Best Citi Credit Cards of September 2022


Best feature: 0% intro APR on purchases

Citi Simplicity Card

The Citi Simplicity Card is designed to be easy to use.

With the Citi Simplicity Card, you will get a 0% Intro APR for 12 months on purchases from date of account opening and a 0% Intro APR for 21 months on balance transfers from date of first transfer. This is a longer offer period than many other cards with balance transfer offers. After the introductory APR expires, there is an APR of 16.99% to 26.99% (variable). The card charges a balance transfer fee of 5% of the amount transferred or $5, whichever is greater.

There is no annual fee, no late fee and no penalty rate associated with this card. Benefits include identity theft protection and zero dollar liability on unauthorized charges.

Best for people who:

  • Need to pay down a balance.
  • Don’t want to pay an annual fee, late fee or penalty rate.
  • Are not looking for a rewards program.

Best feature: 0% intro APR on balance transfers

Citi Diamond Preferred Card

The Citi Diamond Preferred Card is a good choice for consumers looking to consolidate and pay off credit card debt. It comes with a 0% introductory APR that lasts 21 months for balance transfers and 12 months for purchases, so you won’t have to pay any interest as long as you pay off your balance before each promotional period ends. After 21 months, the card charges a APR between 15.99% to 25.99% variable.

There is no annual fee, and the balance transfer fee is 5% of the transfer, or at least $5. There is a 3% foreign transaction fee.

The Citi Diamond Preferred Card doesn’t earn rewards, but cardholders do get access to features including Citi Identity Theft Solutions and Citi Entertainment.

Best for people who:

  • Want to consolidate credit card debt.
  • Don’t way to pay an annual fee.
  • Aren’t looking for a rewards credit card.

Best feature: Double points at gas stations

Citi Rewards+ Card

With the Citi Rewards+ Card, you can earn two points per dollar at supermarkets and gas stations on up to $6,000 in spending each year. For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter. The Citi Rewards+ Card also rounds up to the nearest 10 points on all spending.

There is no annual fee, and the Citi Rewards+ Card also comes with a 0% introductory APR that lasts 15 months from account opening for purchases and 15 months from the date of your first transfer for balance transfers. After that, the card charges an APR of 15.74% to 25.74% (variable).

New cardholders can earn 20,000 bonus points for spending at least $1,500 in their first three months with an account.

Best for people who:

  • Spend in the card’s bonus rewards categories.
  • Don’t want to pay an annual fee. 
  • Want a 0% introductory APR.

Best feature: American Airlines rewards

Citi / AAdvantage Executive World Elite Mastercard

The Citi / AAdvantage Executive World Elite Mastercard earns 2 miles per dollar on eligible American Airlines purchases and 1 mile per dollar on all other spending. The card also comes with travel perks such as free checked bags on domestic flights and a statement credit to cover the application fee for Global Entry or TSA PreCheck.

The card charges a hefty $450 annual fee, so be sure the rewards and perks are worthwhile for you. There is no foreign transaction fee.

New cardholders can earn 50,000 bonus miles for spending $5,000 within three months of opening an account. The card charges an APR of 18.24% to 27.24% (variable).

Best for people who:

  • Fly frequently with American Airlines.
  • Don’t mind paying an annual fee.
  • Want to avoid a foreign transaction fee.

Best feature: 0% intro APR on balance transfers

Citi Double Cash Card – 18 month BT offer

With the Citi Double Cash Card – 18 month BT offer you can earn cash back on every eligible purchase. Plus, with a 0% introductory APR on balance transfers and no annual fee, you can save money while you earn rewards. The standard APR is 16.24% to 26.24% (variable) based on your creditworthiness.

The Citi Double Cash Card – 18 month BT offer earns 1% cash back on purchases and another 1% cash back when you pay for your purchases in full. The card also offers benefits including a pass on your first late fee, identity theft coverage and Citi Entertainment, which offers exclusive access to event ticket sales.

Best for people who:

  • Want to earn a good rate on cash back rewards without bonus categories.
  • Don’t want to pay an annual fee.
  • Can pay their balance each month.

Best feature: Simple bonus category redemption

Citi Custom Cash Card

With the Citi Custom Cash Card, you’ll earn 5% cash back on up to $500 spent in a category that can adapt to match your card use each billing cycle. Restaurants, gas stations, grocery stores and home improvement stores are among the eligible categories. You can earn 1% cash back on all other spending.

Cardholders can also take advantage of a 15-month 0% introductory APR. After that, there is an APR of 16.24% to 26.24% (variable). There is no annual fee.

You’ll earn $200 after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. Other card benefits include fraud protection and $0 liability on unauthorized purchases.

Best for people who:

  • Want a simple rewards card.
  • Can earn the sign-up bonus.
  • Don’t want to pay an annual fee.

Best feature: Three points per dollar on travel

Citi Premier Card

Travelers can earn excellent rewards with the Citi Premier Card. This card offers good rewards on air travel, hotels and other bonus spending categories, a good sign-up bonus and benefits including no foreign transaction fees.

You can use the Citi Premier Card to earn three points per dollar spent on air travel, hotels and gas station purchases. The card earns three points on restaurant and supermarket purchases and one point per dollar on all other purchases, and after you spend $4,000 in purchases within the first 3 months of account opening, you’ll earn a 80,000-point sign-up bonus.

There’s no limit to the number of points you can earn and points don’t expire. Each year, cardholders receive one $100 discount on a single hotel stay of $500 or more (excluding taxes and fees) purchased through thankyou.com. The card charges no foreign transaction fees, and Citi Entertainment is available to cardholders.

Best for people who:

  • Travel frequently.
  • Want to redeem rewards for airfare.
  • Can earn enough rewards to offset the annual fee.

Best feature: No annual fee

Citi Secured Mastercard

With the Citi Secured Mastercard, consumers with no credit history can build their scores by using the card responsibly. You’ll need to make a security deposit of between $200 and $2,500 to open your account.

The card does not charge an annual fee. There is a 24.74% (variable) APR for purchases and balance transfers. Cardholders can also access their FICO score for free online.

There is no credit score requirement, so users with no credit history can use this card to help build a stronger score.

Best for people who:

  • Need to build credit.
  • Can make the security deposit.
  • Don’t want to pay an annual fee.

Costco Anywhere Visa Card by Citi

Designed for Costco members, the Costco Anywhere Visa Card by Citi is a good choice for earning rewards on Costco purchases, on eligible gas, including gas at Costco, and EV charging purchases. There’s no annual fee and excellent cardholder benefits. The card has an APR of 17.49% (variable).

With the Costco Anywhere Visa Card by Citi, you can earn 4% cash back on the first $7,000 in eligible gas and EV charging purchases each year (then 1%). The card also earns 3% cash back on dining and eligible travel purchases, as well as 2% cash back on purchases from Costco. All other purchases earn 1% cash back.

You can earn cash back rewards with no annual fee. As a cardholder, you’ll have access to benefits including extended warranty coverage, damage and theft purchase protection, car rental insurance and worldwide travel accident insurance.

Best for people who:

  • Frequently shop with Costco
  • Want to earn rewards for gas and EV charging purchases
  • Don’t want to pay an annual fee

Best feature: Airline rewards

American Airlines AAdvantage MileUp Card

Consumers loyal to American Airlines can earn useful rewards with the American Airlines AAdvantage MileUp Card. The card earns 2 miles per dollar at grocery stores and on eligible spending with American Airlines. All other spending earns 1 mile per dollar.

The card does not charge an annual fee, but it does charge a 3% foreign transaction fee. Its APR is 18.24% to 27.24% (variable), and there is no 0% introductory APR.

New cardholders can earn 10,000 bonus miles and a $50 statement credit for spending $500 within the first three months of opening an account.

Best for people who:

  • Fly with American Airlines.
  • Don’t want to pay an annual fee.
  • Won’t make lots of foreign transactions on the card.

Best feature: Best Buy rewards

My Best Buy Visa Card

The My Best Buy Visa Card earns rewards that cardholders can redeem as coupons to provide discounts on Best Buy spending. The card earns 5% back in rewards on qualifying Best Buy purchases, 3% back on gas station spending, 2% back on dining and groceries, and 1% back on other everyday spending. If you make your first Best Buy purchase within 14 days of opening your account, you can earn 10% back in rewards.

The card does not charge an annual fee. There is a relatively high 25.24% variable APR for purchases not made using one of the card’s reduced rate credit plans. When available, the reduced rate credit plans allow cardholders to pay off a purchase over a certain time period while accruing interest at a lower APR. For example, cardholders may receive an APR between 0% and 11.99% for eligible purchases paid back over 24 months.

Best for people who:

  • Frequently shop at Best Buy.
  • Aren’t looking for flexible rewards redemption.
  • Won’t carry a balance.

Best feature: Premium cardholder benefits

CitiBusiness / AAdvantage Platinum Select Mastercard

With the CitiBusiness / AAdvantage Platinum Select Mastercard, business travelers can earn 2 AAdvantage miles per dollar on eligible American Airlines purchases, cable and satellite providers, gas station expenses, car rentals, and telecommunications merchants. Other spending earns 1 mile per dollar. The card also comes with a set of travel benefits including free first checked bags on domestic American Airlines flights and discounts on in-flight refreshments and WiFi.

The card charges an annual fee of $99, waived for first 12 months, and there is no foreign transaction fee. The APR is 18.24% to 27.24% (variable).

Users who spend at least $4,000 in their first four months with an account can earn 65,000 bonus miles.

Best for people who:

  • Fly with American Airlines.
  • Can earn the sign-up bonus.
  • Don’t want to pay a foreign transaction fee.

There are many options for redeeming Citi ThankYou points. Redemption options include:

  • Travel
  • Gift cards
  • Cash back
  • Merchandise
  • Shop or pay with points
  • Online bill pay
  • Charitable donations

Points earnings vary depending on which Citi card you carry. You can earn up to 10 points per dollar or 4 percent cash back on bonus categories with certain Citi credit cards.

In general, ThankYou points are worth 1 cent. For example, a $25 gift card can be purchased with 2,500 points.

Citi ThankYou points can be transferred to partner loyalty programs. Eligibility and transfer rates vary. These programs include:

  • Asia Miles
  • TrueBlue
  • Flying Blue
  • Shop Your Way
  • Virgin Atlantic Flying Club

Most ThankYou points don’t expire as long as your credit card account is open and in good standing.

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and have not been previously reviewed, approved or endorsed by any other
entities, such as banks, credit card issuers or travel companies. The content
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