Our pick for a Citibank card: Citi® Double Cash Card
Up to 2%
Cash back
- An excellent choice for cash back and balance transfers
- Market-leading 2% back (1% after buying, 1% after paying)
- No annual fee
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Compare Citibank credit cards
You can find great travel, cashback and balance transfer products.
Updated . What changed?
Citibank — a finder.com advertising partner — 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.
The information about Costco Anywhere Visa® Business Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
The information about AT&T Access Card from Citi has been collected independently by Finder and and has not been reviewed or provided by the issuer.
Best of 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.
Quick look at Citibank credit cards
- Citi Simplicity® Card: Best for balance transfers
- Citi® Secured Mastercard®: Best secured credit card
- Citi® Double Cash Card: Best for cash back
- Citi Premierâ„ Card: Best for travel
- Costco Anywhere Visa® Card by Citi: Best for everyday purchases
- Citi Prestige® Credit Card: Best for premium travel
- Citi Rewards+â„ Card: Best for rewards rounding
- Citi Rewards+â„ Student Card: Best for students
Best for balance transfers
Citi Simplicity® Card
670
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
n/a
Rewards
Rewards
n/a
Welcome offer
Welcome offer
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.
- Intro APR for purchases and balance transfers. Get a 0% intro APR on balance transfers for an impressive 18 months after account opening, then 14.74% to 24.74% variable after that. You'll also get a 0% intro APR on purchases for 18 months following your account opening. After the intro period passes, your rate reverts to an APR between 14.74% to 24.74% variable.
- No penalty APR. With most other credit cards, paying late means you'll pay a fee of up to $49, plus a penalty APR of up to 30% for 12 months or more. Not so with this card, all late fees are waived, and you won't get hit with a penalty APR.
- No late fees. You will never be charged a late fee with the Citi Simplicity® Card. It is an uncommon, and very welcome, benefit.
- No rewards. The card is excellent for saving money on interest, but you won't earn any rewards on your purchases.
- No signup bonus. There's no bonus to earn upon signup.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 18 months (then 14.74% to 24.74% variable) |
| Balance transfer APR | 0% intro for the first 18 months (then 14.74% to 24.74% variable) |
| Welcome offer | N/A |
| Rewards | N/A |
The information about Citi Simplicity® Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
Best secured credit card
Citi® Secured Mastercard®
580
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
n/a
Rewards
Rewards
n/a
Welcome offer
Welcome offer
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.
- Annual fee: None.
- $200 minimum security deposit. Other secured cards might require higher security deposits.
- Build your credit. Citi will report your card activity to all three major credit bureaus: TransUnion, Equifax and Experian. With responsible use, you can build your credit.
- Deposit lockdown. Citi will keep your deposit for at least 18 months or unless Citi deems your account eligible and returns your deposit earlier than that.
- No rewards program. You won't earn any rewards on your purchases. This isn't surprising, considering it's a secured card. But it is possible to find other secured cards that do reward you for your purchases.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 22.49% variable |
| Balance transfer APR | 22.49% variable |
| Welcome offer | N/A |
| Rewards | N/A |
The information about Citi® Secured Mastercard® has been collected independently by Finder and has not been reviewed or provided by the issuer.
Best for cash back
Citi® Double Cash Card
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
2%
Cash back
Cash back
n/a
Welcome offer
Welcome offer
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.
- Intro APR: 0% on balance transfers for 18 months after account opening. After that, your balance transfer APR will be 13.99% to 23.99% variable.
- Rewards: Superb cash back. Earn Up to 2% cash back on purchases (1% when you buy plus 1% as you pay).
- First late fee waived.
- No intro APR period on purchases. You don't get to save money with a 0% intro APR period on purchases.
- No signup bonus. There's no bonus to earn when you signup for the card.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 13.99% to 23.99% variable |
| Balance transfer APR | 0% intro for the first 18 months (then 13.99% to 23.99% variable) |
| Welcome offer | N/A |
| Rewards | Up to 2% cash back on purchases (1% when you buy plus 1% as you pay) |
Best for general travel
Citi Premierâ„ Card
740
Min. credit score
Min. credit score
$95
ongoing
Annual fee
Annual fee
Up to
3x
Points
Points
60,000
Points welcome offer
Points welcome offer
The Citi Premierâ„ 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.
- Signup bonus: 60,000 bonus ThankYou Points. To earn them, spend $4,000 in purchases within the first three months of opening your account. These points are worth $750 in airfare when you redeem them through the ThankYou Travel Center.
- Rewards: Best for travel. Earn 3x points on travel, which includes gas, airfare, hotels, public transportation and more. Earn 2x points on dining and entertainment. And earn 1x points on all other purchases.
- Points transfers. Transfer your points to airline and hotel loyalty programs such as TrueBlue and Singapore Airlines KrisFlyer.
- Annual fee. Enjoy an intro annual fee for the first year. Starting the second year, however, you'll pay an annual fee of $95.
- No intro APR period. With this card, you won't get a 0% intro APR period on purchases or balance transfers.
| Annual Fee | $0 intro annual fee for the first year ($95 thereafter) |
|---|---|
| Purchase APR | 15.99% to 23.99% variable |
| Balance transfer APR | 15.99% to 23.99% variable |
| Welcome offer | 60,000 points after spending $4,000 in the first 3 months |
| Rewards | 3x points on travel and gas, 2x points on dining and entertainment and 1x points on everything else |
The information about Citi Premierâ„ Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
Best for everyday purchases
Costco Anywhere Visa® Card by Citi
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
4%
Cash back
Cash back
n/a
Welcome offer
Welcome offer
An excellent all-around cashback product. Give it serious consideration if you spend heavily on gas, dining, travel or Costco purchases.
- Annual fee: None with your paid Costco membership.
- Rewards: Great cash back for several categories. Earn 4% cash back on your first $7,000 in eligible gas purchases (then 1%), 3% back on restaurant and travel purchases, 2% back on Costco and Costco.com purchases and 1% back on all other purchases.
- No foreign transaction fees. Use this card freely online with foreign merchants or abroad and you won't pay any foreign transaction fees.
- Limited reward redemption. You can only redeem your rewards once every year.
- No intro APR period. There's no 0% intro APR period on purchases or balance transfer, or a 0% deferred interest on Costco purchases.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 15.24% variable |
| Balance transfer APR | 15.24% variable |
| Welcome offer | N/A |
| Rewards | 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 |
The information about Costco Anywhere Visa® Card by Citi has been collected independently by Finder and and has not been reviewed or provided by the issuer.
Best for premium travel
Citi Prestige® Credit Card
670
Min. credit score
Min. credit score
$495
Annual fee
Annual fee
Up to
5x
Points
Points
$500
Points welcome offer
Points welcome offer
The information about Citi Prestige® Credit Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
Best for rewards rounding
Citi Rewards+â„ Card
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
2x
Points
Points
15,000
Points welcome offer
Points welcome offer
This card can be a top-notch choice if you frequently make small purchases. That’s because your rewards will be rounded up to the nearest 10 points on every purchase.
- Rewards: Best for gas and groceries. Earn 2x points at gas stations and supermarkets. This applies to the first $6,000 in qualifying purchases per calendar year, after which you will earn 1x points.
- Rounding gets you more points. Your points will be rounded up to the nearest 10 points on every purchase.
- A good intro APR. Get a 0% intro APR on purchases and balance transfers for the first 15 months after account opening, then 13.49% to 23.49% variable.
- Foreign transaction fees. Because of the 3% foreign transaction fee, this may not be a good card to us with foreign merchants abroad or online.
- Penalty APR. If you miss a payment, Citi may impose a penalty APR of up to 29.99% variable.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 15 months (then 13.49% to 23.49% variable) |
| Balance transfer APR | 0% intro for the first 15 months (then 13.49% to 23.49% variable) |
| Welcome offer | Earn 15,000 points after spending $1,000 in the first 3 months |
| Rewards | Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases |
Best for students
Citi Rewards+â„ Student Card
670
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
2x
Points
Points
2,500
Points welcome offer
Points welcome offer
Citi’s student product is a great pick, offering solid rewards on gas and groceries. Students will also benefit from the rewards rounding — the same deal found with the Citi Rewards+â„ Student Card.
- Rewards: Best for gas and groceries. Earn 2x points at gas stations and supermarkets. This applies to the first $6,000 in qualifying purchases per calendar year, after which you will earn 1x points.
- Rounding gets you more points. Your points will be rounded up to the nearest 10 points on every purchase.
- Intro APR. Get a 0% APR on purchases for the first 7 months after account opening, then 14.49% to 24.49% variable.
- No intro APR period on balance transfers. You don't get a 0% intro APR period to make balance transfers.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 7 months (then 14.49% to 24.49% variable) |
| Balance transfer APR | 14.49% to 24.49% variable |
| Welcome offer | 2,500 points after spending $500 in the first 3 months |
| Rewards | 2x points at supermarkets and gas stations for the first $6,000 annually, then 1x after that and on all other purchases |
The information about Citi Rewards+â„ Student Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
How we selected the best Citibank credit cards
We evaluated every Citibank credit card on dimensions such as annual fee, rewards and benefits. We also took into account the primary function of each product. Ultimately, the cards we included in this list offered the most value for their costs, as well as standout features compared to other products from Citi and competing providers.
What’s changed in 2020
Winners from last year remained on this list. We did make room for Citi’s flagship travel card, which offers a unique complimentary-night benefit among a competitive luxury-card landscape.
We also added the Citi Rewards+â„ Card and Citi Rewards+â„ Student Card, both of which offer solid everyday rewards and a great reward-rounding mechanic.
What's in this guide?
Compare Citibank credit cards
Want a side-by-side look at your Citibank card options? Select your credit score below and click “Show cards” to start comparing.
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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 must be 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.
Application restrictions
Citi has an unwritten rule, known as 8/65/95. Here’s what it means:
- After you apply for a Citi credit card on day one, you can apply for a second card eight days later on day nine.
- If you want to apply for a third Citi credit card, wait 65 days from the day of your first credit card application.
- You can now safely apply for the fourth card eight days later on day 74.
The 95 in the 8/65/95 rule is only for business credit cards. It means you have to wait 95 days between business credit card applications.
How many Citi cards can I have?
You can have as many Citi credit cards as you can get an approval for. Just keep an eye on the 8/65/95 rule when you apply.
How to choose the best Citibank credit card
Citi has plenty of great card options, so you might find choosing one a little tough. Here are some questions to ask yourself when mulling over your decision:
- Do you need to perform a balance transfer? Citi boasts three cards with long intro APRs of 18 months on transfers.
- What do you spend on most? You have a few solid reward options available to you, so pick a card that caters to your spending habits. If your spending is more spread out over various categories, the Citi® Double Cash Card is a great flat cash back pick.
- Do you travel much? You have several American Airlines cobranded cards to choose from, each catering to a different kind of traveler. You can also consider the Expedia cards for a more general travel card option.
Types of Citi cards
Cashback credit cards
Despite offering more than 20 credit cards, only three Citi credit cards let you earn cash back. But don’t let this number fool you — these three cards are among the best cashback cards you’ll find.
Typical benefits
- Cash back. One of these cards let you earn unlimited flat cash back on all purchases, while the other two are Costco cobranded credit cards with accelerated cash back on gas purchases.
- No annual fee. You’ll pay no annual fee for this type of Citi card. However, the two Costco cards do require a Costco membership before you apply.
- Intro APR period on balance transfers. Only one of these cards comes with a 0% intro APR period on balance transfers. Compared to similar cashback cards, this is probably the longest interest-free period you’ll find.
Citi cashback credit cards
| Credit cards | Benefits |
|---|---|
| Citi® Double Cash Card |
|
| Costco Anywhere Visa® Card by Citi |
|
| Costco Anywhere Visa® Business Card |
|
ThankYou rewards credit cards
Similar to Amex’s Membership Rewards and Chase Ultimate Rewards programs, Citi offers its own program known as ThankYou rewards. Currently, there are five cards starting from no-annual-fee cards all the way up to a premium card with a $495 annual fee.
Typical benefits
- Variety of redemption options. You can use your ThankYou points to redeem for travel, payments toward school or mortgage loans, gift cards or you can transfer to airline partners. Some of them are Virgin Atlantic, JetBlue, Qantas and Turkish Airlines.
- Combine points. You can use multiple ThankYou cards and then pool your points into one account.
- Variety of card. Depending on your needs, you can get a student credit card, AT&T credit card, a mid-tier credit card or a high-end credit card with premium perks.
- Signup bonus. Each card in this rewards program lets you earn a signup bonus. Of course, the higher the annual fee, the more generous the bonus.
ThankYou rewards credit cards
| Credit cards | Benefits |
|---|---|
| Citi Rewards+â„ Card |
|
| Citi Premierâ„ Card |
|
| Citi Prestige® Credit Card |
|
| Citi Rewards+â„ Student Card |
|
| AT&T Access Card from Citi |
|
Travel credit cards
Citi offers three groups of travel cards — American Airlines cobranded cards, ThankYou rewards cards and Expedia rewards cards. Each group has its own perks and features, which makes them ideal for certain categories of spenders.
Typical benefits
- Variety of credit cards. As mentioned before, you can choose from three credit card groups. Also, each group has no-annual-fee cards and cards with an annual fee.
- Rewards. No matter which card you choose, you get to earn points on your purchases. ThankYou cards offer higher points redemption flexibility, while the other two offer the highest points redemption value when redeemed for flights on American Airlines or bookings at Expedia.
- Signup bonus. All cards in this category come with a signup bonus. If you want to earn the highest bonus, expect to pay an annual fee for the card.
Citi travel credit cards
| Credit cards | Benefits |
|---|---|
| Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® |
|
| American Airlines AAdvantage MileUpâ„ Card |
|
| Citi® / AAdvantage® Executive World Elite™ Mastercard® |
|
| CitiBusiness® / AAdvantage® Platinum Select® Mastercard® |
|
| Expedia® Rewards CARD from Citi |
|
| Expedia Rewards Voyager Card |
|
The information about the Expedia Rewards Voyager Card and Expedia® Rewards CARD from Citi has been collected independently by Finder and and has not been reviewed or provided by the issuer.
0% APR credit cards
Citi may not offer a 0% intro APR period on most of its cards, but on those few that it does — it does it spectacularly.
Typical benefits
- Long 0% intro APR period. The Citi Simplicity® Card and the Citi® Diamond Preferred® Card have long intro APRs on both purchases and balance transfers. The Citi® Double Cash Card has the longest intro APR period on balance transfers for a cashback card.
- No annual fee. None of the cards offering intro APR period have an annual fee. This is ideal because you get to save even more money while you pay off your balance interest-free.
- Rewards. If you’re willing to settle for a shorter intro APR period, you get to earn rewards on your purchases.
Citi 0% APR credit cards
| Credit cards | Benefits |
|---|---|
| Citi Simplicity® Card |
*After that a variable APR of 14.74% to 24.74% applies |
| Citi® Diamond Preferred® Card |
*After that a variable APR of 14.74% to 24.74% applies |
| Citi® Double Cash Card |
*After that a variable APR of 13.99% to 23.99% applies |
Small business credit cards
Unlike other large providers where you get a variety of small business credit cards to choose from, Citibank offers only two.
Typical benefits
- Rewards. Both cards let you earn rewards on your purchases. But one card is better for frequent American Airlines flyers, the other for Costco members who want to earn accelerated rewards on their gas purchases.
- Additional perks. If you get the American Airlines card, you also get free first checked bag with American Airlines, priority boarding and 25% savings on in-flight Wi-Fi.
Small business credit cards
| Credit cards | Benefits |
|---|---|
| Costco Anywhere Visa® Business Card |
|
| CitiBusiness® / AAdvantage® Platinum Select® Mastercard® |
|
Consider Citi if you’re an American Airlines customer
Citi is the go-to-issuer for American Airlines cards, so take a look at these cobranded products if you’re a frequent flyer with the carrier. Here are the cards you’ll find:
- American Airlines AAdvantage MileUpâ„ Card ($0 annual fee). The entry-level American Airlines card, offering 2x miles on American Airlines purchases and at grocery stores. You’ll also find 25% savings on inflight food and beverage purchases.The information about American Airlines AAdvantage MileUpâ„ Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
- Citi® / AAdvantage® Platinum Select® World Eliteâ„¢ Mastercard® ($99 annual fee, waived for the first 12 months). The mid-tier American Airlines card, offering 2x miles on American Airlines purchases, as well as at restaurants and gas stations. You’ll find perks such as a free first checked bag, preferred boarding and 25% savings on inflight food and beverage purchases.The information about Citi® / AAdvantage® Platinum Select® World Eliteâ„¢ Mastercard® has been collected independently by Finder and and has not been reviewed or provided by the issuer.
- Citi® / AAdvantage® Executive World Eliteâ„¢ Mastercard® ($450 annual fee). This premium card offers a complimentary Admirals Club membership and a statement credit for your Global Entry/TSA PreCheck application. You’ll also get enhanced airport perks such as priority check-in, priority airport screening and boarding privileges.The information about Citi® / AAdvantage® Executive World Eliteâ„¢ Mastercard® has been collected independently by Finder and and has not been reviewed or provided by the issuer.
If you want an American Airlines business card, look into the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. It’s similar to the personal mid-tier card, but with a different mix of bonus rewards.
Compare Citibank credit cards by card type
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 13% 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 26% variable.
- No foreign transaction fees. Many cards are travel products and Citibank doesn’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.
- Mobile app. You can download the Citibank mobile app to monitor your account, make payments and more.
- Citi Entertainment. With Citi Entertainment, you receive discounts on a variety of entertainment events when you book online with your Citi card.
Alternatives to Citibank credit cards
Citi isn’t the only provider to look at if you want high-level cards. For example, American Express, Discover, or Chase are a few other examples of providers that offer the same breadth of quality and variety as Citi.
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.
Full list of Citibank credit cards
C
- Citi Premierâ„ Card
- Citi Prestige® Credit Card
- Citi Rewards+â„ Card
- Citi Rewards+â„ Student Card
- Citi Simplicity® Card
- Citi® / AAdvantage® Executive World Elite™ Mastercard®
- Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
- Citi® Diamond Preferred® Card
- Citi® Double Cash Card
- Citi® Secured Mastercard®
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
- Costco Anywhere Visa® Business Card
- Costco Anywhere Visa® Card by Citi
Bottom line
While travel cards are Citibank’s bread and butter, 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 market-leading credit cards to compare more options.
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Ask an Expert
I would like to cancel my credit card account, but it is not yet activated. Can you cancel an account without activating it first? I got the card in hopes to transfer a balance off another card but decided against it and I no longer need it.
Hi Nicole,
Thanks for leaving a question on finder.
You can surely cancel your credit card anytime. However, just because you didn’t activate the card doesn’t change the fact that you applied and was approved for a line a credit. You can do that with a phone call to the credit issuer. But just be aware that if it has helped your score go up because it broadened your credit utilization ratio, your scores will likely drop once you lose that credit line. But don’t worry too much about that as you can hike it back up by deleting any debt you’re carrying elsewhere and make sure to always pay your creditors on time.
Please send me a message if you need anything else. :)
Cheers,
Joel
Is my 16 year old eligible to apply for a credit card with or without me as a consignor?
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