Compare Citibank® credit cards | finder.com

Compare Citibank® credit cards

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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 Citi ThankYou® Preferred Card. The period for 0% interest varies between 15 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

Updated July 22nd, 2018
Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
15.24% to 25.24% variable
0% for the first 18 months (then 15.24% to 25.24% variable)
$0
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
15.24% to 25.24% variable
0% for the first 15 months (then 15.24% to 25.24% variable)
$0
Enjoy our low intro APR for 15 months on purchases and balance transfers.
24.24% variable
$0
Start building credit for tomorrow with a secured credit card.
15.74% to 24.74% variable
$0
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.
15.74% to 25.74% variable
0% for the first 18 months (then 15.74% to 25.74% variable)
$0
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.
17.49% to 25.49% variable
$450
Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through ThankYou.com
16.99% variable
$0
Earn Costco cash rewards everywhere Visa® is accepted.
14.74% to 24.74% variable
0% for the first 21 months (then 14.74% to 24.74% variable)
$0
Lowest intro APR for 21 months plus VIP Access.
17.49% to 25.49% variable
$450
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
17.74% to 25.74% variable
$0 annual fee for the first year ($99 thereafter)
Earn 60,000 AAdvantage® bonus miles after you spend $3,000 in the first 3 months.
16.24% to 26.24% variable
$0
Earn 2,500 bonus points after spending $500 within the first 3 months of account opening.
17.74% to 25.74% variable
$0 annual fee for the first year ($50 thereafter)
Earn 25,000 American Airlines AAdvantage® bonus miles after you spend $750 in purchases within the first 3 months of account opening.
16.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy Great Rewards and Earn ThankYou® Points on Dining, Entertainment, Travel and more

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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 license.
  • 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

      Was this content helpful to you? No  Yes

      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
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      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

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