Best Citi Credit Cards: Compare Top Options of 2021

Best Citi Credit Cards: Compare Top Options of 2021

From a solid cashback card to top travel cards, Citi offers a slate of excellent credit cards. We compared them all to compile this list of the best options.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Best Citi credit cards 2021

Best for travel

  • On Citibank's Secure Website

Best for cash back

  • On Citibank's Secure Website

Best for balance transfers

  • On Citibank's Secure Website

Citi offers consumers an impressive lineup of credit cards. Whether you're looking for a high-yielding no-nonsense cashback card or a mileage-generating powerhouse, Citi's got an option for you.

One of the best Citi cards for many types of cardholders is the Citi® Double Cash Card – 18 month BT offer. It lets you earn simple, easily redeemable rewards at a high rate: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

We analyzed Citi's extensive card portfolio to bring you details on the best Citi credit card options. Without further ado, let's dive into the best Citi credit cards of 2021.

Why trust us

To make choosing the right card easier, we've looked at Citi credit cards reviewed on ValuePenguin, as well as cards on Citi's website, to compile a list of the best Citi credit cards available right now. Our recommendations are based on the value they provide for various categories of uses (including rewards categories, rewards rates and limited time offers), and are not influenced by our advertisers.

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Best Citi travel credit card

Citi Premier® Card

  • On Citibank's Secure Website

$95

15.99% - 23.99% (Variable)

Excellent/Good

  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Our thoughts

The Citi Premier® Card is an outstanding middle-tier travel rewards card that offers both a solid sign-up bonus and an excellent return on a variety of spending categories. Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, Earn 3X points per $1 spent on restaurants, supermarkets, gas stations, air travel and hotels and 1X per $1 spent on all other purchases .

ThankYou Points earned through the Citi Premier® Card can be redeemed for cash rewards or gift cards at 1 cent per point. You can transfer ThankYou Points to over a dozen airlines — including Air France/KLM, JetBlue and Virgin Atlantic.

The card's reasonable $95 annual fee can be more than offset with just one card perk. You'll get a $100 annual hotel savings benefit on eligible stays of $500 or more (before taxes and fees) booked through thankyou.com.

  • Solid sign-up bonus
  • Great bonus categories for everyday purchases including restaurants, supermarkets and gas stations
  • $100 annual hotel savings can more than offset the card's $95 annual fee
  • Rewards flexibility — redeem points for cash back, gift cards or transfer points to airlines
  • 0% foreign transaction fees
  • $95 annual fee
  • Low spenders may struggle to earn the sign-up bonus — you'll need to spend $4,000 in three months to lock in this great sign-up bonus
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23.99% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":90,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 60,000 bonus ThankYou\u00ae Points after you spend $4,000 in purchases within the first 3 months of account opening\u003C\/li\u003E\u003Cli\u003EEarn 3 Points per $1 spent at Restaurants and Supermarkets\u003C\/li\u003E\u003Cli\u003EEarn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels\u003C\/li\u003E\u003Cli\u003EEarn 1 Point per $1 spent on all other purchases\u003C\/li\u003E\u003Cli\u003EAnnual Hotel Savings Benefit\u003C\/li\u003E\u003Cli\u003E60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com\u003C\/li\u003E\u003Cli\u003ENo expiration and no limit to the amount of points you can earn with this card\u003C\/li\u003E\u003Cli\u003ENo Foreign Transaction Fees on purchases\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"15.99% - 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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Balance transfer\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4592.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/136?url=_credit-cards_analysis_best-citicards\",\"name\":\"Citi Premier\\u00ae Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 60,000 bonus ThankYou\u00ae Points after you spend $4,000 in purchases within the first 3 months of account opening\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi Premier\u00ae Card: Top Tier Travel Rewards Card\" href=\"https:\/\/www.valuepenguin.com\/travel\/citi-thankyou-premier-credit-card\"\u003ECiti Premier\u00ae Card\u003C\/a\u003E\u003C\/span\u003E is an outstanding middle-tier travel rewards card that offers both a solid sign-up bonus and an excellent return on a variety of spending categories. Earn 60,000 bonus ThankYou\u00ae Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, Earn 3X points per $1 spent on restaurants, supermarkets, gas stations, air travel and hotels and 1X per $1 spent on all other purchases .\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi ThankYou\u00ae Points: What Are They Worth?\" href=\"https:\/\/www.valuepenguin.com\/travel\/citi-thankyou-points\"\u003EThankYou Points\u003C\/a\u003E\u003C\/span\u003E earned through the Citi Premier\u00ae Card can be redeemed for cash rewards or gift cards at 1 cent per point. You can \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi Announces A New Transfer Partner - Everything You Need To Know\" href=\"https:\/\/www.valuepenguin.com\/news\/citi-transfer-partners\"\u003Etransfer ThankYou Points\u003C\/a\u003E\u003C\/span\u003E to over a dozen airlines \u2014 including Air France\/KLM, JetBlue and Virgin Atlantic.\u003C\/p\u003E\n\n\u003Cp\u003EThe card's reasonable $95 annual fee can be more than offset with just one card perk. You'll get a $100 annual hotel savings benefit on eligible stays of $500 or more (before taxes and fees) booked through thankyou.com.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Solid sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Great bonus categories for everyday purchases including restaurants, supermarkets and gas stations\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $100 annual hotel savings can more than offset the card's $95 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Rewards flexibility \u2014 redeem points for cash back, gift cards or transfer points to airlines\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% foreign transaction fees\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $95 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Low spenders may struggle to earn the sign-up bonus \u2014 you'll need to spend $4,000 in three months to lock in this great sign-up bonus\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Citi credit card for luxury travel

Citi Prestige® Credit Card

Earn 50,000 bonus points after spending $4,000 within three months of account opening.

Our thoughts

As the name might imply, the Citi Prestige® Credit Card is a luxury travel card with a luxury travel price — the $495 annual fee might scare off many potential cardholders. But for those that travel enough, this fee might be well worth it for the luxury travel benefits.

The Citi Prestige® Credit Card offers an industry-leading earning rate: Earn 5x points at restaurants and for air travel purchases, 3x for hotel and cruise purchases, and 1x for all other purchases.

Depending on how you travel, the complimentary fourth night hotel stay benefit might be worth the annual fee on its own. If you book a stay of at least four nights through thankyou.com, you'll get one night free (before taxes and fees). This benefit can be used up to twice per calendar year.

Other valuable benefits include a $250 travel credit every calendar year, complimentary access to over 1,300 lounges through Priority Pass™ Select and a $100 Global Entry or TSA Precheck application fee credit.

  • Excellent 5X points on restaurants and air travel
  • Solid 3X points on hotel and cruise line purchases
  • $250 annual travel credit
  • Priority Pass™ Select lounge membership
  • Fourth night free hotel benefit, up to twice yearly
  • Global Entry or TSA Precheck credit
  • $495 annual fee may be hard for many travelers to justify
  • High APR on carried balances
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Prestige\"\u003ECiti Prestige\u00ae Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 50,000 bonus points after spending $4,000 within three months of account opening.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EAs the name might imply, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi Prestige Card: Is It Right for You?\" href=\"https:\/\/www.valuepenguin.com\/travel\/citi-prestige-card\"\u003ECiti Prestige\u00ae Credit Card\u003C\/a\u003E\u003C\/span\u003E is a luxury travel card with a luxury travel price \u2014 the $495 annual fee might scare off many potential cardholders. But for those that travel enough, this fee might be well worth it for the luxury travel benefits.\u003C\/p\u003E\n\n\u003Cp\u003EThe Citi Prestige\u00ae Credit Card offers an industry-leading earning rate: Earn 5x points at restaurants and for air travel purchases, 3x for hotel and cruise purchases, and 1x for all other purchases.\u003C\/p\u003E\n\n\u003Cp\u003EDepending on how you travel, the complimentary fourth night hotel stay benefit might be worth the annual fee on its own. If you book a stay of at least four nights through thankyou.com, you'll get one night free (before taxes and fees). This benefit can be used up to twice per calendar year.\u003C\/p\u003E\n\n\u003Cp\u003EOther valuable benefits include a $250 travel credit every calendar year, complimentary access to over 1,300 lounges through \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How to Get Free or Discounted Priority Pass with a Credit Card\" href=\"https:\/\/www.valuepenguin.com\/travel\/how-to-get-priority-pass-for-free\"\u003EPriority Pass\u2122 Select\u003C\/a\u003E\u003C\/span\u003E and a $100 \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What to Know About Global Entry Before Your Next Trip\" href=\"https:\/\/www.valuepenguin.com\/travel\/what-to-know-global-entry\"\u003EGlobal Entry or TSA Precheck\u003C\/a\u003E\u003C\/span\u003E application fee credit.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Excellent 5X points on restaurants and air travel\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Solid 3X points on hotel and cruise line purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $250 annual travel credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Priority Pass\u2122 Select lounge membership\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Fourth night free hotel benefit, up to twice yearly\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Global Entry or TSA Precheck credit\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $495 annual fee may be hard for many travelers to justify\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High APR on carried balances\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Citi credit card for cash back

Citi® Double Cash Card – 18 month BT offer

  • On Citibank's Secure Website

$0

13.99% – 23.99% (Variable)

Excellent/Good

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Our thoughts

If you're looking for cash back with no annual fee, it may be tough to beat the Citi® Double Cash Card . Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. That's up to an unlimited 2% cash back on all purchases. No bonus categories, rotating categories or caps on how much you can earn.

Once you hit $25 of cash back, you can redeem your earnings for a check, statement credit or transfer to a Citi checking or savings account. You can also transfer cash rewards to Citi ThankYou Points. And if you have a qualifying card that earns ThankYou Points, you can then transfer these ThankYou Points to over a dozen airlines. That means you could effectively earn 2X ThankYou Points on all purchases by using the Citi® Double Cash Card .

  • $0 annual fee
  • Simple but excellent cash back earning rate
  • Option to transfer cash rewards to ThankYou Points
  • Intro APR of 0% for 18 months on Balance Transfers (followed by an APR of 13.99% – 23.99% (Variable))
  • No sign-up bonus offered to new cardholders
  • 3% transaction fee on purchases made in a foreign currency
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class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/710?url=_credit-cards_analysis_best-citicards\" rel=\"nofollow\" target=\"_blank\" title=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\"\u003E\u003Cimg alt=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4595.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/710?url=_credit-cards_analysis_best-citicards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E13.99% \u2013 23.99% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\u003C\/li\u003E\u003Cli\u003ETo earn cash back, pay at least the minimum due on time.\u003C\/li\u003E\u003Cli\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \u2013 23.99%, based on your creditworthiness.\u003C\/li\u003E\u003Cli\u003EBalance Transfers do not earn cash back.\u003C\/li\u003E\u003Cli\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 13.99% \u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"13.99% \\u2013 23.99% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ETo earn cash back, pay at least the minimum due on time.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \\u2013 23.99%, based on your creditworthiness.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfers do not earn cash back.\\u003C\\\/li\\u003E\\u003Cli\\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 13.99% \\u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Cash back\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4595.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_credit-cards_analysis_best-citicards\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're looking for cash back with no annual fee, it may be tough to beat the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card: Outstanding cashback rewards, few other benefits\" href=\"https:\/\/www.valuepenguin.com\/citi-double-cash-card\"\u003ECiti\u00ae Double Cash Card \u003C\/a\u003E\u003C\/span\u003E. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. That's up to an unlimited 2% cash back on all purchases. No bonus categories, rotating categories or caps on how much you can earn.\u003C\/p\u003E\n\n\u003Cp\u003EOnce you hit $25 of cash back, you can redeem your earnings for a check, statement credit or transfer to a Citi checking or savings account. You can also transfer cash rewards to Citi ThankYou Points. And if you have a qualifying card that earns ThankYou Points, you can then transfer these ThankYou Points to over a dozen airlines. That means you could effectively earn 2X ThankYou Points on all purchases by using the Citi\u00ae Double Cash Card .\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Simple but excellent cash back earning rate\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Option to transfer cash rewards to ThankYou Points\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Intro APR of 0% for 18 months on Balance Transfers (followed by an APR of 13.99% \u2013 23.99% (Variable))\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No sign-up bonus offered to new cardholders\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 3% transaction fee on purchases made in a foreign currency\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Citi credit card for airline miles

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening

Our thoughts

Citi partners with American Airlines to offer a few American Airlines credit cards. For many travelers, the best bang for your buck is going to be the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.

The card lets you earn bonus miles on a wide variety of purchases: Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases. In addition to using those miles on American, you can transfer the AAdvantage miles you’ve earned to your account and redeem them for travel on dozens of partners — including Alaska Airlines, British Airways, Hawaiian Airlines and Japan Airlines.

Cardholders get a free checked bag, preferred boarding and 25% savings on in-flight food and beverage purchases on American Airlines flights. Plus, if you spend $20,000 or more in purchases during your card membership year, you'll earn a $125 American Airlines flight discount — that's a nice perk on top of all of the miles you also earn.

  • Earn a large sign-up bonus
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases
  • Free checked bag for the primary cardholder and up to four travel companions on AA flights
  • Preferred boarding on American Airlines flights for the primary cardholder and up to four travel companions
  • Save up to 7,500 miles on domestic round-trip Saver awards through the Reduced Mileage Award program
  • Spend $20,000 in a cardholder year to score a $125 American Airlines Flight Discount
  • 0% foreign transaction fees
  • Travel benefits are only available for American Airlines flights and don't apply to any of its partners
  • Limited bonus spending categories
  • Annual fee may be hard to justify for infrequent travelers
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For many travelers, the best bang for your buck is going to be the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae Review\" href=\"https:\/\/www.valuepenguin.com\/travel\/platinum-select-aadvantage-world-mastercard\"\u003ECiti\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003EThe card lets you earn bonus miles on a wide variety of purchases: Earn 2 AAdvantage\u00ae miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases. In addition to using those miles on American, you can transfer the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Everything You Need to Know About American Airlines AAdvantage\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-airlines-aadvantage\"\u003EAAdvantage miles\u003C\/a\u003E\u003C\/span\u003E you\u2019ve earned to your account and redeem them for travel on dozens of partners \u2014 including Alaska Airlines, British Airways, Hawaiian Airlines and Japan Airlines.\u003C\/p\u003E\n\n\u003Cp\u003ECardholders get a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"A Guide to American Airlines Bag Fees\" href=\"https:\/\/www.valuepenguin.com\/travel\/guide-american-airlines-bag-fees\"\u003Efree checked bag\u003C\/a\u003E\u003C\/span\u003E, preferred boarding and 25% savings on in-flight food and beverage purchases on American Airlines flights. Plus, if you spend $20,000 or more in purchases during your card membership year, you'll earn a $125 American Airlines flight discount \u2014 that's a nice perk on top of all of the miles you also earn.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn a large sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 2 AAdvantage\u00ae miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free checked bag for the primary cardholder and up to four travel companions on AA flights\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Preferred boarding on American Airlines flights for the primary cardholder and up to four travel companions\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Save up to 7,500 miles on domestic round-trip Saver awards through the Reduced Mileage Award program\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Spend $20,000 in a cardholder year to score a $125 American Airlines Flight Discount\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% foreign transaction fees\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travel benefits are only available for American Airlines flights and don't apply to any of its partners\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Limited bonus spending categories\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Annual fee may be hard to justify for infrequent travelers\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Citi business credit card

CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Our thoughts

The CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® is the best Citi credit card for businesses looking to earn a lot of airline miles while leveling up their travel on American Airlines. Each time you fly American Airlines, you'll get a free checked bag on domestic flights, preferred boarding and 25% savings on in-flight Wi-Fi, food and beverage purchases.

This card also offers a solid rewards rate: Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. 1 AAdvantage® mile for every $1 spent on other purchases.

  • Earn a large sign-up bonus.
  • 2X miles on a variety of purchases — including eligible American Airlines purchases, cable and satellite providers, gas stations, car rentals and select telecom merchants.
  • Free checked bag for the primary cardholder and up to four travel companions on domestic AA flights
  • Save 25% on in-flight Wi-Fi and food/beverage purchases
  • Preferred boarding on American Airlines for the primary cardholder and up to four travel companions
  • 0% foreign transaction fees
  • Travel benefits don't apply to any other airline — not even American Airlines' partners
  • Small businesses may struggle to reach the spending requirement for the sign-up bonus
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"CitiBusiness\"\u003ECitiBusiness\u00ae\/ AAdvantage\u00ae Platinum Select\u00ae Mastercard\u00ae\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 65,000 American Airlines AAdvantage\u00ae bonus miles after spending $4,000 in purchases within the first 4 months of account opening.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"CitiBusiness\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae Mastercard\u00ae: Is it good for businesses?\" href=\"https:\/\/www.valuepenguin.com\/citibusiness-aadvantage-platinum-select-mastercard-credit-card\"\u003ECitiBusiness\u00ae\/ AAdvantage\u00ae Platinum Select\u00ae Mastercard\u00ae\u003C\/a\u003E\u003C\/span\u003E is the best Citi credit card for businesses looking to earn a lot of airline miles while leveling up their travel on American Airlines. Each time you fly American Airlines, you'll get a free checked bag on domestic flights, preferred boarding and 25% savings on in-flight Wi-Fi, food and beverage purchases.\u003C\/p\u003E\n\n\u003Cp\u003EThis card also offers a solid rewards rate: Earn 2 AAdvantage\u00ae miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage\u00ae miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. 1 AAdvantage\u00ae mile for every $1 spent on other purchases.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn a large sign-up bonus.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 2X miles on a variety of purchases \u2014 including eligible American Airlines purchases, cable and satellite providers, gas stations, car rentals and select telecom merchants.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free checked bag for the primary cardholder and up to four travel companions on domestic AA flights\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Save 25% on in-flight Wi-Fi and food\/beverage purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Preferred boarding on American Airlines for the primary cardholder and up to four travel companions\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% foreign transaction fees\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travel benefits don't apply to any other airline \u2014 not even American Airlines' partners\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Small businesses may struggle to reach the spending requirement for the sign-up bonus\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Citi credit card for gas

Costco Anywhere Visa® Card by Citi

  • On Citibank's Secure Website

$0

15.24% (Variable)

Excellent

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.

Our thoughts

The Costco Anywhere Visa® Card by Citi is only available to Costco members. Still, it's the top option for gas, as it offers 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases. That 4% rate is one of the most generous cashback rates on gas currently available — and even if you hit the $7,000 spending cap, you'll still earn 1% cash back on additional gas purchases.

While the card doesn't charge an annual fee, you will need to pay for a Costco membership — currently, this starts at $60 per year.

  • Excellent 4% cash back earning on the first $7,000 of gas purchases per year
  • Solid 3% cash back on restaurant and travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 0% foreign transaction fees, so you won't have to worry about fees eating into your 3% cashback earnings on international travel and dining
  • $0 annual fee, as long as you have a Costco membership
  • Cash back is only rewarded once per year, after your February billing statement
  • Cash back is forfeited if you cancel your Costco membership or fail to redeem your cash back by Dec. 31 of the year it was issued
  • Costco membership required to apply for the card
  • No sign-up bonus offered
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ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E15.24% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EDiscover one of Citi's best cash back rewards cards designed exclusively for Costco members\u003C\/li\u003E\u003Cli\u003E4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter\u003C\/li\u003E\u003Cli\u003E3% cash back on restaurants and eligible travel purchases\u003C\/li\u003E\u003Cli\u003E2% cash back on all other purchases from Costco and Costco.com\u003C\/li\u003E\u003Cli\u003E1% cash back on all other purchases\u003C\/li\u003E\u003Cli\u003ENo annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases\u003C\/li\u003E\u003Cli\u003EReceive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"15.24% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EDiscover one of Citi's best cash back rewards cards designed exclusively for Costco members\\u003C\\\/li\\u003E\\u003Cli\\u003E4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter\\u003C\\\/li\\u003E\\u003Cli\\u003E3% cash back on restaurants and eligible travel purchases\\u003C\\\/li\\u003E\\u003Cli\\u003E2% cash back on all other purchases from Costco and Costco.com\\u003C\\\/li\\u003E\\u003Cli\\u003E1% cash back on all other purchases\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases\\u003C\\\/li\\u003E\\u003Cli\\u003EReceive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Gas\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4424.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1030?url=_credit-cards_analysis_best-citicards\",\"name\":\"Costco Anywhere Visa\\u00ae Card by Citi\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Costco Anywhere Visa\u00ae Card by Citi Review: Is It A Good Value?\" href=\"https:\/\/www.valuepenguin.com\/costco-anywhere-visa-credit-card\"\u003ECostco Anywhere Visa\u00ae Card by Citi\u003C\/a\u003E\u003C\/span\u003E is only available to Costco members. Still, it's the top option for gas, as it offers 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases. That 4% rate is one of the most generous cashback rates on gas currently available \u2014 and even if you hit the $7,000 spending cap, you'll still earn 1% cash back on additional gas purchases.\u003C\/p\u003E\n\n\u003Cp\u003EWhile the card doesn't charge an annual fee, you will need to pay for a Costco membership \u2014 currently, this starts at $60 per year.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Excellent 4% cash back earning on the first $7,000 of gas purchases per year\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Solid 3% cash back on restaurant and travel purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 2% cash back on all other purchases from Costco and Costco.com\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% foreign transaction fees, so you won't have to worry about fees eating into your 3% cashback earnings on international travel and dining\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee, as long as you have a Costco membership\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cash back is only rewarded once per year, after your February billing statement\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cash back is forfeited if you cancel your Costco membership or fail to redeem your cash back by Dec. 31 of the year it was issued\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Costco membership required to apply for the card\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No sign-up bonus offered\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Citi credit card for balance transfers

Citi® Diamond Preferred® Card

  • On Citibank's Secure Website

$0

14.74% - 24.74% (Variable)

Excellent/Good

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Our thoughts

If you're burdened with high balances on high-interest credit cards, lowering your interest rate is much more important than earning rewards. Enter the Citi® Diamond Preferred® Card — which offers an intro APR of 0% for 18 months on Balance Transfers and 0% for 18 months on Purchases. That gives you a year and a half to pay down your balances before the card's APR of 14.74% - 24.74% (Variable) kicks in.

Even better, the Citi® Diamond Preferred® Card charges $0 annual fee, and cardholders can choose their payment due date to be whatever date works best for them.

  • A notably long intro APR of 0% for 18 months on Purchases and 0% for 18 months on Balance Transfers (followed by an APR of 14.74% - 24.74% (Variable))
  • $0 annual fee
  • Balance transfer fee applies with this offer: 3% of each balance transfer; $5 minimum.
  • High APR of 14.74% - 24.74% (Variable) if you don't pay off your balance before the end of the intro APR period
  • No rewards on purchases or sign-up bonus
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Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003E0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater\\u003C\\\/li\\u003E\\u003Cli\\u003EGet free access to your FICO\\u00ae Score online.\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Citi Entertainment\\u00ae, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.\\u003C\\\/li\\u003E\\u003Cli\\u003EShop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi\\u00ae Identity Theft Solutions.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Balance transfers\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4598.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/27?url=_credit-cards_analysis_best-citicards\",\"name\":\"Citi\\u00ae Diamond Preferred\\u00ae Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're burdened with high balances on high-interest credit cards, lowering your interest rate is much more important than earning rewards. Enter the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Diamond Preferred\u00ae Card: 18 Month Long 0% Intro APR For Balance Transfers\" href=\"https:\/\/www.valuepenguin.com\/citi-diamond-preferred-credit-card\"\u003ECiti\u00ae Diamond Preferred\u00ae Card\u003C\/a\u003E\u003C\/span\u003E \u2014 which offers an intro APR of 0% for 18 months on Balance Transfers and 0% for 18 months on Purchases. That gives you a year and a half to pay down your balances before the card's APR of 14.74% - 24.74% (Variable) kicks in.\u003C\/p\u003E\n\n\u003Cp\u003EEven better, the Citi\u00ae Diamond Preferred\u00ae Card charges $0 annual fee, and cardholders can choose their payment due date to be whatever date works best for them.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n A notably long intro APR of 0% for 18 months on Purchases and 0% for 18 months on Balance Transfers (followed by an APR of 14.74% - 24.74% (Variable))\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Balance transfer fee applies with this offer: 3% of each balance transfer; $5 minimum.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High APR of 14.74% - 24.74% (Variable) if you don't pay off your balance before the end of the intro APR period\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No rewards on purchases or sign-up bonus\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Citi credit card for everyday spending

Citi Rewards+® Card

  • On Citibank's Secure Website

$0

13.49% - 23.49% (Variable)

Excellent/Good

  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Our thoughts

If you're making a $1 purchase, it doesn't really matter if you earn 1X point or 3X points on the purchase. Either way, you're earning a small number of points. That is, unless you charge the purchase to the Citi Rewards+® Card. This unique card rounds up all point earnings to the nearest 10 points. So, whether you're buying a $1 gas station coffee or a $4 latte, Citi will round up your earnings to 10 points.

The earnings are even better at supermarkets and gas stations. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. Say you spend $10.10 on gas and haven't hit the $6,000 spending cap for the year. You'll earn a base of 20.2 points — which will then be rounded up to 30 points.

  • $0 annual fee
  • Earn bonus points on groceries and gas
  • Decent sign-up bonus for a no-annual-fee card
  • Point earnings are rounded up to the nearest 10 points, making it a great card for small purchases
  • 10% points rebate on the first 100,000 redeemed points each year
  • Intro APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers (then 13.49% - 23.49% (Variable))
  • Low earning rate of 1X points makes it a poor card for large purchases
  • 3% foreign transaction fees
  • High APR of 13.49% - 23.49% (Variable)
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23.49% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EThe Citi Rewards+\u00ae Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.\u003C\/li\u003E\u003Cli\u003EEarn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com\u003C\/li\u003E\u003Cli\u003E0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee \u2014 either $5 or 3% of the amount of each transfer, whichever is greater.\u003C\/li\u003E\u003Cli\u003EEarn 2X ThankYou\u00ae Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou\u00ae Points on All Other Purchases.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"13.49% - 23.49% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EThe Citi Rewards+\\u00ae Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com\\u003C\\\/li\\u003E\\u003Cli\\u003E0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee \\u2014 either $5 or 3% of the amount of each transfer, whichever is greater.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 2X ThankYou\\u00ae Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou\\u00ae Points on All Other Purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Everyday spending\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4614.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1176?url=_credit-cards_analysis_best-citicards\",\"name\":\"Citi Rewards+\\u00ae Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're making a $1 purchase, it doesn't really matter if you earn 1X point or 3X points on the purchase. Either way, you're earning a small number of points. That is, unless you charge the purchase to the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi Rewards+ Card Review: Decent Value for a Citi Rewards Card\" href=\"https:\/\/www.valuepenguin.com\/citi-rewards-plus-credit-card\"\u003ECiti Rewards+® Card\u003C\/a\u003E\u003C\/span\u003E. This unique card rounds up all point earnings to the nearest 10 points. So, whether you're buying a $1 gas station coffee or a $4 latte, Citi will round up your earnings to 10 points.\u003C\/p\u003E\n\n\u003Cp\u003EThe earnings are even better at supermarkets and gas stations. Earn 2X ThankYou\u00ae Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou\u00ae Points on All Other Purchases. Say you spend $10.10 on gas and haven't hit the $6,000 spending cap for the year. You'll earn a base of 20.2 points \u2014 which will then be rounded up to 30 points.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn bonus points on groceries and gas\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Decent sign-up bonus for a no-annual-fee card\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Point earnings are rounded up to the nearest 10 points, making it a great card for small purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 10% points rebate on the first 100,000 redeemed points each year\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Intro APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers (then 13.49% - 23.49% (Variable))\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Low earning rate of 1X points makes it a poor card for large purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 3% foreign transaction fees\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High APR of 13.49% - 23.49% (Variable)\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Citi credit card benefits

We've focused so far on the key aspects of the best Citi credit cards — from sign-up bonuses and earnings on purchases to annual fees — but there's a lot more to these Citi credit cards. Many Citi credit cards offer perks that can help you save when traveling, stay on top of your credit score, score exclusive access to events and much more.

No foreign transaction fee

Traveling is hard enough on the budget without having to pay a fee to the bank just for using your card for purchases overseas. Thankfully, most Citi cards that charge an annual fee don't charge a foreign translation fee.

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0% intro APR on balance transfers and purchases

Citi's got you covered if you're looking for a reprieve from high-interest credit card interest rates. Several no-annual-fee cards offer 0% intro APR on balance transfers and/or purchases.

The best Citi credit card is the Citi® Diamond Preferred® Card, which offers an intro APR of 0% for 18 months on Purchases and 0% for 18 months on Balance Transfers (followed by a 14.74% - 24.74% (Variable) APR).

The Citi Rewards+® Card is almost as good with an intro APR of 0% for 15 months on Balance Transfers and 0% for 15 months on Purchases (followed by a 13.49% - 23.49% (Variable) APR).

The Citi® Double Cash Card – 18 month BT offer offers an intro APR of 0% for 18 months on Balance Transfers (followed by a 13.99% – 23.99% (Variable) APR).

Free FICO Score

Whether you're hoping to buy a new house or get another credit card, it's important to stay on top of your credit score. Thankfully, Citi partners with Equifax to offer free FICO Score as a benefit on select Citi cards.

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Hotel discounts

Both the Citi Premier® Card and the Citi Prestige® Credit Card offer cardholders unique hotel discounts. Up to once per calendar year, Citi Premier® Card holders can get $100 off a hotel stay of at least $500 (before taxes and fees) booked through thankyou.com. That's more than enough to cover the card's $95 annual fee.

Meanwhile, the Citi Prestige® Credit Card offers a complimentary fourth night hotel stay up to two times a year. If you book a hotel stay of four or more nights through thankyou.com, you'll save an amount equal to the average night stay (before taxes and fees). For example, you'll save $250 if you book a four-night stay that costs $1,000 before taxes/fees and discount. If you do that twice a year, you'll save $500 each year from this one benefit.

Citi Entertainment

All Citi Visa, Mastercard and American Express credit cards are eligible for Citi Entertainment. This entertainment access program gives Citi cardholders special access to purchase tickets to events, including presale tickets and exclusive experiences. At time of writing, you can find everything from presale tickets to Katy Perry, Celine Dion and Carrie Underwood concerts in Las Vegas to a solo virtual concert by Sheryl Crow.

Citi Entertainment

Travel credits

As a way to offset just over half of the card's hefty $495 annual fee, the Citi Prestige® Credit Card offers cardholders a $250 travel credit every calendar year. Citi will automatically apply this credit to eligible travel purchases.

Global Entry/TSA Precheck credit

TSA Precheck can be a game changer for travelers — letting you zip through TSA on domestic flights without having to take off your shoes or belt or take out your liquids. Similarly, Global Entry members can skip the long Customs and Border Protection lines and quickly clear immigration at a kiosk when arriving from overseas.

For many frequent travelers, the time savings is worth the $85 application fee for five years of TSA PreCheck or $100 application fee for five years of Global Entry. But with the right Citi credit card, you won't even have to pay that application fee out of pocket.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003ECiti credit cards that offer a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Credit Cards for Free Global Entry and TSA Precheck\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-credit-cards-for-free-global-entry\"\u003EGlobal Entry or TSA PreCheck application fee\u003C\/a\u003E\u003C\/span\u003E credit include:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi Prestige Card: Is It Right for You?\" href=\"https:\/\/www.valuepenguin.com\/travel\/citi-prestige-card\"\u003ECiti Prestige\u00ae Credit Card\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae Review\" href=\"https:\/\/www.valuepenguin.com\/travel\/platinum-select-aadvantage-world-mastercard\"\u003ECiti\u00ae \/ AAdvantage\u00ae Executive World Elite Mastercard\u00ae\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Expedia\u00ae+ Voyager Card from Citi: A Great Card for Travelers\" href=\"https:\/\/www.valuepenguin.com\/expedia-plus-voyager-credit-card\"\u003EExpedia\u00ae Rewards Voyager Card from Citi\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Lounge access

The best Citi credit card for getting lounge access is the Citi Prestige® Credit Card. The Citi Prestige® Credit Card offers cardholders a Priority Pass™ Select membership, which grants cardholders complimentary access to the 1,300-plus airport lounges, restaurants and even spas in the Priority Pass network. Even better, you can bring up to two guests or immediate family members into the lounge with you at no cost.

Another Citi card worth considering for lounge access is the Citi® / AAdvantage® Executive World Elite Mastercard®. This premium travel card grants the primary cardholder a full membership for Admirals Club lounges, while authorized users can get Admirals Club access when flying on American Airlines.

Citi ThankYou Rewards

Citi credit cards offer different types of rewards. Some of these — like cash back or American Airlines AAdvantage miles — are fairly straightforward. However, the Citi ThankYou Rewards program requires a bit of explanation, due to the variety of redemption options. You can redeem ThankYou points for cash back, statement credits, gift cards or transfer points to over a dozen airline partners.

Which cards earn Citi ThankYou points?

Citi credit cards that offer Citi ThankYou points include the following:

Redemption options

You can redeem ThankYou points for a variety of redemptions at a value of 1 cent per ThankYou point, though there are options that don't provide this full value. So, let's give you an overview of the redemption options so you can make the best choice for redeeming your ThankYou points.

Citi ThankYou points value

Usage
Example
Value per point
Cash back (statement credit, direct deposit or check by mail)$100 Cash Back: 10,000 points1 cent
Gift cards$25 Best Buy Gift Card: 2,500 points1 cent
Redeem for travel through thankyou.com$450 fare: 45,000 points1 cent
Mortgage/student loan payment$25 payment: 2,500 points1 cent
Charity donation$25 donation: 2,500 points1 cent
Amazon$80 purchase: 10,000 points0.8 cents

Citi travel partners

For experienced airline mile collectors, the best redemption option is by transferring Citi ThankYou Points to one of Citi's 16 airline partners. Rather than being limited to 1 cent per point in value, you could save multiples of that by redeeming ThankYou points for high-value award redemptions.

The Citi ThankYou point airline transfer partners are:

  • Aeromexico Club Premier
  • Air France/KLM Flying Blue
  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • Emirates Skywards
  • Etihad Guest
  • EVA Air Infinity MileageLands Miles
  • InterMiles
  • JetBlue TrueBlue
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Royal Orchid Plus
  • Turkish Airlines Miles & Smiles
  • Virgin Atlantic Flying Club

The transfer rate for airline transfer partners is generally 1:1 in increments of 1,000 points. However, there's one exception to this general rule: Citi ThankYou® Preferred Card and Citi Rewards+® Card members will only get 800 JetBlue TrueBlue points per 1,000 ThankYou points transferred.

Citi credit card application rules

Whenever you consider applying for a new credit card, it's critical to get to know the application rules that the bank uses. Unfortunately, many of these application rules aren't published. Instead, the community learns through trial and error what rules banks may apply to different situations. And, as with any unpublished rules, these can change at any time without notice.

Here are three application rules that we know about for Citi:

24 (or 48) month rule

This is one of Citi's hard-and-fast published rules. You won't be eligible for a sign-up bonus if you have earned a new cardmember bonus in the past 24 months (or 48 months on certain cards).

For example, you can't earn the sign-up bonus on the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® if you received a new account bonus for that same card in the past 48 months. However, you'd still be eligible to earn the sign-up bonus on the CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® even if you’ve earned a bonus on the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® in the past 48 months.

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For Citi ThankYou point cards, this restriction applies to the entire family of cards. New cardholders can't earn a sign-up bonus on the Citi Rewards+® Card if you received a new cardmember bonus for Citi Rewards+® Card, Citi ThankYou® Preferred Card, Citi ThankYou Premier/Citi Premier® Card or Citi Prestige® Credit Card, or if you’ve closed any of these accounts, in the past 24 months.

Citi 8/65 rule

You'll want to wait at least eight days between applying for Citi credit cards, whether you were approved or denied on the previous application. Similarly, Citi will generally reject credit card applications if you’ve already applied for two Citi credit cards in the past 65 days.

Citi 1/90 rule

Citi's rules are a bit stricter for business cards. Generally, it's best to wait at least 90 days after your business' last credit card application to apply for a new Citi business card.

How to apply for a Citi credit card

You can start your Citi credit card application by clicking on the card links in this article. This will direct you to the application for that Citi credit card.

  1. Provide your full name, address, Social Security number, date of birth, country of citizenship, phone number, email address, total annual income and monthly mortgage or rent payment. If you're already a Citi cardholder, you can log into your Citi account to have Citi autofill much of your information.
  2. After submitting your application, make sure to note your Application ID. You can use this number and your ZIP code to check the status of your Citi credit card application. If you didn't save the Application ID, you can enter your primary phone number, ZIP code and date of birth to check the status of your Citi credit card application. You can also check your application status by calling 888-201-4523.
  3. If you aren't approved, we recommend calling Citi's reconsideration line to see if an agent can take a closer look at your application. In some cases, you may be able to answer a few questions or take some simple action to get your application approved. For example, you may be able to get approved by agreeing to reduce the credit limit on a different Citi card.

Citi's reconsideration phone numbers are:

  • Consumer cards: 800-695-5171
  • Business cards: 800-763-9795
{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003ECiti's reconsideration phone numbers are:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Consumer cards: 800-695-5171\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Business cards: 800-763-9795\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Top Citibank sign-up bonuses

Card
Sign-up bonus
Estimated value
Annual fee
Citi Premier® CardEarn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening$600 in gift cards or travel through the Citi ThankYou portal$95
Citi Prestige® Credit CardEarn 50,000 bonus points after spending $4,000 within three months of account opening.$500 in gift cards or travel through the Citi ThankYou portal$495
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening$500$99, waived for first 12 months
Show All Rows

Citi card FAQs

Which Citi credit card is the best?

The Citi® Double Cash Card is the best credit card for cash back. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. That's up to 2% cash back with no limits or bonus categories to remember.

Is Citi a good credit card?

Citi offers diverse card options, meaning that almost everyone could find a good fit for their situation. If you're looking for cash back, the Citi® Double Cash Card is one of the best cards available. For travelers, the Citi Premier® Card and the Citi Prestige® Credit Card offer excellent travel benefits. If you're looking for a 0% intro APR on balance transfers, Citi offers three great options: Citi® Diamond Preferred® Card, Citi Rewards+® Card and the Citi® Double Cash Card – 18 month BT offer.

Which Citi card is the easiest to get?

Citi offers the Citi® Secured Mastercard® for cardholders who are new to credit or need to rebuild their credit. This card doesn't charge an annual fee, but does require a security deposit.

Is the Citi® Diamond Preferred® Card good?

The Citi® Diamond Preferred® Card is good for cardholders that need a reprieve from high credit card interest rates. You'll get an intro APR of 0% for 18 months on Purchases and 0% for 18 months on Balance Transfers (followed by an APR of 14.74% - 24.74% (Variable)), all with $0 annual fee.

Do Citi credit cards have foreign transaction fees?

Most Citi cards that charge an annual fee don't charge a foreign translation fee. Citi credit cards that don't charge a foreign transaction fee include the Citi Premier® Card, Citi Prestige® Credit Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard® and the CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®.

On the flip side, most no annual fee Citi credit cards have foreign transaction fees. Notably, only one no-annual-fee Citi credit card waives foreign transaction fees: the Costco Anywhere Visa® Card by Citi.

How long does Citi credit card approval take?

Citi will typically approve or reject your credit card application immediately. However, Citi may need additional time to review your application.

Can you convert Citi credit card points into cash?

Citi cardholders can redeem ThankYou points for cash back at a rate of 1 cent per point. Other Citi cards like the Citi® Double Cash Card and Costco Anywhere Visa® Card by Citi earn cash back rewards.

Do Citi credit cards cover car rental insurance?

The Costco Anywhere Visa® Business Card by Citi offers Worldwide Travel Accident Insurance and Worldwide Car Rental Insurance. Unfortunately, car rental insurance has been removed from most other Citi credit cards.

Is it easy to get a Citi credit card?

If you have good or excellent credit, Citi makes it very easy to get a Citi credit card. You'll just need to take a few minutes filling out an application online.

What credit score is needed for a Citi credit card?

Citi's best credit cards are designed for those with excellent credit. For those working on building (or rebuilding) their credit, Citi offers the Citi® Secured Mastercard®.

How long does it take to receive a Citi credit card?

Citi typically sends a new credit card within one to two weeks. If you need to get your new Citi credit card faster, call Citi at 888-248-4226 to request expedited shipping.

How can I refer my friend to a Citi credit card?

Unfortunately, Citi doesn't offer U.S. cardholders the option to refer a friend at this time.

Who accepts Citi credit cards?

Most Citi credit cards utilize the Mastercard payment network, which are accepted at millions of locations worldwide. Citi Costco credit cards are a notable exception: Costco famously only accepts Visa-branded credit cards in its stores, and as such, Citi's Costco cards are Visa-branded cards.

Can I have more than one Citi credit card?

Citi doesn't formally state that there’s a limit on the number of Citi credit cards that you can have. However, you may not be able to get a sign-up bonus on a new card if you've recently earned a sign-up bonus on or closed the same or a similar card.

The information related to Citi Prestige® Credit Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard® and CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

JT Genter

JT is a freelance writer who has written about credit cards and points & miles since 2015. He published over 2,000 articles on The Points Guy and can now be found writing for ValuePenguin, NerdWallet, Forbes Advisor, and AwardWallet. Since June 2017, JT and his wife have traveled full-time as digital nomads - using points, miles, and credit card benefits to drastically reduce the cost of living on the road.

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.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).