Compare Citibank credit cards for their low fees, low rates, rewards and frequent flyer miles
Citi offers balance transfer credit cards, low rate and low fee credit cards, cashback and rewards credit cards as well as travel credit cards.
You can compare Citibank credit cards by visiting all of these cards below.
Citibank recognized awards
- In 2015, the global financial markets magazine Euromoney named Citi “Best Global Bank” at its annual awards ceremony. Euromoney also awarded Citi in 2016, naming it “World’s Best Bank for Transaction Services.” It received recognition from Global Finance, Treasury Today and FinTech Innovation Awards.
Types of Citibank credit cards
Citi offers more cards than most providers, and because it’s so big, so they probably have something for you. When shopping for a credit card, it’s important that you look at all of your options before making a decision. The annual fee, interest rates for purchases, balance transfers, cash advances and perks associated with each card are the main things to consider. Citi offers cards in every category, including cards for students, so find a category that suits your needs and learn more about the cards offered there.
- Balance transfer credit cards. For those looking to transfer a balance, Citi gives you options for 0% interest for an introductory period on those transfers. Cards to consider in this category are the Citi® Diamond Preferred® Card, Citi Simplicity® Card, and the Citi® Double Cash Card. The period for 0% interest varies between 18 and 21 months with these cards.
- Low rate credit cards. Like other major banks, the credit cards offered by Citi have a range for their APR (annual percentage rate) that’s based on your creditworthiness. This rate is mostly between 13.24% to 23.24%. There are a few cards that have 0% introductory rates, like the Simplicity and Thank You Preferred cards. Outside of these cards, the interest rate doesn’t change too much between the types of cards. Focus on other deciding factors such as annual fee, foreign transaction fees and rewards to make your decision.
- Low fee credit cards. A large percentage of Citi credit cards do not feature annual fees. Most cards with fees have a similar card available with no annual fee. The drawback being that you’ll get less rewards. For example, airline cards can have a fee of up to $450 per year, but as long as you use your card, the miles you earn may equal a free flight. Check the other aspects of the card when comparing low fee cards like the Simplicity, Thank You Preferred, and Expedia+.
- Rewards credit cards. Hilton, Expedia, AT&T, and Costco all have rewards cards through Citi, and these cards offer various rewards for cardholders. The Costco card has no annual fee with a paid Costco membership. Each purchase earns cashback, with more earning power on Costco purchases. The Expedia+ cards (one with no annual fee and one with $95 annual fee) are great for people who make frequent travel purchases like hotels and flights on Expedia. You’ll earn points on the site and on your card. The Thank You cards offer a point system as well, and if you are a frequent shopper, you can earn points relatively quickly with these cards, the majority of which do not have an annual fee.
- Frequent flyer credit cards. Citi offers frequent flyer cards in partnership with American Airlines. These cards have tiered annual fees and rewards. They give you good bonus miles for your purchases and also unlock priority boarding, first bag free and access to discounted beverages and food on select flights. These rewards can really make a difference for those who are in the air a lot, but for others, the fees don’t translate to rewards as quickly. Be sure to make sure that this type of card will be worth the annual fee. That being said, there are promotions for the first year on most of these cards that waive the first year’s fee.
- Student credit cards. Citi currently lists one student credit card on their main website. This card, the Citi ThankYou Preferred Card for College Students, features an introductory APR of 0% for seven months, making it a little easier to get those dorm room essentials and pay for them in time without earning interest. In addition, Citi offers this card to many students who are new to credit and may not have established a credit history yet. There’s also no annual fee.
Compare Citibank credit cards
The benefits of banking with Citi
- Internet banking. Citi offers award-winning online and mobile banking for its cardholders. You can easily view your statement or make payments from your mobile device or computer.
- Fraud protection. Citi Identity Theft Solutions helps monitor your account and notify you of any suspicious activity.
- Mastercard and Visa. Citi offers cards from both Visa and Mastercard. There are benefits to owning both types of cards outside of those benefits offered by Citi. Mastercard offers an extended warranty service on certain items when they are purchased on the card. They also boast their own fraud prevention services. Visa comes with Auto Rental Collision Damage Waiver, and you can enjoy discounts on entertainment like concerts with their Signature cards. In addition to these benefits, you have more buying power in more places with Visa and Mastercard, as these cards are accepted at millions of locations worldwide.
- Citi Price Rewind. It’s difficult to make sure you’re getting the best available deal when you make a purchase. Citi Price Rewind searches for 60 days to make sure that you didn’t pay more than you had to. If they find a lower price, you can request a refund for the difference.
- FICO Scores and account protection. Account holders can have free access to their FICO credit scores. You can monitor your credit right from your account.
How to apply for a Citi credit card
Each card has its own eligibility requirements, so be sure to check the requirements before completing the application.
Information needed for a Citi credit card application
Make sure you have the following information about you and your finances available to help you complete the Citi credit card application.
- Driver’s licence.
- Social Security number.
- Contact information
- Financial details. You’ll be asked to provide information about your employer and your financial situation (income and expenses).
Bottom line
There are lots of options when it comes to Citibank credit cards. Compare credit cards and assess your needs. Take into consideration your financial situation before opening a new credit card.
Frequently Asked Questions
Does Citi use mobile banking?
Yes, visit Citi.com on your mobile browser and log on. You can access your accounts from your phone anywhere, anytime.
Does Citi have an app?
Yes, and it’s free. You can download the Citi Mobile App from the Android and iTunes stores.
Is the Citi website secure?
Citi uses 128-Bit SSL Encryption. You can validate the security of the site by checking to make sure the address bar is green. Citi also employs additional verification questions when you perform sensitive banking transactions like transfers. While on the Citi website, you will timeout if you stay on a page too long as well.
Can I receive an electronic version of my Citi credit card statement online?
Yes, when you get your card, you will receive directions on how to sign up for paperless statements.
How do I get a PIN?
Citi automatically assigns a PIN to your account when you are approved for a Citi credit card. You will receive your PIN by mail after you receive your new Citi credit card.
How is interest calculated on my Citi credit card?
If you’re carrying a balance on your Citi credit card, interest is calculated on a daily basis and charged monthly.
What is my monthly credit card statement?
A monthly statement details your credit card activity for the month. Your Citi credit card statement will show the amount you have purchased, the transaction history, the payments made, and whether you have earned any rewards for the previous month’s purchases. You can sign up for paperless statements or choose to receive paper statements from Citi.
What is my minimum monthly payment?
The minimum monthly payment is usually a percentage of your total outstanding balance. This amount is required to be paid back by the due date each month.
