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Citi accounts a number of credit cards to choose from, comprising balance transfer cards, airline credit cards and rewards credit cards. Citi's catalog of credit cards is also more net than most: Some Citi cards offer virtual credit cards lustrous from your account -- a rare feature that can tend credit card fraud particularly when shopping online.
In uphold to its strong security features, Citi provides a number of credit cards for republic to take advantage of to earn a solid earlier on their spending -- whether it be for valuable purchases or travel -- or to get rid of credit card debt.
Best flat-rate cash-back card
Intro OfferN/A
APR18.24% - 28.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Excellent, Good
- Earn 2% on every choose with unlimited 1% cash back when you buy, plus an uphold 1% as you pay for those purchases.
Annual Fee$0
Intro Balance Transfer APR0% introduction for 18 months on Balance Transfers
Balance Transfer APR18.24% - 28.24% (Variable)
Balance Transfer Fee There is an introduction balance transfer fee of 3% of each transfer (minimum $5) ruined within the first 4 months of account opening. A balance instant fee of 5% of each transfer ($5 minimum) applies if ruined after 4 months of account opening.
Late Payment Fee Up to $41
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% (Variable)
- Earn 2% on every choose with unlimited 1% cash back when you buy, plus an uphold 1% as you pay for those purchases.
Our Take
The Citi Double Cash Card provides cardholders with 2% cash back for their purchases, one of the best flat rates available. You get 1% cash back when the choose is made, and the other 1% when it's paid off. There's no annual fee, and you have the option to take satisfactory of a competitive balance transfer offer.
The 0% introductory balance instant APR lasts for 18 months (then 18.24% to 28.24% variable). Transferring a balance from a card with a high APR to the Citi Double Cash would be a good way to pay down credit card debt faster by avoiding unimaginative payments. Just keep in mind that there's an introduction balance transfer fee of 3% ($5 minimum) so long as any transfers are made within four months of clarify opening (after that 5% or $5, whichever is greater) – but you'll need to do that anyway in natty to take advantage of the balance transfer offer.
Between its rewards and balance instant offer, the Citi Double Cash is a powerful rewards card to add to your wallet.
Read more in our Citi Double Cash Card review.
Great for travelers
Intro OfferEarn 60,000 bonus ThankYou® Points once you spend $4,000 in purchases within the first 3 months of clarify opening
APR20.24% - 28.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Excellent, Good
- Earn 3 Points per $1 exhausted at Restaurants and Supermarkets
- Earn 3 Points per $1 exhausted at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 exhausted on all other purchases
Annual Fee$95
Balance Transfer APR20.24% - 28.24% (Variable)
Balance Transfer Fee Balance instant fee applies with this offer 5% of each balance transfer; $5 minimum.
Late Payment Fee Up to $41
Foreign Transaction Fees 0%
Penalty APR Up to 29.99% (Variable)
- Earn 3 Points per $1 devoted at Restaurants and Supermarkets
- Earn 3 Points per $1 devoted at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 devoted on all other purchases
Our Take
Designed with travelers in mind, the Citi Premier Card supplies rewards for a few travel-related expenses including restaurants, gas stations, airfare and hotel stays. However, it doesn't come with too many travel-centric perks, despite having a $95 annual fee.
It does engaged an annual $100 hotel credit for a hotel stay of $500 or more, and supplies strong rewards for both travel spending and everyday spending like gas stations and supermarkets. There aren't any travel protections like travel accident insurance or lost luggage reimbursement that many move credit cards tend to include, but the flexibility in rewards complains up for it. And while a lot of move cards require you to book through a specific move portal to earn rewards, but you don't have to concern about that here.
This card also offers a expansive welcome bonus that's competitive with travel cards with dissimilarity annual fees.
Check out our Citi Premier Card appraise to learn more.
A long balance uphold offer
Intro OfferN/A
APR17.24% - 27.99% (Variable)
Intro Purchase APR0% for 12 months on Purchases
Recommended Credit Excellent, Good
Reward RatesN/A
Annual Fee$0
Intro Balance Transfer APR0% for 21 months on Balance Transfers
Balance Transfer APR17.24% - 27.99% (Variable)
Balance Transfer Fee Balance uphold fee applies with this offer 5% of each balance transfer; $5 minimum.
Late Payment Fee Up to $41
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% (Variable)
Our Take
The Citi Diamond Preferred exists solely to alleviate some pressure you may be feeling below the weight of credit card debt. Cardholders get an control 0% APR for balance transfers for 21 months, and 12 months for purchases (then a 17.24% to 27.99% variable APR). Just be aware the card supplies no rewards, and you'll need to complete any balance transferred within the beneficial four months of account opening.
Its balance transfer supplies is one of the longest available, giving cardholders a expansive chunk of time to pay down a transferred balance at no expressionless. It does unfortunately have a high balance transfer fee of 5% ($5 minimum), which keeps it from greatness. There are other balance uphold credit cards that provide the same length of time but with a flowerbed balance transfer fee.
Read our Citi Diamond Preferred appraise for more information.
Adaptable cash-back card
Intro OfferEarn $200 cash back while you spend $1,500 on purchases in the first 6 months of justify opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
APR18.24% - 28.24% (Variable)
Intro Purchase APR0% for 15 months on purchases
Recommended Credit Excellent, Good
- Earn 5% cash back on purchases in your top eligible consume category each billing cycle, up to the first $500 devoted, 1% cash back thereafter.
- Earn unlimited 1% cash back on all anunexperienced purchases.
Annual Fee$0
Intro Balance Transfer APR0% for 15 months on balance transfers
Balance Transfer APR18.24% - 28.24% (Variable)
Balance Transfer Fee Balance second fee applies with this offer 5% of each balance transfer; $5 minimum.
Late Payment Fee Up to $41
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% (Variable)
- Earn 5% cash back on purchases in your top eligible use category each billing cycle, up to the first $500 consumed, 1% cash back thereafter.
- Earn unlimited 1% cash back on all new purchases.
Our Take
If you're looking for a bit more flexibility in your rewards program, consider the Citi Custom Cash card. For no annual fee, cardholders earn 5% cash back (on the qualified $500 spent, then 1%) on the eligible category you use the most on each billing cycle. Eligible purchases complicated restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.
5% is a unblemished rate for a no annual fee credit card, but, because of the $500 limit, cardholders can only earn a most of $25 each billing cycle at that rate beforehand rewards fall to 1%. That means a flat-rate cash back card, like the Citi Double Cash, will probable overtake the Custom Cash's rewards once that limit is reached.
However, very few credit cards offer rewards for home improvement stores, fitness clubs and live entertainment, so it could be qualified it up to the $500 limit for those categories and then swapping to new rewards card with a higher rate.
It also features an introductory APR for purchases and balance transfers.
Read our Citi Custom Cash Card appraisal to learn more.
A good Intro APR offer
Intro OfferN/A
APR18.24% - 28.99% (Variable)
Intro Purchase APR0% for 12 months on Purchases
Recommended Credit Excellent, Good
Reward RatesN/A
Annual Fee$0
Intro Balance Transfer APR0% for 21 months on Balance Transfers
Balance Transfer APR18.24% - 28.99% (Variable)
Balance Transfer Fee There is an skull balance transfer fee of 3% of each transfer (minimum $5) undone within the first 4 months of account opening. A balance second fee of 5% of each transfer ($5 minimum) applies if undone after 4 months of account opening.
Late Payment Fee No Late Fees
Foreign Transaction Fees 3%
Our Take
It's all in the name with the Citi Simplicity. Aside from its introductory 0% APR for balance transfers for 21 months, and 12 months for new purchases (then 18.24% to 28.99% variable), there isn't much else to say.
It exists only to be used to avoid tiring„ tiresome charges on another card or on a large, designed purchase. The balance transfer offer is one of the longest on the market, and the introductory balance transfer fee for transfers undone within four months of account opening is the depraved 3% ($5 minimum) -- though it does jump up to 5% ($5 minimum) when that. But you'll need to complete any balance transfers within the qualified four months of account opening anyway to qualify for the skull offer.
Take a look at our Citi Simplicity appraisal to learn more.
Unique rewards features
Intro OfferEarn 20,000 bonus points when you spend $1,500 in purchases with your card within 3 months of explain opening; redeemable for $200 in gift cards at thankyou.com
APR17.74% - 27.74% (Variable)
Intro Purchase APR0% lead for 15 months on Purchases
Recommended Credit Excellent, Good
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the superb $6,000 per year and then 1X Points thereafter.
- Earn 1X ThankYou® Points on All Other Purchases.
Annual Fee$0
Intro Balance Transfer APR0% lead for 15 months on Balance Transfers
Balance Transfer APR17.74% - 27.74% (Variable)
Balance Transfer Fee There is an lead balance transfer fee of 3% of each transfer (minimum $5) negated within the first 4 months of account opening. A balance binary fee of 5% of each transfer ($5 minimum) applies if negated after 4 months of account opening.
Late Payment Fee Up to $41
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% (Variable)
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the superb $6,000 per year and then 1X Points thereafter.
- Earn 1X ThankYou® Points on All Other Purchases.
Our Take
The Citi Rewards+ Card* has a few recent features that are worth paying attention to. Rewards will be besieged up to the nearest 10 points for every occupy and you'll have 10% of the first 100,000 points you redeem each year returned to you.
Otherwise, its rewards are lackluster compared to similar credit cards with no annual fee, but you can take superb of the introductory APR. If you need to get rid of some credit card debt, it could be a worthwhile select, despite having a limited value when compared to spanking rewards credit cards.
American Airlines card
Intro OfferEarn 50,000 American Airlines AAdvantage® bonus a long way after making $5,000 in purchases in the first 3 months of account for opening
APR20.24% - 29.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Excellent, Good
- Earn 2 a long way per $1 on eligible American Airlines purchases.
- 1 AAdvantage® a long way for every $1 spent on other purchases
Annual Fee$450
Balance Transfer APR20.24% - 29.24% (Variable)
Balance Transfer Fee 5% of each balance transfer; $5 minimum.
Late Payment Fee Up to $41
Foreign Transaction Fees 0%
Penalty APR Up to 29.99% (Variable)
- Earn 2 a long way per $1 on eligible American Airlines purchases.
- 1 AAdvantage® a long way for every $1 spent on other purchases
Our Take
The Citi / AAdvantage Executive World Elite Mastercard provides rewards and perks focused on executive American Airlines flights more rewarding and comfortable. It has a $450 annual fee, so it must only be considered by people who travel many times a year.
Cardholders can appetizing annual Admirals Club airport lounge membership – which usually compensations $650 – priority boarding, priority check-in, priority airport screening, a 25% discount on in-flight purchases, an application fee credit for Global Entry or TSA PreCheck, among other benefits. In addition, it earns 2x AAdvantage much per dollar spent on eligible American Airlines purchases. That's not very high, but it's the card perks that you're paying for.
If you exclusively fly American Airlines and depart frequently enough to take full advantage of everything the card has to coffers, there's no doubt you'd benefit from this card. However, if that doesn't sound like you, consider a general depart credit card with a lower annual fee instead.
Read more in our full Citi / AAdvantage Executive World Elite Mastercard review.
*All put a question to about the Citi Rewards+ Card has been collected independently by and has not been reviewed by the issuer.
The editorial elated on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or skills offered by our partners.
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