Best Citi Credit Cards of 2018

The best Citibank 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 on our list.

The best Citi credit cards of 2018:

  • Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
  • Citi® Double Cash Card
  • Citi Premier℠ Card
  • Citi Simplicity® Card
  • Citi ThankYou® Preferred Card
  • Citi® / AAdvantage® Executive World Elite™ Mastercard®
  • Citi ThankYou® Preferred Card for College Students
  • Citi® Secured Mastercard®
  • Costco Anywhere Visa® Business Card by Citi
  • Costco Anywhere Visa® Card by Citi

Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. 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. 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. Bankrate.com does not include the entire universe of available financial or credit offers.

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.

Best for American Airlines frequent flyers

citi-aadvantage-platinum-041618.png Card Image
Apply Now ON Citi's secure website

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

Recommended Credit Score:
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.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
17.99% - 25.99%* (Variable) Regular APR
$99, waived for first 12 months* Annual Fee

Bankrate Score

84 out of 100

Card Details

  • Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • 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*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
Terms and Restrictions Apply

Best overall cash back card

citi-double-cash-041618.png Card Image
Apply Now ON Citi's secure website

Citi® Double Cash Card

Recommended Credit Score:
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.

300 850
N/A Purchases intro APR
0% for 18 months* Balance Transfers intro APR
15.49% - 25.49%* (Variable) Regular APR
$0* Annual Fee

Bankrate Score

94 out of 100

Card Details

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 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
  • No categories to track, no caps on cash back, no annual fee*
Terms and Restrictions Apply

Best sign-up bonus

748bbf50-d6cf-11e8-a7ff-6f80c2c0bf17.png Card Image
Apply Now ON Citi's secure website

Citi Premier℠ Card

Recommended Credit Score:
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.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
16.49% - 25.49%* (Variable) Regular APR
$95, waived for first 12 months* Annual Fee

Bankrate Score

95 out of 100

Card Details

  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • 50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*
Terms and Restrictions Apply

Best for long 0% intro APR period on purchases

citi-simplicity-card-041618.png Card Image
Apply Now ON Citi's secure website

Citi Simplicity® Card

Recommended Credit Score:
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.

300 850
0%* for 12 months on Purchases* Purchases intro APR
0%* for 21 months on Balance Transfers* Balance Transfers intro APR
15.99% - 25.99%* (Variable) Regular APR
$0* Annual Fee

Bankrate Score

88 out of 100

Card Details

  • The only card with 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 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, 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 balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day — just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Terms and Restrictions Apply

Best no annual fee card for travel and dining

citi-thankyou-preferred-041618.png Card Image
Apply Now ON Citi's secure website

Citi ThankYou® Preferred Card

Recommended Credit Score:
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.

300 850
0% for 15 months on Purchases* Purchases intro APR
0% for 15 months on Balance Transfers* Balance Transfers intro APR
15.49% - 25.49%* (Variable) Regular APR
$0* Annual Fee

Bankrate Score

78 out of 100

Card Details

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% - 25.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Terms and Restrictions Apply

Best for business travelers

citi-aadvantage-executive-world-elite-041618.png Card Image
Apply Now ON Citi's secure website

Citi® / AAdvantage® Executive World Elite™ Mastercard®

Recommended Credit Score:
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.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
17.74% - 25.74%* (Variable) Regular APR
$450 Annual Fee

Bankrate Score

84 out of 100

Card Details

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and access for guests traveling with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation*
Terms and Restrictions Apply

Best student credit card

citi-thankyou-preferred-for-students-041618.png Card Image
Apply Now ON Citi's secure website

Citi ThankYou® Preferred Card for College Students

Recommended Credit Score:
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.

300 850
0% for 7 months on Purchases* Purchases intro APR
N/A Balance Transfers intro APR
16.49% - 26.49%* (Variable) Regular APR
$0* Annual Fee

Bankrate Score

82 out of 100

Card Details

  • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.49% - 26.49% based upon your creditworthiness*
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Terms and Restrictions Apply

Best for building credit

citi-secured-mastercard-032817.png Card Image
Apply Now ON Citi's secure website

Citi® Secured Mastercard®

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.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
24.49%* (Variable) Regular APR
$0 Annual Fee

Bankrate Score

56 out of 100

Card Details

  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere Mastercard® is accepted — worldwide
Terms and Restrictions Apply

Best cash back business card

costco-anywhere-visa-business-by-citi-041618.png Card Image
Apply Now ON Citi's secure website

Costco Anywhere Visa® Business Card by Citi

Recommended Credit Score:
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.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
17.24%* (Variable) Regular APR
$0 Annual Fee

Bankrate Score

71 out of 100

Card Details

  • Exclusively for Costco Members: Go Big with Cash Back Rewards. Receive a reward coupon annually which is redeemable for cash or merchandise at US Costco warehouses
  • 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
Terms and Restrictions Apply

Costco Anywhere Visa® Card by Citi

costco-anywhere-visa-card-by-citi-041618.png Card Image
Apply Now ON Citi's secure website
Recommended Credit Score:
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.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
17.24%* (Variable) Regular APR
$0 Annual Fee

Card Details

  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 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
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: Bankrate Staff | Last Updated: November 1, 2018


* 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.