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Best Citi Credit Cards

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by Sean Bryant | Updated Mar. 28, 2017
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Overview

No matter if you are a student with very little credit history, a consumer with an established credit portfolio, or a small business owner, Citibank has a card for you. Plus, Citi credit cards come in many different forms. You will find cash back cards, travel reward cards, cards that offer an introductory 0% APR, and even cards that have are meant to solely improve your credit score. In addition to all of this, Citibank credit cards are also available on the Visa, MasterCard, and American Express networks. We have gone through and analyzed all the available Citibank cards, and found these to be the best cards currently available. See More

Best Citi Credit Card for Balance Transfers

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  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.99%-22.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

Annual Fee

$0

Purchase Intro APR

0% APR for 21 Months

Balance Transfer Intro APR

0% APR for 21 Months

Regular APR

12.99% - 22.99% Variable

Best Citi Credit Card for Students

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  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points earned with this card do not expire and there is no limit to the amount of points you can earn.
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

Annual Fee

$0

Purchase Intro APR

0% intro APR for 7 months from date of account opening

Balance Transfer Intro APR

N/A

Regular APR

14.49% - 24.49% (Variable)

Best Citi Credit Card for Poor Credit

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  • 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

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

22.99%

Best Citi Credit Card for Travel

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  • Earn 30,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of account opening
  • Earn 2 miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 mile for every $1 spent on other purchases
  • Earn 10% of your redeemed Aadvantage® miles back
  • Save 25% on inflight purchases on American Airlines flights
  • Fly to select destinations on American Airlines operated flights for up to 7,500 fewer AAdvantage® miles with Reduced Mileage Awards

Annual Fee

$0 for the first year, then $95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

16.24% - 24.24% (Variable)

Best Citi Credit Card for Cash Back

More 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

Annual Fee

$0

Purchase Intro APR

0% APR for 7 Months

Balance Transfer Intro APR

N/A

Regular APR

15.74% variable

Our Methodology

SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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