The easiest Citi card to get is the Citi Secured Mastercard. Your information is protected by 256-bit encryption. While we adhere to strict Best No-Annual-Fee American Airlines Card. The card charges no foreign transaction fees but offers few other major benefits beyond its reward earning and welcome bonus. : ', '}}. Bankrates two best-ranked Citi cards are the Citi Custom Cash Card, great for those who want rewards without the hassle of rotating categories, and the Citi Premier Card, which earns rewards on travel and everyday purchases. how we rate our cards If you qualify for a card that offers cash back or credit card rewards, those can be a valuable benefit. Answer a few questions and see if youre likely to be approved in less than a minutewith no impact to your credit score. However, if you carry a balance or make a late payment, the cards high variable APR and penalty charges make it a deal breaker. Read our full Citi Double Cash Card review. Then, click the Sign On to access your online account. The Costco Anywhere Visa Card by Citi offers cardholders cash back on gas, restaurant, travel purchases and purchases from Costco and Costco.com. Many decisions come back instantly, though in some cases there may be a wait of up to a week or two while Citi verifies your information. Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year, then 1% thereafter;Read More. This is one of the best cards for the retailer, which only accepts credit cards backed by Visa at its warehouses. Intro APR does not apply to purchases. It has no spending limit, no restrictions and each cardholder has a dedicated relationship manager. The closest candidate would be the Citi Secured Mastercard, but it's marketed in the "no credit history" category. But this shouldn't be an issue since you need a membership to shop at the warehouse (unless you piggyback off a family member or friend's membership). Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits. Considering that all authorized cardholders are eligible, this can be an incredible value. 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. See our methodology, terms apply. Our experts have been helping you master your money for over four decades. Earn 2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter. 1 point per dollar on allRead More. Every reasonable effort has been made to maintain accurate information. Citi has a robust list of travel partners where you can transfer points. But purchases are limited to the affiliated merchant or its website. Why We Like It: The Citi Diamond Preferred Card is the best Citibank credit card for 0% introductory APRs because new cardholders get 0% for 12 months on purchases as well as 0% for 21 months on balance transfers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. 0% Intro APR on balance transfers and purchases for 15 months. If you're looking for a variety of opportunities to earn travel rewards, the Citi Premier Card provides a way to expand your horizons. Is the Citi Diamond Preferred Card hard to get? Select teamed up with location intelligence firm Esri. Rewards: 2 miles for every dollar spent on cable and satellite providers, select telecommunications merchants, eligible American Airlines purchases, car rentals, and gas stations and 1 mile for every dollar spent on other purchases. All Rights Reserved. In addition to popular rewards cards for consumers, Citi issues business credit cards, balance transfer cards and even a secured credit card. Plus, for a limited time, earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024. Who's this for? A near-clone of the consumer Costco Anywhere Visa Card mentioned elsewhere in the article, the Costco Anywhere Visa Business Card by Citi* offers excellent cash back, plus purchase protection from damage and theft and worldwide car rental insurance. A Costco membership is required to apply, No annual fee with your paid Costco membership, Only available to people with paid Costco Business memberships, Exclusively for Costco Members: Go Big with Cash Back Rewards. Cardholders have four months to complete their balance transfer, which is longer than the typical 60 to 90 days. Not all cards come withr the same types of benefits, either. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. Read our full Citi Premier Card review or jump back to offer details. We need the last four digits of your Social Security number to run a soft credit pull. Best for Unique Earning and Redeeming Structure. Other Benefits and Drawbacks: Though certainly light on the extras, the card ultimately does one thing right: low introductory APR for balance transfers or financing large purchases. Beyond balance transfers, this card also offers a 0% APR for the first 12 months on purchases (after, 18.99% - 29.74% variable APR). show more From generous cash back rewards to lengthy balance transfer offers, theres something for nearly every type of cardholder. The Citi Rewards+ Card also provides another great way to maximize rewards by giving you 10% of your points back for the first 100,000 ThankYou Points you redeem per year. What We Dont Like: You have to place a refundable security deposit of at least $200, and the amount you put down will be your credit limit. Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit Cards. The Citi credit cards you qualify for will depend on your credit score and overall credit profile so it may be more important to look for a Citi credit card that has specific features that are best for you. Why We Like It: The Citi Premier Card is the best Citi credit card for bonus rewards. Please try entering your full information again to view your approval odds. Earn 60,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening. 0% for 21 months on balance transfers; 0% for 12 months on purchases. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. Rewards: 2 AAdvantage miles per dollar spent on eligible American Airlines purchases and 1 mile per dollar spent on all other purchases, Welcome Bonus: 50,000 American Airlines AAdvantage bonus miles after $5,000 in purchases within the first 3 months of account opening. Earn 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. This can be worthwhile if you're paying high interest charges. John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. Citibank does have options for people with limited credit, though, which means its not as hard to get a Citibank credit card as it is to get a card from some other issuers. But the card comes with a catch: You must be a Costco member to apply for the card. They can also enjoy a great intro APR offer on both purchases and balance transfers. Like the two prior cards, the Simplicity Card has no annual fee, but it does come with an introductory balance transfer fee: either 3% ($5 minimum) for transfers completed within the first 4 months of account opening, then up to 5% ($5 minimum). Who its for: If youre seeking a lucrative cash back card with a simple rewards structure, this is the card for you. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Balance transfers must be completed within 4 months of account opening. The card charges no annual fee, has a relatively high standard APR and offers no rewards and only the standard convenience benefits Citi includes with Citi-branded cards. Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. That means: We only use your info to run a soft credit pull, which wont impact your credit score, All of your personal information is protected with 256-bit encryption. The card comes with the Citi Lost Wallet feature, providing a replacement card within 24 hours, along with other security and fraud protections. This commission does not influence the opinions, recommendations, or placement of any products on our site. To determine which credit cards offer the best value, CNBC Select analyzed Citi credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. Please download one of these up-to-date, free and excellent browsers: Enter your cell phone number and well send you a link to install the WalletHub app. With Citi Entertainment, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. APR: variable, 15.49%. Cardholders receive rewards once a year via an annual reward certificate that's only redeemable at U.S. Costco Warehouses. The easiest way you can pay your Citibank credit card bill is either online or through the Citi mobile app. It is reportedly reserved for people who spend at least $100,000 per year, and an invitation is needed to apply. Additionally, the introductory APR offer may appeal to some: a 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 18.74% - 29.49%, based on your creditworthiness. The 3% foreign transaction fee and a lack of perks will turn off frequent international travelers. Best Debt Consolidation Loans for Bad Credit, Personal Loans for 580 Credit Score Lower, Personal Loans for 670 Credit Score or Lower, Earn more with a high yield savings account, always pay on time to avoid damage to your credit score, We analyzed, and here are the best American Express cards for each type of consumer, Here are the best Chase credit cards for earning rewards and getting out of debt, Here are the best Capital One credit cards for cash back, travel and 0% APRs, The loan-to-value ratio affects what type of mortgage you're eligible for and how much it costs, Use Capital One miles or cash rewards for exclusive MLB tickets, Fed raises rates again why this is the perfect time to open a flexible CD, Simple cash-back program that doesn't require activation or spending caps, One of the longest intro periods for balance transfers at 18 months. Menu. And six years later, the Citi Double Cash Card remains one of the best cash-back cards. Rewards: 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year, then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com and 1% cash back on all other purchases. Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card's overall value. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offers details page using the designation "Sponsored", where applicable. Plus, you need to pay off your purchases to get the full allotment of rewards. You should. Balances can be transferred within 4 months from account opening, One of the longest intro periods for balance transfers, Unlimited 3 points per $1 spent at gas stations. The information, including card rates and fees, is accurate as of the publish date. Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year, then 1% thereafter; Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1%, Earn 2X miles for every $1 spent on cable and satellite providers and on select telecommunications merchants; Earn 2X miles, Earn 2X AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services; Earn 2X AAdvantage miles on, Earn 10,000 American Airlines AAdvantage bonus miles and a $50 statement credit after spending $500 in purchases within the first 3 months of account opening. this post may contain references to products from our partners. Conduct informed research before deciding which cards will best help you achieve your financial goals. Pairing Citi cards increases rewards potential: There are plenty of opportunities to pair cards to maximize value. With 4% back on eligible gas and EV charging purchases, 3% on restaurants and travel and 2% on your Costco shopping, this card has the potential to reward Costco shoppers and road warriors generously. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Your financial situation is unique and the products and services we review may not be right for your circumstances. You have money questions. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Who's this for? Plus, for a limited time, earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi TravelSM portal through June 30, 2024 . To earn cash back, pay at least the minimum due on time. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. Compare cards in one place to find the one for you. Why We Like It: The Costco Anywhere Visa Card by Citi is the best Citi credit card for travel and dining. Citi has a wide selection of credit cards, each of which has a distinct set of built-in benefits and advantages. Citibank allows cardholders to set up automatic payments, too. Seeing your results won't hurt your credit score. The Citi Rewards+ Card the only credit card that automatically rounds up to the nearest 10 points on every purchase with no cap. However, credit score alone does not guarantee or imply approval for any financial product. Start making moves toward your money goals and compare your debt management options. Cardholders earn 4% cash back on gas, up to $7,000 spent per year, making it good for road trips. 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. An intro balance transfer fee of either $5 or 3%, whichever is greater, applies to transfers completed within the first 4 months of account opening. How hard is it to get a Citibank credit card? You can use it to borrow for other financial goals. (Learn more about how to redeem Costco credit card rewards.). 60,000 ThankYou Points are redeemable for $600 in gift cards or travel rewards at thankyou.com, No expiration and no limit to the amount of points you can earn with this card. Who's this for? Citi is a prolific purveyor of credit cards and has even more than we listed here. The information about the Citi / AAdvantage Platinum Select World Elite Mastercard been collected independently by Bankrate.com. Extra perks such as VIP check-in, priority boarding, concierge service, and free checked bag sweeten the deal. The credit card products Citibank offers consumers in the U.S. often lead the market for reward potential and extra perks offered. Citi Rewards+ . However, the card doesnt earn rewards, so it might not find a preferred place in your wallet long-term. Alternatives to Consider: The Discover it Secured Credit Card and the Capital One Quicksilver Secured Cash Rewards Credit Card both offer great rewards. Earn 2X AAdvantage miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases; EarnRead More. When your wallet talks, the Citi Custom Cash Card listens. By filling out the form, you will have a soft pull on your credit report: this does not impact your credit score. Earn 60,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening. If you dont already have an account, you will need to start by clicking Register for Online Access in order to set up a username and password. Thats a tough combination to beat, if youve got the good credit needed for Citi Double Cash approval. In addition, it is not the financial institutions responsibility to ensure all posts and questions are answered.show more show less. A $0 annual fee further enhances its frugal appeal. The 10 bonus-eligible categories cover common expenses, including select travel, restaurants, grocery stores and live entertainment. The Citi Simplicity Card* is essentially the Citi Diamond Preferred Card with a few key differences: no penalty APR with a higher standard APR. Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card's overall value. After that, your fee will be 5% of each transfer (minimum $5). The cards lack of rewards and $0 annual fee make it a simple secured card, comparable with most others out therethough more recently released secured cards now offer rewards, so the Citi Secured Mastercard* may not be the best option for those shopping for a secured card. A black card is one of the most exclusive credit cards that you can get. If yes, focus on Citi cards with introductory 0 percent APR offers designed to help you temporarily avoid the cost of interest. Below, CNBC Select breaks down the best Citi credit cards in six categories, so you can choose the best card for your needs. Plus, you can continue earning 2X miles on gas station and restaurant purchases. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. The Rewards+ Card also offers no interest for the first 15 months from account opening on purchases and no interest for 15 months on balance transfers from date of first transfer (after, 18.49% - 28.49% variable APR). After that, the variable APR will be 18.49% 28.49%, based on your creditworthiness. Some of these cards include the Citi Double Cash Card 18 month BT offer and the Citi Premier Card. Citi recently madenew changes to the Citi Premier Card, and now cardholders can qualify to receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) once per calendar year on bookings through thankyou.com. With an annual fee of $99, waived for first 12 months, the Citi / AAdvantage Platinum Select World Elite Mastercard earns decent AAdvantage miles on spending, offers a handful of benefits for flying on American Airlines and charges no foreign transaction fees. Credit Score ranges are based on FICO credit scoring. If youre not great at keeping track of bonus categories, the Citi Custom Cash card rewards you automatically in your highest eligible spend category. Still trying to decide if a Citi credit card is right for you? She shares savvy travel tips that shes learned firsthand circling the globe for more than 25 years. Take note, there's an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. Cardholders can redeem points for travel, gift cards, statement credits and more. General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses. * See the online application for details about terms and conditions for these offers. No rotating bonus categories to sign up for as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. This card has no annual fee, though Costco membership is required. Bankrate.com does not include the entire universe of available financial or credit offers. With over two centuries in business, Citibank has roots that run deep. If you prefer to carry around fewer cards, it may be better to pair cards. Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considerd as a basis for repaying a loan. Other Benefits and Drawbacks: Though there are several unlimited 2% flat-rate cash-back cards, few offer a 0% intro APR on balance transfers for 18 months. This card doesnt have many perks, but it will give cardholders the chance to earn pretty solid rewards. 2% cash back: 1% on all eligible purchases and an additional 1% after you pay your credit card bill, 0% for the first 18 months on balance transfers; N/A for purchases, For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies. Have more questions for our credit cards editors? We maintain a firewall between our advertisers and our editorial team. Now, we compare it to nearly everything we expect those with good to excellent credit to qualify for. Who Should Get It: Consider applying for this card if youre a Costco member with excellent credit. Keep in mind that even though your card is likely to be accepted worldwide, some Citi credit cards include a foreign transaction fee of up to 3%. With a Points Back feature, the card returns 10% of ThankYou Points redeemed, such that 1,500 ThankYou Points are returned as points when 15,000 ThankYou Points are redeemed. You instruct Us to do this each time you return to our sites to view product offerings and up to once per month so you can be provided up-to-date results. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Why would a credit card company offer 1% cash back on purchases and 1% cash back when cardholders pay the balances resulting from those purchases, rather than just 2% cash back at either point? J.P. Morgan Reserve Card. After that, your fee will be 5% of each transfer (minimum $5). Rewards: 2 ThankYou Points per dollar at supermarkets and gas stations for the first $6,000 in spending per year and 1 ThankYou Point per dollar on other eligible purchases, plus 5 ThankYou Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel Portal through June 30, 2024, Welcome Bonus: 25,000 bonus points after spending $1,500 in purchases within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. This card has no intro APR offer for purchases, so you wont get a break on interest if you carry a balance on new purchases. You'll also get an intro APR offer on purchases. Citi Simplicity Card: Best feature: 0% introductory APR promotion. And rewards are only paid out once a year, in February. Earn unlimited 1% cash back on all other purchases. If you already bank with Citi, accessing your credit card information will be simple, as you can just sign into the Citi Mobile app you use to access your bank account. 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. We often refer to the Citi Double Cash Card as the gold standard when it comes to flat-rate cash back. Before applying for a credit card from any issuer, consider your spending habits, your current financial situation and what you're interested in getting out of the card. No rotating bonus categories to sign up for as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. Her life motto is See the world, change the world, have fun doing it! and her mission is to inspire others along the journey. But with a non-waivable annual fee of S$535, getting a Citi Prestige . Deferred interest means that theres 0% interest as long as the balance gets paid in full by the end of the promotion. Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs. Our editorial team does not receive direct compensation from our advertisers. The best Citibank credit cards come packed with extra features. Who its for: Someone with another Citi card that earns rewards outside of gas and supermarkets who wants to make the most of their rewards. Probably not. 3X ThankYou Points per $1 on restaurant, supermarket, gas station, hotel and air travel purchases; 1X Points on all other purchases. It has no rewards, but also none of the excessive up-front or annual fees charged by many other secured cards. To earn cash back, pay at least the minimum due on time. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. It can be valuable for anyone planning a large purchase or paying down debt. Youll then have future access to some ofthe best Citi credit cards, or other excellentoptions from different issuers. A true balance transfer card, the Citi Diamond Preferred Card offers a lengthy 0% intro APR for 21 months on eligible balance transfers from date of first transfer and 0% intro APR for 12 months on purchases from date of account opening. Then, as you pay for those purchases, you, 5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle. Information provided on Forbes Advisor is for educational purposes only. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. The card currently touts a lucrative sign-up bonus, earning 60,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening. With 3 points earned per $1 spent on many travel staples and at gas stations, the Citi Premier Card could be a perfect fit for road warriors and frequent travelers. The easiest credit card to get from Citibank is the Citi Secured Mastercard, which is available to people with limited credit. It may also be beneficial to look outside of Citibank to some of theeasiest cards to get from other issuers. The card is arguably the card for the most frequent American Airlines travelers as it provides the most benefits of Citis American Airlines-branded cards. Cardholders who spend at least $20,000 on the card annually and renew their card earn a $125 American Airlines flight discountwhich is more than the annual fee. Bankrates editorial team writes on behalf of YOU the reader. Heres an overview of the main types of cards offered by Citi. Sign-up bonuses: Several Citi cards have decent sign-up bonuses and there are plenty of options with no annual fee. Select independently determines what we cover and recommend. Other Benefits and Drawbacks: In addition to priority boarding, free first checked bag and the other airline-related benefits and rewards outlined above, the CitiBusiness / AAdvantage Platinum Select Mastercard* offers an American Airlines Companion Certificate for domestic main cabin travel after $30,000 in annual spending and card membership renewal. <link rel="stylesheet" href="styles.ad0084cf40b67188.css"> Search. Who its for: Credit builders who dont tend to carry a balance. The card does require Costco membership, so we dont necessarily recommend it for those not regular Costco customers, as otherwise it creates what would effectively be an annual fee with other benefits that could go unused. Your 5-percent bonus cash back is capped to $500 per billing cycle, which may be a low cut off for heavy spenders. The best Citibank credit cards were chosen based on welcome bonuses, fees, rewards and other perks. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Limited options for beginners: Cardholders focused on building credit will have few options with Citi. Whether you want Cash Back, Great Airline Miles, Rewards for Costco Members, or a Low Intro Rate, the choice is all yours. Youll also earn a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024, 3 points per $1 spent at restaurants, supermarkets and gas stations, 3 points per $1 on air travel and hotels, and 1 point per $1 on all other purchases spent. Read more about Select on. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Those looking to consolidate debt and pay it off over time will appreciate the long introductory offer on balance transfers. This cards regular APR is pretty high, too. Citi Diamond Preferred Card: Best feature: 0% intro APR on balance transfers. Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. This is just one scoring method and a credit card issuer may use another method when considering your application. Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. The card's high APR and lack of an intro APR offer make it a poor choice for anyone looking to carry a balance. If youre having trouble learning to manage your credit effectively, this card has consumer-friendly terms that can help. Editorial Note: We earn a commission from partner links on Forbes Advisor. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Skip the searching and find your next bank in minutes with BankMatch. Cardholders earn 2% cash back: 1% on all purchases and an additional 1% after you pay your credit card bill. The categories offered include unique options like home improvement, fitness clubs, live entertainment and a handful of others, which makes this card great for those who want an additional card to earn some cash back in places most wont see it otherwise. It offers a solid cashback rate on all purchases and 0% intro APR on balance transfers, all without an annual fee. While certainly not the longest low intro APR period on this list of cards, its a solid card that can provide an interesting reward-earning structure as well. For instance, if you redeem 50,000 points in a year, you get 5,000 of those points back, which is enough for a $50 gift card. Citi Double Cash Vs. Chase Freedom Unlimited, Earn up to 2% cash back1% when the purchase is made and 1% when payment is made on the account, No cash back capno limit on the amount of cash back that can be earned, Introductory APR period for balance transfers, Lack of benefits seen in other no annual fee cards. Part of its appeal is the mystery behind the card. You can check out other cards that are a better fit. Home insurance doesn't have to be a hassle. Who its for: Anyone who wants to save on interest payments for either purchases or balance transfers with its intro period. Heres how we protect your safety and privacy. Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. Its also the largest credit card issuer in the world, with more than 138 million accounts. An intro balance transfer fee of either 3% of each transfer or a minimum amount of $5 within the first 4 months of account opening applies. The most exclusive credit card is the American Express Centurion Card, also known as the Amex Black Card. Drive with peace of mind when you compare insurance carriers and find the policy thats right for you. for certain targeted offers, including pre-qualified and pre-approved offers (your "CardMatch offers"), as well as display what we estimate your approval odds to be for participating offers (Approval Odds). Citi / AAdvantage Platinum Select World Elite Mastercard, Citi / AAdvantage Executive World Elite Mastercard, Citi / AAdvantage Platinum Select World Elite Mastercard review, Do Not Sell or Share My Personal Information, California Consumer Financial Privacy Notice, 5% cash back in top eligible spending category each billing cycle, up to the first $500 spent and then 1%, Best for travel rewards on everyday purchases. Citi also has partnerships with a number of major retailers, including Best Buy, Home Depot and Staples, to issue store credit cards. Lengthy introductory APR offer on balance transfers, Special event access through Citi Entertainment, High variable APR when introductory period ends. Here are the best Citi credit cards for earning cash back and paying off debtplus one with no late fees CNBC Select analyzed Citi credit cards using an average American's annual spending. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. The specific metrics used vary by category. While this card may have been discontinued elsewhere, it's still going strong in Singapore, rewarding cardholders with travel benefits, gourmet promotions, and various lifestyle offers. Who Should Get It: Consider applying for the Citi Rewards+ Card if you have good credit or better and the cards rewards match up well with your spending habits. Plus, for a limited time, earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024. Annual $6,000 spending cap on 2x points category. With excellent select, in-category cash-back rewards and unique earning categories, the Citi Custom Cash Card offers solid, but limited, cash back for those who want to leverage specific spending. The Citi Custom Cash is a great option for people looking to maximize cash back rewards without having to worry about activating or selecting bonus categories. Who Should Get It: Consider applying for this Citi card if you have fair credit or better and want to save money on office supplies. Plus, earn 1X ThankYou Points on All Other Purchases. Learn More. Some of these cards provide longer intro offers for balance transfers than they do for new purchases. You will be able to use your card at most retail shops, restaurants and service providers that accept major credit cards. Citi offers specific cards to people with little-to-no credit history or credit history in need of repair, but the majority of these cards will more than likely require a healthy credit score and decent credit history. A Costco membership is required to apply. Citi uses several factors to determine your credit limit, including your credit history, credit score and income. The Citi ThankYou points program might not be the most flexible, but Citi credit cards still have a host of cardholder benefits that could be worthwhile for some, like Citi concierge, virtual account numbers and Citi entertainment access. After that, the variable APR will be 18.99% 28.99%, based on your creditworthiness. Theres also no spending cap so your earning potential is unlimited. His areas of expertise include credit card strategy, rewards. Citi also advertises a dedicated concierge line and an annual credit for maintaining a Citigold account and banking relationship. Plus, for a limited time, earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi TravelSM portal through June 30, 2024. What We Dont Like: Its hard to tell exactly how much the round-up feature will be worth. Commissions do not affect our editors' opinions or evaluations. Apply for a credit card with confidence. Small business owners earn on Costco purchases, of course, but bonus categories also include gas, restaurants and travel. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards potential savings. In addition, the Citi Rewards+ Card has a $0 annual fee, an introductory APR of 0% for 15 months, and a nice initial rewards bonus. Alternatives to Consider: The Amazon.com Credit Card and the Walmart Store Card are both worth looking into as well. All purchases rounded up to the nearest 10 rewards points. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels, Earn 3 Points per $1 spent at Restaurants and Supermarkets, Earn 1 Point per $1 spent on all other purchases, 60,000 ThankYou Points are redeemable for $600 in gift cards or travel rewards at thankyou.com, No expiration and no limit to the amount of points you can earn with this card, Cannot have filed for bankruptcy within the past 2 years, Free checked bag for you and up to four companions on domestic American Airlines flights, First checked bag free perk not applicable for international flights, Doesnt have other perks like lounge access or travel protections, Earn 2 AAdvantage miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases, Earn 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases, Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card, First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation, Enjoy preferred boarding on American Airlines flights. The first checked bag is complimentary for the cardholder and up to four companions when traveling on a card-purchased American Airlines flight and cardholders receive preferred boarding and a 25% discount on in-flight purchases with American Airlines. Citi does not charge fees to add employees as authorized users. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. This helps us locate your profile and identify cards that you may qualify for. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Investing Options. With Round Up to the nearest 10 points, a $2 coffee purchase earns 10 ThankYou Points where it would otherwise earn 2 and a $12 meal purchase earns 20 ThankYou Points where it would otherwise earn 12. Receive a reward coupon annually which is redeemable for cash or merchandise at US Costco warehouses, Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year, then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com and 1% cash back on all other purchases, No annual fee with a paid Costco membership, Use the Costco Anywhere Visa card as your Costco membership ID, Rewards can only be cashed out at Costco via an annual certificate, No annual fee with paid Costco membership, Large network of partner airlines via OneWorld Alliance, Doesnt give access to American Airlines Admirals Club airport lounges, Earn 2 miles for every $1 spent on eligible American Airlines purchases, 2 miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations and 1 mile for every $1 spent on all other eligible purchases, Earn one loyalty point for every one eligible mile earned from purchases, $99 annual fee, waived for the first 12 months, Earn 2 miles per dollar on groceries and AA purchases, 2x AAdvantage miles per $1 at grocery stores, including grocery delivery services, 2x AAdvantage miles per $1 on eligible American Airlines purchases and 1x AAdvantage mile per $1 on all other purchases, 25% savings on inflight food and beverage purchases on American Airlines flights when card is used. After that, your fee will be 5% of each transfer (minimum $5). A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies. If you want some of the best credit cards to use for a balance transfer, Citi has options that will work well for you. Read our full Citi Simplicity Card review. We recommend: The Citi Double Cash Card and the Citi Custom Cash Card. This will help them see which card best aligns with their spending patterns. First, you earn 1% unlimited cash back on every purchase you make. The best Citi credit cards can help you earn rewards on every purchase, avoid interest with 0% intro APRs, build credit history, and everything in between. Not all of them are perfect for every individual but the broad range should mean theres a good chance one or more of the cards is right for you. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. 3% fee charged on purchases made outside the U.S. All purchases automatically round up to the nearest 10 points with no cap, Get 10% points back on all of your redemptions for the first 100,000 ThankYou Points you redeem each year, Special financing offer for new purchases and balance transfers. Rewards: 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 in spending each month and 1% cash back on all other purchases, Welcome Bonus: $200 in cash back after spending $1,500 on purchases in the first 6 months of account opening. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. By clicking Agree and See Results you acknowledge receipt of our Privacy Notice, Privacy Policy and agree to our Terms of Use. Rewards: 2 AAdvantage miles per dollar spent on eligible American Airlines purchases, restaurants and gas stations and 1 mile per dollar spent on all other purchases, Welcome Bonus: 50,000 American Airlines AAdvantage bonus miles after spending $2,500 within the first 3 months of account opening, Annual Fee: $99, waived for first 12 months. With nearly two years, you can benefit from more time to pay off transfers compared to cards that have shorter 6-, 12- and 15-month time periods. Your financial information, like annual income and employment status, helps us better understand your credit profile. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. Wallethub doesnt charge for this service. The card does give a 25% discount on inflight food and beverage purchases, but otherwise offers no major additional benefits. For a limited time, earn 5 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel Portal through June 30, 2024. Cardholders earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1%); 3% cash back on restaurants and eligible travel purchases; 2% cash back on all eligible purchases from Costco and Costco.com; and 1% cash back on all other purchases. You also get 3% cash back at restaurants and on travel expenses, 2% back at Costco and Costco.com, and 1% back on everything else. If your FICO Score is between 300 and 579, you should try comparing, Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. Citi does not currently limit the total number of credit cards you can have at a time. Most Citi cards require good-to-excellent credit, meaning that youll have the best probability of getting a Citi credit card once you built up a decent amount of positive credit history. Also, earn unlimited 1% cash back on all other purchases. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. Citi will only issue one Citi Custom Cash Card account per person. Its a good option for people who don't want to guess what category theyll spend the most in or develop a spending strategy in advance. Alternatives to Consider: The Citi Simplicity Card also has great terms, and the Wells Fargo Reflect Card is the best option from other issuers. As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge. What we love: The bonus categories reward major spending categories supermarkets, gas stations, air travel and dining at restaurants at the same rate of 3X points, a rare feature in a rewards credit card. Both Visa and Mastercard benefit fromextensive worldwide acceptance, so youll be able to use them anywhere credit cards are accepted. Why We Like It: The Citi Secured Mastercard is the best Citibank credit card for limited credit because it has a $0 annual fee and should be pretty easy to get, even without much if any credit history. Alternatives to Consider: The Chase Sapphire Preferred Card is a great option for bonus rewards on travel and dining. Citi store cards require at least fair credit (a credit score of 640+) for approval. By agreeing, you are giving your written instruction to Bankrate and our lending partners (together, Us) to obtain a soft pull of your credit report to determine whether you may be eligible show more for certain targeted offers, including pre-qualified and pre-approved offers (your "CardMatch offers"), as well as display what we estimate your approval odds to be for participating offers (Approval Odds). The card charges a 3 percent foreign transaction fee, making this card a less-than-ideal travel companion. You can read more about their methodology here. The Citi lost wallet service ensures that a lost or stolen card will be replaced within 24 hours. 6. There is also a balance transfer fee of 5% of each balance transfer; $5 minimum. Here are our picks for the best credit cards Citibank offers, featuring the essential information youll want to know when deciding on the best card to add to your financial toolbox.Citi is an advertising partner. Best American Airlines Card for Lounge Access. The Citi Rewards+ Card is an intriguing option as an everyday card for small purchases. Those considering applying for a Citi card should also compare benefits with cards outside of the Citi network as cards from one issuer often offer variations on a theme with different benefits and another issuers version may be a better match for your particular spending patterns. While this card has a robust rewards program, you should take note that point redemptions aren't easy. Other Benefits and Drawbacks: The Citi Rewards+ Card offers just-okay rewards earning structures but does offer some unique ways to earn additional rewards. There are two types of points earned with Citi credit cards: For more information, see our Citi ThankYou Points guide. That said, what is best for some consumers might not be right for you. Choose the best home insurance company for you. Bankrate's personal finance experts have evaluated the top Citi cards according to our. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels, Earn 3 Points per $1 spent at Restaurants and Supermarkets, Earn 1 Point per $1 spent on all other purchases. Meaning, that a $3 purchase will earn 10 points. Citi now has the Costco credit card account, which used to be with American Express; what does that mean for the two companies as well as for consumers. It lacks great benefits, so the primary attraction of this card beyond its high potential reward yield is its lack of foreign transaction fees. Figure out funding for your next car or refinance with confidence. WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best Citi credit cards for different applicants as well as derive market-wide takeaways and trends. Please try again later. 3X points per $1 spent at restaurants, supermarkets, gas stations, and on hotels and air travel, 1X points on all other purchases. 'Review' : 'Reviews'}}, . Citi Diamond Preferred also has a $0 annual fee. Plus, earn 1X ThankYou Points on all other purchases, Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. That means Citi Double Cash is much more rewarding than the average cash back credit card and interest-free for a lot longer than most balance transfer credit cards. This card shines for this use, but overall the star ratings may differ when compared to other cards. Other Benefits and Drawbacks: The maximum deposit allowed with the Citi Secured Mastercard* is $2,500 but we never recommend spending that much without other lines of credit opentry to never exceed a 30% credit utilization rate to avoid negative credit score impact. Alternatives: If you were considering the Citi Diamond Preferred card to complete a balance transfer, the. Read our full Citi Double Cash Card review or jump back to offer details. Read our full Citi Diamond Preferred Card review. We recommend: Citi / AAdvantage Platinum Select World Elite Mastercard and the Costco Anywhere Visa Card by Citi. To maximize rewards earnings, spend on AA purchases and groceries to score 2x miles. For example, some cards offer rewards, some offer promotional balance transfer APRs and some offer neither. The card charges no annual fee, earns no rewards and though it has the standard suite of convenience perks Citi offers with many cards like $0 fraud liability, it doesnt offer anything extra. This card benefits people who frequently make small purchases with its "round up" feature that automatically rounds up to the nearest 10 points on every purchase with no cap. 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