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Greatest Citi Credit score Playing cards of March 2023



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Our specialists reply readers' bank card questions and write unbiased product evaluations (here is how we assess bank cards). In some circumstances, we obtain a fee from our companions; nevertheless, our opinions are our personal. Phrases apply to gives listed on this web page.


The finest credit score card for you may not be match for others, and a few shoppers are higher off pursuing gives with a particular bank card issuer. Citi tends to work properly for sure sorts of spenders, together with individuals who wish to earn a excessive price of money again and people who just like the redemption choices within the Citi ThankYou Rewards program. Citi is an Insider accomplice.









Citi Citi® Double Cash Card















Rewards



Earn 2% on each buy with limitless 1% money again whenever you purchase, plus an extra 1% as you pay for these purchases.




















Citi Citi® Double Cash Card















Rewards



Earn 2% on each buy with limitless 1% money again whenever you purchase, plus an extra 1% as you pay for these purchases.
















Citi additionally boasts a few of the very finest steadiness switch bank cards with a few of the longest intro APR gives out there at this time, making Citi a well-liked card issuer for debt consolidation

The Greatest Citi Credit score Playing cards

  • Citi Premier® Card: Greatest total
  • Citi® Double Money Card: Greatest for money again
  • Citi Customized Money℠ Card: Greatest for mechanically maximizing rewards
  • Citi® / AAdvantage® Platinum Choose® World Elite Mastercard®: Greatest for airline miles
  • CitiBusiness® / AAdvantage® Platinum Choose® Mastercard®: Greatest small-business card for airline miles
  • Costco Anyplace Visa® Card by Citi: Greatest for Costco buyers
  • Citi Rewards+® Card
    : Greatest for small purchases
  • Citi® Diamond Most popular® Card: Greatest with an introductory 0% APR on purchases and steadiness transfers
  • Citi Simplicity® Card: Greatest for introductory 0% APR and no late charges
  • Citi® Secured Mastercard®
    : Greatest for low credit score scores

In the event you're on the lookout for a brand new bank card and you are a Citi buyer already or wish to grow to be one, it's best to know concerning the high bank cards Citi gives. Listed here are our picks for 2023.

We're centered right here on the rewards and perks that include every card. These playing cards will not be price it when you're paying curiosity or late charges. When utilizing a bank card, it is vital to pay your steadiness in full every month, make funds on time, and solely spend what you'll be able to afford to pay.

Examine the Greatest Citi Credit score Playing cards









Citi Citi Premier® Card














Intro supply



60,000 bonus ThankYou® Factors after you spend $4,000 in purchases throughout the first three months of account opening







Rewards



Earn 3x ThankYou® factors on restaurant, grocery store, gasoline station, air journey, and lodge purchases. Earn 1x ThankYou® factors on all different purchases.




















Citi Citi Premier® Card














Intro supply



60,000 bonus ThankYou® Factors after you spend $4,000 in purchases throughout the first three months of account opening







Rewards



Earn 3x ThankYou® factors on restaurant, grocery store, gasoline station, air journey, and lodge purchases. Earn 1x ThankYou® factors on all different purchases.


















Citi Premier® Card







Particulars





Rewards



Earn 3x ThankYou® factors on restaurant, grocery store, gasoline station, air journey, and lodge purchases. Earn 1x ThankYou® factors on all different purchases.







Intro supply



60,000 bonus ThankYou® Factors after you spend $4,000 in purchases throughout the first three months of account opening







Really helpful Credit score



Good to Wonderful







Common Annual Share Price (APR)



20.49% - 28.49% Variable





Editor's Ranking


4.1/5

Our editor's scores analyze charges, bonuses, rewards, and advantages to focus on the best and most dear bank cards out there.


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Citi Citi® Double Cash Card















Rewards



Earn 2% on each buy with limitless 1% money again whenever you purchase, plus an extra 1% as you pay for these purchases.




















Citi Citi® Double Cash Card















Rewards



Earn 2% on each buy with limitless 1% money again whenever you purchase, plus an extra 1% as you pay for these purchases.


















Citi® Double Money Card







Particulars





Rewards



Earn 2% on each buy with limitless 1% money again whenever you purchase, plus an extra 1% as you pay for these purchases.







Really helpful Credit score



Good to Wonderful


Really helpful credit score rating. Notice that bank card lenders might use many various variations of credit score rating fashions when contemplating your utility.


Present extra







Common Annual Share Price (APR)



18.49% - 28.49% Variable







Intro Annual Share Price (APR)



0% intro APR for 18 months from date of first switch for steadiness transfers made inside 4 months of account opening




Editor's Ranking


3.65/5

Our editor's scores analyze charges, bonuses, rewards, and advantages to focus on the best and most dear bank cards out there.


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Citi Citi Custom Cash℠ Card














Intro supply



$200 money again, fulfilled as 20,000 ThankYou® Factors, after you spend $1,500 on purchases within the first 6 months of account opening







Rewards



Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Earn limitless 1% money again on all different purchases.




















Citi Citi Custom Cash℠ Card














Intro supply



$200 money again, fulfilled as 20,000 ThankYou® Factors, after you spend $1,500 on purchases within the first 6 months of account opening







Rewards



Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Earn limitless 1% money again on all different purchases.


















Citi Customized Money℠ Card







Particulars





Rewards



Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Earn limitless 1% money again on all different purchases.







Intro supply



$200 money again, fulfilled as 20,000 ThankYou® Factors, after you spend $1,500 on purchases within the first 6 months of account opening







Really helpful Credit score



Good to Wonderful







Common Annual Share Price (APR)



18.49% - 28.49% Variable







Intro Annual Share Price (APR)



0% intro APR on steadiness transfers and purchases for 15 months




Editor's Ranking


4/5

Our editor's scores analyze charges, bonuses, rewards, and advantages to focus on the best and most dear bank cards out there.


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






Citi® / AAdvantage® Platinum Choose® World Elite Mastercard®












Intro supply



50,000 American Airways AAdvantage® bonus miles after spending $2,500 in purchases throughout the first 3 months of account opening







Rewards



Earn 2 AAdvantage® miles for each $1 spent at gasoline stations and eating places, and on eligible American Airways purchases. Earn 1x mile for each $1 spent on different purchases.









$99, waived for first 12 months



Annual Payment





















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







Citi® / AAdvantage® Platinum Choose® World Elite Mastercard®












Intro supply



50,000 American Airways AAdvantage® bonus miles after spending $2,500 in purchases throughout the first 3 months of account opening







Rewards



Earn 2 AAdvantage® miles for each $1 spent at gasoline stations and eating places, and on eligible American Airways purchases. Earn 1x mile for each $1 spent on different purchases.









$99, waived for first 12 months



Annual Payment















$99, waived for first 12 months



Annual Payment






On Citi's web site











Citi® / AAdvantage® Platinum Choose® World Elite Mastercard®







Particulars





Rewards



Earn 2 AAdvantage® miles for each $1 spent at gasoline stations and eating places, and on eligible American Airways purchases. Earn 1x mile for each $1 spent on different purchases.







Annual Payment



$99, waived for first 12 months







Intro supply



50,000 American Airways AAdvantage® bonus miles after spending $2,500 in purchases throughout the first 3 months of account opening







Really helpful Credit score



Good to Wonderful







Common Annual Share Price (APR)



20.49% - 29.49% variable





Editor's Ranking


3.95/5

Our editor's scores are based on 3 issues: simplicity, affordability, and worth. Our bank card editor takes these elements under consideration, and comes up with a ranking to finest replicate how the cardboard performs in that standards - relative to different merchandise we have reviewed.


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Citi CitiBusiness® / AAdvantage® Platinum Select® Mastercard®






CitiBusiness® / AAdvantage® Platinum Choose® Mastercard®












Intro supply



65,000 American Airways AAdvantage® bonus miles after spending $4,000 in purchases throughout the first 4 months of account opening







Rewards



Earn 2x miles for each $1 spent on cable and satellite tv for pc suppliers. Earn 2x miles for each $1 spent on eligible American Airways purchases. Earn 2x miles for each $1 spent at gasoline stations. Earn 2x miles for each $1 spent on choose telecommunications retailers. Earn 2x miles for each $1 spent on automobile leases. Earn 1x mile for each $1 spent on different purchases.









$99, waived for first 12 months



Annual Payment





















Citi CitiBusiness® / AAdvantage® Platinum Select® Mastercard®







CitiBusiness® / AAdvantage® Platinum Choose® Mastercard®












Intro supply



65,000 American Airways AAdvantage® bonus miles after spending $4,000 in purchases throughout the first 4 months of account opening







Rewards



Earn 2x miles for each $1 spent on cable and satellite tv for pc suppliers. Earn 2x miles for each $1 spent on eligible American Airways purchases. Earn 2x miles for each $1 spent at gasoline stations. Earn 2x miles for each $1 spent on choose telecommunications retailers. Earn 2x miles for each $1 spent on automobile leases. Earn 1x mile for each $1 spent on different purchases.









$99, waived for first 12 months



Annual Payment















$99, waived for first 12 months



Annual Payment






On Citi's web site











CitiBusiness® / AAdvantage® Platinum Choose® Mastercard®







Particulars





Rewards



Earn 2x miles for each $1 spent on cable and satellite tv for pc suppliers. Earn 2x miles for each $1 spent on eligible American Airways purchases. Earn 2x miles for each $1 spent at gasoline stations. Earn 2x miles for each $1 spent on choose telecommunications retailers. Earn 2x miles for each $1 spent on automobile leases. Earn 1x mile for each $1 spent on different purchases.







Annual Payment



$99, waived for first 12 months







Intro supply



65,000 American Airways AAdvantage® bonus miles after spending $4,000 in purchases throughout the first 4 months of account opening







Really helpful Credit score



Wonderful







Common Annual Share Price (APR)



20.49% - 29.49% Variable





Editor's Ranking


4/5

Our editor's scores are based on 3 issues: simplicity, affordability, and worth. Our bank card editor takes these elements under consideration, and comes up with a ranking to finest replicate how the cardboard performs in that standards - relative to different merchandise we have reviewed.


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Citi Costco Anywhere Visa® Card by Citi






Costco Anyplace Visa® Card by Citi













Rewards



Earn 4% money again on eligible gasoline and EV charging purchases for the primary $7,000 per yr (then 1% thereafter). Earn 3% money again on eating places and eligible journey purchases. Earn 2% money again on all different purchases from Costco and Costco.com. Earn 1% money again on all different purchases.




















Citi Costco Anywhere Visa® Card by Citi







Costco Anyplace Visa® Card by Citi













Rewards



Earn 4% money again on eligible gasoline and EV charging purchases for the primary $7,000 per yr (then 1% thereafter). Earn 3% money again on eating places and eligible journey purchases. Earn 2% money again on all different purchases from Costco and Costco.com. Earn 1% money again on all different purchases.


















Costco Anyplace Visa® Card by Citi







Particulars





Rewards



Earn 4% money again on eligible gasoline and EV charging purchases for the primary $7,000 per yr (then 1% thereafter). Earn 3% money again on eating places and eligible journey purchases. Earn 2% money again on all different purchases from Costco and Costco.com. Earn 1% money again on all different purchases.







Really helpful Credit score



Wonderful







Common Annual Share Price (APR)



19.74% Variable





Editor's Ranking


3/5

Our editor's scores analyze charges, bonuses, rewards, and advantages to focus on the best and most dear bank cards out there.


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Citi Citi Rewards+® Card














Intro supply



20,000 bonus factors after spending $1,500 in purchases in 3 months from account opening







Rewards



Earn 2x ThankYou® factors supermarkets and gasoline stations (for the primary $6,000 per yr after which 1x ThankYou® level). Earn 1x ThankYou® factors on all different purchases.




















Citi Citi Rewards+® Card














Intro supply



20,000 bonus factors after spending $1,500 in purchases in 3 months from account opening







Rewards



Earn 2x ThankYou® factors supermarkets and gasoline stations (for the primary $6,000 per yr after which 1x ThankYou® level). Earn 1x ThankYou® factors on all different purchases.


















Citi Rewards+® Card







Particulars





Rewards



Earn 2x ThankYou® factors supermarkets and gasoline stations (for the primary $6,000 per yr after which 1x ThankYou® level). Earn 1x ThankYou® factors on all different purchases.







Intro supply



20,000 bonus factors after spending $1,500 in purchases in 3 months from account opening







Really helpful Credit score



Good to Wonderful







Common Annual Share Price (APR)



17.99% - 27.99% Variable







Intro Annual Share Price (APR)



0% intro APR on steadiness transfers and purchases for 15 months







Execs & Cons

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Citi Citi® Diamond Preferred® Card






Citi® Diamond Most popular® Card












Intro supply



0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months, then 17.49% - 28.24% variable APR





















Citi Citi® Diamond Preferred® Card







Citi® Diamond Most popular® Card












Intro supply



0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months, then 17.49% - 28.24% variable APR



















Citi® Diamond Most popular® Card







Particulars






Intro supply



0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months, then 17.49% - 28.24% variable APR







Really helpful Credit score



Good to Wonderful







Common Annual Share Price (APR)



17.49% - 28.24% Variable







Intro Annual Share Price (APR)



0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months




Editor's Ranking


2.75/5

Our editor's scores analyze charges, bonuses, rewards, and advantages to focus on the best and most dear bank cards out there.


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Citi Citi Simplicity® Card














Intro supply



0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months, then 18.49% - 29.24% variable APR





















Citi Citi Simplicity® Card














Intro supply



0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months, then 18.49% - 29.24% variable APR



















Citi Simplicity® Card







Particulars






Intro supply



0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months, then 18.49% - 29.24% variable APR







Really helpful Credit score



Good to Wonderful







Common Annual Share Price (APR)



18.49% - 29.24% Variable







Intro Annual Share Price (APR)



0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months




Editor's Ranking


2.75/5

Our editor's scores analyze charges, bonuses, rewards, and advantages to focus on the best and most dear bank cards out there.


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Citi Citi® Secured Mastercard®






Citi® Secured Mastercard®


















Citi Citi® Secured Mastercard®







Citi® Secured Mastercard®

















Citi® Secured Mastercard®







Particulars






Really helpful Credit score



No Credit score to Restricted Historical past







Common Annual Share Price (APR)



26.74% (Variable) APR







Execs & Cons

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The knowledge associated to the Citi® Secured Mastercard® has been collected by Enterprise Insider and has not been reviewed or supplied by the issuer.



Discover the correct Citi bank card for you









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Greatest Citi bank card total










60,000 bonus ThankYou® Factors after you spend $4,000 in purchases throughout the first three months of account opening












Greatest for mechanically maximizing rewards










$200 money again, fulfilled as 20,000 ThankYou® Factors, after you spend $1,500 on purchases within the first 6 months of account opening













50,000 American Airways AAdvantage® bonus miles after spending $2,500 in purchases throughout the first 3 months of account opening










$99, waived for first 12 months











Greatest small-business card for airline miles










65,000 American Airways AAdvantage® bonus miles after spending $4,000 in purchases throughout the first 4 months of account opening










$99, waived for first 12 months












20,000 bonus factors after spending $1,500 in purchases in 3 months from account opening












Greatest with an introductory 0% APR on purchases and steadiness transfers










0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months, then 17.49% - 28.24% variable APR












Greatest for introductory 0% APR and no late charges










0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months, then 18.49% - 29.24% variable APR










Greatest Citi Credit score Card General

Citi Premier card

The Citi Premier® is our high Citi bank card for 2023 as a result of the rewards you earn are so versatile, but you do not have to pay a dear annual charge. With an annual price of simply $95 per yr, this card is providing a bonus of 60,000 bonus ThankYou® Factors after you spend $4,000 in purchases throughout the first three months of account opening.

You additionally earn 3x factors at eating places, gasoline stations, supermarkets, air journey, and motels — which makes the card price contemplating for on a regular basis bills, in addition to for journey down the highway.

The Citi Premier® does not have any international transaction charges, and you should utilize your rewards for present playing cards, assertion credit, journey by way of the Citi portal, and transfers to Citi's airline and lodge companions. It's also possible to store with factors on Amazon.com, BestBuy.com, and at retailers like CVS and Shell gasoline stations. Most redemption choices are for 1 cent per level, however you might get extra worth whenever you switch your rewards to loyalty program companions. 

Citi additionally added Alternative Accommodations as a accomplice — the primary lodge switch accomplice since Hilton left the ThankYou Rewards program in 2017 — and shortly thereafter added Wyndham Rewards as its second lodge program.

Citi Premier card evaluate

Greatest Citi Credit score Card for Money Again

Citi Double Money card

The Citi® Double Money Card permits cardholders to successfully earn 2 factors per greenback (price 2% in money again) on every little thing they spend — 1 level per greenback after they make a purchase order and one other 1 level per greenback after they pay it off. This card does not cost an annual charge, and it isn't at present providing a welcome bonus.

You possibly can redeem Citi ThankYou factors as journey, present playing cards, and transfers to pick out companions. However to entry transfers to Citi's full checklist of airline and lodge companions, you will additionally want a Citi Premier® Card or Citi Status® Card
(not open to functions).

This card additionally has a beneficiant 0% intro APR for 18 months from date of first switch for steadiness transfers made inside 4 months of account opening, adopted by a 18.49% - 28.49% Variable APR. That makes the Citi® Double Money Card choice for debt consolidation, though you solely earn rewards on purchases, and never on balances you switch from different bank cards. 

Citi Double Money Card evaluate

Greatest Citi Credit score Card for Robotically Maximizing Rewards

Citi Customized Money card

The Citi Customized Money℠ Card is a good alternative in case your spending habits have a tendency to vary from month to month. Cardholders earn 5% money again on as much as $500 in purchases within the eligible class they spend probably the most in every billing cycle (then 1%), and 1% on all different purchases.

The qualifying classes embrace on a regular basis bills that ought to enchantment to most people: eating places, gasoline stations, grocery shops, choose journey, choose transit, choose streaming providers, drugstores, house enchancment shops, health golf equipment, and stay leisure. 

There's at present a welcome bonus supply of $200 money again, fulfilled as 20,000 ThankYou® Factors, after you spend $1,500 on purchases within the first 6 months of account opening. Plus, new cardholders even have the chance to utilize a 0% intro APR on steadiness transfers and purchases for 15 months (then a 18.49% - 28.49% Variable APR).  

Though it is marketed as a cash-back card, the Citi Customized Money℠ Card really earns rewards within the type of Citi ThankYou factors, that are price 1 cent apiece for money again, journey booked by way of Citi, present playing cards, merchandise, and extra. And once more, if in case you have the Citi Premier® Card or Citi Status® Card (not out there to new candidates), you'll be able to pool your rewards and switch factors to airline companions.

Citi Customized Money card evaluate

Greatest Citi Credit score Card for Airline Miles

Citi AAdvantage Platinum Choose card

The Citi® / AAdvantage® Platinum Choose® World Elite Mastercard® is a winner for frequent flyers who prefer to fly with American Airways and companions like British Airways, Alaska Airways, and Cathay Pacific. Not solely are you able to earn 50,000 American Airways AAdvantage® bonus miles after spending $2,500 in purchases throughout the first 3 months of account opening, however you will earn 2x miles on eligible American Airways purchases, restaurant and gasoline station spending, and 1 mile per greenback for all different purchases you make.

Cardholder advantages embrace most well-liked boarding, 25% off inflight meals and beverage purchases whenever you pay along with your bank card, and a free checked bag for you and as much as 4 companions on home itineraries whenever you fly American. This card comes with an annual charge of $99, waived for first 12 months. 

Qualifying for elite standing with American Airways AAdvantage is now primarily based on incomes Loyalty Factors. Together with incomes Loyalty Factors from flying and accomplice spending, you'll be able to earn 1 Loyalty Level per greenback spent on co-branded American Airways bank cards, together with the Citi® / AAdvantage® Platinum Choose® World Elite Mastercard®.

Citi AAdvantage Platinum Choose card evaluate

Greatest Small-Enterprise Citi Credit score Card for Airline Miles

CitiBusiness AAdvantage Platinum Choose card

Small-business homeowners who fly American Airways can do very properly with the CitiBusiness® / AAdvantage® Platinum Choose® Mastercard®. It is obtained a hefty welcome bonus supply of 65,000 American Airways AAdvantage® bonus miles after spending $4,000 in purchases throughout the first 4 months of account opening (price round $910 in journey, primarily based on Insider's valuations).

The cardboard comes with money-saving perks for vacationers, together with a free checked bag on home American Airways itineraries (for the cardholder and as much as 4 companions on the identical reservation), most well-liked boarding on AA flights, and a 25% financial savings on inflight meals, drinks, and Wi-Fi whenever you use your card.

It additionally earns bonus miles in nice classes for small companies: 2x miles on American Airways purchases, eligible purchases at telecommunications retailers, cable and satellite tv for pc suppliers, automobile rental retailers, and gasoline stations, and 1 mile per greenback on all different eligible purchases.

Each greenback you spend on the cardboard additionally earns 1 Loyalty Level, which is tremendous helpful when you're angling for American Airways elite standing. Massive spenders can make the most of a home companion certificates after they spend $30,000 on purchases in a calendar yr and renew their card.

There's an annual charge of $99, waived for first 12 months, and no international transaction charges. 

Evaluate: CitiBusiness AAdvantage Platinum Choose American Airways bank card evaluate

Greatest Citi Credit score Card for Costco Customers

Costco Anyplace Visa card

The Costco Anyplace Visa® Card by Citi could possibly be an awesome alternative when you're a Costco member and you want incomes money again good for extra Costco purchases. This card earns 4% again on eligible gasoline and EV charging purchases on as much as $7,000 in spending every year (then 1%), however you will additionally earn 3% again on eating and eligible journey. Along with 1% again on common purchases, you will additionally earn 2% again whenever you store within the retailer at Costco or make purchases on Costco.com.

This card allows you to money in your rewards after your February assertion credit score every year, and there is not any annual charge with a paid Costco membership. You additionally will not pay any international transaction charges.

Costco Anyplace Visa card evaluate 

Greatest Citi Credit score Card for Small Purchases

Citi Rewards+ card

The no-annual-fee Citi Rewards+® Card is an fascinating alternative if you wish to earn versatile Citi ThankYou factors and like its distinctive incomes construction. Cardholders earn 2x factors at supermarkets and gasoline stations (on as much as $6,000 per yr in spending, then 1x), and 1 level per greenback on every little thing else.

The twist? Citi will spherical up the variety of factors you earn for every buy to the closest 10 factors. Which means whether or not you purchase a $1 donut or a $6 latte, you will earn 10 factors; or when you purchase $21 in groceries, you will earn 42 factors (2x factors at supermarkets) which will get rounded as much as 50 factors. Due to this characteristic, it is an awesome card to make use of when you make quite a lot of small purchases.

New cardholders can at present earn 20,000 bonus factors after spending $1,500 in purchases in 3 months from account opening. As well as, there is a 0% intro APR on steadiness transfers and purchases for 15 months, adopted by a 17.99% - 27.99% Variable APR, which may prevent cash on curiosity if in case you have massive bills developing you wish to repay over an extended time period.

Citi Rewards Plus card evaluate 

Greatest Citi Credit score Card with an Intro 0% APR on Purchases and Stability Transfers

Citi Diamond Most popular card

The Citi® Diamond Most popular® Card gives an introductory 0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months (then a 17.49% - 28.24% Variable) — one of many longest of any card in the marketplace proper now (steadiness transfers have to be accomplished inside 4 months of account opening).

There isn't any annual charge, however you will pay a 5% steadiness switch charge (minimal $5). Whereas the cardboard does not earn rewards, it gives a superb alternative to repay debt with none curiosity. Throughout this time, each cent you pay in your invoice will go immediately towards the principal of your steadiness, which is able to expedite the method of paying down your debt. 

Citi Diamond Most popular bank card evaluate

Greatest Citi Credit score Card for No Late Charges

Citi Simplicity card

If you wish to consolidate debt and do not wish to have to fret about further charges or penalty charges, the Citi Simplicity® Card is a good alternative. It gives a 0% intro APR on steadiness transfers for 21 months (transfers have to be accomplished inside 4 months of account opening) and on purchases for 12 months (then a 18.49% - 29.24% Variable APR). There's an introductory steadiness switch charge of $5 or 3% of the quantity of the switch, whichever is larger, for steadiness transfers accomplished inside 4 months of account opening.

You will not get charged late charges or pay a penalty price, and there is not any annual charge to fret about both. Nevertheless, you will not earn rewards in your spending — so if debt consolidation is not your precedence, there are higher rewards bank cards to contemplate as an alternative.

Citi Simplicity card evaluate 

Greatest Citi Credit score Card for Constructing Credit score

Citi Secured card

In the event you're new to credit score or engaged on enhancing your credit score, the Citi® Secured Mastercard® may help you construct your credit score historical past with accountable use. The cardboard does not supply a welcome bonus or earn rewards, however it could possibly be an awesome stepping stone for many who wish to qualify for higher rewards playing cards down the highway.

To be accredited for the Citi® Secured Mastercard®, Citi will evaluate your earnings and debt, however it's potential to qualify with restricted historical past or no credit score in any respect. Citi stories your card exercise to all three credit score bureaus, so by utilizing the cardboard responsibly and paying your payments on time, your credit score rating may enhance.

As a result of it is a secured card, you will have to supply an preliminary safety deposit of $200 to $2,500, and the quantity of your deposit turns into your credit score restrict. In the event you shut the cardboard sooner or later (or after a interval displaying accountable use), you'll get your deposit again.

Different Citi Credit score Playing cards to Contemplate

Citi has another nice bank cards that missed the lower for our checklist, however relying in your wants and spending habits, they could possibly be an awesome alternative for you.

  • Citi® / AAdvantage® Govt World Elite Mastercard®
    : That is the premium American Airways bank card, with a $450 annual charge and membership to the airline's Admirals Membership airport lounge program. In the event you fly American on a regular basis, this could possibly be price it — particularly as a result of buying an Admirals Membership membership can price $550 or extra, so it is cheaper to get the cardboard.
  • American Airways AAdvantage MileUp℠ Mastercard
    : On the opposite finish of the spectrum, there's the AAdvantage MileUp card with no annual charge. If you wish to earn American Airways miles and Loyalty Factors however you do not fly regularly sufficient to warrant an annual charge, it is a good choice.
  • Costco Anyplace Visa® Enterprise Card by Citi
    : In the event you're a small-business proprietor, the enterprise model of Citi's Costco card is price contemplating.  

Methodology: How We Selected the Greatest Citi Credit score Playing cards

We evaluated Citi bank cards which are at present out there to new candidates and regarded a number of elements:

  • Simplicity — Does the cardboard have straightforward redemption choices and an easy rewards program? Are there any hoops to leap by way of?
  • Incomes potential — How a lot money again, factors, or miles are you able to earn with the cardboard, and do the bonus classes line up with typical spending habits?
  • Annual charge — No-annual-fee playing cards are best, but when the cardboard prices an annual charge, does it supply perks that make it worthwhile?
  • Choices for various kinds of shoppers — We included playing cards that enchantment to every kind of customers, from merchandise with a 0% APR supply to journey factors and airline bank cards.

Citi Credit score Card Steadily Requested Questions (FAQ)






Earlier than you apply for a Citi bank card, it will possibly assist to grasp the financial institution's utility guidelines. Relying on the cardboard, you may not be eligible when you've earned a welcome bonus, or closed a selected card or one throughout the identical "rewards household" throughout the previous 24 to 48 months.


The 24-month timeframe applies to Citi ThankYou Rewards playing cards just like the Citi Premier®, whereas the 48-month language applies to American Airways bank cards just like the Citi® / AAdvantage® Platinum Choose® World Elite Mastercard®.


With this in thoughts, you will wish to ensure you know whenever you final closed a Citi bank card earlier than you apply. In the event you enroll too early, you will not obtain the bonus on these playing cards — even when you're accredited and also you meet the minimal spending requirement. 










Virtually all main Citibank bank cards, together with the Citi Premier® and Citi® Double Money Card, are Credit cards, with a couple of exceptions. For instance, the Costco Anyplace Visa® Card by Citi, Costco Anyplace Visa® Enterprise Card by Citi, and My Greatest Purchase® Visa® Card
are Visa playing cards.