Citi Credit Cards

The best Citi credit cards come packed with extras. From generous cash-back rewards to lengthy balance transfer offers, there’s something for nearly every type of spender. Our experts picked their favorite credit cards from a number of categories. Here are the best Citibank credit cards of 2019 on our list.

The best Citi credit cards of 2019:

Need more information?

Skip down to read our expert advice on Citi credit cards.

Best for pairing with other Citi credit cards

Citi Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

Citi Rewards+℠ Card

Rewards Rate:
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Earn 1X Points on All Other Purchases.
Welcome Offer:
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Annual Fee:
$0
Purchase Intro APR:
0% intro for 15 months on Purchases
Balance Transfer Intro APR:
0% intro for 15 months on Balance Transfers
Regular APR:
14.99% - 24.99% (Variable)

Card Details

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Terms and Restrictions Apply

Best for long 0% intro APR period on purchases

Citi Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

Citi Simplicity® Card

Rewards Rate:
N/A
Welcome Offer:
N/A
Annual Fee:
$0
Purchase Intro APR:
0% for 12 months on Purchases
Balance Transfer Intro APR:
0% for 21 months on Balance Transfers
Regular APR:
16.24% - 26.24% (Variable)

Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Terms and Restrictions Apply

Best overall cash back card

Citi Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

Citi® Double Cash Card

Rewards Rate:
Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Welcome Offer:
N/A
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% intro for 18 months on Balance Transfers
Regular APR:
15.49% - 25.49% (Variable)

Card Details

  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Terms and Restrictions Apply

Best for students

Citi Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

Citi Rewards+℠ Student Card

Rewards Rate:
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter Earn 1X Points on All Other Purchases.
Welcome Offer:
Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
Annual Fee:
$0
Purchase Intro APR:
0% intro for 7 months on Purchases
Balance Transfer Intro APR:
N/A
Regular APR:
15.99% - 25.99% (Variable)

Card Details

  • The Citi Rewards+℠ Student Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
  • 0% Intro APR on purchases for 7 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 15.99% - 25.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • No annual fee
Terms and Restrictions Apply

Best for building credit

Citi Image

Recommended Credit Score

No Credit History

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

Citi® Secured Mastercard®

Rewards Rate:
N/A
Welcome Offer:
N/A
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
23.99% (Variable)

Card Details

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi's discretion
Terms and Restrictions Apply

Best cash back business card

Citi Image

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

Costco Anywhere Visa® Business Card by Citi

Rewards Rate:
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
16.74% (Variable)

Card Details

  • Discover the only business credit card designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Terms and Restrictions Apply

Best for Costco members

Citi Image

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

Costco Anywhere Visa® Card by Citi

Rewards Rate:
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
16.74% (Variable)

Card Details

  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 16.74%. Citi Flex Plan offers are made available at Citi's discretion.
Terms and Restrictions Apply

Best for business frequent flyers

Citi Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Rewards Rate:
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases
Welcome Offer:
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Annual Fee:
$99, waived for first 12 months
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
17.24% - 25.24% (Variable)

Card Details

  • Designed for businesses
  • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
  • No Foreign Transaction Fees
Terms and Restrictions Apply

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


Author: Barry Bridges | bbridges@bankrate.com


The Bankrate guide to best Citi credit cards

Citi (or Citibank) is a global bank offering everything from mortgages to investment accounts to, of course, credit cards. The bank launched its first credit card in 1967, back when they were called the First National City Bank. Citi is a widely trusted financial institution used by some of the most prominent governments and largest corporations in the world. Thousands of everyday consumers and business owners also turn to Citi for credit cards.

Bankrate offers an informative look at the top Citi credit cards available from our partners, covering everything from student cards to business travel to cash back rewards.

Bankrate’s picks for top Citi credit cards of 2019

Card Name Bankrate Score Best For
Citi Rewards+SM Card 4.6/5 Best for pairing with other Citi credit cards
Citi Simplicity® Card 4.1/5 Best for long intro APR period on purchases
Citi® Double Cash Card 4.3/5 Best overall cash back card
Citi Rewards+SM Student Card 4.6/5 Best for students
Citi® Secured Mastercard® 2.8/5 Best for building credit
Costco Anywhere Visa® Business Card by Citi 3.6/5 Best cash back business card
Costco Anywhere Visa® Card by Citi 4.4/5 Best for Costco shoppers
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® 4.5/5 Best for business frequent flyers

A closer look at the best Citibank credit cards of 2019

Citi Rewards+SM Card

You can earn a significant amount of rewards points with this card’s array of features, but you need to pair the card with the Citi Prestige to get the most bang for your buck. Every time you earn points, they’re rounded up to the nearest 10. This means your daily $4 latte fix earns you 10 points instead of four. However, your points are only considered “basic” ThankYou points, so your redemption options aren’t quite as flexible as with other top-tier Citi cards.

Using this card for smaller, everyday purchases while using other top Citi cards for those larger purchases will help you maximize your earning potential and redemption value.

Read Bankrate’s full Citi Rewards+ Card review.

Citi Simplicity® Card

For paying off a big ticket item over time without incurring interest, this card offers a very competitive deal. The fact that Citi doesn’t charge late fees, penalty APR or an annual fee gives you some added peace of mind.

Whether you’re looking to consolidate debt or have a large purchase planned for the upcoming months, the Citi Simplicity can help you save hundreds in interest. Just make sure that you pay off your balances before the introductory period ends (12 months on purchases and 21 months on balance transfers) or you’ll be stuck with a 16.24% – 26.24% variable APR.

If you have good credit but want to bump your credit score up to qualify for top-tier cards, this card is an excellent way to consolidate and pay down credit card debt. By lowering your credit utilization, you can boost your credit score and take some of the monthly stress off of your budget.

Read Bankrate’s full Citi Simplicity® Card review.

Citi® Double Cash Card

This card is market-leading for its high flat-rate cash back and simple rewards structure. You’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. (To earn cash back, you’ll need to pay at least the minimum due on time.) For anyone looking for great rewards on everyday spending without juggling rotating categories, this could be the card for you.

You can also pair this card with others to maximize your earning potential. If you have a cash back card that offers better rewards in certain categories such as dining or groceries, you can utilize both strategically to get the most value.

Read Bankrate’s full Citi® Double Cash Card review.

Citi Rewards+SM Student Card

Most of the time, student cards are synonymous with lesser rewards and limited redemption options. The Citi Rewards+ Student, on the other hand, exceeds expectations. You’ll have the same earning potential as the standard Rewards+ Card, just with a smaller welcome bonus offer.

This card isn’t a beginner student card — you’ll need a decent credit score to qualify and the card is geared toward earning rewards rather than beginner credit-building.

Read Bankrate’s full Citi Rewards+SM Student Card review.

Citi® Secured Mastercard®

For those with no credit history, finding a card to help build credit can be tough. This card is one of the best options available with no annual fee. With a secured card, you will have to put down a deposit amount to secure your credit limit — but unlike some offers available, this card is light on fees and regularly reports to the credit bureaus, helping you to work on improving your financial health.

The security deposit on this card is a minimum of $200, and the deposit is held in an non-interest accruing account for 18 months. The trade-off is that you’ll receive some travel and auto protection, plus a higher credit limit range than most comparable cards. Additionally, you’ll get to avoid annual and monthly maintenance fees that often accompany secured card options.

Keep in mind that if you’ve declared bankruptcy within the past two years, Citi will automatically decline your application.

Read Bankrate’s full Citi® Secured Mastercard® review.

Costco Anywhere Visa® Business Card by Citi

Don’t make the mistake of misjudging this card as just a co-branded rewards card. The rewards profile for frequent Costco shoppers is great, but this card has a lot more to offer than 2% cash back at Costco. The gas rewards are especially generous, despite an annual limit. It offers one of the highest cash-back rates in this category, with no annual fee with your paid Costco membership, and there are no foreign transaction fees on purchases.

This card is a great option for freelance and contract workers looking to keep business expenses separate while earning rewards on everyday spending. Many business cards focus their earning potential toward travel or high-budget spenders, but this card rewards business owners on more common spending categories.

Read Bankrate’s full Costco Anywhere Visa® Business Card by Citi review.

Costco Anywhere Visa® Card by Citi

This card is a great option for anyone spending heavily with the retailer and on gas expenses. The only drawback is the once-a-year disbursement — if you’re OK with that, this card can be a complementary option for other cash back rewards cards.

Alongside generous rewards at Costco and in other everyday spending categories, you’ll have access to Citi benefits like price protections and travel benefits. There’s no annual fee with your paid Costco membership and no foreign transaction fees on purchases.

Read Bankrate’s full Costco Anywhere Visa® Card by Citi review.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

A business that spends a lot on travel, telecommunications and cable and satellite television could benefit considerably from the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®. If your business plan’s travel component involves American Airlines, the rewards should be even greater.

Although the rewards rate isn’t exceptionally generous, your AAdvantage® miles can really add up if you fly American frequently and make regular purchases in the non-travel categories. Also, the sign-up bonus could be worth a round-trip domestic flight. Travel-related perks that include discounts on in-flight flight Wi-Fi and a free checked bag on domestic American Airlines flights promise savings and convenience.

If you don’t fit the particular profile that would most benefit from this card, you certainly have other options for co-branded airline or general business travel cards. All in all, though, a specific type of travel-oriented business owner could find a lot to like with this card from Citi.

Read Bankrate’s full CitiBusiness / AAdvantage Platinum Select World Mastercard review.


Why choose a Citi credit card?

Aside from being a highly trusted credit card issuer, Citi offers some of the best credit cards on the market, with options that benefit both high spenders and beginner cardholders.

Whether you’re looking for a simple cash back card or a luxury travel card, you can easily find a Citi card to fit your needs. A nice additional perk with both Citi credit and debit cards is Citi® Private Pass®.

What is Citi Private Pass?

Citi Private Pass allows cardholders special access to buy tickets, including presale and VIP tickets, for thousands of events each year. Whether you’re interested in upcoming concerts, sporting events, dining experiences or theater events, Private Pass can help give you an advantage when booking tickets.

Citi’s Private Pass is available for any cardholder with a Citibank credit card displaying a Visa, Mastercard and American Express logo, or any Citibank debit card that has the Mastercard logo. Redeeming is quite straightforward — your Citi card number is verified either at the time of purchase or at the event. To get all the details, read the terms and conditions at citiprivatepass.com.

One of the more notable benefits of Citi Private Pass is how family-friendly the program has become. Most rewards programs focus their presale tickets and entertainment offers toward luxurious experiences and nightlife. Citi breaks the mold a little bit by including offers for families, too.

Is a Citi credit card right for you?

Anyone can apply for a Citi credit card, but most of Citi’s cards are most beneficial for those who use credit cards for maximizing rewards rather than building credit. Cardholders with FICO scores of 730 and over usually have the best chance at qualifying for Citi’s most valuable credit cards.

With good credit, the Citi Double Cash card or Citi Simplicity is within reach. For those with excellent credit (assuming all your other information is in order), you may be able to choose from some of the best cards available.

The Citi Secured card is an option for anyone with no credit history. It’s a great option — in fact, one of the best on the market — if you’re looking to build your credit. Using Citi credit cards responsibly over time can help you build a stronger credit score, helping you take advantage of the best cards Citi has to offer.

How we chose the best credit cards from Citi

Each Citi credit card that appears on this page has received a Bankrate score (out of a possible 5) based on various attributes that are weighted differently depending on what purpose the card serves. For example, a travel card’s score will be influenced more heavily by its travel perks than a cash back card.

Here are a few factors we consider:

  • Annual fee. For the best cards on the market, an annual fee is sometimes unavoidable. We do the math to try and work out when an annual fee makes sense.
  • Rewards value. Be it travel rewards or cash back, you should focus on getting the best return on your spending.
  • APR. Interest, in all its forms, should be an important part of card selection, particularly if you think you may carry a balance from time to time.
  • Extras and perks. The less marketed attributes of a card including things like insurances and warranties are valuable perks, so we include these extras in our analysis.

The bottom line is that the best card for you is the one that best fits your lifestyle. Only you can know your unique circumstances the best, so make sure to consider the pros and cons as well as the Bankrate score.

More information about Citi cards and rewards


Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina. Send your questions about credit cards (and fantasy baseball) to bbridges@bankrate.com.

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.