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Best Citi Credit Cards

Find the right Citi credit card for you

We publish unbiased product reviews; our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.

Citi is one of the largest credit card issuers in the United States in terms of cards in circulation and outstanding balances. It was also among the first issuers of rewards credit cards, having launched the American Airlines AAdvantage card in the 1980s and the Shell Mastercard in the early 1990s. Today, Citi offers a wide array of cards, including balance transfer, rewards, student, and secured credit cards. To save our readers time, we’ve done extensive research to single out the best Citi credit cards based on the needs of individual consumers and small business owners.

Best Citi Credit Cards for November 2021

Best Overall, Best for Cash Back : Citi® Double Cash Card


Rating as a Citi Card
4.8
Citi® Double Cash Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 23.99% variable
Annual Fee $0
Rewards Earning Rate Earn 2% unlimited cash back on every purchase you make: 1% when you buy plus 1% as you pay.
INTRO BALANCE TRANSFER APR 0% for 18 Months
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 3%
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

The Citi Double Cash Card is our choice for the best overall Citi card as well as Citi's best cash back card. Double Cash is the gold standard for cash back rewards, with 1% back on purchases followed by another 1% when you pay your bill. There is no one-time bonus, but the lack of an annual fee and the card's ongoing rewards structure on all purchases make it a winner.

Pros & Cons
Pros
  • Ability to earn an outstanding 2% cash back rewards on unlimited purchases

  • Generous introductory APR on balance transfers

  • Have four months to complete a balance transfer

Cons
  • No one-time bonus

  • $25 minimum for cash back redemption

  • No purchase APR promo

Best for Points : Citi Rewards+℠


Rating as a Citi Card
4.5
Citi Rewards+℠
Current Offer

For a limited time, earn 20,000 bonus points after spending $1,500 within the first 3 months of account opening, redeemable for $200 in gift cards.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.49% - 23.49% variable
Annual Fee $0
Rewards Earning Rate Earn 2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year and 1X points on all other purchases.
INTRO PURCHASE APR 0% for 15 Months
INTRO BALANCE TRANSFER APR 0% for 15 Months
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 3%
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

Our choice for Citibank's best card for points is the Citi Rewards+. It earns 2x points at supermarkets and gas stations (up to $6,000) and 1x points everywhere else. Every purchase receives a boost to the nearest 10 points, so a $2 purchase earns 10 points instead of two. The card includes a bonus of 20,000 points after spending $1,500 within three months for a limited time, and you'll get 10% of the first 100,000 points you redeem each year. It also includes a 0% intro APR promo for 15 months on purchases and balance transfers.

Pros & Cons
Pros
  • Automatic point-earning boost on all purchases

  • Competitive introductory 0% APR offers

  • For the first 100,000 points you redeem, you’ll get 10% of them back

  • No annual fee

Cons
  • Points-earning rate is low without extra rewards features

  • Lots of rewards program rules to learn

Best for Students : Citi Rewards+℠ Student Card


Rating as a Citi Card
4.3
Citi Rewards+℠ Student Card
Current Offer

Earn 2,500 Bonus Points after you spend $500 in purchases with your card within the first 3 months of account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.49% - 24.49% variable
Annual Fee $0
Rewards Earning Rate Earn 2X points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter. Plus, earn 1X point on all other purchases.
INTRO PURCHASE APR 0% for 7 Months
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 3%
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

The Citi Rewards+ Student Card is the best Citi credit card for students based on its earning power and APR promo on purchases. It earns 2x points on grocery and gas purchases (up to $6,000), while everything else earns one point per dollar. Every purchase is rounded up to the next 10 points, so small transactions can earn outsized rewards. New cardholders can earn a small bonus and receive a 0% APR on purchases for seven months. Unfortunately, this card is not accepting new applications at this time.

Pros & Cons
Pros
  • Strong rewards for category spending

  • No annual fee

  • 0% APR on purchases for seven months

Cons
  • No balance transfer promotional rate

  • Charges a foreign transaction fee

  • Purchase APR promo is shorter than normal

Best for Balance Transfer : Citi Simplicity®


Rating as a Citi Card
4.1
Citi Simplicity®
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.74% - 24.74% variable
Annual Fee $0
INTRO BALANCE TRANSFER APR 0% for 21 Months
INTRO PURCHASE APR 0% for 12 Months
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Rewards Earning Rate This card does not offer a rewards program.
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

Citi Simplicity is our pick for the best Citi balance transfer card because of its 0% APR on transfers and new purchases that extends for 21 months from the date of account opening. While many balance transfer cards require transfers to be completed within 60 to 90 days, the Simplicity card gives you four months. There is a $5 or 5% of the amount of each transfer (whichever is greater), but that can be justified if you're moving a significant balance from a high-interest card.

Pros & Cons
Pros
  • Outstanding 0% APR offer for 21 months from account opening on balance transfers

  • 0% introductory APR offer on new purchases for 12 months from account opening

  • No late fees, penalty rates, or annual fees

Cons
  • 3% foreign transaction fee

  • No rewards program or one-time bonus offer

  • Limited value after APR promos expire

Best Airline : Citi® / AAdvantage® Platinum Select® World Elite Mastercard®


Rating as a Citi Card
4.2
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Current Offer

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

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases. Plus 1 mile for every $1 spent on other purchases.
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

We chose the Citi / AAdvantage Platinum Select World Elite Mastercard as Citi's best airline credit card because of its one-time bonus, enhanced earnings opportunities on American Airlines, global dining, and gasoline purchases as well as its exceptional per-mile value. Cardholders also receive the first checked bag for free, priority boarding, and 25% off in-flight food and beverage purchases. The card has a $99 annual fee, but it is waived the first year.

Pros & Cons
Pros
  • Generous 50,000-mile one-time bonus after spending $2,500 in the first three months of account opening

  • Strong 2x miles per dollar rewards on flight purchases, dining, and gas

  • Spending can help earn or maintain elite status

  • No annual fee the first year

Cons
  • Maximizing rewards value requires savvy—and probably an international destination

Best Business : CitiBusiness® / AAdvantage® Platinum Select® Mastercard®


Rating as a Citi Card
3.5
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Current Offer

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

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per $1 on eligible American Airlines, telecommunication, cable and satellite providers, car rentals and gas station purchases. Earn 1 mile per $1 on other purchases.
Cash Advance APR (%) 25.24%
Cash Advance Fee Either $10 or 5% of the amount of each transfer, whichever is greater.
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

The CitiBusiness / AAdvantage Platinum Select Mastercard is Investopedia's choice for best Citi business card due to its substantial bonus and travel benefits, like priority boarding, free first checked bag for up to four travel companions, and no foreign transaction fees. Travel-related earnings opportunities are also impressive, with 2X miles on American Airlines, gasoline, and car rentals. Business owners can also earn additional miles on spending with free employee cards.

Pros & Cons
Pros
  • Excellent one-time offer

  • Useful travel extras on American Airlines

  • No foreign transaction fees

Cons
  • Annual fee applies after the first 12 months

Best for No Credit History : Citi® Secured Mastercard®


Rating as a Citi Card
3.5
Citi® Secured Mastercard®
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 22.49% variable
Annual Fee $0
Minimum Deposit to Activate $200
Pay deposit in installments No
Allows upgrade to unsecured card Yes
Rewards Earning Rate This card does not offer a rewards program.
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

The Citi Secured Mastercard is our pick as the best Citi card for those with little or no credit history. It provides access to a credit line with a deposit as low as $200 and credit-building potential with responsible use. There are many secured cards on the market, but it can be advantageous to begin your credit journey with a major issuer like Citi that can provide a wide array of non-secured options once you've established a solid credit history. The Citi Secured Mastercard also has no annual fee.

Pros & Cons
Pros
  • No annual fee

  • Minimum credit line of $200

  • Free credit score

Cons
  • No rewards

Final Verdict

Citi has many credit cards for a variety of financial goals. Its cards earn rewards, offer 0% APR promos, build credit, and more. When selecting Citibank's best credit card, we wanted a card that offered a combination of the best rewards and perks available. Our choice for the best Citi credit card is the Citi Double Cash Card. It earns unlimited 2% cash back, has no annual fee, and offers 18 months of no-interest financing on balance transfers for new cardholders.

Compare the Best Citibank Credit Cards

Credit Card Annual Fee  Intro Offer Rewards
Citi Double Cash Card
Best Overall, Best for Cash Back
$0 0% APR for 18 months on balance transfers 1% on spend and 1% on payments
Citi Rewards+
Best for Points
$0  20,000 points after $1,500 in 3 months 2x on gas; Rounds up to nearest 10 points
Citi Rewards+ Student Card
Best for Students
$0  Not available 2x on gas; Rounds up to nearest 10 points
Citi Simplicity
Best for Balance Transfer
$0  0% APR for 18 months on purchases & balance transfers None
Citi / AAdvantage Platinum Select World Elite Mastercard
Best Airline
$99 (first year waived) 50,000 miles after $2,500 within 3 months 2x on dining, gas & AA
CitiBusiness / AAdvantage Platinum Select Mastercard
Best Business
$99 (first year waived) 65,000 miles after $4,000 in 4 months 2x cable, telecom, car rentals, gas & AA
Citi Secured Mastercard
Best for No Credit History
$0 Min credit line of $200 None

Editorial Picks for Best Citibank Credit Cards

Citi Double Cash Card

Best Overall, Best for Cash Back

The Citi Double Cash Card is the best overall and best for cash back because it earns an unlimited 2% on all purchases: 1% on purchases and 1% when you pay your balance. The card also gives you four months to take advantage of the 0% APR promo for 18 months on balance transfers.

Read the full Citi® Double Cash Card Review

Citi Rewards+

Best for Points

The Citi Rewards+ is the best for points based on the earnings boost and rebate on redemptions. Every purchase is rounded up to the next 10 points and you'll receive a 10% rebate on the points you redeem.

Read the full Citi Rewards+℠ Review

Citi Rewards+ Student Card

Best for Students

The Citi Rewards+ Student Card offers many of the same benefits as the standard version of the card but is designed for students. It even includes a 0% APR promo on purchases to give students more time to pay off their spending.

Read the full Citi Rewards+℠ Student Card Review

Citi Simplicity

Best for Balance Transfer

The Citi Simplicity gives cardholders 18 months of no-interest financing on purchases and balance transfers with some of the lowest balance transfer fees available. It has no annual fee and does not charge late fees or a penalty APR should you miss a payment.

Read the full Citi Simplicity® Review

Citi / AAdvantage Platinum Select World Elite Mastercard

Best Airline

People who fly American Airlines receive many travel perks that save money and time with the Citi / AAdvantage Platinum Select World Elite Mastercard. Your purchases earn a bonus on American flights, dining, and gas and can help you earn elite status.

Read the full Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Review

CitiBusiness / AAdvantage Platinum Select Mastercard

Best Business

Business owners can turn their expenses into free flights with the CitiBusiness / AAdvantage Platinum Select Mastercard. It includes free checked bags and priority boarding, plus there are no foreign transaction fees while traveling internationally.

Read the full CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Review

Citi Secured Mastercard

Best for No Credit History

The Citi Secured Mastercard helps people build their credit with credit lines ranging from $200 to $2,500, depending on their security deposit. It reports to all three credit bureaus and includes free access to your FICO score online.

Read the full Citi® Secured Mastercard® Review

Types of Citi Credit Cards

Citi primarily issues Mastercard network-branded cards, along with a few cards through the American Express network. Citi offers a variety of card types for both consumers and small businesses in the following categories:

  • Cash back credit cards
  • Generic travel points
  • Airline miles
  • 0% APR promotions
  • Co-branded cards
  • Secured cards
  • Small business

How Citi's ThankYou® Rewards Program Works

Citi offers multiple cards that earn ThankYou Rewards points, which is Citi's propriety rewards platform. ThankYou points can be redeemed through Citi for airline travel, hotel stays, cash back, merchandise, or gift cards.

The following Citi cards earn ThankYou Rewards:

  • Citi Rewards+
  • Citi Prestige
  • Citi Premier
  • AT&T Access Card from Citi

Aside from the Citi ThankYou Rewards program, Citi offers other rewards cards that include cash back (as with Citi Double Cash) and partner-based programs like airline and travel co-branded cards.

Is a Citi Credit Card Right for Me?

Citibank offers a variety of credit cards to fit the needs of a variety of consumers and small businesses. The bank has cards that earn cash back, flexible points, or airline miles, while many offer 0% APR promos and other attractive benefits. It even offers secured credit cards for customers rebuilding their credit. With so many cards to choose from, Citibank has something for everyone.

What Credit Score Is Needed for a Citi Credit Card?

Citi generally targets consumers and small business owners with good to excellent credit, though it does offer student and secured card products that can accommodate those with less credit history or lower credit scores.

The score needed to get approved for the best Citi credit cards depends on which card you are applying for. While most options require anywhere from 670 to 850 in FICO scores, the bank also has a secured card for people who need help with their credit.

Can You Have More Than One Citi Credit Card?

Yes, as long as your credit enables you to get approved, you may have more than one credit card. Citibank restricts bonuses on new applications if you've received a bonus from the same card, or family of cards, in the previous two to four years, depending on the card being applied for.

How Good Is Citi Customer Service?

Citi received a score of 801 out of 1,000 points in the 2020 J.D. Power U.S. Credit Card Satisfaction Study. The average score among major national issuers was 810. Citi offers online access to FICO credit scores through its mobile app and through its secure website when cardholders are logged in.

What Is the History of Citi?

Citi credit cards are issued by Citibank, which itself is part of the global financial services giant Citigroup. Citi began issuing credit cards in the 1960s in New York City but greatly expanded its reach in the early 1980s when it took advantage of South Dakota's repeal of usury laws that had restricted the amount of interest banks could charge customers. The new law also allowed banks headquartered in that state to charge higher interest to residents of other states, a move that was upheld in a landmark Supreme Court ruling. As a result, Citi moved its credit card operations from New York to South Dakota and grew rapidly by leveraging the mass medium of the day—direct mail—to make these higher-rate offers to consumers across the nation. Through these efforts, Citi's credit card operations changed from being the least profitable to the most profitable division among Citigroup.

Today Citi offers a variety of cards to consumers and small business owners, with rewards that include cash back, points, and miles. Its cards also provide options for cardholders wishing to transfer balances, manage spending, and plan for larger purchases. In addition, Citi maintains co-brand partnerships with major air carriers like American Airlines and major travel sites like Expedia.

Methodology

We reviewed all of the Citibank credit cards to capture annual fees, rewards, interest rates, one-time bonuses, benefits, and more. These data points were analyzed and ranked to help us determine the best Citi credit cards for a variety of users. This list of the best credit cards from Citibank reflects the results of our calculations. To keep this list current, we constantly monitor the Citi website for changes so that we can provide you with the most current rankings.

MEET OUR CREDIT CARDS EXPERT

Ben Woolsey is Investopedia's Associate Editorial Director of Financial Products and Services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. J.D. Power. "J.D. Power 2020 U.S. Credit Card Satisfaction Study." Accessed Feb. 18, 2021.

  2. The Atlantic. "How Citibank Made South Dakota the Top State in the U.S. for Business." Accessed Feb. 18, 2021.