mastercard®

This is Citi’s only secured credit card. It’s not the best secured card you’ll find, but it’s a good choice if you want a product from a reputable provider.


Citibank rewards program

For its non-co-branded rewards cards, Citibank offers either cash back or ThankYou® Points.

If you earn cash back, you can redeem your rewards when your cash rewards balance is $25 or more. You can redeem cash back through these methods:

  • Check.
  • Statement credit to your card account.
  • Credit to your linked Citi savings or checking account.
  • Credit to a checking account that you’ve used to pay a Citi credit card bill at least twice.

If your card gives ThankYou® Points, you can redeem them for a variety of rewards, including:

  • Gift cards.
  • Merchandise.
  • Travel.
  • Points transfers.
  • Cash back.
  • Statement credit.
  • Donations to charity.

How can you redeem rewards?

To redeem rewards, go to the ThankYou® from Citi website and log in to your credit card account.

How much are rewards worth?

Citibank points are usually worth a maximum of 1 point = 1 cent, which is the industry average. Usually, you’ll get this rate if you redeem points for flights or gift cards. If you redeem them for other rewards, you might receive a lower rate.

Typical features and benefits of a Citibank card

  • Rewards. Most Citibank products offer rewards. Exceptions include balance transfer cards and the bank’s secured credit card.
  • No annual fee or waived first-year fee. Several Citibank cards offer no annual fee. If you want a powerful travel card but aren’t sure you want to pay an annual fee, try a card that waives the fee for the first year.
  • Ongoing APR between 15% and 25% variable. With strong credit, you may qualify for an ongoing APR near the bottom of this range. With weaker credit, you may get a relatively high APR around 25% variable.
  • No foreign transaction fees. Many Citibank cards are travel products and don’t charge foreign transaction fees, which makes them great companions when traveling abroad.
  • Signup bonus. Many Citibank cards offer signup bonuses. Exceptions include products like the Citi® Double Cash Card and the bank’s balance transfer cards.

How to apply for a Citibank card

Go to the Citibank website and click Apply Now. Before you apply, check that you meet the eligibility requirements and have the required information on hand.

Eligibility criteria

  • You’re at least 18 years old.

Information you’ll need

To complete the application, you’ll need to provide information that includes:

  • Your name and residential address.
  • Your Social Security number.
  • Your email address, phone number and date of birth.
  • Financial information like your annual income and income source.

How does Citibank keep my credit card information secure?

Citibank uses advanced technology to keep your information safe online and on mobile. It deploys 128-bit SSL encryption to secure the information you transmit, as well as an SSL certificate that helps you confirm you’re on the correct website. Additionally, the bank uses two-step verification if it needs to confirm your identity.

Through the Quick Lock feature, you can lock your card if you misplace it. Just use the Citi Mobile App or log in to your account on the Citibank website.

The bank also offers $0 liability protection on unauthorized transactions. It attempts to stop fraud before it happens through 24/7 monitoring and suspicious-activity alerts through phone, text, email or mail.

Bottom line

Travel cards are Citibank’s bread and butter, but the provider offers a superb cashback product and top-notch balance transfer cards.

If you’re not sure whether a Citibank product is right for you, check out other credit card providers to compare more options.

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com 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

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

2 Responses

  1. Default Gravatar
    CheryleeJune 21, 2018

    Is my 16 year old eligible to apply for a credit card with or without me as a consignor?

    • finder Customer Care
      JoanneJune 22, 2018Staff

      Hi Cherylee,

      Thanks for reaching out.

      Legally, no one can get a credit card on their own unless they’re at least 18 years old. Anyone under 18 can only be an authorized user on someone else’s — for example, their parents’ — account. You can go ahead and read further on this guide and check on options for your teen.

      If you are referring to offers from Citi, they have the Citi ThankYou Preferred Card for College Students, in which the minimum age requirement is for the applicant to be at least 18 years of age and is currently an enrolled college student.

      Best Regards,
      Joanne

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Go to site