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Author: Robin Saks Frankel, @robinsaks | Last Updated: September 7, 2018

Deeper editor’s analysis on some of the best Citi credit cards of 2018

Citi Double Cash Card

This card has a simple rewards structure with no categories to track, no cap on cash back and no annual fee.


  • Earn cash back twice: 1 percent on general purchases and 1 percent when you pay your bill on time. Two percent cash-back on everything makes this an industry-leading card for cash back on general purchases.
  • Pay no interest on balance transfers for 18 months.
  • Register your purchases online through the Citi Price Rewind program and the company will search for lower prices on those items and refund you the difference on better deals.

Who should get this card
This card is best for those seeking an affordable cash-back card with generous rewards on all purchases and an easy-to-use rewards structure. There’s no chasing bonus categories, no rotating categories and no annual fee.

This card charges a variable APR of 15.24 to 25.24 percent.

If you typically carry a balance, or often fail to pay on time, this may not be the card for you. There’s also no sign-up bonus, something you’ll find on other competing cards.

Read our full review

Citi Diamond Preferred Card

Although there are other cards with lower standard interest rates, the Citi Diamond Preferred stands out for its lengthy interest-free introductory period for purchases and balance transfers — and its attached perks.


  • The introductory no-interest period on balance transfers is a whopping 21 months — the longest available offer out there.
  • There’s no annual fee and a variable rate APR of 14.74 to 24.74 percent.
  • Perks include Citi’s concierge service, which includes extras like pre-sale access to concerts and other events, and Citi Price Rewind, which searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year.

Who should get this card
This card is the stuff that balance transfer dreams are made of. Pay down your existing debt and get nearly two years to pay it off interest-free.

You’ll have to mind the balance transfer fee, which is $5 or 5 percent of the balance you plan to transfer. And if you plan to carry a balance after the promotional period expires, note that you might be able to find a better interest rate elsewhere.

Read our full review

Citi AAdvantage Platinum Select World Elite Mastercard

This card earns high marks for its outstanding rewards program and generous sign-up bonus. It also offers a number of airport and in-flight perks.


  • Get two mile for every $1 spent on American Airlines purchases, two miles for every $1 spent at gas stations and restaurants, and 1 miles per $1 spent on all other purchases.
  • Earn 50,000 miles when you spend $2,500 within the first three months of opening the account.
  • Get a 10 percent rebate on redeemed miles each year, capped at 10,000 miles.

Who should get this card
If you frequently fly American Airlines, this card is hard to beat for its generous rewards program and perks like priority boarding and free checked bags for you and up to four others in your party. Also, if you use the generous sign-up bonus toward a trip abroad, this card has no foreign transaction fees.
But unless you almost exclusively use American Airlines, this may not be the best card for you as the rewards are not transferable to another airline or program. Note the $99 annual fee, which could cut into the total value of your rewards. The APR is a variable 17.74 percent to 25.74 percent.

Red our full review

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