Best Citi Credit Cards of 2019

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 of 2019 on our list.

The best Citi credit cards of 2019:

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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 pairing with other Citi credit cards

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Apply Now ON Citi's secure website

Citi Rewards+℠ 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% intro for 12 months on Purchases Purchases intro APR
0% intro for 12 months on Balance Transfers Balance Transfers intro APR
15.74% - 25.74% (Variable) Regular APR
$0 Annual Fee

Bankrate Score

92 out of 100

Card Details

  • Introducing the New 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 12 months. After that, the variable APR will be 15.74% - 25.74%, 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.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Terms and Restrictions Apply

Best for long 0% intro APR period on purchases

989365e0-fe22-11e8-8180-c1350658d338.png Card Image
Apply Now ON Citi's secure website

Citi Simplicity® Card - No Late Fees Ever

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%* 12 months on Purchases* Purchases intro APR
0%* 21 months on Balance Transfers* Balance Transfers intro APR
16.24% - 26.24%* (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 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
  • 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 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
18.24% - 26.24%* (Variable) Regular APR
$99, waived for first 12 months* Annual Fee

Bankrate Score

84 out of 100

Card Details

  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 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

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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% 18 months on Balance Transfers* Balance Transfers intro APR
15.74% - 25.74%* (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 15.74% - 25.74% 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
16.74% - 25.74%* (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

Citi Rewards+℠ Student Card

fc5a2510-15b9-11e9-862b-05a9a238b808.png Card Image
Apply Now ON Citi's secure website
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% intro for 7 months on Purchases Purchases intro APR
N/A Balance Transfers intro APR
16.74% - 26.74% (Variable) Regular APR
$0 Annual Fee

Card Details

  • Introducing the New 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 16.74% - 26.74%, 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.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
  • 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
17.99% - 25.99%* (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 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
24.74%* (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
17.49%* (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
  • No annual fee with your paid Costco membership*
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
17.49%* (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
  • No annual fee with your paid Costco membership*
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: January 14, 2019

Table of contents:

Why you can trust Bankrate

The experts at Bankrate take financial advice seriously. They work hard to provide you with the best guidance that’s thorough and well-researched, on everything from mortgages and home improvement loans to personal loans and certificates of deposit. They take the same disciplined approach to credit cards.

Scoring matrix

Each of these Citibank credit cards has been awarded a score out of 100 based on various attributes that are weighted differently depending on what purpose the card serves. This means a travel card’s score will be affected more heavily by its travel perks than a cash back card. 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 score. 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, we want you to get the biggest return on your spending.
  • APR: Interest, in all its forms, should be an important part of card selection, particularly if you fear you may carry a balance.
  • Extras and Discounts: The less marketed attributes of a card including things like insurances and warranties are valuable perks, so we bring these to the fore in our analysis.

Bankrate’s picks for the best Citibank credit cards of 2019

 

Card Name Bankrate Score Best For
Citi Rewards+SM Card 92/100 Best for pairing with other Citi credit cards
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® 84/100 Best for American Airlines frequent flyers
Citi® Double Cash Card 94/100 Best overall cash back card
Citi Premier℠ Card 95/100 Best sign-up bonus
Citi Simplicity® Card 88/100 Best for long 0% intro APR period on purchases
Citi® / AAdvantage® Executive World Elite™ Mastercard® 84/100 Best for business travelers
Citi® Secured Mastercard® 56/100 Best for building credit
Costco Anywhere Visa® Business Card by Citi 71/100 Best cash back business card
American Airlines AAdvantage MileUp℠ Card Best for American Airlines flyers looking for no annual fee

Recap of 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 (currently not taking new applications) or Citi Premier to get the most bang for your buck. 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.

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

With useful perks to help make flying more enjoyable and decent rewards rates, anyone who frequently flies with American Airlines should consider this card. Better still, you get a great start on collecting miles with a generous bonus offer.

Read Bankrate’s full Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® review.

Citi® Double Cash Card

This card is market leading for its high flat-rate cash back and simple rewards structure. Amazingly, it charges no annual fee and you get cash back. For anyone looking for great rewards on everyday spending, and who doesn’t want to mess with rotating categories, this could be the card for you.

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

Citi Premier℠ Card

For travel expenditures (including gas station spending) and dining out, this card offers above-average rewards. The value is improved with the transfer program offered by Citi, which means your ThankYou Points become a lot more valuable.

Read Bankrate’s full Citi Premier℠ 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.

Read Bankrate’s full Citi Simplicity® Card review.

Citi® / AAdvantage® Executive World Elite™ Mastercard®

For travelers who frequently fly with American Airlines, you can rack up rewards quickly and benefit from useful perks like free checked bags and Admirals Club membership that will make your journeys more enjoyable (and productive). A generous sign-up bonus adds significantly to the appeal of this card.

Read Bankrate’s full Citi® / AAdvantage® Executive World Elite™ Mastercard® 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.

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, yes, for business owners who are frequently shopping at the discount retailer the rewards profile is great, but aside from that this card has a lot to offer. The gas rewards are especially generous, despite an annual limit. Still, it offers one of the highest cash back rates in this category, and for no annual fee.

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 retailers 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.

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


What is Citi?

Citibank is a global bank offering everything from mortgages to investment accounts to credit cards. They launched their 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.

Why choose a Citi credit card?

Aside from being a trusted institution, Citi offers some of the best credit cards on the market, especially for heavy users looking to optimize their expenditures. Most Citi credit cards also come with highly-valued purchase protections, extended warranties and rental car insurance.

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 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 theatre 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.

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 scores of 730 and over have the best chance at qualifying for Citi’s most valuable credit cards.

With good credit, the Citi Double Cash card or Citi Simplicity are within reach, and 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, like the Citi/AAdvantage Executive World Elite Mastercard.

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.

* 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.