Best Citi Credit Cards of 2020: Compare Top Options of 2020

Best Citi Credit Cards of 2020: Compare Top Options of 2020

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.

Citi is an advertising partner.

We analyzed every credit card offered by Citibank, one of our advertising partners, in order to determine the best of the bunch. Citi is one of the largest banks and offers a variety of credit cards to match the needs of most consumers. Whether you're searching for a great cash back card, want to collect airline miles or you want to help you pay down an existing credit card balance, Citi offers some of the best cards available.

Best Citi credit cards of 2020

Recommended Cards

Best ForCredit NeededAnnual Fee
Citi® Double Cash Card – 18 month BT offer
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Citi® Double Cash Card – 18 month BT offerCash backExcellent$0
Apply Now
  • On Citibank's Secure Website
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unavailable credit card
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®Airline MilesExcellent$99, waived for first 12 monthsRead Review
unavailable credit card
CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®BusinessesExcellent$99, waived for first 12 monthsRead Review
Costco Anywhere Visa® Card by Citi
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Costco Anywhere Visa® Card by CitiGasExcellent$0
Apply Now
  • On Citibank's Secure Website
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Citi® Diamond Preferred® Card
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Citi® Diamond Preferred® CardBalance TransfersExcellent$0
Apply Now
  • On Citibank's Secure Website
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Citi Rewards+℠ Card
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Citi Rewards+℠ CardEveryday SpendingExcellent$0
Apply Now
  • On Citibank's Secure Website
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Recommended Cards

Citi® Double Cash Card – 18 month BT offer
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Citi® Double Cash Card – 18 month BT offer
Apply Now
  • On Citibank's Secure Website
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unavailable credit card
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®Read Review
unavailable credit card
CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®Read Review
Costco Anywhere Visa® Card by Citi
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Costco Anywhere Visa® Card by Citi
Apply Now
  • On Citibank's Secure Website
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Citi® Diamond Preferred® Card
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Citi® Diamond Preferred® Card
Apply Now
  • On Citibank's Secure Website
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Citi Rewards+℠ Card
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Apply Now
  • On Citibank's Secure Website
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For an in-depth analysis about what makes each card the best in its respective category, read more below. We've also created a customizable credit card comparison tool that calculates which card will earn you the most rewards based on your own spending habits.

Best Citibank 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

  • 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.
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Our thoughts

The Citi® Double Cash Card – 18 month BT offer is not only the best Citi card for cash back, but one of the best all-around due to its simple yet highly rewarding 2% cash back rate. The card lets users Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Many competing cards yield just 1.5% cash back, meaning that over the course of a few years, most users would be leaving hundreds of dollars on the table by opting for a different card. The only downside to the card is that it doesn't currently offer a sign-up bonus, whereas competing cards offer bonuses valued at approximately $150.

Pros:

  • $0 annual fee
  • One of the highest cash back rates available
  • No rotating categories to keep track of or activate

Cons:

  • No sign-up bonus, whereas competing cards typically offer at least $150
  • Foreign transaction fees mean this card isn't ideal for frequent international travelers

Best Citi credit card for airline miles

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

Our thoughts

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is the best Citi credit card for earning miles because it awards users bonus miles for a wide variety of purchases. For instance, Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases. Most other co-branded airline cards are much more restrictive in terms of the purchases that earn you bonus miles. The sign-up incentive is currently: Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening.

Pros:

  • Large sign-up bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
  • Earn bonus miles in spending categories, such as gas stations or at restaurants
  • 0% foreign transaction fees

Cons:

  • Annual Fee $99, waived for first 12 months
  • American Airlines miles aren't the most flexible

Best Citi credit card for businesses

CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®

Our thoughts

The CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® is the best Citibank card for businesses because it combines great rewards with business-friendly features. This card is an excellent match for any business that frequently flies with American Airlines, since it awards a solid 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.. Other airline business cards simply award bonus points for airline purchases and fail to offer much else. Perhaps the best perk is that you can get additional cards for your employees at no extra cost and their purchases will earn you miles as well.

Pros:

  • Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • See comparison tool below for estimated card value
  • Bonus miles in a variety of categories, including car rentals and at gas stations
  • Get your first checked bag free on domestic flights

Cons:

  • A high spending requirement on the card's sign-up bonus
  • Annual fee: $99, waived for first 12 months

Best Citi credit card for gas purchases

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.
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Our thoughts

While the Costco Anywhere Visa® Card by Citi is only available to Costco members, it's well worth it considering it offers 4% cash back on gas purchases. That's one of the most generous cash back rates on gas currently available. The 4% rate is limited to the first $7,000 per year, but you'll still be able to earn 1% thereafter. A Costco membership currently costs $60 per year, so if you've been eyeing purchasing a membership, this may be a perfect excuse to do so. The card will also help you save at Costco, where it will earn you 2% cash back on every purchase.

Pros:

  • $0 annual fee
  • 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
  • 0% foreign transaction fees make it great for travel

Cons:

  • Requires a Costco membership
  • There's no sign-up bonus available
  • You'll have to wait to redeem your rewards until February of each year and rewards must be redeemed for cash or merchandise at a Costco warehouse store
  • You forfeit your rewards if you cancel your membership before you receive your certificate in February

Best Citi credit card for balance transfers: Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

  • On Citibank's Secure Website

$0

14.74% - 24.74% (Variable)

Excellent

  • 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.
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Our Thoughts

The balance transfer offer by the Citi® Diamond Preferred® Card (intro APR 0% for 18 months on Purchases from date of account opening and intro APR 0% for 18 months on Balance Transfers from date of first transfer) is one of the longer offers available on a balance transfer credit card. The extra months of 0% interest you get is ideal if you're looking to pay down existing high-interest debt. After the intro period expires, you can expect an APR of 14.74% - 24.74% (Variable). What makes the card even better is that it doesn't have an annual fee, meaning it won't place an additional strain on your finances.

Pros:

  • $0 annual fee
  • Market leading 0% intro APR offer

Cons:

  • The card offers no ongoing rewards
  • No sign-up bonus
  • You have to pay a fee to transfer your balance (a few competing cards offer introductory balance transfer offers with no fee)

Best Citibank credit card for everyday spending

Citi Rewards+℠ Card

  • On Citibank's Secure Website

$0

13.49% - 23.49% (Variable)

Excellent

  • 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 and purchases for 15 months. 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.
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Our thoughts

The Citi Rewards+℠ Card is great for earning rewards on day-to-day purchases. Cardholders 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. This card is unique because you’ll earn a minimum of 10 points on every purchase, and your points round up to the nearest 10. This is particularly helpful if you tend to make small individual purchases. For example, a cup of coffee that costs $4 that would effectively earn you 10 points. Finally, the card offers a decent sign-up bonus for a no-annual-fee card: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.

Pros:

  • $0 annual fee
  • Decent sign-up bonus: 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
  • Points round up to the nearest 10
  • You’ll earn 10% of redeemed points back at end of year on the first 100,000 redeemed points

Cons:

  • Not great for high spenders — you can get a better value with other cashback cards
  • Foreign transaction fees aren’t waived

FAQs about Citi credit cards

Here are some common questions about credit cards from Citibank.

Which Citi credit card is easiest to get?

Citi credit cards require excellent credit for approval. However, we recommend the Citi Simplicity® Card - No Late Fees Ever for people who have excellent credit but are just starting out with credit cards. This card doesn't earn any spending rewards, but it comes with no late fees, no penalty rate and no annual fee. This is convenient for folks learning how to use a credit card and build excellent financial habits.

What score do you need for a Citi credit card?

As mentioned above, most credit cards issued by Citi require an excellent credit score. If your score is below 670, you should consider opening a secured credit card to first build a score above 700. After you have an excellent score, a variety of cards will be available to you.

Are Citi ThankYou Rewards worth it?

The rewards you accumulate with most Citi credit cards are called Citi ThankYou Rewards and are generally viewed as being less valuable than rewards offered by other credit card issuers, like American Express or Chase. This is mainly because Chase and American Express have more useful travel partners where you can transfer your rewards over, usually at a 1:1 ratio. This translates to having more redemption options, which ultimately allows you to get more value out of your rewards. Despite Chase and Amex having better rewards programs, Citi ThankYou Rewards can be flexible, as they can be redeemed for gift cards, cash rewards or charity donations.

The information related to the Citi Simplicity® Card - No Late Fees Ever, CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® and the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® have been independently collected by ValuePenguin and have not been reviewed or provided by the issuer of this card prior to publication.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

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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).