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Best Citicards of 2017

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

We took a look at various credit cards from Citi to determine which were the best Citicard offerings. With 18 cards to choose from, we identified the Citicards that stood out well not just within Citibank's portfolio but also among all of the U.S. credit cards available. Recently Citi has updated their selection of cards with some noteworthy newcomers, which rank among the best choices prospective cardholders can pick from.

Best Cash Back Credit Card: Citi® Double Cash Card - 18 month BT offer

For a third year in a row, the Citi® Double Cash Card - 18 month BT offer is our favorite credit card for cash back, and one of the best Citicards to maximize rewards overall. Even in 2017, there are very few credit cards that can provide the same high rewards rate across all shopping categories. It functions a little differently than most flat-rate rewards cards, giving you 1% back immediately and then another 1% when you make your payments. The rewards rate competes favorably with nearly all other options, however. With no annual fee, the Citi® Double Cash Card - 18 month BT offer is a compelling option as a primary credit card for just about everyone. The only cards that offer a greater rewards rate are those in the travel category, with the tradeoff of having more limited flexibility when it comes to rewards redemption. When it comes to choosing a credit card, we think most consumers would do well to consider the Citi® Double Cash Card - 18 month BT offer as a first option.

The one drawback of the Citi® Double Cash Card - 18 month BT offer is that for most consumers, it doesn't come with any sort of welcome bonus. For example, in comparison, the Capital One® Quicksilver® Cash Rewards Credit Card offers a $150 early spend bonus for new cardholders, though it offers less in long-term spending rewards. To qualify for the early spend bonus on the Capital One® Quicksilver® Cash Rewards Credit Card you must spend at least $500 on your card within the first 3 months. For the long haul, however, the Citi® Double Cash Card - 18 month BT offer will perform better over a number of years, and is one of the top credit cards, Citicard or otherwise, for cash back. (Note: Some lucky consumers have been receiving a welcome bonus offer but it hasn't been open to the public.)

Best Balance Transfer Card: Citi Simplicity® Card - No Late Fees Ever

On the other end of the spectrum, the Citi Simplicity® Card - No Late Fees Ever is a suitable option for consumers who may have issues managing their existing credit card debt. As one of the top balance transfer credit cards, the card's introductory 0% APR for 21 months on both new purchases and balance transfers is one way to help you manage your accrued balances. The Citi Simplicity® Card - No Late Fees Ever focuses on waiving many of the traditional fees and penalties cardholders would incur for making late payments, so it can be a good option for cardholders who may anticipate some financial difficulties. With this Citicard, you won't have to worry about late fees or penalty rates. This prevents Citi from raising the card's interest rate due to a missed payment, which can often climb as high as 30% on most cards. For these reasons, the Citi Simplicity® Card - No Late Fees Ever is a great credit card for balance transfers from the Citicard portfolio.

Best Citi Travel Card Offerings

The Citicard travel offerings are a little more limited. Citi offers affiliated credit cards with Hilton, Expedia, and American Airlines, which, while few, are fortunately some of the largest brands in their respective businesses. These cards can reward travelers if they're planning on staying loyal to one brand or service. Here are the ones that stand out when it comes to each of the different travel affiliations.

Citi® Hilton HHonors™ Reserve Card

The Citi® Hilton HHonors™ Reserve Card is one of our featured hotel credit cards because of its valuable bonuses. The card does come with decent spending rewards that are worth about 1.5%, but what really sets this Citicard apart are the free hotel nights new cardholders are eligible for. Simply spend $2,500 in the first four months and you'll earn 2 complimentary weekend nights at a Hilton property. When used well, these free nights are worth as much as $700 depending on the property you choose. In addition, every subsequent year that you spend $10,000 on the Citi® Hilton HHonors™ Reserve Card will net you an additional free night, valued at between $250-400 overall. Given the spending requirements needed to earn the continuing bonuses and the card's $95 annual fee, the Citi® Hilton HHonors™ Reserve Card does require a minimum spending to be worthwhile.

Citi® / AAdvantage® Executive World Elite™ Mastercard®

Compared to the best airline credit cards,Citicard's offerings are a little less noteworthy. American Airlines is Citicard's only affiliated partner in the skies, and the AAdvantage cards are primarily used for earning extra miles that can be redeemed for flights. These cards are generally worthwhile only if you're planning to use American Airline as your primary carrier when traveling. Among the cards, the Citi AAdvantage Executive Card, which is a premium card costing $450 a year, is one to consider. The value of the card really comes from amenities like lounge access, free checked bags, and other benefits that make your travel arrangements easier. On the spending rewards front, it has the standard affiliated card 1x/2x structure with 1 AAdvantage Mile on general spending and 2 AAdvantage Miles on US Airways or American Airlines-related spending. In terms of bonuses, the Executive Card is very lucrative with offers for new cardholders ranging from 50,000 to 100,000 miles.

Citicard Sign-up Bonuses

If you're in the market for a new card and are focused on the bonuses that you can accrue to help pay for an upcoming expense or to just optimize your spending, we've provided a list of the available bonuses from the different Citicards to make your shopping easier. This will give you an idea of which cards have bonuses that are easiest to earn and if the bonus rewards will apply to your spending.

Card Spending Requirement Bonus
ThankYou® Preferred Credit Card $1,000 in 3 months 15,000 ThankYou® Points
Citi ThankYou® Premier Card $3,000 in 3 months 30,000 ThankYou® Points
Citi Prestige® Card $4,000 in 3 months 40,000 ThankYou® Points
Citi® ThankYou® Preferred Credit Card for College Students $500 in 3 months 2,500 ThankYou® Points
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® $3,000 in 3 months 60,000 AAdvantage Miles
Citi® / AAdvantage® Executive World Elite™ Mastercard® $5,000 in 3 months 50,000 AAdvantage Miles
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® $3,000 in 3 months 60,000 AAdvantage Miles
Citi® / AAdvantage® Gold World Elite™ Mastercard® $750 in 3 months 25,000 AAdvantage Miles
Citi® Hilton HHonors™ Visa Signature® Card $1,000 in 4 months 40,000 HHonors Bonus Points
Citi® Hilton HHonors™ Reserve Card $2,500 in 4 months 2 Weekend Nights

Citi Price Rewind

One of the better features present in all of the best Citicards is Price Rewind. With it, Citi cardholders can receive a partial refund on their purchases if the price drops within 60 days. The partial refund is the amount of the drop. Citi covers purchases up to $300 per item, and up to $1,200 per year.

According to Citi, it has refunded a total of $2,588,185 in Q3 2015 alone. This was dispersed over 77k refunds, and came out to an average of $33.27 per refund.

The process is mostly automated, though you are required to register your purchase. Citi will track the price of certain items by checking prices that are advertised online. If you find the lower price yourself, you have the option of reporting it as well. Note that not all types of items and scenarios are covered. For example, tickets, firearms, plants or animals (including stuffed animals) are not covered. Refurbished items, limited-edition, or ‘going out of business’ prices are also not covered. You can read a full list of exemptions and how to file a claim through Citi’s website.

Comparison Tool

 The only true way of finding the best Citi credit card for you, is to match one directly to your spending profile. Normally, this process would require a lot of calculations and time - however our interactive tool will do all the work for you. Simply input your estimated monthly spending by category, and we will calculate for you, which rewards credit cards provide you with the best rewards per $1 spent.

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Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
$0 Intro Annual Fee for the first year then $95 3.35%
$837
Earn 60,000 American Airlines AAdvantage bonus miles after $3,000 in purchases the first 3 months
$1,205
Graph Card Read Review More Details
Annual Fee $0 Intro Annual Fee for the first year then $95
APR 13.99%, 17.99% or 21.99% Variable

Card Details

  • 2 AAdvantage miles for every $1 spent on American Airlines
  • 1 mile for every $1 spent otherwise
  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Bonuses
60,000 x $0.014 = $810
1,000 x $0.014 = $14
1,000 x $0.014 = $14
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,205
Citi® Hilton HHonors™ Reserve Card
$95 2.29%
$500
Earn 2 weekend nights after spending $2,500 in the first four months
$825
Graph Card Read Review More Details
Annual Fee $95
APR 15.99%

Card Details

  • Earn 2 weekend nights after spending $2,500 in the first four months
  • 10 HHonors Bonus Points for every $1 spent with a participating hotel or resort
  • 5 HHonors Bonus points for every $1 spent on airfare or car rentals
  • 3 points for every $1 spent otherwise
  • Get Hilton Honors Gold Status as a cardmember
  • No foreign transaction fees
  • No caps and expiration on points if you use your card at least once a year
  • Earn an anniversary bonus for one weekend night at select hotels
  • No points cap

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 102,960 x $0.005 = $515
Bonuses
0 x $0.005 = $500
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 825
Citi ThankYou® Premier Card
$0 Intro Annual Fee for the first year then $95 2.38%
$360
Earn 30,000 bonus points after $3,000 in purchases made with your card in the first 3 months the account is open.
$858
Graph Card Read Review More Details
Annual Fee $0 Intro Annual Fee for the first year then $95
APR 14.24%, 17.99% - 23.24% Variable

Card Details

  • Earn 3 ThankYou Points for every dollar spent on travel purchases, including gas
  • Earn 2 ThankYou Points for every $1 spent dining out or on entertainment
  • Earn 1 ThankYou Point for each dollar spent elsewhere
  • No foreign transaction fees
  • $0 liability if your card is stolen
  • Citi Private Pass
  • Chip technology makes global travel easy
  • Rental insurance
  • Lost luggage coverage
  • Travel insurance

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 49,440 x $0.012 = $593
Bonuses
30,000 x $0.012 = $360
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 858
Citi® / AAdvantage® Gold World Elite™ Mastercard®
$50 1.95%
$338
Earn 25,000 American Airlines AAdvantage bonus miles after $700 in purchases the first 3 months
$701
Graph Card Read Review More Details
Annual Fee $50
APR 13.99%, 17.99% or 21.99% Variable

Card Details

  • Earn 25,000 American Airlines AAdvantage bonus miles after $700 in purchases the first 3 months
  • 1 AAdvantage mile for every $1 spent
  • Save 25% on eligible in-flight food and beverage purchases
  • No blackout dates on award travel
  • No spending limit

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Bonuses
25,000 x $0.014 = $338
Less Annual Fees -$100
Total Net Estimated Rewards Through 24 Months 701
ThankYou® Preferred Credit Card
No Annual Fee 1.52%
$150
Earn 15,000 bonus ThankYou points after you spend $1,000 in the first 3 months
$548
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 12.99%, 17.99% or 22.99% Variable

Card Details

  • Earn 2 ThankYou points per dollar on purchases for dining at restaurants and entertainment
  • Earn 1 ThankYou point per dollar on other purchases
  • Points don't expire
  • $0 liability if your card is stolen
  • Citi Private Pass
  • Chip technology makes global travel easy
  • Rental insurance
  • Lost luggage coverage
  • Travel insurance

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Bonuses
15,000 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 548
Citi® Hilton HHonors™ Visa Signature® Card
No Annual Fee 1.69%
$200
Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
$607
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 15.99% 19.99% Variable

Card Details

  • Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
  • 6 HHonors Bonus Points for every $1 spent on hotel stays within Hilton Portfolio
  • 3 HHonors Bonus points for every $1 spent at supermarkets, drugstores & gas stations
  • 2 points for every $1 spent otherwise
  • HHonors silver status with fast-track to HHonors Gold status after 4 stays within your first 90 days of cardmembership
  • Receive HHonors Silver Status for free

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 81,360 x $0.005 = $407
Bonuses
40,000 x $0.005 = $200
Total Net Estimated Rewards Through 24 Months 607
Citi® ThankYou® Preferred Credit Card for College Students
No Annual Fee 1.18%
$25
Earn 2,500 bonus ThankYou points after you spend $500 within the first 3 months
$423
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 13.99%, 18.99% or 23.99% Variable

Card Details

  • Earn 2 ThankYou points per dollar on purchases for dining at restaurants and entertainment
  • Earn 1 ThankYou point per dollar on other purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Bonuses
2,500 x $0.01 = $25
Total Net Estimated Rewards Through 24 Months 423
Expedia®+ Card from Citi
No Annual Fee 0.97%
$107
Earn 15,000 Expedia+ rewards bonus points after you spend $1,000 on purchases in the first 3 months of account opening
$350
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.99%, 16.99% or 22.99% Variable

Card Details

  • Earn 15,000 Expedia+ rewards bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Earn 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
  • Earn 1 Expedia+ bonus point per $1 spent on other purchases
  • Automatic Expedia+ silver status
  • No annual Fee
  • One Elite Qualifying Hotel Night towards +gold status for every $2,500 in card spend on any purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.007 = $244
Bonuses
15,000 x $0.007 = $107
Total Net Estimated Rewards Through 24 Months 350
Expedia®+ Voyager Card from Citi
$95 0.75%
$178
Earn 25,000 Expedia+ rewards bonus points after you spend $2,000 on purchases in the first 3 months of account opening
$270
Graph Card Read Review More Details
Annual Fee $95
APR 13.99%, 15.99% or 21.99% Variable

Card Details

  • Earn 25,000 Expedia+ rewards bonus points after you spend $2,000 on purchases in the first 3 months of account opening
  • Earn 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
  • 2 Expedia+ bonus points per $1 spent on purchases for dining out and entertainment
  • Earn 1 Expedia+ bonus point per $1 spent on other purchases
  • Automatic Expedia+ gold status
  • No FX Fee
  • $100 annual statement credit for airline incidentals on qualified airlines or Wi–Fi Carries or for the Global Entry application fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.007 = $283
Bonuses
25,000 x $0.007 = $178
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 270
Citi Prestige® Card
$450 0.45%
$532
Earn 40,000 bonus ThankYou points after you spend $3000
$162
Graph Card Read Review More Details
Annual Fee $450
APR 15.24%

Card Details

  • Earn 3 points on Air Travel and Hotels, 2 points for every $1 you spend on dining and entertainment
  • 1 point per $1 elsewhere
  • No foreign transaction fee
  • Complimentary 4th night at luxury hotels when booked through Carlson Wagonlit Travel
  • Unlimited access to 400+ airport lounges
  • $100 global entry fee credit
  • Chip technology
  • 24/7 concierge
  • Lost baggage coverage

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $530
Bonuses
40,000 x $0.013 = $532
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months 162
Citi® Diamond Preferred® Card
No Annual Fee 0.00%
$0
$0
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 11.99%, 16.99% or 21.99% Variable

Card Details

  • 24/7 access to personalized concierge service
  • Special access to ticket presales, preferred seating
  • Balance transfer either $5 or 3% of the amt of each transfer, whichever is greater
  • $0 fraud liability if card is stolen
  • Special cardholder access to a variety of ticket presales
  • Rental car insurance
  • Travel insurance
  • Purchase protection

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
Citi Simplicity® Card - No Late Fees Ever
No Annual Fee 0.00%
$0
$0
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.24% or 23.24% Variable

Card Details

  • Balance transfer either $5 or 3% of the amt of each transfer, whichever is greater
  • Auto rental insurance
  • Citi Identity Theft Solutions
  • $0 fraud liability if card is stolen
  • Rental car insurance
  • Travel insurance
  • Purchase protection

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
Citi® Secured Mastercard®
No Annual Fee 0.00%
$0
$0
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 21.99%

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
Citi® / AAdvantage® Executive World Elite™ Mastercard®
$450 -1.21%
$0
Earn 50,000 American Airlines AAdvantage bonus miles after $5,000 in purchases the first 3 months
$-437
Graph Card Read Review More Details
Annual Fee $450
APR 15.24%

Card Details

  • 2 AAdvantage miles for every $1 spent on American Airlines
  • 1 mile for every $1 spent otherwise
  • Admirals Club membership for you and your immediate family
  • No foreign transaction fees
  • First checked bag is free for you and your companions
  • Priority check-in, screening, and boarding
  • Receive a 25% savings on eligible in-flight purchases
  • No annual mileage cap

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months -437

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.